| 14th week of 2009 patent applcation highlights part 51 |
| Patent application number | Title | Published |
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| 20090089132 | Computer-Assisted Contract Management System for An Enterprise - A computer-assisted management method for an enterprise including multiple work locations is provided. The method includes creating electronic contracts by associating work rules within the electronic contracts, the work rules governing an employer-employee relationship. The electronic contracts including the work rules are stored in a contract database. The electronic contracts stored in the contract database are provided to one or more system. The employer-employee relationship is managed using the electronic contracts including the work rules. | 2009-04-02 |
| 20090089133 | INTEGRATED CALENDAR AND TASK SCHEDULER - A computer implemented method for integrating a calendar and task scheduler to enable automatic scheduling of meetings and assignment of tasks based on priority. With the illustrative embodiments, a task in a user's calendaring system may be split into multiple time blocks, and each time block for the task may then be scheduled around meetings in a user's calendar. Tasks that are scheduled in the user's calendar may also be automatically rescheduled when meetings within the user's calendar change. Tasks may be scheduled over lower priority meetings in the user's calendar as needed in order to meet the due dates assigned to the tasks. The illustrative embodiments also allow for automatically adjusting meeting or task priorities based on policies, and identifying classes of activities that may be performed concurrently. | 2009-04-02 |
| 20090089134 | METHOD AND SYSTEM FOR VEHICLE SERVICE APPOINTMENTS BASED ON DIAGNOSTIC TROUBLE CODES - Methods and systems are provided for the analysis of one or more diagnostic trouble codes (DTCs), and for the scheduling of vehicle service appointments based at least in part on the DTC analysis. The method involves analyzing the received DTCs to determine an underlying problem. Once the underlying problem is determined, the parts and estimated repair time needed to repair the problem is determined. In one approach, the selection of the proposed slot for the service appointment involves coordinating numerous factors, such as the availability of needed parts, the user's scheduling preferences, and the availability of slots in the dealer's service schedule. | 2009-04-02 |
| 20090089135 | PROVIDING WORK, TRAINING, AND INCENTIVES TO COMPANY REPRESENTATIVES IN CONTACT HANDLING SYSTEMS - Several of the embodiments disclosed herein relate to accessing and tracking real-time data concerning company representative performance, proficiency, training, scheduling, current workflow, and estimated workflow. Moreover, many of the improvements in contact handling systems disclosed herein automatically provide training, work, and incentives to company representatives to improve performance, proficiency, efficiency, effectiveness, automate scheduling, and automated workflow. Thus, as a result of the teachings disclosed herein, customer satisfaction, employee satisfaction, and revenue may be improved in the contact handling industry. | 2009-04-02 |
| 20090089136 | REAL-TIME ROUTING OF CUSTOMERS TO COMPANY REPRESENTATIVES IN CONTACT HANDLING SYSTEMS - Several of the embodiments disclosed herein relate to accessing and tracking real-time data concerning company representative performance, proficiency, training, scheduling, current work flow, and estimated work flow. Moreover, many of the improvements in contact handling systems disclosed herein automatically provide training, work, and incentives to company representatives to improve performance, proficiency, efficiency, effectiveness, automate scheduling, and automated work flow. More specifically, a method for assigning work to one or more company representatives is disclosed. The method includes assigning a proficiency associated with a training session to the company representative as soon as the training session is completed by a company representative. The method further includes associating the proficiency with increased work capability as soon as the proficiency associated with the training session is assigned to the company representative. As a result of the teachings disclosed herein, customer satisfaction, employee satisfaction, and revenue may be improved in the contact handling industry. | 2009-04-02 |
| 20090089137 | RAPID DEPLOYMENT OF TRAINING FOR COMPANY REPRESENTATIVES IN CONTACT HANDLING SYSTEMS - Several of the embodiments disclosed herein relate to accessing and tracking real-time data concerning company representative performance, proficiency, training, scheduling, current work flow, and estimated work flow. Moreover, many of the improvements in contact handling systems disclosed herein automatically provide training, work, and incentives to company representatives to improve performance, proficiency, efficiency, effectiveness, automate scheduling, and automated work flow. More specifically, this application discloses a method for delivering training to company representatives. Also disclosed is an automated customer service and training management system. As a result of the teachings disclosed herein, customer satisfaction, employee satisfaction, and revenue may be improved in the contact handling industry. | 2009-04-02 |
| 20090089138 | REAL-TIME PERFORMANCE BASED INCENTIVES FOR COMPANY REPRESENTATIVES IN CONTACT HANDLING SYSTEMS - Several of the embodiments disclosed herein relate to accessing and tracking real-time data concerning company representative performance, proficiency, training, scheduling, current work flow, and estimated work flow. Moreover, many of the improvements in contact handling systems disclosed herein automatically provide training, work, and incentives to company representatives to improve performance, proficiency, efficiency, effectiveness, automate scheduling, and automated work flow. More specifically, this application discloses, in part, a method for determining an incentive for a company representative. Also disclosed is a graphical interface enabling a user to control training based incentives. As a result of the teachings disclosed herein, customer satisfaction, employee satisfaction, and revenue may be improved in the contact handling industry. | 2009-04-02 |
| 20090089139 | SCHEDULING PROCESSING TASKS USED IN ACTIVE NETWORK MEASUREMENT - A method of scheduling tasks for active network measurement includes identifying a first measurement task for measuring a first network parameter and a second measurement task for measuring a second network parameter. It is determined whether there is a conflict between the first measurement task and the second measurement task. A first execution time of the first measurement task and a second execution time of the second measurement task are also determined. A task schedule is generated based at least in part on the first execution time, the second execution time, and whether there is the conflict between the first measurement task and the second measurement task. The task schedule is further generated based at least in part on a color graph. | 2009-04-02 |
| 20090089140 | SUPPORT MANAGEMENT METHOD, SUPPORT MANAGEMENT SYSTEM AND INFORMATION PROCESSING DEVICE - A trouble-shooting measure against a fault in an external device installed at a remote place is supported by receiving fault information on the fault that has occurred in the external device, acquiring an installation place of the external device in which the fault has occurred, a repair procedure acquisition unit for acquiring a repair procedure representing a list of candidates of qualified maintenance persons and an outline of the fault that can be dealt with by the maintenance persons included in the list, acquiring a job situation of the maintenance person, and transmitting a trouble-shooting instruction against the fault to a communication terminal unit of a qualified maintenance person in accordance with the acquired repair procedure. Further, trouble-shooting instruction is transmitted in priority to an optimum maintenance person selected based on a relation between the acquired repair procedure and the job situation. | 2009-04-02 |
| 20090089141 | METHODS FOR CROSS-MARKET BRAND ADVERTISING, CONTENT METRIC ANALYSIS, AND PLACEMENT RECOMMENDATIONS - In another embodiment, a computer-implemented method for processing and optimizing selection of placement, of advertising content related to a brand, in websites of a network is provided. The computer-implemented method is processed by a server in response to communication from a user that is connected to the server over the Internet. The method includes receiving from the user, attributes of an advertisement to be placed on a brand-centric website that relates to the brand, and also receiving selections for types of websites to place the advertisement. The types of websites do not have to be brand-centric websites, but should include content related to the brand. Then, the method includes obtaining metrics from selected websites and historical performance for similar advertisements when placed on the selected websites. The method includes processing the obtained metrics and historical performance to preliminarily define an advertising model. The advertising model defines a score correlated to effectiveness of the advertisement. Optimizing the advertising model is then performed to define a recommended advertising model, where the recommended advertising model defines optimal selections of websites for placement of the advertisement. The optimizing uses multivariable optimization to correlate the obtained metrics to a desired optimization criteria. | 2009-04-02 |
| 20090089142 | Method and System for Configuring an Information Handling System for Online Content Feeds - Methods and systems configuring an information handling system for online content feeds are disclosed. A method may include determining, during an ordering process for an information handling system, whether a person ordering the information handling system desires to have the information handling system preconfigured to receive online content feeds. The method may also include, determining, during the ordering process, one or more desired online content feeds for which the person desires to have the information handling system preconfigured to receive. The method may further include preconfiguring the information handling system to receive the one or more desired online content feeds prior to delivery of the information handling system to an end user of the information handling system. | 2009-04-02 |
| 20090089143 | METHODS AND SYSTEMS FOR FORECASTING PRODUCT DEMAND DURING PROMOTIONAL EVENTS USING STATISTICAL CONFIDENCE FILTERS - An improved method for forecasting and modeling product demand for a product during promotional periods. The forecasting methodology employs information about prior promotional demand forecasts, prior product sales, and the data dispersion and the number of data samples in a product class hierarchy to dynamically determine the optimal level at which to compute promotional uplift coefficients. The methodology calculates confidence values for promotional uplift coefficients for products at each level in a merchandise product hierarchy, and uses the confidence values as a filter to determine the optimal level for promotional uplift aggregation. | 2009-04-02 |
| 20090089144 | BID BASED ADVERTISING TO TELECOMMUNICATION DEVICES - A method whereby a telecommunication device receives a transmitted advertisement from a plurality of advertisers willing pay for the transmission of advertisements, by bidding for priority transmission to a calling party's telecommunication device within one or more cellular networks, whose predetermined attributes match the advertiser's predetermined criteria. | 2009-04-02 |
| 20090089145 | Freight transport logistics performance modeling software system and process - A freight logistics efficiency modeling software embodied in a system and a process for implementing the software. The software interface allows an interactive, visual, user-defined freight transport supply model to be created at the instructions of the user. The model includes a seaport node, hinterland nodes, transportation links that represent transport pathways between nodes, and transportation transition nodes to represent discrete alterations of transport performance along transport pathways. The present invention allows a user to model logistics chain from a low level of abstraction, and to create highly effective theoretical alterations of existing models to examine proposed changes to an existing logistics chain. The use of existing standards allows completion of a model lacking complete data values, and further allows comparison of existing logistics chains to benchmark logistic chain performance and normal logistic chain performance. | 2009-04-02 |
| 20090089146 | METHOD OF DISTRIBUTING ADVERTISING AND INFORMATIONAL MESSAGES - The method of distribution advertisement information reports includes loading by the distributor of advertising in a cellular phone of the subscriber of the original program of the distributor of advertising for reception advertisement information reports the subscriber, sending to the subscriber advertisement information reports both the subsequent reception and their viewing by the subscriber on its cellular phone. As the original program of the distributor of advertising into a cellular phone of the subscriber load the program providing questioning of the subscriber, sending to the subscriber advertisement information reports according to media the plan of the advertiser and reception advertisement information reports at the moment of an entering or proceeding call or reception or sending SMS or MMS messages on a cellular phone. For viewing by the subscriber on its cellular phone the advertisement information reports to the subscriber are charged by money resources into its account. | 2009-04-02 |
| 20090089147 | PROVIDER SUPPLY & CONSUMER DEMAND MANAGEMENT - Amongst other things, one or more requests is received from at least one consumer of services to consult with a service provider associated with a brokerage system and having a service provider profile that satisfies at least some attributes in a set of attributes. The consumer demand is measured for consultations with one or more service providers associated with the brokerage system and having service provider profiles that satisfy at least some attributes in the set of attributes. A supply of active service providers associated with the system and having service provider profiles that satisfy at least some attributes in the set of attributes is also measured. It is determined whether an imbalance exists between the consumer demand for and the supply of active service providers having service provider profiles that satisfy at least some attributes in the set of attributes. | 2009-04-02 |
| 20090089148 | SYSTEM AND METHOD FOR PROVIDING PROMOTIONS - A technique is provided for delivering promotions to a consumer. The technique includes acquiring consumer identification and/or transaction data traversing via a PoS terminal over a communication channel, and generating one or more promotions to be offered to the consumer based on the acquired data. The technique further includes sending a promotional data containing the one or more generated promotions to the terminal over the communication channel. | 2009-04-02 |
| 20090089149 | Systems, techniques, and methods for providing location assessments - Methods and systems for providing location assessments are provided. Example embodiments provide a Location Assessment Provider System, which generates and provides assessments of various characteristics of specified locations. In one embodiment, the Location Assessment Provider System receives a specified location, determines a location assessment for the specified location, generates a visual representation of the determined location assessment, and provides the generated visual representation to a client system. Determining a location assessment may be based on geographic-related information about, or associated with, the specified location, such as the presence and location of geographic-related features associated with the specified location. This abstract is provided to comply with rules requiring an abstract, and it is submitted with the intention that it will not be used to interpret or limit the scope or meaning of the claims. | 2009-04-02 |
| 20090089150 | SYSTEM AND METHOD FOR OPERATION MANAGEMENT OF LOGISTICS CENTER - The present invention relates to a system and a method for operation and management of a logistics center In a system for operation and management of a logistics center according to an exemplary embodiment of the present invention, the past patterns of product amount for a user's desired operation plan period is analyzed and product amount to be handled in a predetermined unit by the logistics center is calculated, on the basis of the analysis result. Further, an operation plan about manpower needed for work in the logistics center is made on the basis of the calculated product amount of interest and basis information for manpower operation determined by a user. Thereafter, it is monitored whether corresponding work is on the operation plan that is made, and then at least one of the monitored results is provided to the user. Accordingly, it is possible to efficiently operate manpower needed in the logistics center, and to variously adjust and newly make a variety of work plans. | 2009-04-02 |
| 20090089151 | System and method for brokering the sale of internet advertisement inventory - A dynamic vertical network management system is adapted to broker, between each publisher of a group of publishers and each advertiser of a group of advertisers, the sale of at least a portion of the each publisher's inventory of advertisement impressions. At least a portion of the advertisers are clients of a dynamic vertical network operator (DVN) with the DVN purchasing inventory from the publisher and utilizing such purchased inventory to fulfill advertising orders placed by the client with the DVN (network orders). A publisher data store stores, for each publisher of the group of publishers, a group of segmented ad placements. Each segmented ad placement comprises: i) a placement ID identifying an advertisement placement region within a web page; and ii) at least one distinguishing traffic attribute parameter. An advertisement-order data store stores, for each segmented ad placement, a group of advertisement orders. Upon receiving an ad request from an end user system rendering the web page, an order delivery system: i) determines the selected ad placement, ii) determines an open order for the selected ad placement meeting selection criteria, and iii) if such order is a DVN order: a) determines a client network order meeting network order criteria, and b) delivers ad content associate with the selected network order. | 2009-04-02 |
| 20090089152 | DISTRIBUTED LIVE MULTIMEDIA MONETIZATION MECHANISM AND NETWORK - Methods for managing monetization of live multimedia content include identifying a plurality of producers generating live multimedia content in a communication network. The identified plurality of producers is interactively connected to one or more consumers requesting multimedia content through the communication network. A monetization mechanism is provided for matching requests for multimedia content between the plurality of producers and consumers. The monetization mechanism manages monetization revenue of the multimedia content. The monetization revenue is automatically assigned to the producer of the multimedia content based on interaction at the corresponding multimedia content. | 2009-04-02 |
| 20090089153 | BROAD-BASED INCREMENTAL TRAINING SESSIONS FOR COMPANY REPRESENTATIVES IN CONTACT HANDLING SYSTEMS - Several of the embodiments disclosed herein relate to accessing and tracking real-time data concerning company representative performance, proficiency, training, scheduling, current work flow, and estimated work flow. Moreover, many of the improvements in contact handling systems disclosed herein automatically provide training, work, and incentives to company representatives to improve performance, proficiency, efficiency, effectiveness, automate scheduling, and automated work flow. More specifically, a method for providing training to company representatives is disclosed. Also disclosed is a system for managing work and training of company representatives. As a result of the teachings disclosed herein, customer satisfaction, employee satisfaction, and revenue may be improved in the contact handling industry. | 2009-04-02 |
| 20090089154 | System, method and computer product for implementing a 360 degree critical evaluator - A web-based full-cycle 360 degree (manager, peer and employee feedback) employee performance evaluation and management system and method based on organization-defined standards of behavior, job specific criteria, self review, peer feedback, and dotted line supervisor input. Standardizes evaluations for shared efforts and matrix type management situations. Evaluations include all aspects of the evaluated requirements in the employee assessment such as: job knowledge, accomplishment of objectives, quality of work, productivity, initiative and creativity, interpersonal relationships, supervisory skills, dependability and professional contribution. Manages delivery and tracking of employee performance and identifies educational and professional development needs. Provides a comprehensive record of skills and abilities that could benefit the organization and might otherwise not be noticed or recognized. Assembles data to assist with planning personnel moves and placements that will best utilize each employee's demonstrated capabilities. Customizable template-based evaluation layouts facilitate review entry forms and final printed format that matches an organization's standards of presentation. Manages performance consistency with trend analysis and out-of-bound exception reporting. Evaluates organizational performance on measured standards of excellence and environment. Delivers automated email reminders to staff and managers about pending evaluations. Provides for summary record of compliance for accreditation and certification agencies. | 2009-04-02 |
| 20090089155 | Multicomputer Data Transferring and File Accessing to Authenticate Online Voting and Registration in a Secure Database System - Disclosed is a method and system for file accessing and data transferring to secure online voting using a multilayered security system where all contents of the data may be delivered to users of varied electronic devices. The data transferring occur as an external communication between separate computers which themselves are distinguishable processing entities, such as a voter processing center, online voting station, registration station, and calling station. The system includes (i) requesting at least one voter and biometric information based on a security level; (ii) receiving the at least one voter and biometric information from the user; (iii) verifying the at least one voter and biometric information against the stored voter and biometric information; (iv) in response to acceptable verifications, sending a voting ballot; and (v) receiving and storing the voting ballot with a vote selection. The security level may depend on the type of ballot. | 2009-04-02 |
| 20090089156 | DETERMINING A TOLL AMOUNT - A system, method, and computer readable medium for determining a toll amount comprises determining a capture rate of transports at a toll location and determining the toll amount based on the capture rate. | 2009-04-02 |
| 20090089157 | METHOD AND APPARATUS FOR CONTROLLING AN AVATAR'S LANDING ZONE IN A VIRTUAL ENVIRONMENT - A system, method and device for providing a landing zone in a virtual environment including accessing a network by providing a user identifier, retrieving a user profile based on the user identifier, determining the landing zone based on the retrieved user profile, and rendering the virtual environment based on the determined landing zone. The method may include initiating rendering of a user avatar at the landing zone. The landing zone may be an advertiser sponsored area within the virtual environment. The landing zone may be related to one or more of advertiser products, objects and trademarks including where those products/objects/trademarks are placed in the virtual environment, including placement with relation to the user avatar. The advertiser related object may be selected based on the retrieved user profile. Rendering the virtual environment may include initiating a login of a user on a server device hosting the virtual environment. | 2009-04-02 |
| 20090089158 | SYSTEM AND METHOD FOR SENDING ADVERTISING DATA - A computer readable medium is disclosed containing a computer program useful for performing a method for sending advertising data, the computer program comprising instructions to send a video data stream comprising advertising data from an IPTV server to a first end user device, instructions to receive at the IPTV server selection data from the first end user device selecting the advertising data and a second end user device and instructions to send from the IPTV server a data associated with the advertising data to the second end user device. A system is disclosed for performing the method. A data structure is disclosed for use by the system and method. | 2009-04-02 |
| 20090089159 | PRODUCT EFFICIENCY CALCULATOR SYSTEM AND METHOD - A method of using a computer system to inform a consumer about an efficiency associated with an improved packaging configuration for a cleaning product relative to a standard packaging configuration for the cleaning product. The method comprises inputting values from the consumer into the computer system using an input device and storing the input values in a memory, using a processor to calculate a packaging space efficiency and a packaging material efficiency, and using the processor to calculate a total cost savings from using the improved packaging configuration. The method further comprises calculating a storage cost savings based on the shipping-associated packaging space efficiency and the storage cost per unit volume; calculating a disposal cost savings based on the packaging material efficiency and the disposal cost per unit weight; adding the storage cost savings and the disposal cost savings; and displaying output to the consumer using the output device. | 2009-04-02 |
| 20090089160 | Geo-Based Hands-Free Calling Minute Awards - A method and system for customer incentives awards calling minutes for wireless telephone service based on the geographic location and the products and services provided to a vehicle. Illustrative examples include, but are not limited to, a user requesting calling minute awards based on a purchased service and a vehicle location at the time of purchase, a telematics service center automatically awarding minutes based on triggers generated by sensors within the telematics unit, and a telematics unit autonomously awarding hands-free minutes based on triggers generated by sensors and vehicle location. | 2009-04-02 |
| 20090089161 | INTEGRATING ENCAPSULATED ADVERTISEMENT CONTROLS - Computer-readable media, systems, and methods for integrating advertisements using encapsulated advertisement controls are described. In embodiments, one or more embedding instructions are received for embedding one or more encapsulated advertisement controls within an application, the one or more encapsulated advertisement controls including logic for handling of one or more advertisements and presentation of the advertisements to a user of the application. Further, in embodiments, one or more configuration instructions are received for configuring the one or more encapsulated advertisement controls. Still further, in embodiments, one or more advertisements are presented to a user of the application in accordance with the one or more advertisement presentation parameters. | 2009-04-02 |
| 20090089162 | DISTRIBUTED LIVE MULTIMEDIA MONETIZATION MECHANISM AND NETWORK - Methods, systems and computer readable media for managing monetization of live multimedia content include receiving multimedia content from capturing devices in substantial real-time. The capturing devices identify a type of content being captured or location of capture. One or more promotional media from the multimedia content are identified. The identified promotional media is matched with one or more promotional advertisements. The identified promotional media is integrated with the one or more promotional advertisements to generate a composite multimedia stream and the composite multimedia stream is presented to receiving devices in substantial real-time as well as over time. Monetization revenue based on interactions at the receiving devices is tracked. The monetization revenue depends on monetization criteria associated with the promotional media of the multimedia content. | 2009-04-02 |
| 20090089163 | METHOD FOR GENERATING AND DISTRIBUTING COUPONS - A method for generating and distributing coupons over the Internet is disclosed, which comprises providing a website, verifying a vender's identity by the website, allowing the verified vender to generate coupons by him or herself within the website, displaying the vender generated coupons over the Internet by the website and allowing a consumer to extract the vender generated coupons from the website for printing. | 2009-04-02 |
| 20090089164 | SYSTEM AND METHOD FOR ADVERTISEMENT PLACEMENT - A system and method of advertisement is shown. By associating a theme of an advertisement with an aspect of a music performance, the advertisement can be played in a time slot that is adjacent to the music performance during a broadcast. The close temporal proximity of the advertisement to the music performance enhances the effectiveness of the advertisement. Methods and systems of making an association between an advertisement theme and a music performance are shown. Examples of associating methods and systems to implement them include auction methods and systems. One example includes online auctions and systems for implementing them. | 2009-04-02 |
| 20090089165 | System and method for a telephony upgrade credit - A system and method for a feature credit. A feature credit for a user is determined in response to one or more telephony services being utilized by the user. A feature credit balance is adjusted in response to determining the feature credit. The feature credit is redeemed based on user input to provide the user a redemption service. | 2009-04-02 |
| 20090089166 | Providing dynamic content to users - Systems, apparatuses and methods for providing dynamic advertising and other content to requesting users via mobile web servers. Advertisement content is acquired at a mobile device based on a context of the mobile device, such as it's location relative to a source of the advertisement content. The mobile device hosts a network-accessible server, and at least the acquired advertisement content is provided by way of the network-accessible server upon access to the network-accessible server by a requesting device(s). | 2009-04-02 |
| 20090089167 | Indicia-Bearing Package for Delivery Systems for Managing Release of Functional Ingredients in an Edible Composition - A package assembly for supporting a delivery system for inclusion in an edible composition is disclosed. The edible composition is formulated to have at least one ingredient encapsulated with an encapsulating material. The delivery system and the resulting edible composition may include other ingredients to create a desired release profile for the at least one ingredient, any of which can be indicated by indicia on the assembly. | 2009-04-02 |
| 20090089168 | ACE (Alternative Currency Exchange): Alternative Currency Tracking and Mapping System and Method - The invention being disclosed relates to mapping alternative currencies to known worldwide currencies/cash (e.g. dollars, Euros), creating a computation engine to determine the relative values among real and alternative currencies, providing a service and exchange for maintaining or providing an orderly change in the relative value (exchange rate) of alternative and real currencies, and enabling the trading. | 2009-04-02 |
| 20090089169 | Event Based Serving - Apparatus, system and methods for an event based advertising server are enclosed. Trend data measured over time periods for user queries are measured. A determination is made as to whether an eligibility event for an advertisement has occurred. If an eligibility event is determined to have occurred, eligibility change data for the advertisement is generated. The eligibility change data defines a change to the presentation eligibility of the advertisement and is based on the trend data. | 2009-04-02 |
| 20090089170 | METHOD FOR PROMOTING AN INCONTINENCE PRODUCT - A method for promoting an incontinence product, the steps of which can include presenting to a person an unfavorable image associated with incontinence, presenting to the person a favorable image associated with being able to manage incontinence, the unfavorable image and the favorable image having at least one common feature, and presenting to the person an incontinence product for managing incontinence. | 2009-04-02 |
| 20090089171 | METHOD FOR USING ENVIRONMENTAL CLASSIFICATION TO ASSIST IN FINANCIAL MANAGEMENT AND SERVICES - Managing risks of crop production can be performed by understanding the relative performance of different agricultural inputs under the same or similar environmental conditions. In addition, managing of crop production risks can be performed by understanding variations in the performance of the same agricultural inputs over a range of environmental conditions. By being able to describe and understand these variations in performance, decisions can be made which are consistent with overall business and/or production objectives and limit risk associated with variations in environmental conditions. In addition to producers there are other stakeholders in the crop production process, such as financial institutions, insurance providers, users of crops produced, and input suppliers. These and other stakeholders can provide financial incentives to producers for managing crop production risks through use of environmental classification and/or genotype-by-environment information. | 2009-04-02 |
| 20090089172 | MULTI-LINGUAL TWO-SIDED PRINTING - Methods of, and systems for, multi-lingual two-sided printing are provided. According to one embodiment, a method of multi-lingual two-sided printing is provided, the method comprising: initiating a transaction; identifying a first language for printing on a first side of two-sided media and a second language for printing on a second side of the two-sided media based on one or more aspects of the transaction; printing information on the first side of the two-sided media in the first language; and printing information on the second side of the two-sided media in the second language, wherein the first language is different from the second language. Variations including the printing of transaction information on a first side of two-side media and additional information on a second side of the two-sided media when an identified first language is not different from an identified second language are also disclosed. | 2009-04-02 |
| 20090089173 | Retail price output system - The present invention intends to provide a system for determining prices so that the price of a poor-selling product is decreased, and the price of a well-selling product is increased, so as to ensure profit and achieve more effective inventory management. The retail price output system of the present invention comprises setting means in which a reference price of a product is set, recognition means for recognizing an order quantity from a customer for a product, pricing means for increasing or decreasing the list price of the product with respect to the reference price according to the order quantity for the product and an inventory quantity of the product, and price outputting means for outputting data for list price determined by the pricing means to a customer computer, wherein the list price of the product may be increased with respect to the reference price. | 2009-04-02 |
| 20090089174 | Method to generate a customizable product configurator - A method of customizing a product comprising. According to one embodiment, a set of one or more customizable product classes are available from which a create a customizable product. Upon receiving a request to create a customizable product instance, component products are provided to be associated with the customizable product if proper. | 2009-04-02 |
| 20090089175 | PRODUCT EVALUATION SYSTEM AND PRODUCT EVALUATION METHOD - A product evaluation system and a product evaluation method allow people to quickly, inexpensively, and accurately evaluate large amounts of products including those that do not have information attached in advance in the manufacturing stage. The system comprises an I/O component that functions as a product identification mechanism that identifies product type including at least one of product, product group, product brand, or product category, a characteristic acquisition mechanism that acquires characteristic information of the product, an evaluator that performs authentication and value estimations of products, and a data store that stores information related to the product. The evaluation mechanism performs authentication and value estimations of products based on characteristic information of the product acquired by the characteristic acquisition mechanism, and genuine product characteristic information, counterfeit product characteristic information, and value information and market information for each condition included in the information related to products stored in the data store. | 2009-04-02 |
| 20090089176 | MODULAR ELECTRONIC WALLET - A computer program is provided that causes a computer to enable a user to make an electronic payment via a communication network. A user is authenticated to a server computer. The computer retrieves identification information stored in a memory region of the computer, and transmits the identification information to a server computer via the communication network. In addition, the computer displays a personal-finance toolbar on a portion of the display screen, and the computer receives from the server computer, via the communication network, financial information of at least one financial account corresponding to the user. The computer displays, on the tool bar, at least some of the financial information received from the server computer. The computer concurrently displays on the display screen the tool bar and a Web page of a Web site, which is a purchase page on which the user may input purchase information. The computer automatically inputs the purchase information to the purchase page in response to activation of an icon on the toolbar, wherein the computer obtains the purchase information from at least one memory region of the computer. | 2009-04-02 |
| 20090089177 | Apparatus, methods and systems for discounted referral and recommendation of electronic content - Apparatus, methods and systems for sharing and distributing electronic content using a mobile device are presented. In more specific terms, a viral marketing-based, discounted referral and recommendation model by which users may forward electronic content to other users in disclosed. In one aspect, a method of distributing electronic media content over a network includes displaying a discounted offer on a first device that has been transmitted from another device for which the electronic media content has been purchased. A notification is then received, and upon receiving an acceptance from the first device, the electronic media content is transmitted to the device. | 2009-04-02 |
| 20090089178 | System and method for multi-channel, interactive delivery of product information and buying decision information - A system for facilitating multi-channel, interactive delivery of information regarding appliances to customer, to all staff interfacing with customers, and to the retailer's web site is integrated to provide timely and complete information to customer's shopping for an appliance. | 2009-04-02 |
| 20090089179 | Machine-Implemented Method for Assisting Labeling of Correct Product Selling Prices - In a machine-implemented method for assisting labeling of correct product selling prices on a shopping website, upon receipt of an input of a product name and a selling price of a product, a network interface program is enabled to search a specific shopping website for selling prices of related product items. An average selling price of the related product items thus located is found, and a determination as to whether a difference between the inputted product selling price and the average selling price is greater than a preset value is made. Acceptance of the inputted product selling price is refused and a warning message is issued if affirmative. The inputted product selling price is accepted and stored if otherwise. Accordingly, an operator of the shopping website can be assisted to detect pricing errors so as to prevent labeling of incorrect product selling prices due to oversight. | 2009-04-02 |
| 20090089180 | METHOD OF PROVIDING SERVICES INCLUDING ESSAY PROVIDING AND REVIEW SERVICES BASED ON AUTHENTICATION OF COLLEGE STUDENTS, AND SYSTEM THEREFOR - Provided are a method and system for providing services based on authentication of college students. According to the present invention, a verification code is transmitted to an email account that is provided by a college, a college student who inputs the same verification code is authenticated, and the authenticated college student provides the services including an essay providing service or an essay review service, based on the verified identity of the college student. | 2009-04-02 |
| 20090089181 | Methods and systems for conducting transactions with wireless communications devices using a secure interactive service - Methods and systems are provided for conducting a secure transaction with a wireless communications device. According to one implementation, a virtual call center receives an electronic message from the wireless communications device. The electronic message may include a key text phrase and be addressed to an automated service identifier. The virtual call center determines transaction information based on at least one of the key text phrase, the automated service identifier, or an identifier of the wireless communications device. The transaction information includes at least an identity of a merchant. The virtual call center then initiates or provides to the wireless communications device a secure interactive service to receive at least private information and receives at least the private information through the secure interactive service. Thereafter, the virtual call center can complete the secure transaction by providing at least the transaction information and the private information to the merchant. | 2009-04-02 |
| 20090089182 | METHOD AND APPARATUS FOR DATA RECIPIENT STORAGE AND RETRIEVAL OF DATA USING A NETWORK COMMUNICATION DEVICE - A system and method for data recipient invoked electronic commerce allowing data subjects to provide information over a network and data recipients to receive such information relating to the needs of s data subject such as purchases, distribution of application information and the like. The system includes a server having software which gathers the information from a data subject to complete a transaction over a network. The system has a data subject data structure that stores information for registered data subjects. The software is able to access the data subject data structure and enter the data subject's information during subsequent transactions. Having the software obtain and enter the data subject's purchasing information, the data subject does not have to enter the same information every time the data subject desires to effect a transaction over the network. In alternate embodiments, the same technology can be applied to other arenas where a user may have to enter the same repetitive information. | 2009-04-02 |
| 20090089183 | MULTI-PLATFORM NETWORK FOR PROVIDING ORDERING SERVICES - A food ordering system may receive, from a user, a request to place a food order, identify the user, identify a type of user device used by the user to place the request, identify a user interface client that is tailored to the type of the user device, receive, via the user interface client, input from the user to establish the food order, and provide the food order to a restaurant. | 2009-04-02 |
| 20090089184 | Content portal for media distribution - A system and method for distribution of media content. A distribution agreement is established with content providers. The distribution agreement authorizes the content providers to communicate media content to a content portal with a commission paid to the content portal. An authorization to distribute the media content is granted to the content providers in response to establishing the distribution agreement. A menu of the available media content is sent to users. The menu lists all of the media content available and a current price updated in real-time based on information from the content providers. A request is received for the media content from the users. The requested media is distributed to the users. An invoice for the users is updated based on the current price of the media content as ordered. The revenue, minus the commission, associated with the invoice is received for payment to the content providers. | 2009-04-02 |
| 20090089185 | Computer process (system/service) to facilitate shopping and delivery by allowing two parties or more than two parties to exchange (send and receive) physical items by using an email address (or a public identifier) of a receiving party and without the need to know a mailing/delivery address. A party could be a business or a consumer. - A process, method, system, service to facilitate shopping, delivery and physical items exchange between businesses and/or individuals, this is achieved by allowing a sender to use an email address/a public identifier to send a physical item(s) to a receiver instead of using an actual delivery/mailing address of the receiver. In one embodiment a sender can send a physical item(s) he/she owns or has access to via a delivery entity (such as a delivery courier(s), ordinary mail services, etc) by using the email address/public identifier of the receiver. In another embodiment, the sender can choose/purchase a physical item(s) from a business and send it using the receiver's email address/public identifier, where it gets delivered to the actual mailing/delivery address by a delivery entity (delivery entity could be the business itself, a delivery courier(s), ordinary mail services, etc). In other embodiments, the sender can purchase and send a gift certificate(s) that the receiver can use to choose a physical item(s) to be sent using the email address/public identifier instead of the actual mailing/delivery address that the delivery entity delivers to. The sender (a business or an individual) can also use own email address/public identifier instead of the actual mailing/pickup address when sending a physical item(s). The sender can send a physical item(s) to himself/herself, another individual(s) or a business/businesses using the email address/public identifier of the receiver (or using the email addresses/public identifiers if there are multiple receivers). | 2009-04-02 |
| 20090089186 | CONSUMER REPRESENTATION RENDERING WITH SELECTED MERCHANDISE - At least one computing system, in a network or stand-alone environment, accesses a consumer representation, wherein the consumer representation comprises a three dimensional model rendered to depict a consumer appearance and movement in each frame of a captured video stream and specified by a selection of sizing measurements detected from a scan of a consumer body shape. The computing system selects at least one merchandise item from among multiple merchandise items each with separate merchandise characteristics. In particular, the computing system selects the merchandise item of a size selected to fit the selection of sizing measurements for the consumer. The computing system renders the merchandise item on each rendered frame of the three dimensional model according to the merchandise characteristics as applied to the sizing measurements, wherein a display of the rendered three dimensional model shows a realistic image of the consumer appearance and movement as captured in the video stream rendering the consumer wearing the selected merchandise item. | 2009-04-02 |
| 20090089187 | Article Vending Machine And Method for Auditing Inventory While Article Vending Machine Remains Operational - An article vending machine capable of performing an inventory audit and automatically pausing the inventory audit in response to a customer transaction request and method for performing the same are shown. After completing the customer request, the article vending machine resumes the inventory auditing process. The article vending machine thereby remains available for customer use during the inventory auditing process. | 2009-04-02 |
| 20090089188 | METHOD AND SYSTEM FOR MESSAGE NOTIFICATION - Methods and systems for message notification are described. A video message is received from a source access device. A selection of a target user may be received for the video message. A message notification of availability of the video message for a target access device associated with the target user may be provided. | 2009-04-02 |
| 20090089189 | METHODS AND SYSTEMS FOR MANAGING SURPLUS ASSETS - Systems and methods are disclosed for managing assets in an entity having sub-entities, in which a sub-entity acquires or produces assets. The systems and methods include identifying an asset of the sub-entity to be a surplus asset, determining an offset value receivable for transfer of the asset to a client, and providing the asset to the client in exchange for an offset credit. | 2009-04-02 |
| 20090089190 | SYSTEMS AND METHODS FOR MONITORING FINANCIAL ACTIVITIES OF CONSUMERS - Systems and methods are disclosed for monitoring consumer financial data. Clients such as financial institutions or debt buyers identify one or more consumers for which monitoring is desired. Historical financial data, such as credit data, is periodically compared with current financial data according to a number of logical rules or financial triggers. The financial triggers correspond to improvements in a financial position of a consumer. When a financial improvement is determined according to the logical rules, an alert is generated and sent to the client, allowing the client to adjust a collection strategy. | 2009-04-02 |
| 20090089191 | Control Spending Based on Time Period - A system and method for processing user programming request are described. A request entered by a user is detected. An entry for a time period based user spending limit is provided, in respond to the entered user request. The time period based user spending limit entry is received by the system and system tracks the user spending during the time period. In another embodiment, more than one spending limit, corresponding to different time periods, may be entered. | 2009-04-02 |
| 20090089192 | Anticipatory generation and storage of print cost data - Expedited administrative processing of a pay-for-print job addressing content that was the subject of a previous imaging job is realized through anticipatory generation and storage of print cost data for the content attendant to processing the previous imaging job. Anticipatory generation and storage of print cost data permits highly accurate print cost estimation without incurring a penalty in terms of delayed price quotations or delayed verification of funds for the pay-for-print job. | 2009-04-02 |
| 20090089193 | BILL PAYMENT AGGREGATION SERVICE - Tools for providing bill aggregation and/or payment services. In an aspect, such tools aggregate all payments over a given period of time, allowing a user to make a single payment to ensure that all appropriate bills are paid in timely fashion. In another aspect, the tools determine, without requiring user input, an amount due on each bill, as well, in some cases, of a due date for each payment. Optionally, the tools can provide a consolidated statement to inform the user of payments to be made over a given period. Such statements can provide a varying level of detail, depending on the implementation and/or on user preferences. In some cases, a consolidated statement might provide line items and/or detailed support for each payment to be made. In other cases, the consolidated statement might simply provide a single consolidated payment amount. | 2009-04-02 |
| 20090089194 | Method and Apparatus for Performing Financial Transactions - A system for processing invoices using a network and involving a vendor, a payer, a partner bank, a payer bank and a vendor bank is disclosed. A unique code assigned to records related to an invoice is also disclosed. The system contains a profile of participants. The system also applies engines that facilitate processing of invoice transactions and that can assist in providing notifications of changed status. Messages that may be used in the system for processing an invoice are also provided. | 2009-04-02 |
| 20090089195 | System And Method For Evaluating Regulatory Compliance For A Company - A system and method for tracking compliance of a company against a regulatory requirement. The system includes a database, an administrative module, a user entry module, a database access module, a question module, an evaluation module and a report module. The database contains records relating to the company, question information relating to the requirement, answer information and user information. The administrative module provides the company's administrative data to the database. The user entry module provides the user data to the database. The database access module determines relevant questions for the user after accessing the database. The question module provides questions to the user, accepts answers to the questions and stores the answers in the database. The evaluation module evaluates compliance by the company to the requirement after it evaluates records in the database. The report module generates a report of regulatory compliance of the company. | 2009-04-02 |
| 20090089196 | User Interface for an Electronic Trading System - A user interface for an electronic trading exchange is provided which allows a remote trader to view in real time bid orders, offer orders, and trades for an item, and optionally one or more sources of contextual data. Individual traders place orders on remote client terminals, and this information is routed to a transaction server. The transaction server receives order information from the remote terminals, matches a bid for an item to an offer for an item responsive to the bid corresponding with the offer, and communicates outstanding bid and offer information, and additional information (such as trades and contextual data) back to the client terminals. Each client terminal displays all of the outstanding bids and offers for an item, allowing the trader to view trends in orders for an item. A priority view is provided in which orders are displayed as tokens at locations corresponding to the values of the orders. The size of the tokens reflects the quantity of the orders. An alternate view positions order icons at a location which reflects the value and quantity of the order. Additionally, contextual data for the item is also displayed to allow the trader to consider as much information as possible while making transaction decisions. A pit panel view is also provided in which traders connected to the pit are represented by icons, and are displayed corresponding to an activity level of the trader. | 2009-04-02 |
| 20090089197 | TBA FUTURES CONTRACTS AND CENTRAL COUNTERPARTY CLEARING OF TBA - Networks, systems and methods that match orders for TBA futures and settle and clear open positions for TBA futures are disclosed. The TBA futures may include MBS TBA future contracts. A central counterparty clearing firm may net long and short positions and generate delivery instructions to parties having open positions. | 2009-04-02 |
| 20090089198 | Method and Apparatus for Issue and Trade of Fractional Interest Real Estate Stock - An electronic system—and associated method—for creating, marketing, and selling equity shares, represented by stock in individual real estate parcels is provided. A system and method for providing a liquid market for real estate stock is also provided. The system includes, a central controller, coupled to a network, having a trading system that processes the purchase and sale real estate parcel based stock, an investor interface with which investors communicate with the central controller, and a real estate owner interface with which real estate owners communicate with the server. A real estate owner creates, through the system a real estate stock offering, which is presented to a plurality of investors. Each investor may purchase the stock with a purchase commitment. The investors may later trade the real estate parcel stock via the system. | 2009-04-02 |
| 20090089199 | BLOCK TRADING SYSTEM AND METHOD PROVIDING PRICE IMPROVEMENT TO AGGRESSIVE ORDERS - In a trading system for trading securities or the like, traders are given various methods for providing protection from poor executions caused by adverse movements in the market and/or other traders seeking to “game” the system. | 2009-04-02 |
| 20090089200 | PRE-EXECUTION CREDIT CONTROL - Systems and methods are provided to provide pre-execution risk or credit control for electronic financial derivative product trading. A portfolio risk management analysis method, such as the Standard Portfolio Analysis of Risk method, is used to determine how a new order will impact the overall credit or risk of a trading entity. The pre-execution risk control is performed on an order by order basis prior to order execution and may include an analysis of assets and orders for other financial products at the same or different exchanges. The risk level for a trading entity may be set by that trading entity, its clearing organization or the exchange. | 2009-04-02 |
| 20090089201 | Systems and Methods for an Online Credit Derivative Trading System - A credit derivative trading system comprises a credit derivative authority configured to receive defined positions for credit derivatives and update a plurality of trade clients in real-time whenever there is movement in the market for a particular credit derivative. | 2009-04-02 |
| 20090089202 | ALGORITHMIC ORDER MANAGEMENT TOOL FOR TRADING FINANCIAL INSTRUMENTS - A method and an apparatus which provides a programmatic framework that can be used to rapidly build and deploy custom trading algorithms that are used for automated algorithmic handling of orders in the context of electronic trading of financial instruments are provided. The algorithmic trading framework can be fully integrated with an existing order management system. | 2009-04-02 |
| 20090089203 | Marriage Obligation Fulfillment Trust Method and System - By creating a self-determined interest rate platform, a trust fund can be transferred on the platform through a bidding process, so that risk oriented consigners can expand their credit to increase their investments, enhancing assurance to a beneficiary. On the contrary, this can increase interest income of discreet consigners through direct low-cost financial transactions. By creating a trust fund transaction platform, individual consignment funds can reflect the cash demand in the money market on the platform, so that the number of participants can increase the strength of marriage trusts and expand the trust fund market. | 2009-04-02 |
| 20090089204 | STOCK ACCOUNT/ORDER/MARKET PRICE INQUIRY SEVICE METHOD USING A MOBILE TERMINAL - Disclosed is a stock account/order/market price inquiry service method using a mobile terminal that is able to perform a stock account/order/market price inquiry service through a mobile terminal using a stock chip. A stock account/order/market price inquiry service method comprising the steps of: (1) displaying a lower menu page on a mobile terminal of the stock account/order service after a PIN authentication; (2) generating an account/order service request message on the basis of stock chip information read from a stock chip and service request information corresponding to the lower menu and then transmitting the same to a relay server; and (3) receiving a service response message corresponding to service request message from the relay server and displaying the same on the screen of a mobile terminal. | 2009-04-02 |
| 20090089205 | AUTOMATED QUALIFYING OF A CUSTOMER TO RECEIVE A CASH LOAN AT AN AUTOMATED TELLER MACHINE - An automated system and method for qualifying a customer to receive a cash loan at an ATM, when the customer attempts to withdraw more than the available cash from an account that receives regular deposits, and selecting a fee to charge for overdraft protection on a transactional basis. The fee amount is selected from a range of fees, and is dependent on the amount of overdraft protection provided, as a percentage of the transaction amount. | 2009-04-02 |
| 20090089206 | Methods and systems for on-line loan procurement - The present invention relates to methods and systems for on-line loan procurement. More particularly, the invention relates to methods and systems for enabling consumers to apply for a loan or other financing arrangements (including credit cards), lenders to submit bids for such a loan or financing arrangement, and consummating a loan or financing transaction. In one embodiment of the invention, methods for consummating a loan transaction are provided, which comprise providing a website in which a borrower may submit an application for a loan to a plurality of lenders, whereby application purposely excludes information that may be used to identify or contact the borrower. According to such methods, a server is also provided which is capable of (i) receiving the borrower's loan application and transmitting information contained in the application to a plurality of lenders, (ii) receiving loan bids from the plurality of lenders, and (iii) transmitting and displaying the loan bids to the borrower. | 2009-04-02 |
| 20090089207 | PREPAID BUDGET CALLING ACCOUNTS WITH OVERRUNS BILLED TO A CREDIT CARD - Prepaid services include offering a plurality of services. An account is configured to track usages of the plurality of services as well as associating a plurality of recurring balances with the account, wherein each balance is associated with a respective service of the plurality of services. It is possible to deduct an amount associated with providing a particular service for a period of time from the recurring balance associated therewith. | 2009-04-02 |
| 20090089208 | METHOD AND SYSTEM FOR CHARGING CORRELATION - A charging correlation method for an application or service is provided. The method may include: receiving a service identifier assigned for an application or service; and correlating Charging Data Records CDRs generated for the application or service based on the service identifier. A charging correlation system, a billing center and an apparatus are also provided. These method and apparatus may provide a simple charging correlation process for an application or service. | 2009-04-02 |
| 20090089209 | METHODS AND SYSTEMS FOR GENERATING INVOICES - This disclosure describes, generally, methods and systems for generating electronic invoices. The method may include logging on to an online invoicing service account, and looking up a customer account from multiple customers associated with the online invoicing service account. The method may further include selecting the customer account that has a pending financial transaction with a biller. A request for an electronic invoice to be generated for the selected customer is initiated and the electronic invoice may be transmitted to the selected customer. | 2009-04-02 |
| 20090089210 | WIDE AREA NETWORK PERSON-TO-PERSON PAYMENT - According to the invention, transferring money using a computer network is disclosed. In one step, information is saved on credit received for a first user ( | 2009-04-02 |
| 20090089211 | SYSTEM AND METHOD FOR PERSON TO PERSON FUND TRANSFER - A system, apparatus, and method for providing payment for goods or services via a transfer of funds from a payer to a payee. In some embodiments, the invention includes establishing a deposit account for a prospective payee which may be accessed by a payer using payment receipt data provided by the payee. The deposit account may be configured to permit only deposits to the account, with no withdrawal or transfer out of funds possible. The deposit account may be associated with a credit card, debit card, or checking account, or may be a separate account. | 2009-04-02 |
| 20090089212 | INFORMATION PROCESSING APPARATUS AND CONTENT LIST DISPLAY METHOD - According to one embodiment, an information processing apparatus comprises a communication module configured to communicate through a network with a content server which provides contents and a license server which manages license information of the contents provided by the content server, an inquiry module configured to inquire of the license server permission to acquire a content provided by the content server via the communication module, and a display module configured to display a list of the contents provided by the content server in accordance with a result of inquiry made by the inquiry module. | 2009-04-02 |
| 20090089213 | TRACK DATA ENCRYPTION - A portable consumer device using a secondary PAN is disclosed. The portable consumer device includes a secondary PAN associated with a primary PAN, where the secondary PAN has at least one end portion that is the same as the primary PAN, but has a middle portion of that is different than the primary PAN. | 2009-04-02 |
| 20090089214 | CONDUCTING FUEL DISPENSING TRANSACTIONS - Fuel dispensing transactions may be accomplished by a variety of systems and techniques. A fuel dispensing device may include a payment module, a data entry device, and a customer display. The payment module may receive a first communication from a point of sale device requesting an encrypted response and receive a second communication from the point of sale device requesting an unencrypted response. The module may match the first communication to a first corresponding library entry, match the second communication to a second corresponding library entry, determine a user response based on one of the first corresponding library entry or the second corresponding library entry, where the user response defines one of the encrypted response based on the first corresponding library entry or the unencrypted response based on the second corresponding library entry, and use the corresponding library entry to generate a visual customer display requesting the user response. | 2009-04-02 |
| 20090089215 | System And Method For Consumer Protection - A method for combating website spoofing can be used in connection with a website for a financial institution accessible by a plurality of users. Registration information is stored for a user having a financial account with the financial institution, including user login information and customization information for a website associated with the financial institution. A marker is issued, to be stored on a computer used by the user to access the website. At some point, a request is received from the user to display a webpage of the website on the computer, and the user is recognized based on the marker. A webpage is then provided to the computer, having an interface with an attribute customized according to the customization information. The user login information is entered via the website. Upon receiving the user login information, the user is provided access to the financial account. | 2009-04-02 |
| 20090089216 | Method and system for generating a negotiation - A method for generating a negotiation. A request to generate a negotiation is received, wherein the request comprises a negotiation type. Common data and meta-data are accessed, wherein the meta-data is associated with the negotiation type and comprises at least one rule describing the negotiation type. A first user interface is rendered based on the common data and the meta-data, wherein the first user interface is rendered specific to the negotiation type and prompts for a user response defining a term of the negotiation. In response to the user response, the negotiation is generated based on the user response and the meta-data. | 2009-04-02 |
| 20090089217 | Method and Apparatus for Issue and Trade of Real Estate Options - An electronic system—and associated method—for creating, marketing, and selling real estate options, represented by an option contracts for individual real estate parcels is provided. A system and method for providing a liquid market for real estate options is also provided. The system includes, a central controller, coupled to a network, having a trading system that processes the purchase and sale real estate parcel based options, an investor interface with which investors communicate with the central controller, and a real estate owner interface with which real estate owners communicate with the server. A real estate owner creates, through the system a real estate option offering, which is presented to a plurality of investors. Each investor may purchase the option with a purchase commitment. The investors may later trade the real estate parcel option via the system. | 2009-04-02 |
| 20090089218 | Guaranteed Lifetime Withdrawal Benefit and Administration Thereof - A method for administering a guaranteed lifetime withdrawal benefit including initiating the waiting period, calculating the account value to determine the benefit base, periodically determining the account value, comparing the account value to the benefit base, initiating the withdrawal period by fixing the benefit base and withdrawal percentage, calculating the distribution factor and calculating the guaranteed withdrawal. The method allows for premiums to be made during the waiting period. There is a distribution factor assigned to each premium based upon the date of the premium and the annuitant's age at the date the distribution factor is calculated. An existing average distribution factor is calculated periodically and compared to the attained age factor to determine a new average distribution factor. The resulting guaranteed withdrawal amount is the product of the benefit base and the new current average distribution factor. | 2009-04-02 |
| 20090089219 | System and Method for Processing Investment Transactions - A method for processing investment transactions includes receiving investor information regarding each of a plurality of investors. The investor information may include, an identity, a minimum investment per unique investment and a minimum number of required unique investments. Each of the plurality of investors may be signatory to a respective general partnership agreement that share a common general partner. Some of the investor information may be derived from the terms of the general partnership agreement. The method may also include notifying the plurality of investors of a future unique investment opportunity. In accordance with a particular embodiment, for each particular investor of the plurality of investors, it is determined whether the particular investor will participate in the future unique investment. | 2009-04-02 |
| 20090089220 | Simplified quote sharing calculation - Presented is a method for calculating and distributing quoting share revenue to exchange members that contribute quote data to market data feeds. First, the method reads in trading data chronologically for a particular day. Using an object oriented framework, the method divides the symbols and orders into groups of objects to facilitate the tracking of the total price, quantity, and seconds displayed for each symbol. The timestamp of each message is read and the seconds field is parsed ignoring fractional seconds. Credits are awarded for each second the quote is displayed at the National Best Bid/Offer (“NBBO”) by multiplying the price, quantity, and elapsed whole seconds. These quote credits are stored by the system for each member and symbol. Members are eligible to earn quote credits on either the bid or the offer or both at the same time. | 2009-04-02 |
| 20090089221 | Method of providing catastrophic loss protection through a mortgage - A catastrophic hazard protection (CHP) mortgage may be provided on real property or structure(s) on the real property of a owner. The CHP mortgage may be structured to include financial protection in the event that one or more structures of the real property is damaged by a catastrophe such as a hurricane or earthquake. The owner may pay an increased interest rate on the CHP mortgage. If catastrophe damage occurs, the principal amount of the CHP mortgage may be reduced by the lesser of the value of the damage or the principal balance. Alternatively, the owner may receive a payment equivalent to the lesser of the value of the damage or the principal balance. A CHP mortgage may be implemented electronically. Additionally, catastrophic hazard protection may be added onto an existing mortgage. | 2009-04-02 |
| 20090089222 | SYSTEM AND METHOD FOR AUTOMATED STOCK MARKET OPERATION - A system and method for automated stock market investment. In an embodiment, the method includes: i) inputting M previous time period values for the stock into a M-order finite impulse response (FIR) filter, the M-order finite impulse filter having a filter order M, a least mean square (LMS) prediction algorithm with step-size mu, and M adjustable filter coefficients; ii) obtaining an output from the M-order FIR filter, the output from the M-order FIR filter being a predicted next time period value for the stock; iii) comparing the predicted next time period value for the stock with an actual next time period value for the stock to calculate a prediction error; iv) inputting the calculated prediction error into an adaptive algorithm to obtain an adjustment for the at least one adjustable filter coefficient; and v) applying the adjustment for the at least one adjustable filter coefficient and repeating all steps until halted. | 2009-04-02 |
| 20090089223 | APPARATUS AND METHODS FOR HANDLING TRADING DATA - A manually-assisted computer and communications apparatus is provided for periodically fixing a price of a currency or commodity. Successive rate samples of said currency/stock/commodity are received from a plurality of sources ( | 2009-04-02 |
| 20090089224 | METHOD FOR USING ENVIRONMENTAL CLASSIFICATION TO ASSIST IN FINANCIAL MANAGEMENT AND SERVICES - Managing risks of crop production can be performed by understanding the relative performance of different agricultural inputs under the same or similar environmental conditions. In addition, managing of crop production risks can be performed by understanding variations in the performance of the same agricultural inputs over a range of environmental conditions. By being able to describe and understand these variations in performance, decisions can be made which are consistent with overall business and/or production objectives and limit risk associated with variations in environmental conditions. In addition to producers there are other stakeholders in the crop production process, such as financial institutions, insurance providers, users of crops produced, and input suppliers. These and other stakeholders can provide financial incentives to producers for managing crop production risks through use of environmental classification and/or genotype-by-environment information. | 2009-04-02 |
| 20090089225 | WEB-BASED VISUALIZATION MASH-UPS FOR INDUSTRIAL AUTOMATION - A visualization system that generates visual mash-ups for industrial automation includes a ash-up component that combines output from a subset of disparate sources into a common interface. The disparate sources include at least one of equipment, computers, or devices within an industrial automation environment. A visualization component generates and displays a mash-up visualization that includes information associated with the common interface. | 2009-04-02 |
| 20090089226 | VISUALIZATION OF NON-TIME SERIES EVENTS - Systems and methods that displays available relationships between internal and external data streams. A coordination component can collect and analyze both the “internal” data stream(s) and the “external” data stream(s) simultaneously, and a visualization component can present a form of a visual cue, on a collection of history data and network data. Accordingly, instead of merely storing data values as function of time, other non-time series correlation states can be employed dynamically to represent data to the user. | 2009-04-02 |
| 20090089227 | AUTOMATED RECOMMENDATIONS FROM SIMULATION - An industrial controller simulation system is provided. The system includes a simulation component that enables modeling of an industrial controller system. A suggestion component offers automated recommendations in accordance with the modeling of the industrial controller system. | 2009-04-02 |
| 20090089228 | GENERALIZED REDUCED ERROR LOGISTIC REGRESSION METHOD - A machine classification learning method titled Generalized Reduced Error Logistic Regression (RELR) is presented. The method overcomes significant limitations in prior art logistic regression and other machine classification learning methods. The method is applicable to all current applications of logistic regression, but has significantly greater accuracy using smaller sample sizes and larger numbers of input variables than other machine classification learning methods including prior art logistic regression. | 2009-04-02 |
| 20090089229 | MOBILE BRAIN-BASED DEVICE HAVING A SIMULATED NERVOUS SYSTEM BASED ON THE HIPPOCAMPUS - A brain-based device (BBD) having a physical mobile device NOMAD controlling and under control by a simulated nervous system. The simulated nervous system is based on an intricate anatomy and physiology of the hippocampus and its surrounding neuronal regions including the cortex. The BBD integrates spatial signals from numerous objects in time and provides flexible navigation solutions to aid in the exploration of unknown environments. As NOMAD navigates in its real world environment, the hippocampus of the simulated nervous system organizes multi-modal input information received from sensors on NOMAD over timescales and uses this organization for the development of spatial and episodic memories necessary for navigation. | 2009-04-02 |
| 20090089230 | COMPUTER GAME WITH INTUITIVE LEARNING CAPABILITY - A computer game and a method of providing learning capability thereto are provided. The computer game has an objective of matching a skill level of the computer game with a skill level of a game player. A move performed by the game player is identified, one of a plurality of game moves is selected based on a game move probability distribution comprising a plurality of probability values corresponding to the plurality of game moves, an outcome of the selected game move relative to the identified player move is determined, the game move probability distribution is updated based on the outcome, and one or more of the game move selection, the outcome determination, and the game move probability distribution update is modified based on the objective. | 2009-04-02 |
| 20090089231 | ADAPTIVE INDUSTRIAL SYSTEMS VIA EMBEDDED HISTORIAN DATA - Systems and methods that provide for adaptive processes in an industrial setting. Historian data, in conjunction with current collected data, can be converted into decision making information that is subsequently employed for modifying a process in real time. A process trend component, which is associated with a controller, can access historian data (e.g., trends collected via historians) to determine/predict an outcome of a current industrial process. Such enables a tight control and short reaction time to correcting process parameters. | 2009-04-02 |
