13th week of 2013 patent applcation highlights part 61 |
Patent application number | Title | Published |
20130080249 | Pay Per Insert System - Method of searching and inserting sales campaigns records into a consumer diary associated with a consumer. The steps include a computer searching a repository for active sales campaign records satisfying search criteria received from a consumer through a browser executing on a device; the computer displaying a list of sales campaign records which satisfies the search criteria; the computer receiving a click indication from the consumer using the browser executing on the device, selecting a sales campaign record from the list; the computer inserting the sales campaign record into the consumer diary; and the computer recording an identification of the consumer from which the click indication originated, a time, and the sales campaign record selected. If the sales campaign record inserted into the consumer diary is not eligible for free inserts into the consumer diary, the computer deducting an amount from a merchant budget coupled to the sales campaign record. | 2013-03-28 |
20130080250 | GROUP TARGETING SYSTEM AND METHOD FOR INTERNET SERVICE OR ADVERTISEMENT - A group targeting system may include an Internet protocol (IP) extraction unit to extract a group IP using a number of accesses per unit time with respect to an IP, and a characteristic determination unit to determine characteristics of a group that uses the group IP through the group IP. The system includes also a targeting unit to provide a targeted service or a targeted advertisement to the group according to the characteristics of the group. | 2013-03-28 |
20130080251 | PRODUCT REGISTRATION AND TRACKING SYSTEM - A server for registration of products may include a processor and computer storage. The processor may be configured to receive, via a network, a communication from a product application executed on a computing device, the communication including a product identification (ID) associated with a product and an indication of registration of the product by a user of the product application. The processor may further be configured to register the product at least by storing, in the computer storage, the product ID and a relationship between the product and an identification of the user of the product application. The processor may further be configured to send a subsequent communication to the product application on the computing device based on the registration of the product. | 2013-03-28 |
20130080252 | Personal Directory Services With Directed Communication - Included are systems and methods for directing data. At least one embodiment of a method includes receiving a listing for a data provider, the listing including a plurality of criteria related to the data provider and receiving an indication to add at least a portion of the listing to a personal directory. Other embodiments include adding at least a portion of the listing to the personal directory and receiving an indication from the data provider to send data to the personal directory. | 2013-03-28 |
20130080253 | ERROR-SPECIFIC ADVERTISEMENT DISPLAY IN ELECTRONIC DEVICE - Systems, methods and computer program products for providing an error-specific advertisement at a client computer. According to one embodiment, a method, implemented in a computer system, of providing an error-specific advertisement at a client computer is provided. The method may include determining that an error has occurred, identifying an advertisement for a product or a service relating to resolution of the error and/or generating an error message. The error message may include the advertisement and information regarding the error. | 2013-03-28 |
20130080254 | Electric Vehicle Charging Station with Connectivity to Mobile Devices to Provide Local Information - A solar canopy is provided where the solar canopy includes at least one photovoltaic cell to provide power. The power is used as a renewable power source for a station that comprises at least one wireless enabled processor. The wireless enabled processor detects and establishes a communication link with a mobile, wireless enabled, processor in a transmission range. Data is transmitted from the processor to the mobile wireless enabled device over the communication link where the data relates to information associated with local establishments, such as, for example, stores, restaurants, governmental agencies, or the like. The solar canopy also may be provided with the ability to couple to a battery, which may be a vehicle battery such as an electric car or electric scooter. The solar canopy would provide electrical energy either directly to the battery or through a power conditioner and, optionally, a storage facility. | 2013-03-28 |
20130080255 | STEP DETECTION AND STEP LENGTH ESTIMATION - Step detection and step length estimation techniques include detecting salient points in sensor data of one or more sensors. A step frequency is estimated based on a time interval between the detected salient points. A step length of the step may then be computed based on a nonlinear combination of the estimated step frequency and a function of the sensor data, and/or a step model. Alternatively, the step length of the step may be computed based on a combination of a nonlinear function of the estimated step frequency and a (linear or nonlinear) function of the sensor data, and/or a step model. | 2013-03-28 |
20130080256 | TELEPRESENCE SYSTEM FOR PROVIDING INFORMATION TO A USER THROUGH AN AGENT BASED ON THE LOCATION OF THE AGENT - Described is a telepresence system for providing information to a user through an agent based on the location of the agent, which is remote to a location of the user. The telepresence system is in signal communication with the Internet and a wireless communication network. | 2013-03-28 |
20130080257 | SYSTEMS AND METHODS FOR PROVIDING ACTIVITY AND PARTICIPATION INCENTIVES - An on-line computer activity is provided to users who generate points through participation. Promotional and incentive offers are displayed simultaneously with the activity to encourage participating users to select and enjoy the offers. Accumulated points may be applied to activate displayed offers to thereby allow participating users to be eligible for offers as sufficient points are accrued. Users are thereby filtered based on interest and willingness to participate. | 2013-03-28 |
20130080258 | SYSTEMS AND METHODS FOR PROVIDING CUSTOMER SUPPORT - Systems and methods are disclosed for providing sales or customer support using a telephone having a camera to capture at least a partial image of a product or service; wherein the at least partial image is used to select a database updated by one or more knowledgeable persons on the product or service. | 2013-03-28 |
20130080259 | SYSTEMS AND METHODS FOR TARGETING AD IMPRESSIONS - The present disclosure includes a system, method, and article of manufacture for targeting ad impressions. A list of customer records may be transmitted to a service provider system that identifies a matched customer and installs a cookie on a web client associated with the matched customer. The system may further receive a campaign request from a merchant and transmit the campaign request to the service provider system which may add a flag to the cookie based on the campaign request as well as instruct a media buyer system to bid on an ad impression for the matched customer based on the flag. The system may further receive an expenditure associated with the matched customer who received the ad impression and compare the expenditure to an expenditure associated with a customer who did not receive targeted ad impression but fits parameters associated with the campaign request. | 2013-03-28 |
20130080260 | Targeted Digital Media Content - Method and system is provided for targeted digital media content delivery. The method includes: receiving activation of the targeting service by a consumer; determining a first value of a human emotion metric corresponding to the mood of a consumer at a first time before or while consuming digital media content; determining a second value of that human metric at a second time while consuming the digital media content. The method also includes: comparing the first value of human emotion metric with the second value in order to determine a change in emotion of the consumer; and targeting the media content in accordance with the change in emotion of the consumer. | 2013-03-28 |
20130080261 | COMMUNICATION SYSTEM WITH COMMERCIAL TRANSACTION OVERLAY WINDOW AND RELATED METHODS - A communication system may include a server, and a computing device communicating with the server and including a display, and a processor cooperating with the display. The processor may be for receiving commercial transaction content from the server and presenting the commercial transaction content on the display, detecting a first trigger event causing a removal of the commercial transaction content from the display and presenting new content from the server on the display, and presenting the new content and an overlay window on the display, the overlay window including the commercial transaction content. | 2013-03-28 |
20130080262 | SCHEDULING AND DELIVERING AD MEETINGS - A system and method for presentation of advertising content at a communication device are disclosed herein. A notification is provided corresponding to an advertisement event for presentation of at least one advertisement at the communication device. An indication is received associated with presentation of the advertisement at a scheduled time. And checking whether the indication is a permitted action on the advertisement event, wherein a network service is continued to be enabled for the communication device based on the indication being the permitted action. | 2013-03-28 |
20130080263 | PER-VIEW CHARGING FOR VIDEO ADVERTISEMENTS - Methods, systems, and apparatus, including computer programs encoded on a computer-readable storage medium, including a method for charging advertisers for advertisements. The method comprises providing a video advertisement to a user in a content page where the video advertisement includes a control for selecting an associated video for playback. The method further comprises receiving, from the user, a selection of the control. The method further comprises determining when the user is presented with the video. The method further comprises charging an advertiser associated with the video advertisement based on the determining as opposed to a time when the selection occurs. | 2013-03-28 |
20130080264 | METHODS AND SYSTEMS FOR BIDDING AND ACQUIRING ADVERTISEMENT IMPRESSIONS - A cost-per-second (CPS) based technology for Internet advertising is introduced. In one embodiment, the systems and methods described herein improve efficiency and efficacy of Internet based advertisements. Efficiency is improved by making advertisements relevant to the user; decreasing loss or waste in advertisement space and opportunity for the publisher; and displaying advertisements only for an appropriate duration and being charged according to actual duration for the advertiser. In embodiments, the cost for a certain branding effect can be measured and used with higher accuracy. In embodiments where multiple advertisements are shown simultaneously or at various timings, the technology introduced here provides unique bidding models to allow an advertiser to bid for advertising space, of an advertisement display. The bidding models incorporate bidding based on CPS, a function of CPS and cost-per-click, effective CPS, etc. Conversion models for comparing advertising schema using traditional and newly introduced models are also disclosed. | 2013-03-28 |
20130080265 | AUCTION MODULES IN PRIVATE ONLINE ADVERTISING SYSTEMS - An auction module and one or more private bidding modules operate within a client system to select information items for presentation to users. Upon receiving content with space or opportunities for presenting information items to users, the auction module initiates an auction between the private bidding modules. Each private bidding module may use a user profile, information item attributes, and content attributes to select one or more previously stored information items for possible presentation to the user. The private bidding modules submit bids to the auction module for the selected information items. The auction module determines a winning bid and may provide the corresponding information item for presentation within the content. Users' privacy is protected because the auction module and private bidding modules operate autonomously in the client system in conducting auctions, selecting information items for possible presentation, and submitting bids, so that outside entities never access private user information. | 2013-03-28 |
20130080266 | SYSTEM AND METHOD FOR ESTABLISHING A DYNAMIC META-KNOWLEDGE NETWORK - The present disclosure relates to a system and method for establishing a dynamic meta-knowledge network. More particularly, it relates to a computer implemented system and method for charting, mapping, linking, annotating, evaluating, following, broadcasting and publishing scientific, technical, medical and scholarly information, both current and historical. In an embodiment, the present system and method may be embodied in an internet application composed of a database containing scientific publication records, scientific meta-knowledge data, and user profiles. Scientific meta-knowledge stored in the database includes knowledge contexts as well as descriptive and quantitative annotations. Author names and entities within each knowledge context category and annotation category are linked to the appropriate publications. A publication webpage is generated for each publication record, and this is configured to aggregate and present stored data and links that are relevant (and specific) to each publication. | 2013-03-28 |
20130080267 | SINGLE-URL CONTENT DELIVERY - Systems and methods for providing media with a data network using a single Uniform Resource Locator (URL) are disclosed. These systems and methods may be part of a larger media servicing network that can be used to, among other things, process uploaded media content, provide it for streaming, and collect metric information regarding the streaming. The disclosed systems and methods provide for receiving a URL and providing an index file based, at least in part, on a client identity and requested media file associated with the URL. Embodiments further provide for the use of an advertisement server that can specify advertisement(s) to be shown during the playback of the media file. With every index file created, the advertisement server can update and/or change the advertisement(s) to be shown. | 2013-03-28 |
20130080268 | MULTI-PLATFORM MEDIA SYNDICATION CUSTOMIZATION - Systems and methods for enabling syndication of a media file across multiple environments, or platforms, by interpreting and downscribing script language in which to implement business rules. These systems and methods may be part of a larger media servicing network that can be used to, among other things, process uploaded media content, provide it for streaming, and collect metric information regarding the streaming. The disclosed systems and methods can utilize different software development kits (SDKs) to interpret script and provide platform-specific interpreted script such that business rules provided in the script are dynamically implemented for various device types during runtime. | 2013-03-28 |
20130080269 | ORDER TAKING SYSTEM & METHOD WITH LOCAL AND/OR REMOTE MONITORING - An order taking system and method for an establishment enabling a customer to place an order for an item from the establishment. Order placing equipment is located near the establishment being capable of receiving the order for the item from the customer. A first voice communication link is established between local order placing equipment and a remote facility. A second voice communication link is established between the order placing equipment and the local order receiving facility. The order taking system is operable in a first mode operatively coupled via the first voice communication link between the order placing equipment and the remote facility and in a second mode operatively coupled via the second communication link between the order placing equipment to the local order taking facility. | 2013-03-28 |
20130080270 | Transaction device and processing system - According to some embodiments, a transaction device for performing a transaction between a customer and a merchant comprises an account selection engine and a communication link. The account selection engine operable to receive information identifying at least one characteristic of a proposed transaction, identify a plurality of accounts associated with the customer, and select a first account from among the plurality of accounts based on the at least one characteristic. The communication link is operable to transmit identification of the first account to a point of sale interface of a transaction device, the point of sale interface operable to transmit a transaction request to a point of sale receiver associated with the merchant, the transaction request comprising an account number associated with the first account. | 2013-03-28 |
20130080271 | Transaction device and processing system - According to some embodiments, a transaction processing system for evaluating transactions between a customer and a merchant comprises a transaction tracker, an account selection engine, and a performance module. The transaction tracker is operable to identify a transaction executed by a customer using a transaction device, the transaction device being operable to execute a transaction with a point of sale receiver associated with the merchant by providing an account number for a first account of the plurality of accounts. The account selection engine is operable to receive information identifying at least one characteristic of the transaction and select a recommended account based on the at least one characteristic. The performance module is operable to compare the first account with the recommended account to determine whether the customer would have received a financial benefit by executing the transaction using the recommended account instead of the first account. | 2013-03-28 |
20130080272 | Transaction device and processing system - According to some embodiments, a transaction device for performing a transaction between a customer and a merchant comprises a transaction module and a point of sale interface. The transaction module is operable to receive, from the customer, a selection of a first account from among a plurality of accounts, wherein the selection of the first account is received from the customer when the customer is located at a facility associated with the merchant. The transaction module also obtains an account number associated with the first account, each account of the plurality of accounts being associated with an account number. The point of sale interface is operable to transmit a transaction request to a point of sale receiver associated with the merchant, the transaction request comprising the account number associated with the first account. | 2013-03-28 |
20130080273 | Systems and Methods for Facilitating Communication Between a Point of Sale Device and a Consumer Device - Embodiments of the disclosure can include systems and methods for facilitating communication between a point of sale device and a consumer device. In one embodiment, a computer-implemented method for communicating with a consumer device at a point of sale (POS) can be provided. The method can include establishing, by a merchant POS device, communication with the consumer device at the point of sale; collecting, by the merchant POS device, transaction-related information from a payment application associated with the consumer device; determining, by the merchant POS device, that the collected transaction-related information does not include both payment-related information and value added services (VAS) information associated with one or more VAS; and collecting, by the merchant POS device based at least in part upon the determination, second transaction-related information from a second payment application associated with the consumer device. | 2013-03-28 |
20130080274 | DELIVERY OF INFORMATION SERVICES TO PERSONAL DEVICES - A transaction processing system for sending user information data to a personal device, and an associated method are provided. The system comprises: a personal device, such as a balance display card; an interface device, such as a card reader for transmitting data to and from the card; a communications network connecting to the interface device; an issuer processor connected to the communications network; and a trusted network processor (TNP) processor connected to the communications network, interposed between the interface device and the issuer processor. The TNP processor is arranged to receive a transaction request message from a card user and to transmit a response message back to the personal device, the response message typically being a transaction authorization together with information for display on the card. The TNP processor is arranged to identify, dependent on properties of the transaction request message, whether the associated response message will require data to be sent to the user information device, and if so identified, to: route the transaction request message to the issuer processor using a standard message; receive the required data from the issuer processor using another standard message; match the received required data to the original request; generate an appropriate response message and script containing the required data; and transmit the response message back to the personal device thereby making the required information known to the user. | 2013-03-28 |
20130080275 | Transaction device and processing system - According to some embodiments, a transaction device for performing a transaction between a customer and a merchant comprises a transaction module and a point of sale interface. The transaction module is operable to identify a first account and obtain an obfuscated account number, the obfuscated account number being a temporary-use number associated with a permanent account number of the first account. The point of sale interface is operable to transmit a transaction request to a point of sale receiver associated with the merchant, the transaction request comprising the obfuscated account number. | 2013-03-28 |
20130080276 | SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS PROVIDING ELECTRONIC COMMUNICATION DURING TRANSACTIONS - An electronic device includes one or more processors configured to execute the instructions to: during a first communication session, sending first information regarding a transaction to a user device that is participating in the first transaction, interrupting the first communication session, pausing for a time to allow the user device to process the first information and to generate second information in furtherance of the transaction, establishing a second communication session with the user device, receiving the second information from the user device during the second communication session, and further processing the transaction using the second information. | 2013-03-28 |
20130080277 | SYSTEM, DEVICE, METHOD, AND MEDIUM FOR PROCESSING SALES AND NON-MONETARY TRANSFERS - A system is described that processes transactions as sales and non-monetary transfers. Processing occurs in a cycle where at a single prompt, a transaction is identified as a sale or a non-monetary transfer. A good that is the subject of the transaction is also identified. The good, and either a sales price or cost price, depending on whether the transaction is a sale or a non-monetary transfer, respectively, is displayed. A record of the transaction, including whether the transaction is a sale or a non-monetary transfer and the sales price or cost price, respectively, is created and stored. An inventory count record is adjusted to reflect an adjustment to inventory based on the occurrence of the transaction. The system that processes transactions as sales and non-monetary transfers may include multiple devices in a server/client architecture or may include a single device. A corresponding method and storage medium are also described. | 2013-03-28 |
20130080278 | SELF CHECKOUT KIOSK AND RETAIL SECURITY SYSTEM - A self-checkout kiosk enables a patron to purchase product displayed in a vending area and carrying a Radio Frequency Identification (RFID) tag. The customer exits the vending area through a security portal. The kiosk, a bill acceptor, and a computer monitor, either adjacent the portal or separated there from, enables the patron to complete a purchase transaction prior to exiting the vending area through the portal. The portal includes RFID reading antennas for detecting product being transferred through the portal. A security system responds to transfer of product through the portal without a patron completing a purchase transaction using the self-checkout station. The security system itself is also usable in conventional retail environments when an attendant is present. | 2013-03-28 |
20130080279 | SELF CHECKOUT KIOSK AND RETAIL SECURITY SYSTEM - A self-checkout kiosk enables a patron to purchase or allocate to an account a product displayed in a vending area and carrying a Radio Frequency Identification (RFID) tag. The patron exits the vending area through a security portal. The kiosk, a bill acceptor, a computer monitor and/or a mobile device enables the patron to complete a purchase or allocate transaction prior to exiting the vending area through the portal. The portal includes RFID reading antennas for marking products stolen when transferred through the portal without a transaction. Alternatively, a smart shelf keeps track of products on the smart shelf and keeps a checkout tally of removed products. If the patron does not complete a purchase or allocate transaction, or returns the product to the smart shelf within a user-defined set of time, the smart shelf will mark the product as stolen. A security system responds to products marked as stolen. | 2013-03-28 |
20130080280 | ORDER PROVISION SYSTEM USING CUSTOMER PROXIMITY - A method for providing an order includes receiving an identifier for a customer order, which is to be provided at a merchant location, and a customer mobile device identifier through a network at a tracking device. The identifier for the customer order is associated with the customer mobile device identifier. A location of a customer mobile device that is associated with the customer mobile device identifier is determined. A distance between the customer mobile device and the merchant location is determined. The identifier for the customer order along with arrival information for the customer that is based on the distance between the location of the customer mobile device and the merchant location is then provided for display. A merchant at the merchant location may then make determinations about how to provide the customer order based on the customer arrival information. | 2013-03-28 |
20130080281 | Method and apparatus for enabling real-time bi-directional transactions on a network - The present invention provides a method and apparatus for providing real-time, two-way transactional capabilities on the Web. Specifically, one embodiment of the present invention discloses a method for enabling object routing, the method comprising the steps of creating a virtual information store containing information entries and attributes associating each of the information entries and the attributes with an object identity, and assigning a unique network address to each of the object identities. A method is also disclosed for enabling service management of the value-added network service, to perform OAM&P functions on the services network. | 2013-03-28 |
20130080282 | SYSTEMS AND METHODS FOR SEARCHABLE TIME-BASED OFFERS - A multiple criteria buying and selling system and method is provided. A seller initially establishes a deal structure for a product, which provides seller defined selling criteria information relating to the purchasing of the product, such as volume per unit price, quality, delivery time and warranty information. A buyer will be able to review a list of deals if the seller's selling criteria matches a buyer defined buying criteria. The deal structure is preferably set up so as to provide buyers with both price and non-price criteria information that the buyer's would consider important in a purchase of the type of product being offered by the seller. The deal structure is electronically made available to potential buyers of the product. For example, the deal structure may be displayed on an Internet site. | 2013-03-28 |
20130080283 | METHOD AND APPARATUS FOR PROVIDING STATUS OF INVENTORY - A stateless e-commerce status indication system is provided. The system includes software code executable on at least one host website. The software code communicates with a remote processing server to obtain status information relating to status of an item for sale. The software then communicates at least a portion of the status information to a user of the host website. | 2013-03-28 |
20130080284 | SYSTEMS AND METHODS OF OFFERING A COLLECTION FOR SALE - A system and method of offering a collection for sale is disclosed. A collection input module may receive a description of a collection and description of items in the collection from a device of a seller. A collection sale module may offer the collection for sale by publishing a description of a sale of the collection as a whole according to a first offering type. An item sale module may offer the items in the collection for sale by publishing descriptions of the respective items in the collection concurrently with the offer for sale of the collection as a whole according to a second offering type. A comparison module may, upon conclusion of an offering period, compare a sum of bids for the respective items to a bid for the collection as a whole and to determine whether the collection is sold as a whole based on the comparison. | 2013-03-28 |
20130080285 | REUSING THIN PLASTIC PELLETS MADE FROM RECYCLED PLASTIC WASTE AS DESIGN ELEMENT AND FILLER - Methods and apparatuses for designing a decorative arrangement using thin plastic pellets made from recycled plastic waste are provided. Embodiments of the present invention reuse plastic pellets as a filler for articles of manufacture or as a decorative filler. | 2013-03-28 |
20130080286 | Corrugated Fiberboard Constructions - Among other things, a piece of furniture is formed from three separate precut pieces of flat triple wall cardboard. A first one of the pieces has a bottom edge to rest on a floor with the first piece rising vertically from the bottom edge and has at least one slot at an upper edge of the first piece. A second one of the pieces has a bottom edge to rest on the floor with the second piece rising from the bottom edge and having at least one slot at an upper edge of the second piece. A third one of the pieces has a crease across the piece and at least two slots along at least one edge that is parallel to the fold. The piece of furniture is formed by mating the one slot in the first piece with one of the slots of the third piece, folding the third piece of cardboard at the crease, and mating the one slot in the second piece with another one of the slots of the third piece, with the third piece folded along the crease. | 2013-03-28 |
20130080287 | VIRTUAL DOLL BUILDER - The systems and methods of the present solution include a streamlined and simplified website by which users can create their dolls. A simple multi-page process guides the client through, with lots of fun moments and a very basic check-out system. In some embodiments, a dress-up portion of the creation process and/or activity/game may allow visitors to explore and see what their dolls look like with various clothes and accessories, and provides an element of fun and excitement around what they have created, and adds value to the site that does not detract or distract from the main goal of converting to purchase | 2013-03-28 |
20130080288 | SYSTEM AND METHOD FOR DIRECTING A CUSTOMER TO ADDITIONAL PURCHASING OPPORTUNITIES - A dynamic merchandising system creates for each of a plurality of products in a plurality of purchase orders a list of products purchased together. This information is then used to create ordered lists reflecting relationships between various product attributes, e.g., the relationships between different brand names purchased together, different product categories purchased together, different catalog pages of products purchased together, etc. From these ordered relationship lists information may be selected and presented to the customer for the purpose of directing the customer to additional purchasing opportunities. | 2013-03-28 |
20130080289 | RETAIL SHOPPING - Apparatus and methods of improving retail shopping are described. In some examples, product-identifying information associated with a user identifier is received from a remote network node. Respective product identifiers are determined based on the received product identifying information. A personal shopping database of shopping records respectively including the determined product identifiers is maintained in association with the user identifier. Information relating to one or more of the shopping records in the personal shopping database is ascertained. The ascertained information is transmitted to the remote network device. In addition, handheld devices, demagnetizing stations, and labels for improving retail shopping are described. | 2013-03-28 |
20130080290 | VIRTUAL SALESPERSON SYSTEM AND METHOD - A virtual salesperson system and method for tablet computers such as Apple's iPad can be used by the customer (as opposed to most applications which are for the dealer, or on a central kiosk) to provide the customer a tour of a showroom and each vehicle, highlighting key features and other content at the discretion of the OEM, such as videos tours conducted by their spokesperson. In at least one embodiment, the customer can also search inventory, potentially at this dealer and other ‘friendly’ dealerships with whom this dealer has a trading relationship. Other sales tools such as build and price, payment estimation, etc are available as well. | 2013-03-28 |
20130080291 | SYSTEM AND METHOD FOR COLLECTING, ORGANIZING AND PRESENTING VEHICLE HISTORY INFORMATION - A system for collecting, organizing and presenting vehicle history information comprises for each vehicle gathering images, audio data and video data relating to the vehicle or the vehicle history events and presenting the gathered data for the vehicle to the user in response to the user request for vehicle history information relating to the vehicle. | 2013-03-28 |
20130080292 | Pre-Qualifying Sellers During The Matching Phase of an Electronic Commerce Transaction - A system providing seller pre-qualification during the matching phase of an electronic commerce transaction includes a directory structure comprising multiple hierarchically organized product classes, each product class categorizing multiple products and defining one or more attributes of the products categorized in the product class. The system also includes one or more pointers for each product class, each pointer identifying a seller database in which product data enabling a product transaction is stored for products categorized in the product class. The system further includes a search interface configured to communicate a search query for product data only to one or more seller databases associated with sellers having seller attribute values matching the specified seller attribute criteria, these seller databases being identified by the one or more pointers associated with the selected product class. | 2013-03-28 |
20130080293 | MANUFACTURING SUPPLY CHAIN MANAGEMENT - Systems, methods, computer readable media, and devices for managing a manufacturing supply chain to ensure compliance with industry-specific and federal standards from the time the material is supplied by a vender to the time a product is provided to a customer. In some embodiments, a system for managing a supply chain includes a variety of databases (e.g., a customer database, a vendor database, a risk management database, a validation database, etc.). The databases store information associated with material vendors, customers, risk assessments, control parameters, and validation or qualification information related to the use of machines and manufacturing processes. This information is used to process a purchase order and ensure that a customer receives a corresponding quote fulfilling the order and including materials that are in compliance with the customer's own manufacturing and materials standards, as well as any relevant federal and industry-specific standards. | 2013-03-28 |
20130080294 | APPARATUS AND METHOD FOR SELLING GOODS ON PERSONALIZED GIFT SITE - A method for selling goods on a personalized gift site is disclosed. The method includes receiving information about at least one product selected as a gift for a service subscriber that has subscribed to an online sales service from a product list included in a personalized gift site created for the service subscriber from a terminal of a buyer by a transceiver unit, transmitting a payment request signal for the product to the terminal of the buyer through the transceiver unit by a processor unit, processing payment for the product based on payment information by the processor unit, upon receipt of the payment information from the terminal of the buyer at the transceiver unit, and generating an e-voucher including an authentication code of the selected product and transmitting the e-voucher to the terminal of the service subscriber through the transceiver unit by the processor unit. | 2013-03-28 |
20130080295 | Oral Health Care Implement and System with Proximity Sensor - An oral health care implement and system are provided for use during oral health care activities. The oral health care implement has a proximity sensor, most often in the embodiment of a capacitive sensor. The proximity sensor provides usage time and instance measurements in a plurality of proposed formats. The oral health care system has an oral health care implement, a first data transfer medium, and any combination of: a second data transfer medium, a network storage device, and a third data transfer medium. The system provides means for collecting usage measurements and transmitting data into a readable, usable form for the user via an oral health care implement. | 2013-03-28 |
20130080296 | Greenebank - The invention Greenebank is a specific process that relates to a. system for cross-integrating data from patents #20110038703 FILL-A-BOX, WINROWS (patent pending) and STAT-MEDICAMENT-DISPOSAL™ to create an aggregated record to provide cap and trade credits of a address/location to encourage recycling. Allowing for the address/location to access Greenebank database through a data portal device via the internet to view cap and trade credits, to trade cap and trade credits or to sell cap and trade credits. | 2013-03-28 |
20130080297 | METHOD AND SYSTEM FOR TRANSFORMING SALES DATA INTO AN ELECTRONIC SALES TRACKING DISPLAY - A method and system for creating a real-time automated display that transforms sales data, such as sales numbers, accounting information and so forth, into an electronic format that is displayed as an electronic display on one or more video monitors. The video monitors may be located at different locations, such as on a sales floor or in a break room of an auto dealership. The electronic display may be used in businesses having commission based sales forces to track monthly sales goals and sales numbers for sales representatives and as a motivational tool. | 2013-03-28 |
20130080298 | SYSTEM AND METHOD FOR PROCESSING A FINANCIAL ACCOUNT - According to some embodiments, an inventory report file may be received. The inventory report file may, for example, have records representing outstanding transactions associated with a wealth management record keeping system, and each record in the inventory report file may be associated with a transaction code. Information in a data dictionary may then be accessed, wherein the data dictionary maps transaction codes to accounting categories. A convertor tool may then automatically translate each transaction code in the inventory report file into an appropriate accounting category to facilitate reconciliation of a general ledger account balance. | 2013-03-28 |
20130080299 | ALLOCATION MANAGER - A method of using rules to execute periodic allocations of funds in a hierarchal accounting structure may include receiving an allocation rule, comprising a source account, a rule for determining a first amount, a parent account, and an allocation basis; accessing a multidimensional data cube comprising a hierarchal arrangement and aggregated balances for each level of the hierarchal arrangement; generating an allocation scenario by allocating the first amount to the aggregated balances for the one or more child accounts according to the allocation rule; generating one or more accounting journal entries corresponding to the allocation scenario; posting the one or more accounting journal entries to a general ledger associated with a relational database; and updating, using the relational database, the multidimensional data cube to reflect the allocation scenario. | 2013-03-28 |
20130080300 | TRANSFER FORMULAS - A method of using a formula to execute periodic transfers in a hierarchal accounting structure includes receiving a transfer formula that may comprise a source account, a target account, an offset account, an account characteristic, and a formula for determining a first amount of the source account based on the account characteristic. The method may also include accessing a multidimensional data cube with a hierarchal arrangement and aggregated balances for each level. The method may additionally include generating a transfer scenario by transferring the first amount to the aggregated balance for the target account according to the transfer formula, and generating one or more accounting journal entries corresponding to the transfer scenario. The method may further include posting the one or more accounting journal entries to a general ledger associated with a relational database; and updating the multidimensional data cube to reflect the transfer scenario. | 2013-03-28 |
20130080301 | ONE-STEP POSTING FOR APPROVAL-BASED LEDGER TRANSACTIONS - Various arrangements for posting a journal entry to a ledger are presented. The journal entry that comprises financial information related to a credit or debit from an account may be received. A request to post the journal entry to the ledger may be received. The journal entry may be determined to be subject to an approval process at least based on the ledger. At least one entity that is required to approve the journal entry as part of the approval process may be identified. An approval from the at least one entity may be received. After receiving approval, the journal entry may be posted to the ledger such that the ledger indicates the credit or debit of the journal entry. Posting of the journal entry to the ledger may require no input from the user following receiving the request to post the journal entry to the ledger. | 2013-03-28 |
20130080302 | METHOD AND SYSTEM FOR ORGANIZING TAX INFORMATION AND PROVIDING TAX ADVICE - A method includes providing to a user a set of computer-executable instructions that, when executed by a user's electronic device, generate a user interface displayable on a display device coupled to the user's electronic device, presenting to the user via the user interface a plurality of solicitations for a set of personal information describing characteristics of the user, receiving via the user interface the personal information set, and, based on the personal information set, generating to the user interface a checklist of tax return preparation information to be compiled by the user. | 2013-03-28 |
20130080303 | Customer assistance system - An apparatus may include a network interface configured to receive data from and communicate data to a remote electronic device and a processor coupled to the network interface. The processor may be configured to display to the user interface an electronic query regarding whether the customer is willing to pay at least a portion of the past-due amount, receive via the user interface and the network interface a response to the query and, in response to a customer indication that the customer is unwilling to pay at least a portion of the past-due amount, and determine, based on known information regarding the customer, whether the customer is eligible for a payment program for an account with a past-due amount. | 2013-03-28 |
20130080304 | Customer assistance system - In accordance with embodiments of the present disclosure, an apparatus may include a network interface configured receive data from and communicate data to a remote electronic device and a processor coupled to the network interface. The processor may be configured to receive, via a user interface of the remote electronic device and the network interface, credentials for identifying a customer; and determine, based on known information regarding the customer available at the time of receipt of the credentials, whether the customer is eligible to apply for a payment program an account with a past-due amount. | 2013-03-28 |
20130080305 | SYSTEM AND METHOD FOR INTERFACING TO MULTIPLE POINT OF SALE SYSTEMS - A system for interfacing a plurality of dealer computer systems located at independent automotive dealerships with a plurality of remotely located independent and financial and product provider computer systems operated by a plurality of independent provider systems. The system may incorporate a dealer system integration (DSI) interface system that interfaces the dealer computer systems to a provider network, where the provider network is in turn in communication with each of the product provider computer systems. The DSI interface may coordinate and assist with one or more of forms preparation, obtaining rates for specific products available from the various provider systems, and electronic booking of contracts, as well as other important operations or transactions between the dealer network and the dealer systems. | 2013-03-28 |
20130080306 | Apparatus and Method for Operating a Pool of Single Family Homes as a Master Limited Partnership - A computer includes a processor and a memory. The memory stores capital data characterizing capital raised for the purchase of a pool of single family homes. Operating data characterizes rental fees collected from renting a sub-set of the single family homes and equity gains realized from selling another sub-set of the single family homes. A master limited partnership module with executable instructions executed by the processor designates master limited partnership income based upon the capital data, the operating data and terms of a pool master limited partnership for a pool of single family homes. | 2013-03-28 |
20130080307 | MULTIFACTORIAL OPTIMIZATION SYSTEM AND METHOD - A method for providing unequal allocation of rights among agents while operating according to fair principles, comprising assigning a hierarchal rank to each agent; providing a synthetic economic value to a first set of agents at the a high level of the hierarchy; allocating portions of the synthetic economic value by the first set of agents to a second set of agents at respectively different hierarchal rank than the first set of agents; and conducting an auction amongst agents using the synthetic economic value as the currency. A method for allocation among agents, comprising assigning a wealth generation function for generating future wealth to each of a plurality of agents, communicating subjective market information between agents, and transferring wealth generated by the secure wealth generation function between agents in consideration of a market transaction. The method may further comprise the step of transferring at least a portion of the wealth generation function between agents. | 2013-03-28 |
20130080308 | Dynamic Leaning Tools - Certain embodiments provide an “increase on re-quote” tool. According to the techniques of this tool, when the quantity available in a lean leg increases after the quantity of a quoting order has previously been decreased, the quantity for the quoting order is not increased until the quoting order is to be re-quoted at another price level. Certain embodiments provide a “quote inside market only and reload” tool. According to the techniques of this tool, a quoting order only leans on the inside market and, when the leaned on quantity decreases, the quoting quantity is reduced as appropriate. The quoting quantity does not increase, even if the available quantity in a lean leg increases. Instead, when the quoting order is filled, the strategy order is reloaded by placing a new quoting order for the remaining desired quantity, again leaning on only the quantity available at the inside market. | 2013-03-28 |
20130080309 | SYSTEMS AND METHODS FOR PROVIDING A DYNAMIC ACCESS PAYMENT IN ASSOCIATION WITH A SECURITY - The disclosure describes systems and methods of utilizing an OTC trading system to convey and manage access fee and access rebate information. Specifically, the disclosure provides methods for providing an access payment in association with a security for display on a graphical user interface. The access payment is calculated using an access payment multiplier and quote price. The access payment multipliers can be applied either the Broker Dealer Level or the Quote Level. A Quote Level access payment multiplier is applied to a specific security wherein an access payment multiplier at the Broker Dealer Level is applied as a global default. Once an access payment for a security is calculated, the access payment is analyzed to determine whether it is in within the defined regulatory parameters. An access payment that is in within the parameters is provided for display while an access payment that is not is rejected. | 2013-03-28 |
20130080310 | Returns-Timing for Multiple Market Factor Risk Models - Until recently, risk models have been built using low frequency data, such as weekly or monthly data. This approach has resulted in a necessary compromise between model stability for which one needs a long history of data, and model responsiveness, for which, the shorter the history, the better. Stability plus responsiveness can be achieved if one uses daily data, which allows for a large number of observations to be used in model estimation without using long out-of-date data. Daily data have other problems, however, as the differing closing times of markets worldwide may induce spurious relationships across model factors. In particular, correlations between markets may appear lower than they truly are due to a market lag To address such issues, a stable, daily data-based factor risk model is described which takes account of the differing market closing times and corrects the model factor correlations and specific returns accordingly. | 2013-03-28 |
20130080311 | SYSTEMS AND METHODS FOR SECURITIZING A COMMODITY - A method for creating trust shares in a physical commodity, the trust shares being tradable over an electronic communications network, includes receiving a creation order comprising a request to create the trust shares, confirming delivery into a trust account of an amount of physical commodity associated with the trust shares being requested, and releasing the requested trust shares based upon the amount of physical commodity delivered into the account. A method for redeeming trust shares associated with a physical commodity, the trust shares being tradable over an electronic communications network, includes receiving a redemption order comprising a request to redeem an amount of trust shares associated with an amount of the physical commodity held in a trust account, receiving the amount of the trust shares, and releasing from the trust account the amount of the physical commodity associated with the amount of the trust shares received. | 2013-03-28 |
20130080312 | MARKET TRADE SUPPORTING APPARATUS AND METHOD OF THE SAME - A market trade supporting method and a market trade supporting apparatus that are able to determine the appropriate price of stop order. The sell order price of stop order for loss cut is set based on the lowest price in the period of temporary fall which is until it rises to exceed the level of prior declines after the market price temporary falls when it is on uptrend. The buy order price of stop order for loss cut is set based on the highest price (ceiling price) in the period of temporary rise which is until it calls to exceed the level of prior rises after the market price temporary rises when it is on downtrend. | 2013-03-28 |
20130080313 | ADKINS RESIDENTIAL HOME VALUATION ANALYZER (RHVA) - Systems and methods generally disclosed in order to value real estate by constructing a comprehensive list of constant factor multiple ratios that express a relationship that should exist between household incomes and home prices, based on prevailing mortgage interest rates for a fixed rate loan, and the percentage of pre-tax household income that a real estate investor believes should be spent to cover the costs associated with a mortgage loan. | 2013-03-28 |
20130080314 | Apparatus and Methods for an Application Process and Data Analysis - One aspect of the invention relates to a method of simplifying an application process. The method includes a series of steps that can be performed in any particular order. The steps include dividing the application process into a plurality of sub-processes, arranging a portion of the plurality of sub-processes in response to a scheme, collecting user profile data in responses to a plurality of queries, the queries selectively presented to the user in response to a branching logical hierarchy, generating a report in response to the profile data; and targeting information to a desired demographic of users in response to user profile data correlations. | 2013-03-28 |
20130080315 | SYSTEM AND METHOD FOR GENERATING A FINANCE ATTRIBUTE FROM TRADELINE DATA - Embodiments of a system and method are described for generating a finance attribute. In one embodiment, the systems and methods retrieve raw tradeline data from a plurality of credit bureaus, retrieve industry code data related to each of the plurality of credit bureaus, determine one or more tradeline leveling characteristics that meet at least one pre-determined threshold, and generate a finance attribute using the selected leveling characteristics. | 2013-03-28 |
20130080316 | SYSTEM AND METHOD OF EXPEDITED CREDIT AND LOAN PROCESSING - A system and method of expedited credit approval and lending for an applicant initially qualifies the applicant using an input device to obtain predetermined applicant identification information and transmits the applicant identification information to the credit and loan processor computer which verifies the applicant identification without pulling credit. If verified, applicant answers predetermined prescreen question to initially qualify the applicant and the applicant's answer is compared to a predetermined lender criteria for the prescreen question to determine whether to continue with the loan application if the applicant's answer meets the predetermined lender criteria or end the loan application if the predetermined lender criteria is not met, before pulling credit. The applicant is notified of the decision. The credit and loan processor software program continues to qualify the applicant using stated debt to income ratio for a selected loan type and if qualified, then processes full credit application. | 2013-03-28 |
20130080317 | Managing a universal payment account - To facilitate management of a universal payment account, it is determined whether a transaction occurs. Transaction information is received from a payment systems module if the transaction occurs, wherein the transaction information comprises a universal payment identifier associated with a universal payment account. A processor determines at least one payment rule based at least in part on the universal payment identifier, and the processor determines a financial account associated with the universal payment account based upon the at least one payment rule. The plurality of financial accounts are associated with the universal payment account and the determined financial account is used to process the transaction. The determined financial account is accessed to facilitate processing of the transaction. | 2013-03-28 |
20130080318 | SYSTEM AND METHOD FOR PROVIDING DISPUTE RESOLUTION FOR ELECTRONIC PAYMENT TRANSACTIONS - Described herein is partner-based method and device for resolving inquiries or disputes concerning a transaction between the customer and a merchant that is affiliated with a partner platform. For example, the method may involve receiving, at the partner platform, an inquiry/dispute event notification. The method may involve obtaining data points about the transaction and locating the transaction based on the data points. The method may involve refunding the transaction or canceling future or recurring charges associated with the transaction. | 2013-03-28 |
20130080319 | SYSTEMS AND METHODS FOR EMBEDDED VIRTUAL SHOPPING CARTS - Systems and methods for providing embedded payment functionality, such as a virtual shopping cart. In an embodiment, configuration data is received. The configuration data may comprise product data and up-sell data. A uniform resource locator (URL) that is associated with the configuration data is generated, and Hypertext Markup Language (HTML) code comprising the URL is generated. The HTML code is capable of being inserted or embedded within a HTML document. In addition, a plurality of user interfaces may be dynamically generated based on the configuration data. The plurality of user interfaces comprise a payment interface comprising inputs for payment information, and one or more up-sell interfaces comprising inputs for selecting one or more up-sell offers. | 2013-03-28 |
20130080320 | Customer assistance system - In accordance with embodiments of the present disclosure, an apparatus may include a network interface configured to receive data from and communicate data to a remote electronic device and a processor coupled to the network interface. The processor may be configured to receive, via a user interface at the remote electronic device and the network interface, credentials for identifying a customer, and to display to the user interface a notification that the customer owes a past-due amount on at least one loan account. The processor may also be configured to display to the user interface a plurality of options regarding the account. The processor may further be configured to receive via the user interface and the network interface, a selected option from the plurality of options. | 2013-03-28 |
20130080321 | Method for Recipient Orientated Financial Services - A method allowing a first person to provide a “virtual” gift to a second party is disclosed, referred to as a “credit gifting” system, wherein the first person accesses an application allowing predetermined aspects of the gift, such as the retailer, store, product type etc to predetermined whilst adding personal messages etc. The second person receives a gift credit towards a purchase redeemable at the defined retailer or store for any wares/services or only those identified by first person. In another embodiment the second person is able to select the retailer or store to redeem from or if unable to redeem themselves allocate a proxy. Accordingly the method overcomes drawbacks of current “captive” gift cards and pre-paid traditional gift cards whilst also offering enhanced registry services, advertising, retailer demographics etc by leveraging the association of a personal electronic device with the recipient of the gift credit. | 2013-03-28 |
20130080322 | Smart Electronic Wallet or Smart E-wallet - The electronic wallet comprises a card duplicator, an electronic wallet or e-wallet, and an e-card. The card duplicator and the electronic wallet or e-wallet comprises a personalized authentication security card. Each electronic wallet or e-wallet has only one e-card. Single users are only required to have the electronic wallet or e-wallet. Business and family plans are required to have both the card duplicator and the electronic wallet or e-wallet. The card duplicator and the electronic wallet or e-wallet store credit card and personal data into the system. The e-card works as an interface device for the consumers. The e-card functions like normal credit card however the e-card is equipped with superior security system compared to a normal credit card. | 2013-03-28 |
20130080323 | RESTRICTED FUNDING SOURCE - An account with restricted use is maintained by a payment provider, where funds from the account can only be used when specific user-determined conditions are met. The user may specify one or more payees, an amount or maximum payment, a time or date range for payment, or other restrictions. | 2013-03-28 |
20130080324 | EASY CREATION OF MOBILE PAYMENT CODE - A user is presented with a first display with parties to a payment transaction and a second display on the same screen, where the user can drag and drop the parties on the first screen to the second screen to create a desired payment flow. A service provider, such as a payment provider, builds code based on the payment flow and zips it into a downloadable file. The user can then easily implement the zipped code into a mobile app that will allow a customer to make a purchase through the app using the payment provider. The zipped code uses a library of payment options offered by the payment provider and allows the user to input custom variables into these options. Code is automatically generated for the user to use based on the user input. | 2013-03-28 |
20130080325 | DEPOSITING AND WITHDRAWING FUNDS - A user without Internet access or a bank account can fund an online payment provider account by depositing cash or voucher from a third party into a machine or with a person, and entering an account identifier, such as an email or phone number. The user can receive cash through the online payment provider by logging into an account through a machine, entering the amount of cash requested, and receiving a voucher. The user can then insert the voucher into a cash dispensing machine or present the voucher to a person to redeem the voucher for cash or redeem the voucher for store merchandise. | 2013-03-28 |
20130080326 | HOUSEHOLD PAYMENT MANAGEMENT AND TRACKING SYSTEM - An efficient digital tracking and payment system for members of a household, such as minors and guardians. The system allows for minors and guardians to enter into agreements for services (e.g., chores) and rewards through a single portal digital application that tracks services and notify parties of completion thereof. The system also provides a mechanism for funding of payment from one party to the other on mobile devices and computers over the internet. The system also allows guardians so predetermine the allocation of payments to multiple accounts for a minor. A marketplace is also provided which allows minors to purchase goods or services with funds earned by completing services. | 2013-03-28 |
20130080327 | AUTOMATIC REFRESH AUTHORIZATION FOR EXPIRED PAYMENT TRANSACTION AUTHORIZATIONS - An automatic refresh authorization for payment transaction authorizations that are estimated to be expired is disclosed. The automatic refresh authorization can be determined ‘in house’ by a payment service provider without the need for human intervention or additional information from a merchant. If several days have gone by since a credit card payment was authorized (but not settled), a reauthorization can be automatically initiated so that a subsequent capture/settlement request will successfully transfer funds. The threshold number of days/hours can be customized by the payment service and/or merchant and may be directed to certain payment processors with high fees only. If the reauthorization fails, a capture request based on the original authorization can be attempted in order to document the denied capture request for the merchant. | 2013-03-28 |
20130080328 | Systems and Methods for Processing Payment Transactions - Embodiments of the disclosure can include systems and methods for processing transactions. In one embodiment, a computer-implemented method for processing proposed transactions can be provided. The method can include storing, by a service provider system comprising one or more computers, one or more issuer rules associated with the applicability of one or more payment accounts to proposed transaction; receiving, by the service provider system from a merchant computer, information associated with a proposed transaction, the information comprising one of an identification of a payment account or an identification of a consumer payment device; evaluating, by the service provider system utilizing the one or more issuer rules, the proposed transaction; and determining, by the service provider system based at least in part upon the evaluation, at least one of (i) a payment account to utilize in association with the proposed transaction or (ii) whether the proposed transaction will be approved or denied. | 2013-03-28 |
20130080329 | Systems and Methods for Facilitating Card Present Transactions - Embodiments of the disclosure can include systems and methods for facilitating card present transactions. In one embodiment, a computer-implemented method for conducting card present transactions can be provided. The method can include receiving, by a merchant system comprising one or more computers, a request for a card present electronic commerce transaction on behalf of a consumer; determining, by the merchant system, an identifier of a mobile device of the consumer; obtaining, by the merchant system from the mobile device, validation information associated with a payment application stored on the mobile device; and outputting, by the merchant system for communication to an issuer system, a proposed card present transaction and the validation information. | 2013-03-28 |
20130080330 | CONDUCTING AUCTIONS IN PRIVATE ONLINE ADVERTISING SYSTEMS - An auction module and one or more private bidding modules operate within a client system to select information items for presentation to users. Upon receiving content with space or opportunities for presenting information items to users, the auction module initiates an auction between the private bidding modules. Each private bidding module may use a user profile, information item attributes, and content attributes to select one or more previously stored information items for possible presentation to the user. The private bidding modules submit bids to the auction module for the selected information items. The auction module determines a winning bid and may provide the corresponding information item for presentation within the content. Users' privacy is protected because the auction module and private bidding modules operate autonomously in the client system in conducting auctions, selecting information items for possible presentation, and submitting bids, so that outside entities never access private user information. | 2013-03-28 |
20130080331 | System and Method for Instantaneous Retail Payment - A system for performing a retail payment between a customer and a merchant is provided. The system includes a signed scrip having a public key, a credit value, a signed scrip validation stamp, a credit value, and a validation stamp; a signed invoice comprising a transaction list and an invoice validation stamp; and a private key complementary to the public key, wherein the public key is used to decode the signed scrip; the private key is stored in a server coupled to a network; and the private key is used by the server to validate the authenticity of the signed invoice. Also provided is a method for performing a financial transaction using a system as above; and a non-transitory machine-readable medium including a plurality of machine-readable instructions to cause a server to perform a method as above, is provided. | 2013-03-28 |
20130080332 | EFFICIENT AUTHENTICATION OF A USER FOR CONDUCT OF A TRANSACTION INITIATED VIA MOBILE TELEPHONE - A method and system for authenticating a user for conduct of a transaction initiated by the user via a data-enabled telephone is presented. Efficient use is made of keystrokes on the data-enabled telephone. The data-enabled telephone is capable of initiating telephone calls over a telephone network and of engaging in two-way data communication with a data server in a network and the server enables conduct of the transaction. Caller identification information is received at the server. The information is associated with a telephone call request initiated by the user via the data-enabled telephone to a service number. The caller identification provides basis for authentication of the user and the caller identification information received at the service number is used to address a message to the user. Included in such a message is a logon key for use by the user in accomplishing the transaction. Thus the user can use the logon key to enter into data communication with the server for conduct of the transaction. | 2013-03-28 |
20130080333 | ELECTRONIC WALLET USING ALLOCATION OF FUNDS - A user may instruct a host to transmit an allocation of electronic money to the user's mobile electronic device from a user's payment account managed by the host. The allocation may include credentials, authentication key(s), a signature, a limited amount of funds, and/or other types of payment information. The allocation may be limited to the amount of funds that, when exhausted or expired, prevents further payments using the mobile electronic device. The user may reload the mobile electronic device with electronic money by reconnecting to the host via the secure channel. The user may spend the allocation using the electronic device with use of minimal or no user-based security measures (e.g., passwords, biometrics, etc.), thereby making it quick and easy to make payments with the electronic money. | 2013-03-28 |
20130080334 | PAYMENT SYSTEM FOR HANDHELD DEVICE AND METHOD - A payment method includes: inputting identity information and a password through a handheld device, comparing the identity information and the password through a host server to determine whether the customer is an authorized user, encrypting the identity information to generate authentication information, generating a barcode which includes the authentication information and a deadline for use, acquiring the barcode on the handheld device, decoding the barcode by a barcode reading unit of a point of sale device, inputting a price the customer wants to pay, decrypting the authentication information to obtain the identity information, comparing the identity information decrypted to determine whether the identity information is correct, and transmitting a success notification to the point of sale device for indicating that the payment is completed. | 2013-03-28 |
20130080335 | SOCIAL NETWORKING WEB SITE WITH DINNER OFFER FEATURE - A method on a server for facilitating meal planning for a first and second individual over a communications network is disclosed. The method includes receiving a desired profile from the first individual over, matching the desired profile to a profile of the second individual, sending a message to the first individual indicating the match, receiving a command from the first individual including an offer to attend a meal with the second individual and an offer to pay for the meal, sending a message to the second individual including the offers, and receiving a command from the second individual accepting the offer to attend the meal and accepting the offer to pay for the meal, thereby executing a contract to attend a meal with the first individual, wherein the first individual pays for the meal. | 2013-03-28 |
20130080336 | System for Anonymous Negotiated Sale of Information and Property - A system for executing a sale of information between a buyer and an anonymous seller. The buyer transmits a request for information to a website hosted by a server. A seller who has information transmits a response to the website indicating that the seller has relevant information to sell. The buyer and the seller negotiate anonymously through the server using unique, anonymous identifiers to agree to the price and content of the information. | 2013-03-28 |
20130080337 | SOCIAL NETWORKING WEB SITE WITH DINNER OFFER FEATURE - A method on a server for facilitating meal planning for a first and second individual over a communications network is disclosed. The method includes receiving a desired profile from the first individual over, matching the desired profile to a profile of the second individual, sending a message to the first individual indicating the match, receiving a command from the first individual including an offer to attend a meal with the second individual and an offer to pay for the meal, sending a message to the second individual including the offers, and receiving a command from the second individual accepting the offer to attend the meal and accepting the offer to pay for the meal, thereby executing a contract to attend a meal with the first individual, wherein the first individual pays for the meal. | 2013-03-28 |
20130080338 | IDEAS PROMOTED TO PROJECTS AND SYNCHRONIZATION OF STATUS INFORMATION - Embodiments are provided that include creating projects based in part on a number of collaborative list items and mapping information, but are not so limited. In an embodiment, a computing environment includes a project management system and a collaboration system that are used in part to manage an ideation to project creation process based in part on mappings used to map collaboration information between the collaboration system and the project management system. A method of an embodiment includes the use of mapping information and/or settings in part to create new projects from collaborative list items, wherein a project creation process includes copying over list item values according to the mapping information, storing an identifier of a collaborative list item in each created project, and/or storing an identifier of a created project as part of a corresponding list item. Other embodiments are also disclosed. | 2013-03-28 |
20130080339 | BUSINESS PROCESS CHANGE CONTROLLER - The present disclosure involves computer-implemented methods, software, and systems for managing a transition between business process models. A computer-implemented method includes in parallel with a first business process model, instantiating, using at least one hardware processor, a second business process model, instantiating a temporary exit process step of a set of temporary exit process steps associated with the first business process model and a temporary entry process step of a set of temporary entry process steps associated with the second business process model, coupling an exit transition rule of a set of exit transition rules associated with the first business process model to the first business process model, and activating the exit transition rule after activating the second business process model. | 2013-03-28 |
20130080340 | INDEXING AND ADJUSTING FOR PROPERTY CONDITION IN AN AUTOMATED VALUATION MODEL - Indexing and adjusting for property condition in an automated valuation model. Property data corresponding to a geographical area is accessed, and a regression is performed based upon the property data. The regression models the relationship between a dependent variable, such as price, and property-characteristic explanatory variables. Further regression is then performed and models or further explains the relationship between the dependent variable and property condition explanatory variables. Specifically, further regression may model the relationship between the residual from the first regression and the property condition variables. Optional examples of these variables are those based upon the presence of predetermined remarks in associated property listings, the number of photos in such listings, and a categorical year built variable. The regression is used to determine a property-condition index for the geographical area. The property-condition index identifies a predicted condition that is used to make adjustments to comparable properties in automated valuation modeling. | 2013-03-28 |
20130080341 | PROTECT INTELLECTUAL PROPERTY (IP) RIGHTS ACROSS NAMESPACES - Systems, methods, and apparatuses consistent with the invention relate to protecting namespaces. In one exemplary implementation, the systems, methods, and apparatuses may validate whether or not there is consistency of sponsorship between a first namespace and a second namespace grouped with the first namespace, and perform an action related to the first namespace if there is consistency of sponsorship. | 2013-03-28 |
20130080342 | Preservation of Documents in a Hosted User Environment - Organizations struggle to meet their obligation to preserve electronic documents when litigation occurs or is likely. This is particularly challenging in a hosted user environment using a distributed file system. Embodiments of the invention enable a user to preserve email, chats, text documents, and other electronic files in the native storage systems of these applications, or in a hosted eDiscovery archive that syncs with the native store. In an embodiment, the process uses a label to indicate that a particular document should not be deleted. When purging tasks occur, the documents with such labels are exempt from purging until the label is removed. Search queries may also be run on the documents in their native locations to identify those relevant to a litigation hold. Because the system operates on the native document store, a user is not required to create a copy of the document in order to preserve it. | 2013-03-28 |
20130080343 | Real estate freed from immobilization - The subject of this petition for letters patent is a business patent. Patentable subject matter is identified in Article I Section 8 of the federal constitution. Business patentable matter referenced herein is invention conductive to promotion of Progress of Science. The invention shows how to structure existing rules of record keeping procedure so as to free real estate from being made idle and immobilized by a mortgage lender. The lender has filed a foreclosure court action and subsequently does not complete taking title. That leaves an impoverished borrower with no equity motivation or personal financial resources but obligated to local government for property maintenance. The mortgage lending banks act in violation of antitrust laws prohibiting restraint of trade. Filing a deed in lieu of foreclosure is the key to freeing immobilized property. | 2013-03-28 |
20130080344 | ESTIMATING PROCESS AND SYSTEM - Processes and apparatus are disclosed for determining how mature an estimate is by assessing the basis of an estimate against a scale of criteria or categories of plural relative values of maturity of estimate. Confidence levels derived for two different estimating processes for a same estimate, can be reconciled; and an estimating process can be controlled by systematically reviewing the readiness of a planned estimating process by reviewing the basis of the estimate by assessment of determined maturity level values in a document register. An estimating process can also be controlled by controlling the iterative performance of different estimate assessment and/or preparation processes dependent upon a maturity of a basis of the estimate. | 2013-03-28 |
20130080345 | SYSTEMS AND METHODS FOR SHARING VEHICLE INFORMATION IN A DISTRIBUTED NETWORK - A system and method for sharing vehicle information in a social networking system is disclosed. In one example, the method includes receiving identification information and vehicle information relating to a plurality of vehicles, including the vehicle information relating to the first vehicle and an identification of a first vehicle associated with a first user, storing the identification information and the vehicle information relating to the plurality of vehicles in the social networking system, comparing the identification information and the vehicle information relating to the first vehicle to the identification information and the vehicle information relating to the plurality of vehicles to determine at least one relation between the first vehicle and the plurality of vehicles, and transmitting to a plurality of users statistical information based on the at least one relation, associated with the first vehicle and the plurality of vehicles defined in the social networking system. | 2013-03-28 |
20130080346 | Apparatus and Methods for an Application Process and Data Analysis - One aspect of the invention relates to a method of simplifying an application process. The method includes a series of steps that can be performed in any particular order. The steps include dividing: the application process into a plurality of sub-processes, arranging a portion of the plurality of sub-processes in response to a scheme, collecting user profile data in response to a plurality of queries, the queries selectively presented to the user in response to a branching logical hierarchy, generating a report in response to the profile data; and targeting information to a desired demographic of users in response to user profile data correlations. | 2013-03-28 |
20130080347 | System for Optimizing Collection and/or Delivery Trips - The subject innovation relates to a system for optimizing collection trips and/or delivery trips of a courier service, comprising a computer system with a database for storing address data records and for providing the address data records for a navigation system which can at least be read in at least one of the courier vehicles belonging to the courier service, has a display screen for navigation information and comprises an input system in the courier vehicle, which input system is connected to the computer system and is intended for the input of at least one item of additional information relating to at least one address data record, wherein the computer system is suitable for inserting the additional information into the stored address data records. The subject innovation also relates to a method for using this system. | 2013-03-28 |
20130080348 | Systems and Methods for Capturing Event Feedback - Methods, systems and computer readable media are described herein for capturing event feedback and providing a representation of feedback results generated using the feedback indicia. The representation of feedback results involves configuring a transmission module of the computing device to synchronize to an event record representing an event; receiving feedback indicia associated with an event at the computing device; operating a data processor of the computing device to assemble a feedback indicia array using the feedback indicia; and providing the event feedback to a remote data processing module. The capturing of event feedback involves storing a plurality of different event records for a plurality of different events; for each event record, receiving a plurality of feedback indicia arrays; and for each event record determining an aggregate feedback result array from the plurality of feedback indicia arrays. | 2013-03-28 |