14th week of 2011 patent applcation highlights part 34 |
Patent application number | Title | Published |
20110082697 | METHOD FOR THE CORRECTION OF MEASURED VALUES OF VOWEL NASALANCE - A method is described for correcting and improving the functioning of certain devices for the diagnosis and treatment of speech that dynamically measure the functioning of the velum in the control of nasality during speech. The correction method uses an estimate of the vowel frequency spectrum to greatly reduce the variation of nasalance with the vowel being spoken, so as to result in a corrected value of nasalance that reflects with greater accuracy the degree of velar opening. Correction is also described for reducing the effect on nasalance values of energy from the oral and nasal channels crossing over into the other channel because of imperfect acoustic separation. | 2011-04-07 |
20110082698 | Devices, Systems and Methods for Improving and Adjusting Communication - Devices, methods and systems for improving and adjusting voice volume and body movements during a performance are disclosed. Device embodiments may be configured with a processor, microphone, one or more movement sensors and at least a display or a speaker. The processor may include instructions configured to receive at least one of sound input from the microphone and movement data from the one or more accelerometers, generate one or more input levels corresponding to at least one of the sound input and movement data, compare the one or more generated input levels to one or more predefined input levels, associate the one or more predefined input levels with at least one of a color, text, graphic or audio file and present at least one of the color, text, graphic or audio file to a user of the device. | 2011-04-07 |
20110082699 | SIGNAL CODING AND DECODING - An encoding device ( | 2011-04-07 |
20110082700 | SIGNAL CODING AND DECODING - An encoding device ( | 2011-04-07 |
20110082701 | METHOD AND SYSTEM WITH INBUILT INTELLIGENCE FOR FINALIZING AND DELIVERING THE ARCHITECTURE - A method and system for inbuilt intelligence for finalizing and delivering the architecture of a space through a web-based and/or offline system is described. The user is allowed to interactively customize the layout and design of the architectural space. The disclosed system validates the user selected options against predefined electrical, mechanical design and other relevant standards. The disclosed method and system also provides the details about the associated costs and relevant architectural drawings during the course of customization. The information including bill of quantities, drawings, specifications, etc., from the user selected options can be extracted and fed into relevant systems for executing and delivering the architectural space. | 2011-04-07 |
20110082702 | TELEPHONE INTERVIEW EVALUATION METHOD AND SYSTEM - A method and system for evaluating the telephone interview behavior of a job applicant includes a live telephone interview between the job applicant and a trained evaluator asking questions and recording verbal and non verbal responses. The questions are designed to test and probe certain important behaviors and the evaluator submits his report to an electronic algorithm acting in concert with a historical database. The algorithm generates a report on multiple important parameters and said report is communicated back to the job applicant for feedback and self evaluation. | 2011-04-07 |
20110082703 | Internet Content Pricing Model - A system is provided for performing processes for allocating compensation to third party partners hosting web sites based on a portion of revenue from sales to the person or entity linking from such third party site, where in one embodiment the compensation is also a function of the relative percentage of traffic driven by all partners, and where in another embodiment the compensation is also a function of the relative percentage of revenue driven by all partners. | 2011-04-07 |
20110082704 | Systems, Devices, and/or Methods for Managing Healthcare Information - Certain exemplary embodiments can provide a system, machine, device, manufacture, circuit, composition of matter, and/or user interface adapted for and/or resulting from, and/or a method and/or machine-readable medium storing machine-implementable instructions for, activities that can comprise and/or relate to, receiving, by an intermediary from a product provider: information regarding a product, and/or compensation for providing, to the product provider, information regarding a recommendation of the product. | 2011-04-07 |
20110082705 | Remote Prescription Refill System - A prescription refill system having interactive text messaging capabilities is provided. A computer system remote from a pharmacy receives a text message from a customer cellular phone relating to a prescription refill request. The computer system sends another text message back to the customer's cellular telephone, prompting the customer to select a pharmacy from a plurality of pharmacies, at which the customer desires to have the prescription refilled. The customer sends a text message selecting the desired pharmacy, and the system transmits the prescription refill request to the desired pharmacy for subsequent filling. The system could also transmit a text message to the customer's cellular telephone regarding the status of the prescription refill request. | 2011-04-07 |
20110082706 | Methods For Delivering A Drug To A Patient While Preventing The Exposure Of A Foetus Or Other Contraindicated Individual To The Drug - Novel methods for delivering a drug to a patient while preventing the exposure of a foetus or other contraindicated individual to the drug. Embodiments are provided in which the involved prescribers, pharmacies and patients are registered in one or more computer databases. Embodiments are also provided in which registered patients receive counseling information concerning the risks attendant to foetal exposure to the drug. Male patients and female patients who are not pregnant may, in certain circumstances, receive the drug. | 2011-04-07 |
20110082707 | Methods For Delivering A Drug To A Patient While Restricting Access To The Drug By Patients For Whom The Drug May Be Contraindicated - Methods for delivering a drug to a patients in need of the drug, while restricting access to the drug by patients for whom the drug may be contraindicated are disclosed. The methods are of the type in which prescriptions for the drug are filled by a pharmacy only after a computer readable storage medium has been consulted to retrieve a prescription approval code. Embodiments are provided wherein the patients are assigned to risk groups based upon the risk that taking the drug will lead to an adverse side effect, and certain additional information, such as periodic surveys and diagnostic tests probative of the ongoing risk of the side effect developing are obtained before prescriptions for the drug are approved. | 2011-04-07 |
20110082708 | PORTABLE CONSUMER TRANSACTION PAYMENT DEVICE BEARING SAMPLE PRESCRIPTION - In response to a request sent over a network, information is received about a prescription medical supply sample that includes an advertising account for a dispensing pharmacist to chart the cost of the prescription medical supply sample to and an identifier, quantity, and dosage of the prescription medical supply sample. The received information is then written to the memory of a portable consumer transaction payment device along with an identifier for the patient and identifier for the prescribing medical practitioner. The portable consumer transaction payment device is associated with a patient account to engage in transactions on the patient account with merchants in a payment processing network. | 2011-04-07 |
20110082709 | SYSTEM AND DEVICE AND METHOD FOR BLOOD SUGAR LEVEL ANALYSIS AND COMPUTER READABLE RECORDING MEDIUM STORING COMPUTER PROGRAM PERFORMING THE METHOD - A blood sugar level analysis system includes a database, an input device, a processing device and a display device. The processing device is connected to the database, the input device and the display device. The processing device includes a blood sugar recording module and an evaluation module. The blood-sugar recording module obtains at least one measured blood sugar level of a user taken within at least one measurement time period of a day, and records the measured blood sugar level into the database. The evaluation module obtain the measured blood sugar level taken within the measurement time period for each day in an evaluation time span from the database, and bases on the measured blood sugar level(s) obtained to evaluate a abnormal blood sugar level risk of the user within the measurement time period, and the risk is provided for display at the display device. | 2011-04-07 |
20110082710 | ELECTRONIC MEDICAL RECORD CREATION AND RETRIEVAL SYSTEM - An electronic medical record system enables organic growth of medical conditions or choices linked to predefined human body systems or an anatomical image. These choices are used as blue print launchers that form sentences/paragraphs as a user interacts with the choice lists. The choice lists can include a set of control variables that can be selected to create a medical history of a patient in the form of one or more visit notes. The medical history of the patient is formed by user selection of some of the control variables for insertion into fillable data entry locations in the sentences/paragraphs. The sentences/paragraphs are in the form of blue prints which are available generically to be populated with patient specific information to form customized blue prints for a particular patient. Multiple data perspectives in the electronic medical record system allows relatively easy and simultaneous collection of the complex medical data to produce medical visit notes or letters during a patient office visit. | 2011-04-07 |
20110082711 | PERSONAL DIGITAL ASSISTANT OR ORGANIZER FOR MONITORING GLUCOSE LEVELS - The present disclosure provides a personal health organizer that enables patients and healthcare personnel to manage health data. The personal health organizer can be a portable device adapted to receive physiological reading data from a health data collection device or derive reading data from signals acquired by a sensor, or a software module/platform for performing same that is configured to be executed on a general purpose computing device such as a mobile phone/computer. The personal health organizer integrates reading data with applications that assist and promote health management, including reminders, alerts and health data tracking. The reading data obtained can be forwarded to healthcare providers so they can provide feedback such as alerts and diagnoses to the user. The personal health organizer can also support electronic medical record integration via networked computing so that locally stored medical data are automatically synchronized with remotely stored medical data records. | 2011-04-07 |
20110082712 | APPLICATION OF BAYESIAN NETWORKS TO PATIENT SCREENING AND TREATMENT - According to one aspect of the invention, health insurance claim data for a first group of individuals is obtained to generate a training corpus, including a training set of claim data and a holdout set of claim data. The first group of individuals represents enrollees of one or more first health insurance plans and the health insurance claim data represents historic insurance claim information for each individual in the first group. A Bayesian belief network (BBN) model is created by training a BBN network based on the training set of claim data using predetermined machine learning algorithms. The BBN model is validated using the holdout set of claim data. The BBN model, when having been successfully validated, is configured to identify at least one of individuals with risk for a disorder and individuals with risk who are most likely to benefit from intervention and treatment for the disorder. | 2011-04-07 |
20110082713 | Enhanced transaction resolution techniques - A method for completing a transaction is presented. The method comprises establishing network communications between a user and a server, receiving information, at the server, regarding the transaction, seeking available information pertinent to the transaction from at least one source external to the server and the user, processing data from the available information using a rules based engine including rules established on behalf of a party to the transaction located at the server, and presenting an offer set to the user based on at least one decision made by the rules based engine. The transaction may be one according to a variety of scenarios, and the user may be an appropriate party to the transaction. The user may employ various devices to contact the server and seek to complete the transaction. | 2011-04-07 |
20110082714 | Dynamic Reallocation of Seats in Rail Travel Using RFID Technology - Tickets with RFID devices are issued to train passengers. Once the passengers board the train, the number and location of vacant seats is determined based on signals from the RFID devices detected by RFID readers configured within the passenger compartments of the train. Seating information is displayed on screens fitted in each compartment. This is done at or after the train reaches every major station, facilitating wait-listed passengers to occupy any vacant seats that become available. | 2011-04-07 |
20110082715 | META DATA MODEL FOR MANAGING WORK PRODUCTS AND DELIVERABLES - A method and program product for managing work products by utilizing a data model that provides traceability between business requirements and implemented services. The data model includes functional requirement, process element, business service, service design and service component asset types, and the relationships between the asset types. The asset types and the relationships provide a tracing between the functional requirement and the implemented service. In one embodiment, the tracing includes generating a series of displays in response to hyperlink selections. The series of displays include details of related instances of the functional requirement, process element, business service, service design, and service component asset types. | 2011-04-07 |
20110082716 | System for Discovering Business Processes from Noisy Activities Logs - A system for discovering business processes from noisy activities logs from various activities performed during the execution of the process. Activities are observed from the noisy activity logs that may include text from manually entered activity logs, chat scripts, emails, voice transcripts, desktop captures, and tool logs, wherein the noisy activity logs are received from multiple person/tool actors with each of the actors performing one or more activities related to one/more business tasks. Extracting information from the noisy activity logs to capture activity based information, and then analyzing similar activities and finding possible paths in the similar activities. The results are used to build a process graph based on the similar activities and the possible paths in the similar activities. | 2011-04-07 |
20110082717 | HIERARCHICAL MISSION MANAGEMENT - The different advantageous embodiments further provide a system for hierarchical mission management comprising a number of mission planners, a data processing system, and a communication system. The number of mission planners are associated with a number of agent groups. The data processing system is configured to execute the number of mission planners. The communication system is configured to provide communication between the number of mission planners. | 2011-04-07 |
20110082718 | Analyzing Patterns within Transaction Data - A transaction data analyzer associated with a financial entity discovers patterns and/or sequences in consumer transaction data. The analyzer may provide businesses with feedback on spatiotemporal patterns in consumer spending habits. In certain embodiments, the transaction analyzer discovers the frequency of a sequence of purchases made at a first merchant immediately followed by purchases made at a second merchant. In another embodiment, the transaction analyzer discovers trends in consumer purchases made during the weekday versus those that are made during the weekend. The results of the analysis may be used in a variety of ways, including, but not limited to, risk mitigation, merchant/consumer prospecting, and targeted promotions. | 2011-04-07 |
20110082719 | SYSTEM AND METHOD FOR DETERMINING AGGREGATED TRACKING METRICS FOR USER ACTIVITIES - In various exemplary embodiments, a system and method to provide tracking of user interactions and activities with subscribed-to media content is provided. Tracking data which reflects both online and offline activities with media content is accessed. The tracking data is processed to determine a plurality of tracking media associated with the media content. The plurality of tracking metrics is aggregated to generate an aggregated tracking metric. The aggregated tracking metric may comprise two or more of an audience metric, a frequency metric, and an engagement metric. | 2011-04-07 |
20110082720 | SYSTEM AND METHOD FOR THE ANALYSIS OF PRICING DATA INCLUDING A SUSTAINABLE PRICE RANGE FOR VEHICLES AND OTHER COMMODITIES - Embodiments disclosed herein can produce and present sustainable price information to help dealers to price vehicles for sustainability and facilitate consumers in making purchase decisions. In one approach, a sustainable price range for a specific vehicle configuration may be based on an average profit margin (APM) determined utilizing historical sale prices and an estimated actual dealer cost. Other approaches may utilize some or all of the following steps: determine APM and build a model of distribution of profit margins by APM, build a model to adjust APM by certain variables, identify sustainable levels for the inventory, production, and incentives variables feeding into the APM model, plug those in to get the averages for those sustainable levels, identify sustainable percentile cutoffs for a given profit margin, then use this relationship with the now identified sustainable levels as inputs to find the overall sustainable profit margin. | 2011-04-07 |
20110082721 | AUTOMATED REACTIVE BUSINESS PROCESSES - A computer implemented method, data processing system, and computer usable program code for managing reactive business processes. In one embodiment, the computer implemented method provides for modeling a set of business processes as pre-defined events in a software process application, wherein the software process application is located on a data processing system. A set of performance indicators are associated to the set of business processes. A set of reactive business processes are modeled, wherein the set of reactive business processes are pre-defined templates included in the software process application. The set of reactive business processes are mapped to the set of performance indicators. The set of performance indicators are monitored and responsive to a trigger from the set of performance indicators, a reactive business process is initiated. | 2011-04-07 |
20110082722 | METHOD AND SYSTEM TO ASSOCIATE DEVICE MODELS AND ACCOUNTS BY UTILIZATION BANDS - Methods and systems for identifying devices having a specified utilization are disclosed. A selected minimum utilization and maximum utilization defining a utilization band may be received. Device information for each of a plurality of accounts, including a device model and utilization information for each device associated with an account, may also be received. A utilization may be determined for each device based on the utilization information. For each device model in an account, a number of devices in an account having the device model and a utilization in the utilization band may be determined. A plurality of clusters may be identified for device model-account pairs, and at least one device model-account pair may be assigned to a cluster. | 2011-04-07 |
20110082723 | RATING AGENTS PARTICIPATING IN ELECTRONIC TRANSACTIONS - This invention concerns computer system and method for rating agents participating in electronic transactions. In particular, the invention provides a computer system for rating agents participating in electronic transactions, the system comprising a data store to store a set of rules to describe expected behaviours of a first agent for interactions that take place during an electronic transaction with a second agent, wherein at least one rule describes the expected behaviours in terms of a primary expected behaviour and at least one alternative expected behaviour. The system also comprises a monitoring engine operable to monitor actual behaviours of the first agent for interactions that place during the electronic transaction; and a compliance engine operable to calculate a degree of compliance between the monitored actual behaviours and the expected behaviours. | 2011-04-07 |
20110082724 | SYSTEM AND METHOD FOR ADVERTISEMENT PLACEMENT IN AN ELECTRONIC READER DEVICE - A system for and method for placement of advertisement content at an electronic reader device is presented. The system and method comprise an acquisition module configured to receive via a network a plurality of first electronic content from a first source and a plurality of second electronic content from a second source, wherein the plurality of first electronic content includes a first electronic content map and the plurality of second electronic content includes a second electronic content map, a storage module configured to store the plurality of first electronic content and the plurality of second electronic content, a selection module configured to select at least some of the plurality of first electronic content and the plurality of second electronic content for presentation, and a presentation module configured to present the selected electronic content at the electronic reader device according to at least one of the first electronic content map and the second electronic content map. | 2011-04-07 |
20110082725 | Application Software Video Channel - A system and method for selling a software product is described. The system includes a software product resident within the memory of a computer storage device associated with a server that is communicatively connected to a telecommunications network, wherein the software product is suitable for execution on a computing device. Also included is a video program, wherein the video program includes at least one salesperson that promotes the sale of the software product to a customer viewing the video program. After the customer purchases the software product via the telecommunications network, the customer provides identification of the computing device to the server, which distributes the purchased software product via the telecommunications network to the computing device identified by the customer. The method includes providing the service of the above described system. | 2011-04-07 |
20110082726 | Dual Benefit Gift Card Fundraising System and Method - The present invention describes a system and method for raising funds for multiple objectives using gift cards. It describes systems and methods for easier, more effective, and more efficient to fundraising for worthy causes, particularly in ways that capitalize on synergies while minimizing waste. The fundraising organization is able to raise funds for its own operations while at the same time providing benefits to other organizations such as small artisan co-ops. The fundraising system and method is directed to the object of providing a regular captive market and efficient distribution opportunity for artisan co-ops in impoverished societies by creating an incentive structure for raising funds through schools and school-related activities or the like. | 2011-04-07 |
20110082727 | SYSTEM AND METHODS FOR ADVERTISING - Methods and systems of advertising on the notification windows of any incoming/outgoing SMS/MMS and contributing the corresponding advertising dollars to the monthly bill of cell phone users, who are using the underlying software application, are provided. The direct dollar contribution by the advertiser to the cell phone users' monthly bill decreases the monthly amount the users owe the mobile phone service provider. Hence, the users' cost of using a cell phone decreases considerably. | 2011-04-07 |
20110082728 | SYSTEM AND METHOD FOR DELIVERY OF ELECTRONIC COUPONS - A method for delivering an electronic coupon to a mobile device includes receiving via a wireless network a target image or icons extracted from the target image, comparing the target image to a plurality of learned images using a processor in communication with the wireless network, determining whether the target image matches at least one learned image, and when the target image matches at least one learned image, delivering to the mobile device over the wireless network an electronic coupon associated with the at least one learned image. The target image can represent at least a portion of a front surface of a consumer packaged good located in a retail outlet. The target image can be generated using a mobile device configured to communicate with the wireless network. The front surface of the consumer packaged good is the surface of the consumer packaged good that faces an aisle of the retail outlet carrying the consumer packaged good; accordingly, the consumer does not need to handle the consumer packaged good in search of a bar code. | 2011-04-07 |
20110082729 | SYSTEM FOR IN-STORE COUPON DISTRIBUTION AND REDEMPTION - Systems and methods for processing of electronic coupons are disclosed. A plurality of touch screen devices are deployed in aisles of a store. The touch screen devices display coupons for products located in the corresponding aisles after administration devices detect the presence of a registered user in an aisle. The touch screen device accepts selection of coupons and the selections are uploaded to a main server. A point-of-sale administration device detects the presence of a registered user and downloads the pre-selected coupons from main servicer for redemption. | 2011-04-07 |
20110082730 | UNIFIED SUBSCRIPTION SYSTEM AND METHOD FOR REWARDING LOCAL SHOPPER LOYALTY AND PLATFORM FOR TRANSITIONING PUBLISHERS - A purchase-transaction-settled online consumer referral and reward system and method using real-time specific merchant sales information is provided for the advertising publishing industry. The system provides a pay per transaction platform that allows advertising publishers to monetize online and offline print media advertising by tracking and linking ad acceptance events to consummated consumer purchases and reward loyalty of consumers with subscription credits. | 2011-04-07 |
20110082731 | Targeted, Deferred Redemption Coupon System - A system for avoiding fraud in the distribution and redemption of coupons is presented. A coupon is targeted to a particular customer and has a customer identifier which maps the coupon to the customer in some way. The coupon provides for two redemptions, an initial redemption for a nominal amount, including zero, and a deferred redemption which provides an incentive for redeeming the coupon. Upon purchasing an item or engaging in an activity urged by the coupon, the coupon is initially redeemed. After the redeemed coupon is validated and cleared, the customer identified through the customer identifier, is rewarded by the deferred redemption amount. Fraud is not rewarded since the initial redemption amount provides for little or no compensation. | 2011-04-07 |
20110082732 | Cost return economics patronage incentive future benefits system providing cost return goods and services and method and apparatus thereof - A cost return economics future patronage incentive benefits system provides economic transactions or other transactions that from a smaller amount return as a benefit the entire amount of the transaction or greater to any entity or individual or purchaser or seller and or other party, incorporating cost return goods and services and providing the funding of the future benefit total consumer cost return expenditure utilizing an extendable time component to adjust the future payout date through the needed funding period and a system and means to include or not include a commission to purchaser, seller or other party. | 2011-04-07 |
20110082733 | METHOD AND SYSTEM OF OFFERING AN ENVIRONMENTALLY SENSITIVE BANK ACCOUNT - A method and system is provided whereby a customer either establishes a new account or converts their existing account into a program that maximizes the use of online bill payment, electronic statements and paperless charge transactions in exchange for reward payments. In accordance with the method and system, customers establishing or transferring to the program are provided with an electronic transaction card formed from 100% recycled plastic material, on-line banking and an electronic monthly statement thereby eliminating all of the paper associated with the management side of the account. Then customers who enroll receive an incentive for each and every payment or transaction that they complete without using paper. | 2011-04-07 |
20110082734 | LOCATING BUNDLED ITEMS - In an example embodiment, a method is provided of locating a bundle of items. In this method, a query for a first item is received, and a search for the first item is conducted based on the query to locate an attribute of the first item. An identification is then made from the attribute that the first item is associated with the bundle of items. Another search for a second item that is associated with the bundle is conducted based on the attribute. A listing is then generated of the first item with the second item grouped as a bundle. | 2011-04-07 |
20110082735 | SYSTEMS AND METHODS FOR MERCHANDISING TRANSACTIONS VIA IMAGE MATCHING IN A CONTENT DELIVERY SYSTEM - Methods and devices enable users of still or video image content to indicate objects within images in order to obtain more information regarding products of interest. Selected portions of an image or coordinates within the image may be included in a product query message transmitted to a server. The server receiving image information may process the information to recognize objects or particular products within the image selection. Recognized objects or products may be compared to a database of available merchandise to determine availability. Information regarding commercially available products may be included in a product information message transmitted to the user's computing device. Users may initiate a purchase transaction for recommended products based on the product information. The image may be broadcast by a variety of content delivery services including a mobile broadcast TV network. | 2011-04-07 |
20110082736 | METHOD AND SYSTEM FOR LINKING MOBILE PHONE SERVICES WITH A BANKING PROVIDER - A method and system is provided that establishes an inventive program across services offered by two vendors. In a preferred embodiment, a bank account is established that is linked with a customer's mobile phone account in a manner that facilitates paperless billing and paperless payment of the mobile phone service bills via services offered by a bank service provider while providing the customer a reward in the form of discounted mobile phone services thereby promoting the goods and services of both vendors simultaneously. | 2011-04-07 |
20110082737 | COMPUTER-IMPLEMENTED METHODS, COMPUTER PROGRAM PRODUCTS, AND SYSTEMS FOR MANAGEMENT AND CONTROL OF A LOYALTY REWARDS NETWORK - Machines, computer program products, and computer-implemented methods to manage and control a loyalty rewards network and to provide customer loyalty rewards to a customer for purchasing goods or services. Computer program product can determine if a customer is one of the plurality of member customers enrolled in the loyalty rewards network. If the customer is not a member, the computer program product can enroll the customer in the loyalty rewards network. As a purchase are made by member customers thereafter, the member customer swipes or otherwise enters a loyalty reward card number and the computer accumulates and stores loyalty rewards network data representative of the member customer's purchasing behavior. Upon accumulating sufficient loyalty rewards pursuant to collection parameters, the member customers can select one or more of the available loyalty reward actions and the computer program product can implement the selected one or more loyalty rewards action. | 2011-04-07 |
20110082738 | METHOD AND APPARATUS FOR PROVIDING SPECIFICALLY TARGETED ADVERTISING - In one embodiment, the method includes; receiving on one or more computers the content of one or more books, one or more advertisements; information regarding the target audience criteria for each of the one or more advertisements, information and a request from the subscriber for the content of the one or more books; determining if the information from the subscriber satisfies the target audience criteria for each of the one or more advertisements; providing to the subscriber the content of the one or more books requested and one or more advertisements having associated target audience criteria that is satisfied by the information from the subscriber requesting the content of the one or more books electronically; and replacing at least the one or more advertisements having associated target audience criteria that is satisfied by the information from the subscriber with one or more new advertisements. | 2011-04-07 |
20110082739 | FREE SAMPLE ACCOUNT TRANSACTION PAYMENT CARD DISPENSING KIOSK - A free sample account transaction payment card to a user of a kiosk is provided. The method includes receiving a selection of a free sample from a database. Each free sample is associated with an account issued to a sponsor who is financially responsible for the cost of providing the sample to a customer, where the account is acceptable by a merchant for payment for distributing the sample to a consumer. The method further includes retrieving, from the database, to memory in the kiosk, a rendering image and sample information including the account, a quantifier for the sample, and a good or service. The sample information is then written from the memory in the kiosk to a memory location in a free sample account transaction payment card stored within the kiosk and a hard copy of the rendering image is rendered on a surface of the free sample account transaction payment card. | 2011-04-07 |
20110082740 | Pay Per Stay - Pay Per Stay is a web site that directs traffic to other websites, for a designated period of time. Users are rewarded for spending time at a directed site, with either a coupon, a prize, monetary or other reward. | 2011-04-07 |
20110082741 | ELECTRONIC COUPON DISTRIBUTION SYSTEM - A method of secure electronic couponing is disclosed which includes a main server system, and a client system interconnected by a distributed computer network, such as the Internet. Coupon data and advertising data are encrypted to thereby reduce the likelihood that such data may be misused, such as by unauthorized duplication. In addition, the client system is identified by a user identification that is allocated and associated with user information collected from the user of the client system. The user information is indicative of one or more demographic characteristics of the user without being sufficiently personal to specifically identify the user, thus preserving privacy. An icon is provided which, when flashing, alerts the user to the fact that new coupons are available. A hidden URL is utilized, to further prevent unauthorized duplication of coupons. | 2011-04-07 |
20110082742 | METHODS AND APPARATUS FOR ESTIMATING ADVERTISEMENT IMPRESSIONS AND ADVERTISER SEARCH SHARE - The present disclosure provides methods and apparatus for estimating advertisement impressions and advertiser search share. These estimates are improved by eliminating duplicate traffic based on similar words having similar traffic estimates. In addition, coverage is estimated for a particular advertiser keywords using statistical sampling. This coverage estimate is then used as a weighing factor when estimating traffic for an entire business category (e.g., group of keywords) by squaring the individual traffic estimates, summing the squared estimates, and then taking the square root of that sum. | 2011-04-07 |
20110082743 | SYSTEM AND METHOD FOR PRESENTING CONTENT AT AN ELECTRONIC DEVICE WITH HIGH VIEWING PROBABILITY - A system for and method for presenting content at an electronic device with high viewing probability is presented. The system and method for displaying content at an electronic reader device may comprise an acquisition module for receiving a plurality of electronic content from one or more content sources via a network, an identification module for identifying a high-viewing probability event at a electronic reader device, a selection module for selecting at least some of the plurality of electronic content for presentation, and a presentation module for presenting the electronic content at the electronic reader device in association with the high-viewing probability event. | 2011-04-07 |
20110082744 | OPTICAL DISK REPRODUCING DEVICE AND REPRODUCING METHOD - A playback device has a function of playing back, at the time of playing back a playlist from an optical disc, a playitem that is different from a playitem representing an advertisement and embedded in the playlist. In the playback device, a supplying unit holds a desired playitem therein and supplies a requested one of the desired playitem and a playitem that is contained in a playlist stored on an optical disc. A playback unit plays back the playitem supplied from the supplying unit. A judging unit reads playlist information from the optical disc and judges whether or not the playlist information includes a playitem representing an advertisement. If such a playitem is included, a playback path replacing unit rewrites the playlist information to replace the playitem representing the advertisement with playitem representing the desired playitem. A playback target request unit selects a playitem to be played back according to the replaced playlist information and requests the supplying unit to supply the selected playitem. | 2011-04-07 |
20110082745 | PORTABLE CONSUMER TRANSACTION PAYMENT DEVICE BEARING SPONSORED FREE SAMPLE - Information is received in a transmission from a network about a free sample in response to a request. The information includes an advertising account to which a merchant can charge the cost of the free sample provided to a consumer, and also an identifier and quantity of the free sample. The information is written to the memory of a portable consumer transaction payment device where, also encoded in the memory, is an account issued by an issuer to the consumer for the consumer to engage in transactions on the account with merchants in a payment processing network. Data from a transaction for the free sample is submitted by a merchant to its acquirer for processing by a transaction handler who requests payment for the transaction from the advertising account, and the issuer of the advertising account forwards the payment for the free sample to the merchant's acquirer to reimburse the merchant. | 2011-04-07 |
20110082746 | Systems and Methods for Providing Location Based Promotions and Feedback Services - Systems, methods, and devices for providing location based promotions and feedback services on communications networks are disclosed. Location information corresponding to an entity's location can be stored. Location data relating to a device can be received and compared to the location information to determine if the device is at or near the entity's location. If the device is determined to be at or near the entity's location, a feedback request can be sent to the device. In some embodiments, the device can be given a choice to “opt-in” or “opt-out.” If a device “opts-in,” then feedback associated with the entity can be received. Promotions can be sent to the device based upon the submission of feedback, or based upon the content of the feedback. Feedback can be sorted, filtered, and/or prioritized. Methods and computer-readable media embodying methods for providing location based promotions and feedback services also are disclosed. | 2011-04-07 |
20110082747 | MOBILE SOCIAL NETWORKING ENABLED BY BAR CODES - A method and system for employing barcodes in a social network is disclosed. The method includes extracting location information from a scanned barcode, transmitting the location information to a social network server, and receiving location information of other users in a social network based on the transmitted location information. | 2011-04-07 |
20110082748 | BRAND LEVERAGED LOCATION BASED SERVICE - This specification describes a process comprising the steps of (a) determining attributes of products or services that would be desirable to a user considering that user's indication of trust in a brand, (b) determining the location of the user, (c) locating goods or services having the attributes and available for sale in proximity of the user and (d) advising the users of those goods and services. | 2011-04-07 |
20110082749 | System And Method For Template-Based Assembly Of Publications - A system, method, and computer readable medium for template-based assembly of an electronic publication are disclosed. The system may include a template provider that provides a template that specifies a markup for the electronic publication and having a plurality of content slots; a content provider that provides content; a publisher that formats the content according to the template and comprising a language processor that automatically traverses the template and applies the content to the content slots; and an electronic reading device that displays the formatted content. The method may include receiving at least one template from a template provider; traversing one of the template to identify a content slot; retrieving content for insertion into the identified content slot; applying a markup to a portion of the content; formatting the content by inserting the content into the identified content slot; and rendering the formatted content on an electronic reading device. | 2011-04-07 |
20110082750 | Multi-Channel Digital Targeted Video Advertising System and Method - A method and system for providing highly targeted advertising to remotely located viewers. The viewers are matched to an identifiable receiver on the system and, based on user preferences for products and services developed and stored on each user, targeted advertising for products and services each said user is likely to want, is substituted for the broadcaster advertising and communicated to the individual receivers matched with the user. | 2011-04-07 |
20110082751 | SYSTEM AND METHOD FOR ASSESSMENT OF HEALTH RISKS AND VISUALIZATION OF WEIGHT LOSS AND MUSCLE GAIN - The present system combines image morphing technology, exercise programming, supplement sales, and motivational techniques into one product. Users begin by entering their current measurements, measurement goals and current picture into the system, preferably via a Web site. The picture is segmented into body components, and each affected segment is morphed based upon the measurements, goals, and the segment's responsiveness to weight loss in order to create a modified image representative of the user in a post-regimen condition. This system helps health and fitness businesses obtain new members and retain existing members by showing the members how they will look after following a specific regimen of diet and/or exercise. The system also predicts health risks of diabetes, heart disease, and stroke associated with the user's pre-regimen and post-regimen conditions. | 2011-04-07 |
20110082752 | METHOD AND SYSTEM FOR LOCATION-AWARE USER SPECIFIC ADVERTISEMENTS - A user interface is configured to permit interaction between a user and a location-aware device. A user profile is stored in memory including profile features describing at least one of historic user actions and expected probabilities of user actions. An information server interacts with the user through the user interface, the server being configured to correlate advertisements based on a current location of the user in accordance with the location-aware device and information included in the user profile. | 2011-04-07 |
20110082753 | METHOD OF GENERATING REVENUE FOR A GOVERNMENTAL ENTITY - A method of generating revenue for a governmental entity is achieved by identifying a stationary structure supporting a traffic route information sign on a first side; making provisions for inclusion of commercial advertisement on an unused second side portion of the stationary structure; executing a licensing agreement between an interested party and the governmental entity for use of the unused second side portion of the stationary structure for commercial advertisement, wherein the executed licensing agreement includes an agreed upon royalty payable to the governmental entity; securing a commercial advertisement on the unused second side portion of the stationary structure; and collecting the agreed upon royalty from the interested party to generate revenue for the governmental entity. | 2011-04-07 |
20110082754 | METHOD AND APPARATUS FOR PROVIDING INTERNET ADVERTISING SERVICE - A method and apparatus for providing advertising service in a computer network is provided. This method and apparatus further comprises receiving a request from a user via this computer network to view a Web page, providing conditions to the user for viewing this Web page, delivering this Web page to the user, determining if the user has met the conditions required for viewing this Web page, and terminating access of the user to this Web page if these conditions are not met. | 2011-04-07 |
20110082755 | SYSTEM AND METHOD FOR PRESENTING AND METERING ADVERTISEMENTS - A system and method for providing advertisements or other content, for example on an Internet browser at a user computer. Advertisements may be received and presented at for example a user computer. A visibility duration of the advertisement may be measured. Presentation of an advertisement may be terminated upon determining that a visibility cap or threshold associated with the object has been reached. | 2011-04-07 |
20110082756 | ADVERTISING PRODUCT, AND A SYSTEM AND METHOD FOR IMPLEMENTING THE ADVERTISING PRODUCT - A method. The method is implemented at least in part by a computing device. The method includes receiving, at the computing device, an offer to procure a paid placement advertisement in an advertising campaign, wherein the advertising campaign comprises a free inclusive portion and a paid placement portion. The method also includes evaluating the offer, wherein the evaluating is performed by the computing device. The method further includes allocating available paid placement advertisements based on the evaluated offer, wherein the allocating is performed by the computing device. | 2011-04-07 |
20110082757 | METHOD FOR MAKING MONEY ON INTERNET NEWS SITES AND BLOGS - A method for making an online posted comment more conspicuous relative to other online posted comments. The method can include the steps of publishing internet content online by an internet content provider; providing with the published content a section for recording and posting reader comments; viewing by a reader the published internet content; providing to the reader an option of posting for free a default format comment or posting for a fee a comment made distinctive relative to a default format comment; recording, by the reader, a comment; paying, by the reader, the fee for making the comment distinctive relative to a default format comment; and posting the reader's distinctive comment in the comment section, wherein the posted comment lacks an indication of the time of posting. The fee for distinctiveness transaction can also be implemented by use of an online auction. | 2011-04-07 |
20110082758 | RATE AUDIT SYSTEM - Embodiments of the present invention provide a system, method, and computer program product for auditing rates based on server access of databases. In one embodiment, an expected rate is received, and a rate request is sent to a server, wherein the rate request promotes an entry of the rate request to access a database. A rate response is received from the server, wherein the rate response corresponds to the rate request and includes a specified rate. A sale request is sent to the server, wherein the sale request corresponds to the rate request and promotes an entry of the sale request to access the database. A sale response is received from the server, wherein the sale response corresponds to the sale request and includes a sale rate. A message is output based on the expected rate, the specified rate, and/or the sale rate. | 2011-04-07 |
20110082759 | SYSTEM AND METHOD FOR THE ANALYSIS OF PRICING DATA INCLUDING DEALER COSTS FOR VEHICLES AND OTHER COMMODITIES - The sale of a vehicle may involve many cost and profit components. It is generally impossible for a potential buyer to know all of these components. For example, dealers may be paid by original equipment manufacturers (OEMs) on their Customer Satisfaction Index (CSI) and volume bonus. Embodiments disclosed herein may determine and present to a user an accurate estimate of dealer cost, taking into consideration an aggregate of dealer cost components. For each component, a predictive model may be built to determine an expected value at a particular level. An average of the expected value of the component is then calculated for the most recent month. From that, an average bonus payout per vehicle for the most recent month may be determined. A base dealer cost is adjusted to account for these payouts to produce an accurate estimate of actual dealer cost. | 2011-04-07 |
20110082760 | Shipping Address Population Using Online Address Book - A method for automatically generating a custom name list for use in an order form which can be submitted to an Internet shopping site to complete an order. The method utilizes address book data, stored primarily online utilizing a third party service. In one method according to the invention, names and addresses are read from an address book database and incorporated into a form which enables the user to easily select recipients for one or more gifts. | 2011-04-07 |
20110082761 | Digital Online Exchange - A system for dynamically pricing media content is operatively coupled to one or more clients over a network. The system dynamically adjusts pricing of the media content and delivers the media content to the clients that order the media content at a dynamically adjusted price. The price can be dynamically adjusted based on profit optimization. Alternatively or additionally, the price can be adjusted based to time between purchases. Further, the system is capable of rewarding institutions for allowing their members to access the system. | 2011-04-07 |
20110082762 | SYSTEM AND METHOD FOR A HYBRID CLOCK AND PROXY AUCTION - This invention defines a computer system for conducting an auction of a plurality of items including receiving bids and determining an allocation of at least one of the items, the auction including a dynamic auction phase followed by a later phase. | 2011-04-07 |
20110082763 | COMPUTER-IMPLEMENTED METHOD OF PERFORMING ACTS OF TRADE AND COMPUTER SYSTEM THEREFOR - A computer-implemented method electronically promotes simpler acts of purchase in a relation between a group of vendors and a shopper, whereby the buyer accesses a single front end interface, and goes through a one-time only act of registration procedure. | 2011-04-07 |
20110082764 | SYSTEM AND METHOD FOR COORDINATING AND EVALUATING APPAREL - A computer implemented method and system for coordinating and evaluating apparel/accessory items. The system comprises a processor based client device and a processor based server. The client device receives information about an apparel/accessory item for coordination from a user. The server receives the information about the apparel/accessory item from the client device over a communications network. The server calculates a coordination score of the apparel/accessory item by applying a plurality of predetermined rules to determine if the apparel/accessory item coordinates with one or more apparel/accessory items in the virtual wardrobe. The server transmits a recommendation of one or more apparel/accessory items in said virtual wardrobe based on the coordination score. The virtual wardrobe can be user's apparels/accessories or a retailer's stock of apparels/accessories for sale. | 2011-04-07 |
20110082765 | METHOD AND SYSTEM FOR ITEM COLLECTION IN A SHOP - A method for item collection in a shop in participation of a shopper and in support of computerized platforms. The method includes providing first and second shopping lists, supporting item collection by the shopper in accordance with the lists. The method may include providing an user interface to an item database and storage for shopping lists, facilitating division of a single shopping list into first and second shopping lists, comparing a shopping list with available items, and storing past shopping list. The shop may propose the.shopper buy an available item, encourage sale of the available item in replacement of an unavailable item, remind items based on past shopping lists and support a promotion campaign for the item. The shop may compose a suggestive shopping list, provide the shopping list on a hard copy or mobile device, and may provide the shopper data associated with item locations. | 2011-04-07 |
20110082766 | METHOD AND SYSTEM FOR JOINT-USE OF ELECTRONIC PRODUCT USING MOBILE COMMUNICATION NETWORK - There is provided a method comprising: receiving a request for information on electronic products from a first mobile communication terminal over a mobile communication network and providing information on a list of electronic products; receiving a request for payment for an electronic product selected from the provided information on the list, and transmitting a payment result after carrying out payment procedures for the selected electronic product; storing the paid electronic product in a joint account; receiving a request for access to the joint account from a second mobile communication terminal and determining whether or not to allow the access to the joint account; and receiving a request for checking availability of some of the electronic products stored in the joint account from the second mobile communication terminal and checking the availability of the requested electronic products. | 2011-04-07 |
20110082767 | Multi-Step Authentication-Based Electronic Payment Method Using Mobile Terminal - Disclosed herein is a multi-step authentication-based electronic payment method using a mobile terminal. Order request information of a product is sequentially transmitted to an affiliated store server and a PG company server, and the product and a relevant affiliated store are verified. A mobile communication company server primarily authenticates the user, and the PG company server generates an OTP. The OTP is transmitted to allow the PG company server to secondarily authenticate the user using the OTP. The affiliated store server requests the PG company server to confirm information about a payment for the product and to information about authentication of the user, and the PG company server confirms payment and authentication information. The affiliated store server requests the PG company server to process payment for the product, the PG company server requests the mobile communication company server to process payment, and the mobile communication company server processes requested payment. | 2011-04-07 |
20110082768 | Method and System for Identifying Users and Detecting Fraud by Use of the Internet - A method and system for detecting and preventing Internet fraud in online transactions by utilizing and analyzing a number of parameters to uniquely identify a computer user and potential fraudulent transaction through predictive modeling. The method and system uses a delta of time between the clock of the computer used by the actual fraudulent use and the potentially fraudulent user and the clock of the server computer in conjunction with personal information and/or non-personal information, preferably the Browser ID. | 2011-04-07 |
20110082769 | METHOD FOR MANAGING ITEM QUANTITIES IN AN ECOMMERCE ENVIRONMENT - The present invention provides a computer-implemented method for managing the quantity of at least one item on an ecommerce site. The method includes the steps of monitoring an ecommerce site where at least one item of interest is listed, receiving from the ecommerce site a message relating to a quantity of the item of interest, setting a predetermined displayed quantity of the item of interest that is visible to potential buyers using the ecommerce site, and repeating these steps so long as the item is listed on the ecommerce site. The computer-implemented method is performed by at least one computer programmed to perform these various steps. | 2011-04-07 |
20110082770 | User-Initiated Buyer-Vendor Match Search - A method and a system for a user-initiated vendor search are described. In one aspect, the system includes a mechanism for collecting purchase solicitations from the buyers and sale solicitations from the sellers. The purchase solicitations include information about the products/services sought by the buyers, while the sale solicitations include information about the products/services offered by the sellers to the buyers. In one aspect, upon receiving a purchase solicitation from a buyer, the system attempts to accommodate the request by matching the request for the products/services with the offers of the products/services offered by the sellers. Similarly, upon receiving a sale solicitation from a seller, the system provides the matching offers of the products/services the products/services sought by the buyers. The solicitations and the matches are advertised to the sellers and to the buyers using various schemes and schedules. | 2011-04-07 |
20110082771 | SYSTEM AND METHOD FOR PRODUCT PURCHASE AND DISTRIBUTION THROUGH COMPUTER NETWORK INTERFACE - The method and system of the present invention represents an online internet ordering, fulfillment and shipping process that enables internet consumers to utilize a novel purchasing interface that is easily employed and modified. The system provides a user with an advanced purchasing queue that allows the purchaser to select items to be purchased by placing the items in a series of carts that are all placed in a purchasing queue. Once the series of carts are placed in a queue, the purchaser can select order of completion and also select the time period for each cart to be executed. Once activated, the purchasing queue is automatically initiated, and each cart is executed in the priority as set up by the user. A user may also be given the option to request that the purchasing queue continue indefinably, making shipments in accordance with the placement of the order and shipment carts within the queue. Also, the user may be provided with the option to place the queue on hold, until deleted or resumed at a later date. Furthermore, the interface of the system and method of the present invention provides a graphical interface that allows the user to drag and drop the order and shipment carts within the queue to change their placement within the queue and therefore the shipment priority. | 2011-04-07 |
20110082772 | Systems and Methods for Purchases on a Mobile Communication Device - Systems and methods are provided to facilitate online transactions via mobile communications. In one aspect, a system includes a plurality of converters to interface with a plurality of controllers in different formats for delivery of premium messages; and a common format processor coupled with the plurality of converters in a common format to send the premium messages. In one embodiment, the common format processor is to receive a web request from a mobile phone, in response to a user selection within a mobile application executed separately from a browser application on the mobile phone, to provide a web page in response to confirm a pre-defined purchase, to transmit at least one premium message to the mobile phone using a first converter to obtain funds for the pre-defined purchase, and to communicate with the merchant to make the pre-defined purchase on behalf of the user. | 2011-04-07 |
20110082773 | SYSTEM AND METHOD FOR ORDERING GOODS OR SERVICES USING BLU-RAY.RTM. DISC PLAYBACK - Systems and methods are provided to implement a technique for requesting goods or services using an item of content or media. In one implementation, a system provides a mechanism to place food service orders over or using BDs. The food menu is presented to the user using BD Java graphics. After the user selects the food and destination, an order is placed within a network server which relays the request to a food service fulfillment vendor. The order can be coupled with the AACS DeviceAttribute for storing user preferences. An additional function is to have the order coupled with MediaAttribute to, e.g., offer food service as a loyalty program. This allows for title-specific promotions and may be used to determine the food service fulfillment vendors. | 2011-04-07 |
20110082774 | Inventory Optimizer - Embodiments of the present disclosure include a computer implemented method for an automated selection of an optimal inventory strategy from a set of available strategies based, at least in part, on a set of optimal individual policies associated with one or more items of a plurality of items maintained in a particular inventory stock. | 2011-04-07 |
20110082775 | Risk-Cost Analysis of Currency Exposure Reduction for Currency Exposure Management - Methods and apparatuses enable companies to analyze potential foreign currency exposure reduction actions. Value-at-risk (VaR) for currency exposures and cost of potential exposure reduction actions are used to order currency exposures representing foreign currency exposure for a company. Currency exposures associated with negative cost actions are ordered based on a ratio of VaR to cost. Currency exposure associated with positive cost actions can also be ordered, either based on VaR or cost. An output representation of the VaR versus accumulated cost is generated from the ordered currency exposures. Additionally, a graphical representation of VaR versus accumulated cost can be generated from plot points based on the ordered currency exposures. The output representation, whether a table, list, or graph, allows comparing potential exposure reduction actions. | 2011-04-07 |
20110082776 | CREDIT AUTHORIZATION IN A CORE NETWORK - A node for a telecommunications system, comprising a PCEF and interfaces towards a BERF, a PCRF, and an OCS, an Online Charging System. The node is equipped with a function for sending a credit authorization request and event information to the OCS, and for receiving, in reply, a credit authorization trigger from the OCS. The node also comprises a function for forwarding such credit authorization triggers to the PCRF and for receiving from the PCRF acknowledgment of installation in the BBERF and information regarding the events for which credit is sought. The node comprises a function for receiving the result of a comparison between the event information that was sent to the OCS and the event information that was received from the BBERF; if those two are not similar, the credit authorization is not considered completed. | 2011-04-07 |
20110082777 | Timekeeping Computer System with Image Capture and Quick View - The method and system keeps track of employee time with a timekeeping computer and a camera. The camera captures an image of an employee upon clock-in by the employee. The computer maintains, in its memory, an earlier image of the employee. The employer enters an authenticate employee command, and the system visually displays the time-in image of the employee the clock in time and the earlier stored image of the employee. The system captures an exit image of the employee at clock-out. The employee's exit image and the time and date data is available for viewing. | 2011-04-07 |
20110082778 | SYSTEM AND METHOD OF INTRA-CYCLE PAYMENT OF ACCRUED EMPLOYEE WAGES - Described herein are systems, methods and computer program product of integrated payroll solutions enabling low cost on-demand intra-cycle payment of accrued employee wages, to meet critical cash flow needs. | 2011-04-07 |
20110082779 | BILLING PROFILE MANAGER - A billing profile management system and method is provided. In an embodiment, a billing profile manager is configured to cooperate with an existing network and prepaid server. The billing profile manager is configured to modify the prepaid server and maintain a billing profile for each subscriber that is separate from the billing profile on the prepaid server and which can ultimately override the prepaid server. Additional billing functionality to an existing network and prepaid server is thereby provided. | 2011-04-07 |
20110082780 | SYSTEM AND METHOD FOR ISSUING AND MONITORING BONDS AND OTHER CONTROLLED DOCUMENTS - A system and method for issuing and monitoring controlled forms, and in particular, insurance policies and bonds. The system generally comprises a server computer and a client computer coupled by a communication link, such as the Internet. A controlled form may be created by a user stationed at the client computer, and subsequently reported to a controlled form issuer at the server computer. The method begins with a user selecting a controlled form issuer and a form. The user enters information into fields of one or more data entry screens corresponding to the selected form, and then transmits the entered information to the server computer. Subsequently, the agent receives a completed controlled form from the server computer corresponding to the selected form that may be printed at the client computer and provided to a form applicant. The information entered by the user may also be used to develop a risk score for the form applicant, and the price of the controlled form may be adjusted based upon the risk score. The system may also include separate modules for viewing and editing information associated with agents who use the system, viewing and editing forms stored on the system, and communicating underwriting requests and decisions. | 2011-04-07 |
20110082781 | REAL TIME ADAPTIVE CONTROL OF TRANSACTION REVIEW RATE SCORE CURVE - Modern technologies of signal processing and real-time feedback adaptive control are applied to a fraud screen model to enable the fraud screen model to adapt to changes in shopping behavior to effectively maintain the model's performance on a review rate score curve continuously. Multiple techniques disclosed herein integrate control technologies with modeling technology to control the review rate score curve in real time. | 2011-04-07 |
20110082782 | Relocation Calculator Object Oriented System and Method - The present invention involves a computer or a server for providing a user a relocation cost calculation system. A a relocation data file includes information on relocation expenses, including calculated information based on historical data relating to house parameters and transaction parameters. An interface module is used to receive the house and transaction parameters on a relocation project from the user, and is capable of presenting a total cost of ownership report to the user. Calculator software creates the total cost of ownership report based on the house and transaction parameters received from the interface module and the relocation data file. The relocation data file is created by obtaining relocation expense data records that include historical expense data. The dimensions of the relocation expense database are specified for segmentation. The expense data records are classified according to the specified dimensions. The expense database is filtered according to user specified criteria. The data fields are calculated from the filtered expense database according to the specified dimensions among the specified segments. | 2011-04-07 |
20110082783 | EXCHANGE TRADED AND MANAGED SOVEREIGN DEBT - A method of trading sovereign debt on an electronic trading exchange is disclosed. The method includes receiving financial parameters associated with a plurality of debt instruments offered by a sovereign entity, wherein the financial parameters include at least a maturity, a coupon and a rating, organizing the plurality of debt instruments according to their maturity and rating to define one or more debt instrument groups, defining a standardized financial product associated with each coupon in the one or more debt instrument groups, listing each standardized financial product on the an electronic trading exchange, and matching at least one of the standardized financial products with an order received at the electronic trading exchange. | 2011-04-07 |
20110082784 | Reprice-to-block order - A reprice-to-block order and related market center and process are disclosed which automatically reprice a posted limit order to the price of a block trade executed at an inferior price on a market away from the market center that posted the limit order. | 2011-04-07 |
20110082785 | Content delivery network service provider (CDNSP)-managed content delivery network (CDN) for network service provider (NSP) - A CDN service provider shares its CDN infrastructure with a network to enable a network service provider (NSP) to offer a private-labeled network content delivery network (NCDN or “private CDN”) to participating content providers. The CDNSP preferably provides the hardware, software and services required to build, deploy, operate and manage the CDN for the NCDN customer. Thus, the NCDN customer has access to and can make available to participating content providers one or more of the content delivery services (e.g., HTTP delivery, streaming media delivery, application delivery, and the like) available from the global CDN without having to provide the large capital investment, R&D expense and labor necessary to successfully deploy and operate the network itself. Rather, the global CDN service provider simply operates the private CDN for the network as a managed service. | 2011-04-07 |
20110082786 | HEDGING RISKS ASSOCIATED WITH VARIABLE PRICED ORDERS FOR DERIVATIVE FINANCIAL PRODUCTS - Systems and methods are provided for executing a hedge transaction in connection with the execution of a derivative product order in which the price of the derivative product is defined by one or more variables. The hedge transaction may be executed at an exchange or match engine that is different from the exchange or match engine executing the derivative product order. The execution of derivative product transaction may be contingent on the existence of an appropriate hedge transaction. Alternatively, a best efforts approach may be used to fill the hedge transaction order after executing the derivative product transaction. | 2011-04-07 |
20110082787 | Volume Control For Mass Quote Messages - Systems and methods are provided for processing mass quote messages and generating market data. A mass quote message is received and individual orders are parsed and processed. Individual market data messages are stored in a market data message buffer. After all orders are processed, the contents of the market data message buffer is distributed as a single market data message. | 2011-04-07 |
20110082788 | Electronic Funds Transfer - A consumer may make an electronic bill payment from his financial institution account to an intermediary for a certain amount. Data related to the bill payment transaction may be sent to a facilitation server associated with the intermediary. This data may be filtered to determine whether or not the data represents a valid bill payment transaction. If it does, an intermediate account provided by the intermediary, or an account of a third party (such as an on-line merchant) may be immediately credited with the amount of the bill payment so that the consumer can immediately use those funds in an on-line purchase. | 2011-04-07 |
20110082789 | VENDOR PAYMENT CONSOLIDATION SYSTEM - Several related entities can owe payments to a single vendor. For example, several related companies can owe payments to developers who sell software using several storefronts operated by the related companies. To limit the number of payments made to the developer, a third-party payment processing entity can receive individual payments from each of storefronts for a developer, can aggregate he payments and convert their respective currencies if necessary, and provide a single payment on behalf of all of the storefronts to the developer. Because the payment processing entity is a third party (e.g., a bank) and not related to the storefronts, the tax or other advantages procured from having several storefronts can be preserved while reducing the costs of paying the developer (e.g., fewer transaction fees). | 2011-04-07 |
20110082790 | System and Methods for Managing the Utilization of a Communications Device - A system and method for the real-time management of a device, and more particularly to the allocation of electronic wallets that are associated with one or more devices and various controls that enable at least two entities to manage how the device is utilized for various activities and to pay for goods and services. Each device is associated with at least two electronic wallets, a user wallet and an administrator wallet. The administrator can establish rules that designate how and when the device can be used and which wallet will be used to pay for goods and services desired by the user, but in the event the user wallet is depleted or low on funds, the administrator wallet can serve as a backup funding source for specified types of goods and/or services. Additional wallets can also be associated with the device to authorize and pay for goods and services, under the control of the administrator wallet, such as a promotional wallet that could be designated for use with the device before a primary or administrative wallet was used, or a dynamic wallet that could be associated for use with multiple different devices as well as other wallets, but acts in conjunction with the user and administrator wallets. Additional rules can be established to perform many other functions, such as manage the movement of value between wallets and from other sources to the wallets. | 2011-04-07 |
20110082791 | Monitoring Secure Financial Transactions - A request for a secure financial transaction is received from a user, who is authenticated with a biometric device. If the user is authenticated, an authentication token is received from the biometric device and sent to a remote device, which initiates the secure financial transaction. Upon initiation of the secure financial transaction, details related to the secure financial transaction are displayed to the user and the those details are monitored until the secure financial transaction is completed. | 2011-04-07 |
20110082792 | Processing of Credit Card Transactions Using Internet Protocol - A system for processing credit card transactions is disclosed. Merchant locations include at least one Internet protocol (IP) capable credit card terminal, either connected directly to a wide area network such as the Internet, or connected to the Internet via a router. The IP-capable credit card terminal forwards transaction information over the Internet, and biometric information regarding the presenting customer if desired and if available, which is processed by a credit card processing system. According to one embodiment of the invention, the credit card processing system is an IP credit card gateway processor, which formats the transaction information into a conventional format for processing by a credit card processor. According to another embodiment of the invention, the credit card processing system is a Direct IP credit card processor, which receives the IP transaction information, and biometrics if available, from the credit card terminal and which processes and communicates the information direction to the credit card issuer. Authorization of the transaction is then communicated by the credit card processing system over the Internet to the credit card terminal, so that the transaction is completed. | 2011-04-07 |
20110082793 | SECURE NETWORKED TRANSACTION SYSTEM - A method and system for approving a transaction between a customer and a merchant including the steps of transmitting a transaction request from a customer to a merchant; transmitting a verification request from the merchant to a verification entity, the verification request comprising first data; the customer device transmitting second data to the verification entity; and the verification entity performing a verification step by using the first data and the second data to verify if the transaction should be approved. | 2011-04-07 |
20110082794 | Client-centric e-health system and method with applications to long-term health and community care consumers, insurers, and regulators - A patient-centric system and method for accessing personal health records of a patient, stored in relational databases and containing comprehensive records of multiple patients with each patient's records incorporating many different data categories and functions including manual or automated data exchange, consolidation, storage, routing and transmission, consistent with consent directives assigned to authorized users and computer systems of authorized users by the patient or designated representative thereof. The consent directives define privileges of access in each of said data categories and functions within the patients records. The patients records are stored in relational databases hosted by Web servers on a computer network through which the authorized users interact under the control of programming logic consistent with the consent directives assigned by the patient or designated representative thereof. | 2011-04-07 |
20110082795 | PRODUCT PROTECTION IDENTIFIER FOR CHECKING THE AUTHENTICITY OF PRODUCTS - The invention relates to a product protection system, whereby a product piece is provided with a product-specific identification sequence (K) which is converted into a coded check sequence (C), by means of an encoding method (F | 2011-04-07 |
20110082796 | COPYRIGHT MANAGEMENT SYSTEM - A copyright management system for registering a document read by a multifunction peripheral in a database as a copyrighted work and charging a copyright fee for use of the registered document includes a setting unit, a registration control unit, and a notification unit. The setting unit sets attribute information including a monitoring range within which to monitor an update status of the document read by the multifunction peripheral. The registration control unit adds the attribute information set by the setting unit to the document and registers the document with the added attribute information in the database. The notification unit monitors the update status of the document within the monitoring range and notifies an apparatus set as a notification destination in the attribute information of the monitored update status. | 2011-04-07 |