17th week of 2014 patent applcation highlights part 56 |
Patent application number | Title | Published |
20140114789 | System and Method for Allowing Forward-Sold Goods Purchased via Payment Cards to be Resold - A system and a method for the resale of one or more forward-sold goods and/or services are provided that allows a transaction to be specified as one in which the goods or services may be resold by the purchaser until a time close to actual delivery. The merchant maintains control of the conditions of the resale. If a resale occurs, the merchant receives a commission. The account of the original purchaser is credited with the resale price minus the commission. For an immediate resale, a strike price is set by the purchaser at the time of purchase of a resellable forward-sold good. If the strike price is met by a bidder, this allows immediate transfer of the forward-sold good to the bidder. The availability of goods for resale can be determined by searching a web site for such goods. | 2014-04-24 |
20140114790 | Method of Auctioning a Digital Multimedia Interactive Session - The present invention is a method of auctioning a digital multimedia interactive session between a celebrity and a system user. Both the celebrity and the user are members of a digital community such as a social network, though they may have different types of member accounts. Celebrities are required to record a live video during the account generation process and this video is reviewed by system administrators to parse out persons purporting to be celebrities, but aren't. Upon successful vetting, the celebrity then establishes a desired time, date, and topic for a digital multimedia interactive session, culminating in the submission of a request to the system. The request is reviewed and approved by the system administrators who launch an auction on a website. Users can bid in the auction up until the predetermined close date. Auction winners of the auction are provided the opportunity to interact with the celebrity. | 2014-04-24 |
20140114791 | SYSTEM AND METHOD FOR ENCOURAGING COMPETITIVE PARTICIPATION IN AN AUCTION - In both an on-line and a conventional auction, an auctioneer may encourage competitive bidding behavior through the provision of rewards to those bidders whose bids meet predetermined criteria. For example, a bidder may be rewarded if her bid exceeds a prior bid by a threshold value. An auctioneer may further discourage non-competitive bidding behavior by penalizing those bidders whose bids fall below predetermined standards. | 2014-04-24 |
20140114792 | ELECTRONIC COMMERCE SYSTEM - The exchange-driven electronic market system disclosed herein allows increasing volume and efficiency of transactions between buyers and sellers in a marketplace. An implementation of the electronic market system includes a method comprising receiving a plurality of sale offers, each sale offer including required revenue values required volume values for a product, determining an offered market price based on the plurality of sale offers, displaying the offered market price to a plurality of buyers, receiving from the plurality of buyers a plurality of conditional offers for purchases (COPs), and completing a plurality of sales transactions, if the combination of one or more of the plurality of COPs meets the combination of one or more of the required revenue values. | 2014-04-24 |
20140114793 | Method for Content-Customization of Products and Services - A method is provided by which one or more vendors utilize text messaging to collect or identify customization content from one or more purchasers and/or content contributors, so that the vendors can incorporate or associate the customization content into one or more products or services customized by the purchasers and/or content contributors. According to this method, vendors utilize or provide one or more software components executed on one or more servers, computer systems or devices, or available as a remotely accessible service, to enable purchasers and/or content contributors to submit, select, and/or identify content for the customization of the products or services via text messages sent from text-message-enabled computers, servers or devices. | 2014-04-24 |
20140114794 | MOBILE TELEPHONE AUTOMOBILE ACCESSORY SELECTION APPLICATION - A method for mobile device automobile accessory selection including operating a mobile device to display a plurality of accessory icons on a computer screen, each icon representing a particular automobile upgrade, where each accessory icon has linked information including pricing information that will appear as a pop-up window when activated. A gridded icon with a plurality of grid locations is displayed on the computer screen, where each grid location is adapted to accept a relocated accessory icon, where the gridded icon has the shape of a car overlayed with a representation of a smart phone and the smart phone includes the plurality of grid locations. An accessory icon is selected by relocating it to one of the plurality of grid locations. | 2014-04-24 |
20140114795 | COMPUTERIZED ARTICLE CUSTOMIZATION SYSTEM AND METHOD FOR USE THEREOF - The present invention is a method for soliciting orders for customized apparel. The apparel can be appendage apparel, such as footwear, gloves, or head gear, or non-appendage apparel such as jackets. The present method includes providing an order form accessible through at least one computer by one or more users. The present method further includes providing one or more possible design parameters, requesting the user to customize the apparel by entering at least one of the parameters on the order form. The user submits the order form through the computer and receives apparel according to the order form. The parameters may include size, material, model, style, color, material treatment, or personalization. | 2014-04-24 |
20140114796 | TECHNIQUES FOR GENERATING CONTENT RECOMMENDATIONS - Techniques are disclosed for providing product recommendations based on content clusters. The product may be, for example, goods or services. In some embodiments, the techniques include forming a product cluster based at least in part on product metadata, correlating the product cluster based at least in part on product correlation data, and calculating each product distance to a center of each correlated product cluster. In some cases, the techniques may further include generating recommendations based on product clusters, wherein only products within a given distance to a center of each correlated product cluster are recommended. In some cases, forming a product cluster is carried out using k-means clustering so as to minimize the within-cluster sum of squares, and the techniques may further include optimizing the within cluster sum of squares. | 2014-04-24 |
20140114797 | SYSTEM FOR GENERATING CONTENT RECOMMENDATIONS - Techniques are disclosed for providing product recommendations based on content clusters. The product may be, for example, goods or services. In some embodiments, the techniques are implemented in a system configured to form a product cluster based at least in part on product metadata, correlate the product cluster based at least in part on product correlation data, and calculate each product distance to a center of each correlated product cluster. In some cases, the system may be further configured to generate recommendations based on product clusters, wherein only products within a given distance to a center of each correlated product cluster are recommended. In some cases, forming a product cluster is carried out using k-means clustering so as to minimize the within-cluster sum of squares. | 2014-04-24 |
20140114798 | Commerce System and Method of Controlling the Commerce System Using an Optimized Shopping List - A commerce system involves transactions between manufacturers, distributors, retailers, and consumers. Product information for a plurality of products is collected and stored in a database. A website is provided for a consumer to create a shopping list with weighted product attributes. A baseline product value is determined for each of the products. A consumer weighted product value is determined based on the baseline product value and the weighted product attributes. A discounted offer is generated for the consumer. A product score is determined based on the consumer weighted product value and retailer product value. The shopping list is optimized based on the product score. The optimized shopping list is provided to the consumer to assist with purchasing decisions. Purchasing decisions within the commerce system are controlled by enabling the consumer to select the products for purchase based on the optimized shopping list. | 2014-04-24 |
20140114799 | SUGGESTING, MONITORING, AND IMPLEMENTING ADJUSTMENT TO TERM OF SALE FOR SIMILAR ITEMS - A system and method of enabling a user to influence a term of sale for similar items is disclosed. An item listing is presented to a user. The item listing comprises an original term of sale, is associated with a seller, and belongs to a cluster of item listings. The user can submit a preferred term of sale for the item listing. The preferred term of sale reflects an adjustment of the original term of sale. Information that incorporates the preferred term of sale is presented to a seller of an item listing that belongs to the cluster of item listings. The seller can adjust the original term of sale for the seller's item listing. The adjusted term of sale can be presented selectively to users who have submitted a preferred term of sale for any item listing belonging to the cluster of item listings. | 2014-04-24 |
20140114800 | SYSTEMS AND METHODS FOR DIGITAL GIFT CARD SELECTION - Various of the disclosed embodiments generally contemplate computer-implemented systems and methods for selecting an electronic or virtual gift card from among a plurality of possible gift cards or gift card issuers. Various of the embodiments may match and rank the gift cards according to a gift card recipient's characteristics, and possibly to the electronic or virtual gift card itself. Certain embodiments also contemplate the selection of physical gift cards selection, matching, and ranking aspects of the invention. Various methods for operating a gift card business using certain of the embodiments are also disclosed. | 2014-04-24 |
20140114801 | USER TERMINAL FOR PROVIDING IN-APP SERVICE AND IN-APP SERVICE SERVER - A user terminal providing an in-app service and an in-app service server are provided. The user terminal includes an in-app module configured to be connected to the in-app service server and configured to transmit a multimedia content purchase request, a present request, and a share request to the in-app service server, and a terminal agent installed in an operating system of the user terminal, automatically driven when the user terminal is booted, and operating as a user interface for requesting the in-app service. The in-app service server includes an in-app module interworking unit configured to interwork with an in-app module of a user terminal, and a service controller configured to implement the in-app service when the in-app service is requested. | 2014-04-24 |
20140114802 | METHOD AND APPARATUS FOR ONLINE STORE - An apparatus including a server computer processor, and a server computer memory. The server computer processor may be programmed by computer software stored in the server computer memory to provide a plurality of administrator web pages of a web site to a first store computer. The plurality of administrator web pages may be configured to enable a user of an interactive device of the first store computer to enter sets of information concerning a plurality of products for sale from a first store located at a first physical address, the first store corresponding to the first store computer. The server computer processor may be programmed by computer software to provide a geographical gateway web site page. The geographical gateway web site page may allow a user of the first customer computer to select a geographic area in which one or more stores are located which sell a particular product. | 2014-04-24 |
20140114803 | Returns Frequency Index - A system and method of determining whether to make an item listing visible to a user are disclosed. A user is enabled to navigate an e-commerce site. A returns frequency index is calculated for the user based on the user's transaction history. The user's transaction history includes the user's history of item returns. It is determined whether or not to make an item listing visible to the user on the e-commerce site based on the returns frequency index for the user. In some embodiments, the returns frequency index is calculated using the mathematical expression (V | 2014-04-24 |
20140114804 | ONLINE MARKETPLACE FOR PRE-INSTALLED SOFTWARE AND ONLINE SERVICES - The subject disclosure relates to pre-installed software and services, such as online services, and markets for pre-installed software and online services. In one aspect, the disclosed subject matter facilitates contracting between software vendors and device manufacturers or redistributors for placement and/or conversion of software applications or services in devices. As further advantages, embodiments of the disclosed subject matter can provide transparency into markets for device placement and can facilitate detailed contract performance tracking. Further non-limiting embodiments are provided that illustrate the advantages and flexibility of the disclosed subject matter. | 2014-04-24 |
20140114805 | SYSTEM AND METHOD FOR CUSTOM-FITTING SERVICES TO CONSUMER REQUIREMENTS - Systems and methods for custom-fitting a service solution to consumer requirements are provided. A method for custom-fitting a service solution to consumer requirements, comprises acquiring a request for the service solution from a consumer via a conversational interface, and issuing a query to a service knowledge base to obtain a set of service knowledge representation items from the service knowledge base and analyzing each service knowledge representation item to determine whether a custom-fit service solution can be developed. | 2014-04-24 |
20140114806 | METHOD AND SYSTEM FOR REAL ESTATE SERVICES - A method of brokering real estates between at least one potential real estate investor and at least one potential tenant performed on a system comprising an internet based platform accessible by at least one tenant and at least one investor with use of at least one user terminal wherein the method comprises the steps of entering and storing tenant data into a first database wherein tenant data comprises at least one parameter characterizing the tenant's desired real estate; entering investor data wherein said investor data comprises at least one parameter characterizing the investor's desired real estate; and analyzing said tenant data and said investor data and displaying matching data to bring a potential tenant and investor together for an investment project. | 2014-04-24 |
20140114807 | Utilizing User Devices in Venues - In various implementations, customer service may be provided using a pager and/or user device. Signal(s) associated with a pager and/or user device may be received. One or more metrics may be determined at least partially based on the received signals. The metric(s) may be monitored. In various implementations, a management system of a location may receive a signal from a pager and/or user device indicating that an event has occurred at the location. A time the signal is received by the management system may be determined. One or more time-related metrics may be determined based at least partially on the received signal, the determined time, or both. | 2014-04-24 |
20140114808 | DISPLAYING A BUY/DOWNLOAD BUTTON BASED ON PURCHASE HISTORY - Methods, systems, computer-readable media, and apparatuses for providing enhanced user interfaces and functionalities for internet radio applications are presented. In some embodiments, a computer system may provide a user interface that includes one or more regions configured to control playback of an internet radio station. The computer system then may determine, based on music purchase history associated with a user account, whether a selected song associated with the internet radio station has been previously purchased. In response to determining that the selected song has not been previously purchased, the computer system may display a user-selectable control that enables the selected song to be purchased. On the other hand, in response to determining that the selected song has been previously purchased, the computer system may display a user-selectable control that enables the selected song to be downloaded. | 2014-04-24 |
20140114809 | Mobile Retail Unit for On-Site Coating Application, Associated Network and Method of Use - A mobile retail unit and associated network and method of use, where the mobile retail unit includes one or more of a customized-tint station and a climate-control system. The mobile retail unit also includes a computer-based system for storing inventory and order information, and which may include a network adapter configured to relay the inventory information and the order information over a wireless network between the computer-based system and a remote network center. | 2014-04-24 |
20140114810 | USER SEGMENTATION FOR LISTINGS IN ONLINE PUBLICATIONS - A method and a system segmenting a user viewing listings in online publications to render the listing according to a rule received from a seller. For example, the system receives one or more listings submitted by a seller. The listing comprises one or more modifiable parameters. The system also receives a rule from the seller, the rule associated with a first listing of the one or more listings. A profile is associated with a user based on data collected about the user. The first listing is rendered to the user based on the profile associated with the user and the rule by modifying the one or more parameters. | 2014-04-24 |
20140114811 | Method and System for Implementing License Filtering in a Digital Delivery System - In an embodiment, a computer-implemented intellectual property exchange module manages a price rules database along with many items of digital content (e.g. documents). The intellectual property exchange module maintains information (e.g., a unique identifiers) about where the digital documents reside anywhere on the World Wide Web and delivers the documents to a consumer by means of a hyperlink. In an embodiment of the present invention, a document identifier database maintains information about where a document may reside. An embodiment of the present invention implements license filtering so as to dynamically filter for pre-existing applicable licenses. For example, license filtering is used to translate the many details of a legal license into concepts that can be implemented in a digital computer. | 2014-04-24 |
20140114812 | VIRTUAL SHELF WITH SINGLE-PRODUCT CHOICE AND AUTOMATIC MULTIPLE-VENDOR SELECTION - A retail front-end experience for the user with a multi-seller back-end. A product is displayed on a webpage, and if the user views it, the software automatically selects at least one best supplier for each item and condition (new, used, etc.) for that user, and then displays the one specific price from only those vendors. The price includes the shipping costs from that vendor's location to the user's location. Thus, the back end is hidden from the user—the user is not forced to choose from a list of vendors. The software selects the best vendor based on a variety of criteria, such as item selection (condition, price and version), the geographic closeness of the vendor (reduced shipping costs and/or reduced shipping speed), the reliability rating of the vendor (responsiveness, product description accuracy, etc.). | 2014-04-24 |
20140114813 | SHARING OF LINKS AMONG SUPPLIERS IN A NETWORK SYSTEM FOR DISTRIBUTING PRODUCTS FROM SUPPLIERS TO CONSUMERS - This invention relates to systems and methods for manufacturers, distributors, and vendors (“suppliers”) that participate in a system and method of distributing products over a network from suppliers to consumers to invite each other to share links on each other's product pages. A supplier may partner with selected suppliers so that only the products of those selected suppliers are included in the cross-traffic ads and offers on its website or product page. | 2014-04-24 |
20140114814 | INVENTORY USE UP ON MATERIAL LOCATION LEVEL - A system determines usage of material inventory stored in different physical locations. Material inventory at the physical locations is determined. Material inventory usage settings of the material inventory at the physical locations are determined. A tree data structure is generated for usage of the material inventory at the physical locations based on the material inventory usage settings. The tree data structure is traversed to locate material inventory from the physical locations to satisfy a material usage request using the material inventory usage settings. Physical locations and corresponding material inventory usage are identified. | 2014-04-24 |
20140114815 | System And Method For Managing And Using A Third Party Subsidy Account - Systems and methods for using a third party subsidy account are disclosed. A method may include (1) using a computer processor, enrolling a subsidy recipient in a subsidy program; (2) using the computer processor, funding a subsidy account for the subsidy recipient with subsidy funds having a first subsidy expiration; (3) using the computer processor, de-funding the subsidy account at the subsidy expiration; and (4) using the computer processor, funding the subsidy account with subsidy funds having a second subsidy expiration. The method may further include (5) using the computer processor, monitoring a use of the subsidy funds; and (6) using the computer processor, providing a notification regarding the subsidy funds to the subsidy recipient. The notification may include a balance of the subsidy funds, an expiration for the subsidy funds, etc. The notification may be a text-based notification, a graphical notification, an audible notification, etc. | 2014-04-24 |
20140114816 | MULTIDIMENSIONAL MEASUREMENT BASIS FOR ACCOUNTING SYSTEMS - Techniques to provide a multi-measurement basis for accounting systems are described. A technique may include receiving data from a source document, documenting the received data as base multidimensional measurements that characterize an event, calculating derived multidimensional measurements that quantify the social, operational, and financial consequences of the event from the base multidimensional measurements. Derived measurements are linked to base measurements in measurement chains. Events that are related causally may be linked together in event chains. The measurement chains and event chains may be used to generate subledger journal entries, which may in turn be used to generate general ledger journal entries. An event may capture information about an event beyond what may be reflected in the source document. Other embodiments are described and claimed. | 2014-04-24 |
20140114817 | SYSTEM AND METHOD FOR APPLYING DIVERSE ACCOUNTING EVENTS TO ACCOUNT BALANCES AND GENERATING FINANCIAL REPORTS - A method and system for processing accounting event data and applying the accounting event data to account balances associated with an entity. The system receives accounting event data from multiple third-party financial institutions and uses processing rules to identify activities associated with each accounting event represented in the accounting event data. An activity describes, among other information, a balance to be adjusted and an amount that it is to be adjusted by. A balance quantifies information related to an entity's finances. A balance is adjusted by applying an activity to the balance, thereby increasing or reducing the balance by a specified amount. The system may generate a financial report by applying a template to financial data, including the activities and balances. | 2014-04-24 |
20140114818 | PROVENANCE TRACKING AND QUALITY ANALYSIS FOR REVENUE ASSET MANAGEMENT DATA - In a recurring revenue management system, a first unit of data and a second unit of data is received. Content is extracted from the first unit of data and the second unit of data based on one or more parameters of a predefined data object that is part of an asset data model. The extracted content is added to an instance of the predefined data object, and a reference tag with identification information for its associated content is associated with the content extracted from each of the first unit of data and the second unit of data. A duplicate data condition can be detected and resolved by applying a predefined approach to conflict resolution based on the identification information in the reference tags of the content of the first unit of data and the second unit of data. Related methods, systems, and computer program products are also described. | 2014-04-24 |
20140114819 | INBOUND AND OUTBOUND DATA HANDLING FOR RECURRING REVENUE ASSET MANAGEMENT - In a recurring revenue management system, it can be determined that a unit of data received at the recurring revenue management system from an external client data system lacks at least one data aspect necessary to create a fully populated instance of the data object. An instance of a skeletal object is created in a repository of the recurring revenue management system, and the instance of the skeletal object is partially populated with at least some data extracted from the received unit of data. The instance of the skeletal object is made available for use in the recurring revenue management system. The instance of the skeletal object is then further populated with additional data extracted from a second unit of data received by the recurring revenue management system. Related methods, systems, and computer program products are also described. | 2014-04-24 |
20140114820 | METHOD AND SYSTEM FOR MANAGING CREDIT DISPUTES ASSOCIATED WITH ACCOUNT PAYABLES OF AN ORGANIZATION - The various embodiments herein provide a method and system for managing credit disputes associated with account payables of an organization. The method comprises of fetching a current version of a variance data from a database, determining whether the variance data matches with a pre-recorded data, creating a claim for a discrepancy in the variance data if the variance data does not match with the pre-recorded data and generating one or more notifications based on the discrepancy. The variance data comprises at least one of purchase order information, invoice information; items received information and payment information. Once the claim has been created the credit that comes back is match to wring every single penny. | 2014-04-24 |
20140114821 | APPARATUS FOR CONSOLIDATING FINANCIAL TRANSACTION INFORMATION - A transaction information consolidating apparatus is disclosed which consolidates cash flow information associated with as many as several hundred thousand transactions per day into data which can be dealt with by a risk management system. A transaction information consolidating apparatus ( | 2014-04-24 |
20140114822 | METHOD AND SYSTEM FOR CREATING TAX CONFIGURATION TEMPLATES - Individuals implementing/using a financial management system are provided the capability to share their customized and regionally optimized tax configurations with other individuals utilizing the financial management system. The customized and regionally optimized tax configurations are provided to other individuals in the form of tax configuration templates optimized and identified for a given region and/or type of business within the identified region. In various embodiments, the tax configuration templates for a given region can then be viewed, selected, and adopted by other individuals using the financial management system. | 2014-04-24 |
20140114823 | DETERMINING LOCAL REGULATORY FILING WORKFLOW THROUGH USER CONTRIBUTION - A method to generate a regulatory filing workflow for a geographical region. The method includes displaying a regulatory filing form to a user in the geographical region, displaying a user attribute list identifying user attributes from the BMAs used by the user, receiving, from the user and in response to displaying the regulatory filing form and the user attribute list, a user input that specifies a rule for determining input data of the regulatory filing form based at least on user attributes, and generating, based at least on the user input, regulatory filing report metadata including a specification for generating a regulatory filing report by completing the regulatory filing form based at least on the rule, where the regulatory filing workflow includes generating and filing the regulatory filing report to satisfy the regulatory requirement specific to the geographical region. | 2014-04-24 |
20140114824 | METHOD AND APPARATUS FOR TIMEKEEPING - For reporting, recording, and/or employee timekeeping, an exemplary time manager interface on a display of a communications device allows an employee to track his or her work time and activities. The time manager interface connects the employee to a central time manager system that tracks and records employee check-in and check-out times. The time manager interface may also permit employees to view their and other schedules. The time manager interface is able to compensate for the time spent initially connecting to the network and launching the interface by recording the network logon time as the check-in time when the difference between the network logon time and the actual reported time is below a predetermined threshold. | 2014-04-24 |
20140114825 | METHODS AND SYSTEMS FOR ROUTING E-INVOICES - Systems, methods, and computer-readable storage media are provided for routing electronic invoices. The computer system is in data communication with a network. The computer system is programmed to receive an electronic invoice in a first electronic invoice format via the network, translate the electronic invoice from the first electronic invoice format to an intermediary electronic invoice format, and identify, using the processor, a second electronic invoice format that is different than the first electronic invoice format. The computer system is further programmed to translate the electronic invoice from the intermediary electronic invoice format to the second electronic invoice format and transmit the electronic invoice in the second electronic invoice format via the network. | 2014-04-24 |
20140114826 | METHOD AND SYSTEM FOR FINANCIAL TRANSACTION PROCESSING - Large volumes of financial transactions are processed today across a variety of financial platforms including but not limited to debit cards, credit cards, prepaid cards, e-purse, Automatic Teller Machine (ATM) transactions, and Point of Sale (POS) cards. It would be beneficial if financial transaction software systems and/or software applications supported discrete and periodic transactions wherein the timescales of transactions may be established with high flexibility. It would be further of benefit if the financial system provided increased security such that customer specific financial data is stored within a trusted platform wherein external databases identifying a customer cannot be linked directly to that within the trusted platform. Further it would beneficial for such a system to exploit an encryption key pool such that an encryption key employed was only identified through a unique identity and that said encryption keys within the pool may be expired with arbitrary policies. | 2014-04-24 |
20140114827 | FEE CHECK SYSTEM AND METHOD - A computer parses a fee list from a patent office website and saves each fee record of the fee list into a data list stored in a database. The computer calculates a first fee of each case in the data list and a second fee of each case in the patent management server. The computer notifies a person in charge of checking fee, in response to a determination that the first fee of the case does not match the second fee of the case. | 2014-04-24 |
20140114828 | SYSTEM AND METHOD FOR PROVIDING REDUNDANT CUSTOMER COMMUNICATIONS DELIVERY USING HYBRID DELIVERY CHANNELS - A system and method for providing redundant customer communications delivery using hybrid delivery channels is provided. In one configuration, the system utilizes an initial delivery channel to send a batch of customer communications and later utilizes a different, delayed backup delivery channel to reseed only a subset of those communications as deemed necessary. | 2014-04-24 |
20140114829 | SYSTEM, METHOD, AND APPARATUS FOR SETTLEMENT FOR PARTICIPATION IN AN ELECTRIC POWER GRID - Systems, methods, and apparatus embodiments for electric power grid and network registration and management of physical and financial settlement for participation of active grid elements in supply and/or curtailment of power, wherein Internet Protocol (IP)-based messages including IP packets are generated by transforming raw data content into settlement grade content. Settlement is provided for grid elements that participate in the electric power grid following initial registration of each grid element with the system, preferably through network-based communication between the grid elements and a coordinator, either in coordination with or outside of an IP-based communications network router. Messaging related to settlement is managed through a network by a Coordinator using IP messaging for communication with the grid elements, with the energy management system (EMS), and with the utilities, market participants, and/or grid operators. | 2014-04-24 |
20140114830 | Visual Depiction of Warnings and Errors - Methods, systems and computer-readable storage media disclosed herein provide visual depictions of warnings and errors. An example method includes detecting, using a computing device, a change in a design of a trading algorithm. The trading algorithm is defined by a user-specified arrangement of blocks representing trading functionality. The example method includes determining, using the computing device, whether the trading algorithm complies with a trading algorithm rule. The example method includes facilitating, using the computing device, at least one of warning handling or error handling when the trading algorithm does not comply with the trading algorithm rule. Facilitating warning handling or error handling includes displaying a warning or an error to the user in connection with the trading algorithm before the trading algorithm is available for execution. | 2014-04-24 |
20140114831 | System for Trading Electronic Traded Properties - A programmed computer for facilitating trades of electronic traded properties (ETP) including a memory and a processor executing program code stored in the memory. The program code includes code for receiving a number of shares and rentable building area for an ETP, code for generating an indifference factor for the ETP based on the number of shares and the rentable building area, code for receiving and displaying in real time a price expressed in price per share for the ETP, and code for generating and displaying in real time a price expressed in price per square foot based on the price expressed in price per share and the indifference factor. | 2014-04-24 |
20140114832 | MULTI-BROKERAGE ACCOUNT MANAGEMENT SYSTEM - A system for managing multi brokerage accounts that allows aggregation among the various accounts of holdings of one or more securities, timing and delivery of cash or securities, cash flow, profit and loss across the accounts, and post-fact tracking of trading strategies. The system accepts inputs and delivers updates based on assumptions of an implemented trading strategy across accounts. | 2014-04-24 |
20140114833 | Method to Reach Renewable Generation Policy Goals Through the Creation of a Renewable Generation Electricity Market - A method of securing capital for use in utility and municipal services facilities, comprising: issuing a bond, wherein the bond comprise a contract for the future sale of utility services at fixed criteria and the utility service is sold to the bond issuer over a fixed time period, the time period having a future start date and future end date for which the utility service is supplied; then selling the bond to an investor, wherein the bond issuer receives funds from the sale of the bond; and transferring the bond via a financial market exchange. | 2014-04-24 |
20140114834 | SYSTEMS AND METHODS FOR THE IDENTIFICATION AND MESSAGING OF TRADING PARTIES - According to some embodiments, systems, methods, computer program code, and means are provided to receive a broadcast request and a message from a first mobile device where the first mobile device is associated with a first user, compare information in the message to information in a preferences database to match the message with at least a first recipient of the message, and to transmit the message to a second mobile device associated with at least the first recipient. | 2014-04-24 |
20140114835 | SYSTEMS AND METHODS FOR PROVIDING ENHANCED VOLUME-WEIGHTED AVERAGE PRICE TRADING - Systems and methods for providing trading using an eVWAP price in an illiquid market are provided. In an illiquid market there may be little or no actual trades. During a trading period, the eVWAP price is therefore determined from not only trades, but also unmatched bids and offers. The eVWAP price is determined when new information becomes available or at a specified time interval. The final eVWAP price is determined when the sampling period ends. Once the final eVWAP price is determined, the value of the final eVWAP price is published for use as a price to settle a contract. | 2014-04-24 |
20140114836 | METHOD OF COMPUTERIZED MONITORING OF INVESTMENT TRADING AND ASSOCIATED SYSTEM - A method of computerized monitoring of investment trading includes providing historic trading data for a specific trader, selecting a plurality of trading parameters for the specific trader and obtaining current information regarding the selected parameters, and/or providing historic trading data and applying rules to the current information and/or historic trading data to determine if behavior of interest which may involve a rules violation, a departure from the rules which is not technically a violation or a potential departure from the rules which might make desirable further investigation has occurred. The system may be employed to monitor whether market timing of mutual fund investments has occurred. A corresponding computerized system is disclosed. | 2014-04-24 |
20140114837 | Systems And Methods For Automated Tenant Screening From Rental Listing Ad - Systems and methods for automated tenant screening from a rental listing ad preferably includes a combination of structure and/or function whereby an internet server has an interface to receive information from and to provide information to (i) an on-line tenant server and (ii) an on-line third party tenant screening server. A memory stores details of at least one rental property. At least one processor is configured to (i) provide to the on-line tenant server one or more web pages showing the stored details of the at least one rental property, in response to an inquiry from the on-line tenant server, (ii) receive from the on-line tenant server a screening request in response to a tenant request made through the one or more web pages, (iii) provide the tenant screening request to the third party tenant screening server, (iv) receive from the third party tenant screening server a screening-result, (v) provide to the tenant server the screening-result through the one or more web pages, and (vi) accept through the one or more web pages a tenant rental application corresponding to the stored details of the at least one rental property. | 2014-04-24 |
20140114838 | FINANCE UTILITY SYSTEM AND METHOD - A method of tracking loans on behalf of a client of a financial services provider is implemented in a system comprising processor(s) configured to execute program module(s). The method includes storing, in a database, first loan data being received from the client and comprising custodian information identifying custodian(s) associated with a loan of the client, receiving a request from the client to reconcile loan data as of a designated date, and storing, in the database, second loan data being received from the custodian(s) and identifying loan(s) associated with the client and the designated date. The method also includes comparing the first and second loan data, and identifying any discrepancies from the comparing. The method further includes transmitting, in a format configured for displaying on an electronic display of one or more of the client and custodian(s), one or more of a result of the comparing and an identified discrepancy. | 2014-04-24 |
20140114839 | SYSTEM AND METHOD FOR ENHANCING CREDIT AND DEBT COLLECTION - A system and method for enhancing assignment of debtor accounts to a plurality of collection parties is presented. The preferred embodiment is capable of optimizing the way by which individual performance entities are assigned to collect on actionable individual debtor accounts by a creditor. An analysis solution uses algorithms to analyze gathered data and to provide a score to each collection party based upon the traits of the individual collection parties, debtor accounts, creditor, externally acquired data, and constraints upon all of the parties involved. The system and method are also capable of enhancing an individual borrower's credit score depending on the risk involved with providing credit to that particular borrower based upon the collectability upon default. One embodiment of the invention would include a risk analysis and compliance assessment system for supply entities to evaluate potential performance entities or other entities. | 2014-04-24 |
20140114840 | AUTOMATED FRAUD DETECTION - A system includes a transaction server configured to receive and process retail transactions. A fraud detection server is in communication with the transaction server and is configured to generate a plurality of fraud models from a first subset of the retail transactions. Each fraud model represents a potentially fraudulent transaction. The fraud detection server further predicts an effectiveness of each of the plurality of fraud models to identify potentially fraudulent transactions, selects the fraud model based at least in part on the predicted effectiveness based on the first subset of the retail transactions, and transmits the selected fraud model to the transaction server. The transaction server is configured to apply the selected fraud model to at least a second subset of the retail transactions to identify potentially fraudulent transactions. | 2014-04-24 |
20140114841 | Monitoring Flows in an Evolving Transaction Network Using Dynamic Rules - Methods and arrangements for monitoring and flagging distinct flows in an evolving network. There is identified a locality comprising at least two nodes in a graph of nodes and edges, wherein the edges represent interactions between nodes. At least one target source-destination node pair is identified in the locality for monitoring, and at least one monitoring rule is generated. An interaction is flagged upon a detected violation of at least one monitoring rule, and there is updated, in response to the detected rule violation, at least one of: the identified locality; the at least one target source-destination pair; and the at least one monitoring rule. | 2014-04-24 |
20140114842 | GIFT CARD CLEARING HOUSE - Embodiments of the invention are directed to systems, methods and computer program products for processing a gift card upon association of a gift card with an account. An exemplary apparatus is configured to: receive information associated with a gift card, the gift card associated with a merchant; associate the gift card with the account; transmit funds to an entity, the amount of funds being less than or equal to a face value of the gift card; and receive custody of funds associated with the gift card. | 2014-04-24 |
20140114843 | METHOD FOR DETECTING FRAUDULENT MONEY TRANSFER - A method detects fraudulent transaction of money transfer to a mule account, according to which a detection software module is injected into a browser or a website to be protected. The detection module traces the content and the activities performed on a webpage of the website and detects any exceptional activity/condition which may be fraudulent online activity performed by malware and waits until all sensitive data to perform a fraud transaction is entered. Then the detection module stores and/or forwards the details of the mule account that has been used for the fraudulent transaction. | 2014-04-24 |
20140114844 | SYSTEM, METHOD, AND APPARATUS FOR SETTLEMENT FOR PARTICIPATION IN AN ELECTRIC POWER GRID - Systems, methods, and apparatus embodiments for electric power grid and network registration and management of physical and financial settlement for participation of active grid elements in supply and/or curtailment of power. Settlement is provided for grid elements that participate in the electric power grid following initial registration of each grid element with the system, preferably through network-based communication between the grid elements and a coordinator, either in coordination with or outside of an IP-based communications network router. A multiplicity of active grid elements function in the grid for supply capacity, supply and/or load curtailment as supply or capacity, and are compensated through settlement for their functional participation in the electric power grid. Also, messaging related to settlement is managed through a network by a Coordinator using IP messaging for communication with the grid elements, with the energy management system (EMS), and with the utilities, market participants, and/or grid operators. | 2014-04-24 |
20140114845 | THREE-DIMENSIONAL VIRTUAL ENVIRONMENT - Systems and methods of rendering a three-dimensional (3D) virtual environment rendering are disclosed. The system comprises a central processing device, a plurality of user devices in data communication with the central processing device, a plurality of application servers in data communication with the central processing device, and software executing on the central processor. The software creates and renders a 3D virtual environment, receives user data from each of the plurality of user devices, renders the user data received from each of the user devices in the 3D virtual environment, receives application data from each of the application servers, renders the application data received from each of the application servers in the 3D virtual environment, and outputs the rendered 3D virtual environment to each of the user devices. The 3D virtual environment serves as a direct user interface with the Internet by allowing users to visually navigate the world wide web. | 2014-04-24 |
20140114846 | TRANSACTION SYSTEM AND METHOD FOR USE WITH A MOBILE DEVICE - A transaction system constituted of: a mobile device comprising a display; a transaction server; and a communication network arranged to provide communication between the mobile device and the transaction server, wherein the mobile device is arranged to transmit identification information to the transaction server via the communication network, and wherein the transaction server is arranged to: identify the mobile device responsive to the mobile device transmitted identification information; associate the identified mobile device with a particular access point; transmit, via the communication network, trans action information to the mobile device, the transmitted transaction information responsive to the associated particular access point, wherein the mobile device is arranged to output onto the display information responsive to the transmitted transaction information. | 2014-04-24 |
20140114847 | INFORMATION PROCESSING APPARATUS, INFORMATION PROCESSING METHOD, INFORMATION PROCESSING PROGRAM, RECORDING MEDIUM HAVING STORED THEREIN INFORMATION PROCESSING PROGRAM - Provided are an information processing apparatus, an information processing method, an information processing program, and a recording medium having stored therein the information processing program, which can reduce time and effort necessary for a user to find his desired review information. The information processing apparatus searches transaction targets, based on a search condition used for searching transaction targets designated by a user, and acquires review information regarding each of the searched transaction targets. The information processing apparatus determines a display priority order of the review information regarding the transaction targets with respect to each of the searched transaction targets, based on the search condition, and displays at least one piece of the review information regarding each of the transaction targets on a display screen, based on the display priority order. | 2014-04-24 |
20140114848 | MERCHANT DATA CLEANSING IN CLEARING RECORD - A network operator intermediates a cashless transaction by sending a payment device issuer an outbound clearing data file enriched with cleansed merchant data. Issuers that choose to participate in the merchant data cleansing service will be provided with the cleansed, and optionally augmented, merchant information. Providing this data to the issuer could be used to help reduce costs associated with “do not recognize” calls by cardholders, disputed charges, and charge-backs. With cleansed data provided in the clearing record, a device holder would be given access to this cleansed information about the merchant where a transaction took place through their statement. The present disclosure also provides for augmenting the clearing record data to include merchant-specific add-on and/or aggregate data not presently included in the transaction clearing record, yet useful to the issuer both in form and content. | 2014-04-24 |
20140114849 | SYSTEM, METHOD, AND APPARATUS FOR SETTLEMENT FOR PARTICIPATION IN AN ELECTRIC POWER GRID - Systems, methods, and apparatus embodiments for electric power grid and network registration and management of physical and financial settlement for participation of active grid elements in supply and/or curtailment of power. Settlement is provided for grid elements that participate in the electric power grid following initial registration of each grid element with the system, preferably through network-based communication between the grid elements and a coordinator, either in coordination with or outside of an IP-based communications network router. A multiplicity of active grid elements function in the grid for supply capacity, supply and/or load curtailment as supply or capacity, and are compensated through settlement for their functional participation in the electric power grid. Also, messaging related to settlement is managed through a network by a Coordinator using IP messaging for communication with the grid elements, with the energy management system (EMS), and with the utilities, market participants, and/or grid operators. | 2014-04-24 |
20140114850 | SYSTEM, METHOD, AND APPARATUS FOR SETTLEMENT FOR PARTICIPATION IN AN ELECTRIC POWER GRID - Systems, methods, and apparatus embodiments for electric power grid and network registration and management of physical and financial settlement for participation of active grid elements in supply and/or curtailment of power. Settlement is provided for grid elements that participate in the electric power grid following initial registration of each grid element with the system, preferably through network-based communication between the grid elements and a coordinator, either in coordination with or outside of an IP-based communications network router. A multiplicity of active grid elements function in the grid for supply capacity, supply and/or load curtailment as supply or capacity, and are compensated through settlement for their functional participation in the electric power grid. Also, messaging related to settlement is managed through a network by a Coordinator using IP messaging for communication with the grid elements, with the energy management system (EMS), and with the utilities, market participants, and/or grid operators. | 2014-04-24 |
20140114851 | Systems and Methods for Processing a Payment Coupon Image - Embodiments of the invention may provide systems and methods for processing a payment coupon image. In one embodiment, a method includes receiving an image representing a payment coupon from a payer, determining an identity of a biller associated with the payment coupon based at least in part on information displayed by the image, and extracting data from the image based at least in part on payment coupon metadata associated with the biller indicating a layout of the payment coupon. The method may further include performing at least one of: (a) processing a payment associated with the payment coupon to the biller based at least in part on the data extracted from the image; (b) adding the biller to a list of billers for a payer associated with the payment coupon; or (c) activating the biller as an electronic biller for the payer associated with the payment coupon. | 2014-04-24 |
20140114852 | INSTANT CLEARING AND SETTLEMENT FOR PAYMENT TRANSACTIONS - A method to perform a payment comprises receiving a request from a payer to pay a payee, wherein the request comprises a payer account ID and a payee account ID; receiving, based on the payer account ID, a reservation confirmation that a payment amount is reserved from the payer's payment account; retrieving, based on the payee account ID, a receiving clearing account (RCA) ID identifying an RCA held at the payee financial institution; and initiating, by a computer processor and in response to the reservation confirmation, a settlement process comprising: transferring the payment amount from the RCA to the payee's payment account using a payee electronic funds transfer (EFT) capability of the payee's financial institution within a single business day of receiving the request by the payment service provider; and debiting the payment amount from the payer's payment account to reimburse the RCA. | 2014-04-24 |
20140114853 | Online payment system and method according to the mirror authorization server principle - A system and method for online payments over the Internet, able to handle several transactions coming from various participants and contributing to a single payment on a merchant's bank account. In many cases, the modifications designed to make a merchant server capable of managing transactions from several participants contributing to a single payment are difficult, even impossible, to carry out since the server's architecture is imposed by the structure of the e-commerce platform used. A server ( | 2014-04-24 |
20140114854 | FUNDING A RADIO FREQUENCY DEVICE TRANSACTION - A transponder-reader payment system includes an RFID reader for interrogating a transponder and an RFID transponder device. The RFID reader receives, from the RFID transponder device, a code that is associated with a first funding source and a second funding source. The RFID reader communicates a request associated with a transaction to a payment processor. The request includes the code and the transaction is funded using the first funding source and the second funding source associated with the code. In one embodiment, the transaction is funded according to a funding account protocol associated with the code. | 2014-04-24 |
20140114855 | SYSTEMS AND METHODS FOR SECURE MOBILE PAYMENTS - Systems and methods are provided that enable purchase and adjustment transactions using a visual indicium displayed on a mobile device. In some embodiments, these indicia are in the form of bar codes, include alias information, and do not include an account number associated with a payment account. A mobile device receives first user input, displays the indicium to a merchant device. The merchant device scans the indicium and sends a transaction request including the alias information to a payment network. The payment network determines an appropriate financial institution for processing the transaction, and sends the transaction request to the appropriate financial institution. Based on the result, the payment network sends an approval to the merchant device. Additionally, a mobile processor system sends new alias information to the mobile device for use in a next transaction. | 2014-04-24 |
20140114856 | SYSTEM FOR PERFORMING PAYMENT IN MOBILE TERMINAL - Disclosed are a system for performing payment, and a recording medium storing a program source for the method. The method employed by a first terminal enables a second terminal to perform payment for a product purchase using one or more pieces of financial account information accessible by the first terminal by: transmitting the one or more pieces of financial account information to the second terminal using an NFC connection; generating a registration request message comprising a request for registration of the second terminal associated with the transmitted financial account information enabling the second terminal to perform the payment by using the transmitted financial account information; and transmitting the registration request message to a financial organization server, the financial organization server being associated with the transmitted financial account information. | 2014-04-24 |
20140114857 | TRANSACTION INITIATION DETERMINATION SYSTEM UTILIZING TRANSACTION DATA ELEMENTS - Embodiments of the invention directed to systems and methods that allow for determining a transaction initiation mode used to conduct a transaction and applying a specific set of rules associated with the transaction initiation mode to the transaction. A transaction authorization request message is received at a server computer. The transaction authorization message is for a transaction between a consumer and a merchant and includes a plurality of data elements. The server computer determines a transaction initiation mode, from among at least three different transaction initiation modes, used to conduct the transaction based at least in part on the data elements. The server computer applies a specific set of rules associated with the transaction initiation mode to the transaction. | 2014-04-24 |
20140114858 | METHOD AND APPARATUS FOR CONTACTLESS PAYMENT AUTHENTICATION - The present disclosure relates generally to the authentication of contactless payments attempted by a device having embedded contactless payment functionality. In particular, the disclosure is directed to systems and methods that utilize authentication schemes that already exist on a device in which the contactless payment functionality is embedded. One example of such authentication schemes is the use of password protection to lock or unlock the device in which the contactless payment functionality is embedded. Using the password protection functionality may provide varying levels of authentication protection based on the desires of the user. A number of exemplary uses of such a method and apparatus are disclosed herein. | 2014-04-24 |
20140114859 | ENCRYPTED E-COMMERCE PRODUCT - A system for conducting a financial transaction in e-commerce on the internet includes objects prepared by a seller and a buyer. The seller's object includes a clear text header file (advertisement), an encrypted overhead file which contains verification data pertaining to the financial transaction, and an encrypted content file containing the subject matter for sale by the seller. With a purchase solicitation from the buyer, an overhead key can be used by a transaction agency to ensure there is a compliance between the purchase solicitation and the verification data of the overhead (from seller's object). Next a revelation key is provided to give the buyer access to the content when such compliance has been ensured. | 2014-04-24 |
20140114860 | Systems and Methods for Expedited Automated Merchant Boarding - An expedited automated merchant boarding system in association with a distributed enhanced payment processing system includes a merchant point of sale (POS) terminal system and a remote enhanced payment management system (EPMS). The remote EPMS pre-boards anticipated POS terminal system components and records pre-boarding results information. The POS terminal system initiates merchant boarding by transmitting merchant account information. The remote EPMS receives merchant account information and establishes a merchant account. The POS terminal system utilizes protocol transactions including auto-boarding information to initiate auto-boarding with the remote EPMS. The remote EPMS auto-boards the POS terminal system utilizing received auto-boarding information and recorded pre-boarding results. The remote EPMS turns up selected payment management services for the merchant POS terminal system. The POS terminal system utilizes payment transactions to conduct validation of successful interoperation with the remote EPMS. The remote EPMS enables utilization of selected payment management services by the POS terminal system. | 2014-04-24 |
20140114861 | HAND-HELD SELF-PROVISIONED PIN PED COMMUNICATOR - A device for storing and transmitting information stored data cards preferably includes a case, a central processing unit (CPU), an operating system, a keypad, a screen display, a secure memory device and a transmission element. A PIN must be entered through the keyboard to operate the electronic card device. The PIN is stored in the secure memory device, Data cards may be entered through a card swipe, a global platform smart card device, a NUMI Key system and manual entry. The transmission element includes a programmable magnetic stripe. The programmable magnetic stripe is programmed to replicate the data on a magnetic stripe of a card. A programmable magnetic stripe is readable by a card transaction device. The operating system displays the cards retained in the memory device through the screen display. The electronic card device preferably includes a global platform smart card device for reading and writing NFC data. Inputs and presentments are performed primarily by end user self-provisioning. | 2014-04-24 |
20140114862 | SYSTEM AND METHOD FOR A CONSUMER TO MERCHANT NEGOTIATION - A system and method for a consumer-to-merchant electronic negotiation is provided. The method includes receiving a time-limited initial binding offer from a consumer device for purchasing at least one product of choice from at least one merchant of choice responsive to the at least one product displayed on the consumer device and being offered for sale, wherein the initial binding offer includes at least an offered price for the product of choice, the product of choice, and the at least one merchant of choice, further wherein the initial offer expires after a predefined timeframe; determining whether the initial binding offer received from the consumer device is a valid offer for the product of choice; analyzing the initial binding offer using at least one first preconfigured rule received from the merchant device; and generating a time-limited merchant response respective to the analysis of the initial binding offer. | 2014-04-24 |
20140114863 | PROJECT PLAN GENERATION FROM AN INFORMATION ARCHITECTURE MODEL - Provided are a computer implemented method, computer program product, and system for generating a project plan by creating an association between a development method in a hierarchy of development methods and an architectural element in a hierarchy of architectural elements in a computer-based model of a system, and providing a computer-based user interface configured to facilitate navigation between the development method and the associated architectural element. | 2014-04-24 |
20140114864 | CASE MANAGEMENT INTEGRATION WITH EXTERNAL CONTENT REPOSITORIES - A case creation event originating from an external content repository is detected by a processor executing an inbound event handler of a distributed integration framework that integrates a case management system with the external content repository. The case creation event is configured by the distributed integration framework to cause creation of a case within the case management system. The inbound event handler instructs the case management system to create the case within the case management system. An outbound event handler of the distributed integration framework instructs the external content repository to create a proxy case to remotely represent the case created within the case management system. | 2014-04-24 |
20140114865 | CASE MANAGEMENT INTEGRATION WITH EXTERNAL CONTENT REPOSITORIES - A case creation event originating from an external content repository is detected by a processor executing an inbound event handler of a distributed integration framework that integrates a case management system with the external content repository. The case creation event is configured by the distributed integration framework to cause creation of a case within the case management system. The inbound event handler instructs the case management system to create the case within the case management system. An outbound event handler of the distributed integration framework instructs the external content repository to create a proxy case to remotely represent the case created within the case management system. | 2014-04-24 |
20140114866 | AUTOMOBILE SHARING BY USERS OF A NEIGHBORHOOD SOCIAL NETWORK USING A RADIAL ALGORITHM - Disclosed are a method, a device and a system of automotive sharing by users of a neighborhood social network using a radial algorithm. In one embodiment, the automotive listing broadcast data is radially distributed as a notification data through an on-page posting, an electronic communication, and/or a push notification delivered to (1) a set of recipients | 2014-04-24 |
20140114867 | SYSTEM FOR PROVIDING ACTIONS TO REDUCE A CARBON FOOTPRINT - A system is described for aiding a user in reducing a carbon footprint. The system includes a processor to process inputted energy use information, where the energy use information is specific to the user. The processor determines an outputted emission data in accordance with the inputted energy use information. A screenshot displays the outputted emission data, wherein the emission data includes a custom action for reducing the carbon footprint. | 2014-04-24 |
20140114868 | METHODS AND SYSTEMS FOR EFFICIENT RECYCLING PICK UP SERVICES - Methods and systems for collecting recyclables for recycling are disclosed. A collector may receive a collection request for recyclables for a consumer having an associated recycling account. The recycling account may include an address for the consumer. A determination as to whether an agent for the collector is within a threshold distance of the address may be made. The collector may fulfill the collection request in response to the agent for the collector being within the threshold distance of the address. | 2014-04-24 |
20140114869 | SYSTEM FOR PROVIDING AUTHORING SERVICE AND USER TERMINAL FOR PROVIDING AUTHORING SERVICE - An authoring service system which includes an authoring service controller providing an authoring tool to a user terminal and receiving self-made digital content generated using the authoring tool from the user terminal, a license manager managing license information for each digital content and registering the license information related to the self-made digital content based on information received from the user terminal, and a content provisioner providing the self-made digital content based the license information. In this case, the authoring service system may provide an authoring service by linking to an in-app module installed in the user terminal. In addition, the authoring service system may provide a resale service for the self-made digital content by managing a license. | 2014-04-24 |
20140114870 | SYSTEM AND METHOD FOR ONLINE CAREER DEVELOPMENT - Systems and methods of online career development are described. According to one embodiment, an online career fair is provided where companies can conduct interviews with applicants, such as students, online. For example, companies can host round-robin style video interviews with applicants. Applicants will be able to log in to a host website with a time ticket and interview with companies immediately, or queue up in a line to wait for an interview slot. These interviews may be full interviews, or quick, one-the-go style interviews. Companies have access to the applicants they want, for example, from the universities they choose and the GPAs they mandate. After a preregistration and preapproval process, the career fair launches for a designated time, giving companies and applicants ample opportunity to conduct interviews | 2014-04-24 |
20140114871 | RE-ENGINEERING USER LOGIN / REGISTRATION PROCESS FOR JOB APPLICATIONS - An on-line job application process that encourages participants to provide as much information as possible before drop-offs occur, by requesting access to authentication information such as social network identity, and moving an Applicant Tracking System login step to near the end. If a drop off does occur, a dummy email address can then be associated with the user to enable subsequent follow up. | 2014-04-24 |
20140114872 | SYSTEM AND METHOD FOR MANAGING VOLUNTARY EMPLOYEE BENEFIT PLANS - According to some embodiments, a system may receive, from an employee, a request to access a voluntary employee benefit portal. The system may determine an employer associated with the employee and access information about a set of voluntary employee benefit plans associated with determined employer. Information associated with the voluntary employee benefit portal may then be transmitted, and the transmitted information may be customized based at least in part on the information about the set of voluntary employee benefit plans associated with the determined employer. | 2014-04-24 |
20140114873 | COMPREHENSIVE EMPLOYEE LEAVE MANAGEMENT SYSTEM - The invention relates, in various aspects, to systems, methods, and computer readable media suited for managing employee leave. A processor is configured to receive, from a user-accessible device, via a computer communications network, data relating to at least one claim for a first type of employee leave and also receive data to initiate at least one claim for a second type of employee leave. Thereupon, the data corresponding to the first type of employee leave and the data corresponding to the second type of employee leave are combined and reconciled. There is facilitated a determination of at least one modified leave parameter based on the combined and reconciled data, and the at least one modified leave parameter is stored in a memory storage device. | 2014-04-24 |
20140114874 | SYSTEM AND METHOD FOR PROCESSING DATA RELATING TO EMPLOYEE LEAVE - A computer system and computer-implemented method are provided for management of employee leave and absence policies. The system is configured to receive data related to an employee leave claim at a single point of contact. The single point of contact may be implemented as a single address for leave issues related to any type of leave, including for example for employment-related injuries compensated through workers compensation, short term disability, long-term disability, and other types of leave. The system may be configured to provide prompts to a user for claims relating to multiple types of leave. The system may be configured to furnish data to separate computer systems for administration of multiple types of leave. The system may be configured to provide communications related to employee leave claims between separate computer systems responsive to receipt of data from one or more of the computer systems. | 2014-04-24 |
20140114875 | METHODS AND SYSTEMS FOR THE SECURE SALE OF TANGIBLE GOODS - These inventions relate generally to methods and systems for consummating asynchronous transactions between users. An “asynchronous transaction” is a transaction that involves an exchange of goods which does not require the seller, on the one hand, and the purchaser or renter, on the other hand, to schedule a time to meet to physically transfer the item to be delivered. The disclosed systems include an automated storage device in communication with a central server, the automated storage device comprising a plurality of locked storage compartments. A seller may deposit an item in a locked storage compartment for a purchaser or renter to pick up at a later time. The disclosure also includes methods to authenticate the seller and the purchaser or renter prior to granting access to the locked storage compartment, as well as methods to resolve disputes that may arise between the seller and the purchaser or renter. | 2014-04-24 |
20140114876 | SYSTEMS AND METHODS FOR OBTAINING AND UTILIZING ONLINE CUSTOMER SERVICE REVIEWS OF INDIVIDUAL EMPLOYEES - Systems and methods are provided for obtaining and utilizing online customer service reviews for an individual employee of a service provider such as a business. When a customer receives service from a service provider or business with at least one employee that provided the service, the customer is asked to create an online review for the individual employee which provided the service as opposed to the company in general. The individual employee and service provider in the review are identified and matched with the correct service provider and employee, after which the review is transmitted to the service provider and employee. The reviews may be aggregated into individual profiles for each employee, which can be displayed on the business website or an employee profile website to advertise the employee's customer service. The employee profiles can also be used to award and incentivize each employee to provide better customer service. | 2014-04-24 |
20140114877 | SYSTEMS AND METHODS FOR AUTHENTICATING ONLINE CUSTOMER SERVICE REVIEWS - Systems and methods are provided for authenticating online customer service reviews using unique customer identifiers such as payment data and location data. A customer authentication process is performed before or after a customer who obtains a service from a particular employee of a service provider is asked to complete a review of the employee to verify that the customer completing the review is the customer that received the service from the employee. A payment-based authentication process will check the payment information to determine if the customer's payment information matches their customer review profile, while a location-based authentication process will determine whether the user's mobile device is in the location where the service was performed. Once the authentication process verifies that the customer creating the review, the resulting online customer service review can be identified as an authentic customer review of the service provider, employee and the service. | 2014-04-24 |
20140114878 | MOBILE MEETING PROCESSING - A system aggregates data that may be used during the course of a scheduled meeting and allows for the customization of the data for presentation during the scheduled meeting. The system communicates the customized data to meeting participants for discussion and review. The system also accepts inputs during the meeting that define additional meeting information such as bookmarked pages and views that were reviewed during the meeting. The inputs may further define notes reflecting discussions held during the meeting. The system stores information reflecting the bookmarks and notes that were made during the meeting. After the meeting has concluded, the data that was presented during the meeting as well as the bookmarks and notes that were presented during the meeting may be reviewed and selected for inclusion in an electronic document. The document may then be electronically communicated to the participants in the meeting for reference at a later time. | 2014-04-24 |
20140114879 | SYSTEMS AND METHODS FOR PROVIDING INVESTING OPPORTUNITIES - The present invention is directed toward systems and methods for providing investment opportunities to a communication device carried by a user. The method is implemented by a computer-implemented system in communication with the communication device via a communication network. The systems and methods include collecting location information and/or receiving graphical images from the user, identifying investment options corresponding to the collected location information or the received graphical images, providing the identified investment options to the communication device carried by the user, and enabling the user to invest in the identified investment options for their investment related needs by providing an investment platform capable of being used by the user for transacting in stocks related to the investment options. | 2014-04-24 |
20140114880 | Computer Implemented Method for Estimating Age-Period-Cohort Models on Account-Level Data - A computer-implemented method and invention for calculating a loan-level model with the age, period, and cohort functions found in the structure of an Age-Period-Cohort models. The invention uses one observation per account per time period, processed with a uniquely structured set of basis functions, so that the model may be estimated with either Generalized Linear Models (GLM) or Generalized Linear Mixed Models (GLMM). The model created by the invention may be used for account-level forecasting or stress testing of the defined performance variable if the historic extrapolation of the period function is detrended, the age and cohort functions are re-estimated appropriately, and a suitable scenario for the future of the period function. Scores may also be created by combining traditional scoring inputs with an account-level offset computed as the sum of the age and period functions at each time point. | 2014-04-24 |
20140114881 | Systems and Methods for Portfolio Analysis - In one aspect, the invention comprises a computer-implemented method comprising: (i) electronically receiving data describing one or more risk factors driving volatility of each of a plurality of securities comprised in a specified portfolio; (ii) for each of the plurality of securities, categorizing each of the risk factors as a random variable and identifying a distribution that best fits each risk factor's historical behavior; and generating a return distribution for the security, based on the best fit distributions; and (iii) aggregating the security return distributions to generate a return distribution for in the specified portfolio. Other aspects and embodiments comprise analogous software and computer systems. | 2014-04-24 |
20140114882 | SYSTEM AND METHOD FOR ADVANCED RETIREMENT PLANNING - A system and method to assist financial advisors in running different scenarios to help the client determine when and how to take their Social Security benefits, integrating the potential complexities of spousal and survivorship considerations and strategies, as well as overarching retirement income considerations, into the decision making framework. | 2014-04-24 |
20140114883 | ADAPTIVE CLOSED LOOP INVESTMENT DECISION ENGINE - An adaptive closed loop decision engine outputs actionable alerts regarding asset holdings and allocations to reduce investment volatility and improve returns over market and sector cycles without unnecessary trading activity. The decision engine performs a statistical analysis on pricing trends that generates threshold decision points for investing in or avoiding assets and for determining asset allocation weightings within a portfolio. | 2014-04-24 |
20140114884 | System and Method for Providing Wardrobe Assistance - A system and method for suggesting clothing options based on one or more of weather, geographic location, social network friend suggestions, community suggestions, user's wardrobe, and event or dress code is provided. The system and method is preferably implemented by a web based social network community and website. Furthermore, the system and method can assist is shopping an trading of wardrobe items. | 2014-04-24 |
20140114885 | URBAN TRAFFIC STATE DETECTION BASED ON SUPPORT VECTOR MACHINE AND MULTILAYER PERCEPTRON - A system and method that facilitates urban traffic state detection based on support vector machine (SVM) and multilayer perceptron (MLP) classifiers is provided. Moreover, the SVM and MLP classifiers are fused into a cascaded two-tier classifier that improves the accuracy of the traffic state classification. To further improve the accuracy, the cascaded two-tier classifier (e.g., MLP-SVM), a single SVM classifier and a single MLP classifier are fused to determine a final decision for a traffic state. In addition, fusion strategies are employed during training and implementation phases to compensate for data acquisition and classification errors caused by noise and/or outliers. | 2014-04-24 |
20140114886 | SYSTEM AND METHOD FOR AN INTERACTIVE QUERY UTILIZING A SIMULATED PERSONALITY - A system and method provides for an interactive query comprising a first input module capable of receiving input for creating a simulated personality for a first user. An expert system is capable of creating and storing the simulated personality. An output module is used for presenting the simulated personality to a second user. An interactive query module is capable of allowing the second user to communicate with the simulated personality of the first user. | 2014-04-24 |
20140114887 | HIGH PERFORMANCE INTERCONNECT PHYSICAL LAYER - A set of training sequences is generated, each training sequence to include a respective training sequence header, and the training sequence header is to be DC-balanced over the set of training sequences. The set of training sequences can be combined with electric ordered sets to form supersequences for use in such tasks as link adaptation, link state transitions, byte lock, deskew, and other tasks. | 2014-04-24 |
20140114888 | INFORMATION PROCESSING APPARATUS, INFORMATION PROCESSING METHOD, AND PROGRAM - There is provided an information processing apparatus including a manipulation model learning unit configured to learn a manipulation model regarding manipulation of a first object by a second object, by use of an actual image that is an actually observed image including the first object and the second object, the manipulation model associating a position and a change in state of the second object, when a state of the second object changes at a position in an object reference coordinate system with the first object regarded as a reference, with a change in state of the first object caused by the change in state of the second object. | 2014-04-24 |