| 19th week of 2014 patent applcation highlights part 61 |
| Patent application number | Title | Published |
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| 20140129369 | SYSTEM FOR CUSTOMIZING INFORMATION IN AN E-PROCUREMENT PROCESS - A system for customizing information in e-procurement process, including a selecting system adapted for selecting item(s) to be procured from catalog database, which further includes a suggesting system adapted for suggesting if the item being selected by the user is a custom made item and providing a link or button for customization for the custom made item, and a customization system adapted for customizing information in the e-procurement process by generating a category-specific web-based form based at least upon one or more pre-configured decision rules. The system helps to order custom required goods, which aids in providing custom requirements and specifications through web-based forms at the time of ordering and thus avoids mentioning of custom requirements each and every time when the item is ordered. | 2014-05-08 |
| 20140129370 | Chroma Key System and Method for Facilitating Social E-Commerce - A software application providing a social, interactive panoramic shopping experience from pictures along with being able to reconfigure parts of the image based on a chroma key color. | 2014-05-08 |
| 20140129371 | SYSTEMS AND METHODS FOR PROVIDING ENHANCED NEURAL NETWORK GENESIS AND RECOMMENDATIONS - In selected embodiments a recommendation generator builds a network of interrelationships between venues, reviewers and users based on their attributes and reviewer and user reviews of the venues which are enhanced by dynamic resonance between source sites. The recommendation engine in certain embodiments determines recommended venues based on user attributes and venue preferences by performing geometric contextualization on generated recommendation sets and determining recommendation resonance with past recommendations. Remote businesses may also link with the recommendation generator to receive recommendations custom-tailored to their business. In selected embodiments, interconnectivity augmentation provides for enhanced neural network topology and recommendations for foreign locales. Various user interfaces are also contemplated thereby providing users with a view of the neural network topology as well as the ability to collaboratively determine meeting places. | 2014-05-08 |
| 20140129372 | METHODS AND SYSTEMS FOR TRAVEL RECOMMENDATIONS - Methods and systems for travel recommendations, in particular, such methods and systems as provide ranked recommendations that take into account user-specified preferences in a plurality of categories and which include both transparent and opaque results. The ranked recommendations may include both transparent and opaque results and may be determined using user-specified destinations and one or more of: user activity or amenity preferences, room amenity and room type preferences, accommodation quality preferences, and preferred travel dates. Optionally, flight preference information may also be used in computing the ranked results. The rankings may involve weighted scorings that limit emphasis on potential outlier accommodation properties deemed to be substantially different from a user's specified preferences in one or more such categories. | 2014-05-08 |
| 20140129373 | ITEM RECOMMENDATIONS BASED ON TRUE FIT DETERMINATION - An apparatus and method to facilitate providing item recommendations are disclosed herein. A determination of same wearable items purchased by both of at least a first user and a second user is made. At least one of a first other wearable item purchased by the first user or a second other wearable item purchased by the second user is identified. A first physical fit of wearable items in the same item categorgy for the first user and a second physical fit of the wearable items in the same item category for the second user are automatically determined. The automatic determination is based on the determination of the same wearable items. Identification of the first other wearable item is provided to the second user as an item recommendation. The identification including a particular size from among a plurality of sizes of the identified first other wearable item. | 2014-05-08 |
| 20140129374 | INTELLIGENT AND INFORMED STORE DESIGN - Mechanisms are provided for intelligently creating store designs in a neurologically informed manner. A store layout can be set based on time of day and biorhythms, with early morning sections, mid-morning sections, etc. Sub-brands may be provided in each section. Point-of-sale material design and interaction is neurologically enhanced. Store promotions are improved using augmented reality. A smart shopping cart or basket is used to automatically scan items, provide promotions, detect items, and suggest other products as a customer moves throughout the store. | 2014-05-08 |
| 20140129375 | Methods and Systems for Selling Apparel - Methods, systems, and articles of manufacture consistent with the present invention provide a garment that complements one or more figure characteristics. A garment is selected from a collection containing a number of garments each of which is categorized as being within one or more garment types. Information regarding a person's body shape is obtained. The body shape information is analyzed to identify at least one figure characteristic of the body shape. At least one garment type is identified that compliments the identified figure characteristic. Garments within the collection that are categorized as being within the identified complimentary garment type are identified. The identified garments are recommended. An input corresponding to a desired garment selected from the recommended identified garments is received. | 2014-05-08 |
| 20140129376 | ITEM RECOMMENDATION SYSTEM, ITEM RECOMMENDATION METHOD AND PROGRAM - An item recommendation system includes: a feedback receiving unit receiving feedbacks with respect to items by users; a feedback history storage unit storing information of feedbacks received at present or in the past by the feedback receiving unit in units of combinations of users and items; a relevance calculation unit calculating relevance between items base on first information indicating the degree in which the same user gives feedbacks to respective items and second information indicating the degree in which many users give feedbacks by using feedback information stored by the feedback history storage unit when receiving the feedback by the feedback receiving unit; and a recommendation unit immediately recommending items having higher relevance with respect to the item to the user who has given the feedback to the item by the feedback receiving unit based on the relevance calculated by the relevance calculation unit. | 2014-05-08 |
| 20140129377 | ELECTRONIC INVOICE GATEWAY - Methods for processing electronic purchase orders and invoices from a single customer and a plurality of vendors may comprise receiving electronic purchase orders from a customer for a plurality of vendors; directing each of said electronic purchase order to a vendor account associated with each vendor; receiving an electronic invoice corresponding to each of said electronic purchase orders; and directing the electronic invoices to the customer account associated with the customer. Computer implemented methods may also allow vendors and customers to simultaneously access all outstanding purchase orders and invoices. | 2014-05-08 |
| 20140129378 | COMPUTER-ASSISTED SHOPPING AND PRODUCT LOCATION - In general, techniques are described that enable crowdsourcing of product-related information. Product-related information may include availability and intra-store locations of various products at particular stores. An example system includes an interface, a memory, and one or more programmable processors configured to receive, at the interface an intra-store product location from a first client device, the intra-store product location indicating a location of a product within a store. The programmable processor(s) are further configured to store, to at least one storage device coupled to the system and in association with the product, the received intra-store product location, receive, at the interface, a request associated with the product from a second client device, and send, from the interface, the intra-store product location to the second client device in response to receiving the request associated with the product. | 2014-05-08 |
| 20140129379 | Systems and Methods for Location-Based Fuel Distribution - Presently disclosed are systems and methods for location-based fuel distribution. One embodiment takes the form of a method of delivering fuel to a vehicle, including a fuel mobile app that registers the vehicle location and requests the fuel service, a gateway and authentication server, a location server, a dispatch server, a real-time fuel price server, a back-end server, and a database. These systems communicate with an application associated with a fuel service vehicle that then dispatches and delivers fuel to the vehicle. Additionally, the back-end server may be configured to bill a customer for the receipt of fuel. | 2014-05-08 |
| 20140129380 | LEVERAGING A SOCIAL NETWORK TO SEARCH FOR LOCAL INVENTORY - In accordance with one or more embodiments of the present disclosure, a method for leveraging a social network to search for local inventory includes communicating with a first mobile communication device over a network, the first mobile communication device associated with a user, and communicating with a second mobile communication device over the network, the second mobile communication device associated with a social network contact. The method further includes obtaining a geo-location of the second mobile communication device, processing a search request from the first mobile communication device, obtaining a radius of coverage for a merchant, determining whether the geo-location of the second mobile communication device is within the radius of coverage of the merchant, and providing a listing to the first mobile communication device of one or more items for sale by the merchant when the second mobile communication device is within the radius of coverage of the merchant. | 2014-05-08 |
| 20140129381 | SYSTEMS AND METHODS FOR TRANSIENT LOCAL COMMERCE SEARCH - A system, computer-readable storage medium storing at least one program, and computer-implemented method for a transient local commerce search service is provided. Location data identifying a temporary geographic location of a merchant having a particular product available for sale is received. Temporal data indicating a specified time when the particular product is available at the temporary location of the merchant is also received. It is then determined that the particular product is available within a specified location and at the specified period of time. Display data to display at least one merchant providing the particular product within the geographic location and at the specified period of time is then provided. | 2014-05-08 |
| 20140129382 | PRESENTING A VENUE BASED ON ITS NEIGHBORHOOD - A venue may be presented based on its neighborhood within a city by a system (e.g., a machine suitably programmed by one or more software components). In particular, the system may identify a purpose of the user (e.g., a user purpose) in submitting a request for a presentation of venues that are located within the city. The system may access a database that correlates this identified purpose (e.g., business or romance) with a neighborhood that lies within the city. The system may determine a venue (e.g., for presentation, suggestion, or recommendation) based on the venue being located within a neighborhood that is correlated with the purpose. Hence, the system may present the venue to the user in fulfillment of the user's request. | 2014-05-08 |
| 20140129383 | METHODS AND SYSTEMS FOR ACCESSING INFORMATION RELATED TO AN ORDER OF A COMMODITY - Methods of allowing a customer to access information related to an order of a commodity include gathering inspection information from a commodity lot, collecting grower, field, and packing information associated with the commodity lot, recording purchase orders associated with the commodity lot, assigning a trace code to each of the purchase orders, entering the inspection information; the grower, field, and packing information; the purchase orders; and the trace codes into a database maintained through online accounts. Many members of a supply chain are entitled to accounts that are linked, each account being given limited access to other accounts, thereby allowing the customer to access the inspection information, and the grower, field, and packing information, by entering one of the trace codes into the web-based application. According to one exemplary embodiment, each of the purchase orders associated with the commodity lot is linked within the web-based application. | 2014-05-08 |
| 20140129384 | SYSTEMS AND METHODS WHEREIN A SECURITY DEPOSIT FACILITATES A TRANSACTION IN WHICH A BENEFIT IS APPLIED IN EXCHANGE FOR PERFORMANCE OF A TASK - Methods, computer readable media and systems are described wherein a security deposit is used to facilitate a transaction with a customer. In an embodiment, a process includes receiving an indication that a customer is interested in making a purchase during a transaction from a merchant, and transmitting an offer for a benefit to be applied to the transaction in exchange for a future performance of a task by the customer and a security deposit. The task is associated with a subsidy provider other than the merchant. The method also includes providing the offer to the customer, receiving the security deposit, applying the benefit to the transaction before performance of the task, and returning at least a portion of the security deposit to the customer based on the performance of the task. For example, a subsidy provider may offer to apply a subsidy amount to a transaction involving the purchase of a lawn mower in exchange for a future performance of a task by the customer such as test driving a new car. It is also arranged for the customer to provide a security deposit. When the customer performs the task by test driving the car, arrangements are then made to return at least a portion of the security deposit to the customer. | 2014-05-08 |
| 20140129385 | BANDWIDTH MANAGEMENT - A computer identifies a plurality of available network connections, wherein at least one of the identified network connections is contractually available to the computer under terms of a monthly data plan. The computer determines, based, at least in part, on characteristics of each network connection of the plurality of network connections and anticipated bandwidth consumption of the computer, a network connection to connect to from the plurality of network connections. The computer connects to the determined network connection. The computer determines, based, at least in part, on anticipated bandwidth consumption of the computer and contractual terms of the monthly data plan, an amount of excess bandwidth available for sale. | 2014-05-08 |
| 20140129386 | COMPUTERIZED REAL-TIME VALUE SCORING OF VEHICLES - Systems and methods for real-time value scoring of automobiles are described herein. In one aspect, a criterion identifying a type of vehicle is received. A number of vehicles offered for sale are identified, based at least in part on the criterion. A metric indicating the relative value of each of the identified offers for sale is provided, based at least in part on the other identified offers. The identified offers are organized based at least in part on options included on each vehicle and the metric indicating the relative value of each of the identified offers. The organized identified offers are then provided. In some implementations, the relative value metric may be generated based at least in part on the other identified offers. | 2014-05-08 |
| 20140129387 | SYSTEM AND METHOD FOR VISUALIZING PROPERTY BASED LISTING ON A MOBILE DEVICE - A system and method for visualizing property based listing on a mobile device may include grouping a plurality of property listings into at least one property listing group, the plurality of property listings selected based on a search area associated with a location of a mobile device; displaying, on the mobile device, a first group of the at least one property listing group overlaid on a live view of a camera of the mobile device, the displayed location of the first group based on an orientation of the mobile device; displaying a details interface overlaid on the live view, the details interface including attribute data of a first property listing of the first group; receiving a user interaction with the details interface; and displaying attribute data from a second property listing of the first group based on the user interaction. | 2014-05-08 |
| 20140129388 | SYSTEM AND METHOD FOR CONVEYING PRODUCT INFORMATION - A system and method for conveying product information. The system includes an interactive product guide that has product options linked to a product database comprising product data organized in an ontology and a taxonomy. The product options dynamically switch from being available or unavailable for selection by a user depending on prior option selections by the user. Product data from the product database corresponding to products characterized by the selected options are presented to the user. Methods for using the system include presenting the system to a user for interaction therewith. | 2014-05-08 |
| 20140129389 | CLOUD SOLUTIONS FOR ORGANIZATIONS - Aspects of the disclosure relate to generation of cloud solutions tailored to an organization or an environment thereof. In one aspect, the cloud solution bundles a group of cloud services that can include software applications, professional services, managed network services, and/or infrastructure services. The cloud services that can form a cloud solution can be selected in response to a query associated with an organization or an environment thereof. | 2014-05-08 |
| 20140129390 | MATCHING BRANDS AND SIZES - Consumers face a problem matching brand and size of one product to a different brand and size of a related product because not all brands measure sizes in the same way. As such, internet commerce companies recommend shoe sizes to users based upon a user-specified size or a user-specified pair of the shoes and size in a brand that the user suggests. Data in a peer-to-peer marketplace is mined to determine corresponding shoe sizes across various brands. | 2014-05-08 |
| 20140129391 | DELIVERY GROUP DETERMINATION USING SOURCING AND AVAILABILITY - Techniques and tools are described for delivery group management through determination of delivery alternatives. Order items requested for delivery are combined into delivery groups based on fixed constraints as well as sourcing and availability information. Delivery groups are combined into delivery alternatives. Availability determinations consider multiple sourcing possibilities for the order items. Delivery alternatives can be displayed as part of a user interface to facilitate selection by a user. Delivery alternatives can be useful for selecting cost efficient or otherwise optimized deliveries. | 2014-05-08 |
| 20140129392 | GIFT SYSTEM - A Web server device provides an order screen for ordering a product which an orderer gives to a participant to an information processing device of the orderer via the Internet, and transmits, upon receiving the order via the order screen, the order to a backyard terminal device in a backyard that provides the product, the backyard terminal device requests, upon receiving the order via the Web server device, an information output device to output information including a content of the order and identification information for identifying the participant to be given the product, the information output device outputs the information upon receiving the request, and the Web server device notifies, upon confirming reception of the product by the participant, the information processing device of the orderer who ordered the product of the reception via the Internet. | 2014-05-08 |
| 20140129393 | VIRTUAL PLANOGRAM MANAGEMENT, SYSTEMS, AND METHODS - Systems and methods of constructing and managing virtual planograms are presented. Contemplated systems allow for construction of a virtual planogram, which can be used to present consumers virtual inventory items as being available for purchase via a display device. The display device can include an electronic billboard within an establishment, a mall for example, or include a user's smart device, a cell phone or tablet for example. | 2014-05-08 |
| 20140129394 | VIRTUAL CLOSET FOR STORING AND ACCESSING VIRTUAL REPRESENTATIONS OF ITEMS - A virtual closet stores and presents virtual representations of physical items. The virtual representations may include virtual representations of items owned by a user, items the user would like to own, and/or memorabilia items for the user. The virtual closet may provide a number of functions. In some embodiments, the virtual closet may be used to facilitate selling items on online selling platforms by providing information (including virtual representations of the items) from the virtual closet to the online selling platforms to place the items for sale. The virtual closet may also be used in some embodiments to facilitate providing advertising targeted to the user based on information available to the virtual closet. | 2014-05-08 |
| 20140129395 | DETECTION OF STOCK OUT CONDITIONS BASED ON IMAGE PROCESSING - Image analysis techniques, including object recognition analysis, are applied to images obtained by one or more image capture devices deployed within inventory environments. The object recognition analysis provides object recognition data (that may include one or more recognized product instances) based on stored product (training) images. In turn, a variety of functionalities may be enabled based on the object recognition data. For example, a planogram may be extracted and compared to a target planogram, or at least one product display parameter for a product can be determined and used to assess presence of the product within the inventory environment, or to determine compliance of display of the product with a promotional objective. In yet another embodiment, comparisons may be made within a single image or between multiple images over time to detect potential conditions requiring response. In this manner, efficiency and effectiveness of many previously manually-implemented tasks may be improved. | 2014-05-08 |
| 20140129396 | SYSTEMS AND METHODS FOR REDUCING FRAUDULENT ACTIVITY IN TRANSACTION DISPUTE RESOLUTION - A method and device for resolving a transaction dispute are provided. The method and device provide information related to a disputed transaction to a user and then provide the user with the opportunity to cancel the transaction dispute. The provided information may be information that is relevant to the user and the transaction and associates the user to the transaction. As a result of being presented with information that associates the user with the transaction, the user may be less likely to fraudulently dispute the transaction. | 2014-05-08 |
| 20140129397 | SYSTEM AND METHOD FOR ASSESSING MORTGAGE BROKER AND LENDER COMPLIANCE - Some embodiments disclosed herein are directed to systems and methods for assessing mortgage lender and broker compliance. The systems and methods may receive loan pricing data, underwriting data, and/or borrower data from mortgage brokers and/or lenders, reconstruct the underwriting processes performed by lenders and brokers, and monitor many aspects of these processes. The reconstructed results may then be compared to the actual results to detect potential non-compliance of laws and/or regulations, including the practice of upstreaming and/or downstreaming. Because some embodiments of the invention greatly enhance the monitoring capability of mortgage regulators, they would motivate mortgage lenders and brokers to better conform their underwriting practice to existing laws and regulations. | 2014-05-08 |
| 20140129398 | METHOD AND SYSTEM FOR PROVIDING A PAYROLL PREPARATION PLATFORM WITH USER CONTRIBUTION-BASED PLUG-INS - Customizations and regional optimizations made to a payroll preparation and management system by one or more contributing users are transformed into payroll optimization plug-ins. The payroll optimization plug-ins are then aggregated into payroll optimization plug-in sets that, when implemented, optimize the payroll configurations used by the payroll preparation and management system for a given region and/or type of business within the region. The payroll optimization plug-in sets for a given region and/or activity are then requested and/or selected by other individuals using the payroll preparation and management system and imported to the requestor's implementation of the payroll preparation and management system to optimize the requestor's implementation of the payroll preparation and management system for the requested region, and/or type of business within the requested region. | 2014-05-08 |
| 20140129399 | APPARATUS, METHOD, AND PROGRAM FOR SETTING PRINTING FEE - An apparatus determines whether an input image is color or monochrome, obtains the color amount in the input image, performs image processing on the input image, prints the processed input image, and sets a fee for printing the input image based on the obtained color amount. | 2014-05-08 |
| 20140129400 | ELECTRONIC PAYMENT PROCESSING SYSTEM - A computing system receives an invoice and matches, based on a country in which a carrier of the shipment is established, a country in which a recipient of the shipment is established, an origin country of the shipment, and a destination country of the shipment, the invoice to a row in a buyer-specified configuration matrix. The computing system determines, based on the identified row in the buyer-specified configuration matrix, whether a buyer or the shipper is responsible for payment of value-added tax (VAT) on the shipment. If the buyer is responsible for payment of the VAT on the shipment, the computing system includes a line item in the invoice that indicates that the buyer is responsible for payment of the VAT on the shipment. The computing system provides the invoice to the buyer. | 2014-05-08 |
| 20140129401 | System and Method to Quantify the Economic Value of Performance Management and Training Programs - A system and method are provided to quantify the monetary effect of risk reduction when calculating the return on investments made on performance management and training programs. The system includes an operational platform comprising one or more computers, computer networks, and databases. The method includes processes that create and quantify risk profiles specific to various business models used to monetize the risk reduction or benefit created by training. This monetary benefit is used to calculate the return on investment on performance management and training programs. | 2014-05-08 |
| 20140129402 | ASSET PLANNING AND TRACKING - A asset planning and tracking system plans and tracks progress towards a savings goal and analyzes the consumption of assets that are being used to satisfy the savings goal. The system may further be configured to analyze a user's periodic (e.g., monthly, quarterly, yearly) transactions and provide suggested transactions if the user has excess income for the period. An asset planning and tracking system may be implemented in the context of a retirement planning system to aid a non-retired user in planning for his or her retirement and to aid a retired user in tracking the consumption of retirement assets. | 2014-05-08 |
| 20140129403 | SYSTEM AND METHOD TO CREATE AN INVESTMENT EXCHANGE BY REALLOCATION OF YIELDS OF FINANCIAL SECURITIES - An investment process transacted by means of an Investment Exchange that is powered by a proprietary reallocation algorithm that reallocates the cash flows on an issuer's private placement Investment Unit offering and works by internally re-generating, redistributing and rebalancing the various securities comprising the Investment Unit with a means of monetizing the income stream wherein the cash flows of the securities comprising the Investment Unit are reallocated, repackaged, matched and hedged in a cash-settled capital raising process to provide superior returns to primary and secondary investors and a relatively low amount of stock dilution and no stock price discount to existing shareholders of an issuer of equity securities. | 2014-05-08 |
| 20140129404 | Session-Based Electronic Trading - An electronic trading method, system, apparatus and platform that facilitate dealer to client trading of financial instruments in a session-based format. In one embodiment, the electronic trading system establishes a trading session for a given financial instrument at a predetermined date and time. The electronic trading system presents a two-sided market and provides a guarantee of a minimum liquidity for the trading session. The electronic trading system then executes client orders based on time of order entry and allocation of available liquidity. | 2014-05-08 |
| 20140129405 | Session-Based Electronic Trading And Order Handling - A session based electronic trading and order handling system and method include order handling protocols for processing and distributing order information. In one embodiment, the order handling system receives an order to trade in a financial instrument. The order handling system obtains an order handling rule for communicating certain order attributes to a party and applies the order handling rule to the order to communicate such attributes. | 2014-05-08 |
| 20140129406 | Session-Based Electronic Trading Providing Price Improvement - An electronic trading method and system to facilitate order execution at improved prices. In one embodiment, the electronic trading system includes a price improvement module that determines, from aggregated orders, total orders on each trade side. The price improvement module further determines whether an amount of two-sided order interest is at least a predefined amount, and if so, generates an indication to execute one or more of the orders at an improved bid price or an improved ask price. | 2014-05-08 |
| 20140129407 | Order Fulfillment Method And System - A method and system for filling orders based on time of order entry and liquidity allocation are disclosed. A trading system having an order fulfillment engine, receives orders to trade a financial instrument. Each order may specify an order size and a trade side. The system identifies a trade side with aggregate order size larger than that of an opposing trade side and determines a priority for executing orders on the identified trade side based on available liquidity and time of order entry. The one or more orders on the identified trade side are then executed according to the determined priority. | 2014-05-08 |
| 20140129408 | METHODS AND SYSTEMS FOR CREATING AND TRADING STRIPS OF FINANCIAL PRODUCTS - The present invention includes a method comprising receiving a first electronic BUY STRIP order; receiving a second electronic SELL STRIP order; matching the first STRIP order with the second STRIP order, wherein the first STRIP order is a contra order to the second STRIP order; executing the matched first and second STRIP orders; generating a first plurality of tradable component financial product trades based on the executed first STRIP order; generating a second plurality of tradable component financial product trades based on the executed second STRIP order; matching the first plurality of tradable component financial product trades with the second plurality of tradable component financial product trades, wherein the first plurality of tradable component financial product trades are contra trades to the second plurality of tradable component financial product trades; and executing the matched first and second plurality of tradable component financial product trades. | 2014-05-08 |
| 20140129409 | Financial System And Method Based On Absolute Returns - A financial instrument exchange, system and method based upon the intensity of an underlying index. The instrument having a predetermined formula for a settlement price based at least in part on the formula: | 2014-05-08 |
| 20140129410 | Order Entry Actions - Various embodiments disclosed herein relate to order entry. In the electronic trading process, order entry involves setting one or more order entry parameters, sending one or more order entry parameters, or both setting and sending one or more order entry parameters. As will be described in more detail below, various order entry actions, such as moving a cursor across an order entry line, moving a cursor into an order entry region, pressing an order entry button, or performing a gesture, may be used to trigger the setting, sending, or both setting and sending of one or more order entry parameters. At least some embodiments relate to enabling an order entry action before the order entry action is able to set, send, or both set and send one or more order entry parameters. | 2014-05-08 |
| 20140129411 | Electronic Collateral Management System and Method - A process for allocating specific assets from a pool of assets to secure a liability. Information concerning each of the assets in the pool of assets is received from at least two sources. A set of validation rules is applied to the information for each asset in the pool of assets and those assets which do not meet the validation rules are rejected. A price is assigned to each non-rejected asset. A subset of the non-rejected assets is allocated to the liability as a function to collateralize the liability. | 2014-05-08 |
| 20140129412 | SYSTEM, COMPUTER-IMPLEMENTED METHOD, AND NON-TRANSITORY, COMPUTER-READABLE MEDIUM TO DETERMINE RELATIVE MARKET VALUE OF A SALE GROUP OF LIVESTOCK BASED ON GENETIC MERIT AND OTHER NON-GENETIC FACTORS - Systems, computer-readable medium having computer program, and related computer implemented methods are provided to determine the relative market value of a sale group and to generate a genetic merit scorecard. Such systems, computer-readable medium having computer program, and related computer implemented methods utilize the genetic merit estimates of relatives of a sale group, along with associated economic weighting factors to determine the relative market value of the sale group. The genetic merit scorecard reflects the relative market value and ranking of the genetic merits of the sale group, as compared to the industry. | 2014-05-08 |
| 20140129413 | CLICK BASED TRADING WITH INTUITIVE GRID DISPLAY OF MARKET DEPTH - A method and system for reducing the time it takes for a trader to place a trade when electronically trading on an exchange, thus increasing the likelihood that the trader will have orders filled at desirable prices and quantities. The “Mercury” display and trading method of the present invention ensure fast and accurate execution of trades by displaying market depth on a vertical or horizontal plane, which fluctuates logically up or down, left or right across the plane as the market prices fluctuates. This allows the trader to trade quickly and efficiently. | 2014-05-08 |
| 20140129414 | Order Risk Management for Derivative Products - Systems and methods are provided for processing derivative product orders at an exchange. Traders provide derivative product order risk data to the exchange. The order risk data may include maximum delta, gamma and/or vega utilization values for derivative product contracts based on the same underlying product. Before executing a trade, a match system analyzes the trader's current utilization state and the utilization that would result after the trade. The match system may then execute all or a portion of the trade. | 2014-05-08 |
| 20140129415 | System and Method for Money Management in Electronic Trading Environment - A system and method for money management in an electronic trading environment are presented. According to one embodiment, a trader may configure a plurality of filters, each including at least one filter criteria and filter condition. When a money management module detects a new order, the money management module intercepts the order and determines if the order matches one or more predefined filters. If the order matches one or more filters then conditions associated with the applicable filter(s) are applied to the order. The application of one or more conditions to an order may result in sending a modified order, preventing the order from reaching the exchange, or sending order to the exchange without any modifications. | 2014-05-08 |
| 20140129416 | CROSS MARGINING OF TRI-PARTY REPO TRANSACTIONS - A computer implemented method for determining a margin requirement for a market participant includes maintaining, by a processor associated with an exchange, an exchange account reflecting an exchange position resulting from a trade executed on the exchange for a product available via the exchange, the exchange account being maintained separately from a custodian bank account associated with a custodian bank, the custodian bank account reflecting a repo position resulting from a repo transaction facilitated by the custodian bank between the market participant and a counterparty to the repo transaction. The method further includes receiving data reflective of the repo position via a communication interface between the exchange account and the custodian bank account, and determining the margin requirement for the market participant based on the received data and the exchange position. | 2014-05-08 |
| 20140129417 | SYSTEM AND METHOD FOR FUNDING COMPANIES - A system and method for funding investment seeking companies (ISCs), e.g., startup companies, by a funding company is disclosed. For each of the ISCs, in exchange for private equity therein, the funding company issues a corresponding publicly tradable class of its own stock substantially based on the performance of the ISC. The ISCs are categorized according to characteristics important to investors, e.g., type of technology, revenue, and products or services (to be) offered so that ISCs in a same category compete against one another for funding distributions from the funding company. In particular, income returns on the investments of proceeds from public sales of each class of stock are periodically distributed among competing ISCs according to, e.g., the share prices of their corresponding class of funding company stocks. | 2014-05-08 |
| 20140129418 | APPARATUSES, METHODS AND SYSTEMS FOR A DIGITAL CONVERSATION MANAGEMENT PLATFORM - The APPARATUSES, METHODS AND SYSTEMS FOR A DIGITAL CONVERSATION MANAGEMENT PLATFORM (“DCM-Platform”) transforms digital dialogue from consumers, client demands and, Internet search inputs via DCM-Platform components into tradable digital assets, and client needs based artificial intelligence campaign plan outputs. In one implementation, The DCM-Platform may capture and examine conversations between individuals and artificial intelligence conversation agents. These agents may be viewed as assets. One can measure the value and performance of these agents by assessing their performance and ability to generate revenue from prolonging conversations and/or ability to effect sales through conversations with individuals. | 2014-05-08 |
| 20140129419 | Electronic Trading System - An anonymous trading system comprises one or more matching engines, one or more market distributors and one or more trader terminals for input of orders from institutions trading on the system. The trader terminals are connected to the system through bank nodes. A broker terminal is connected through a bank node and enables voice brokers to trade on the system on behalf of client traders. The voice brokers terminal can be configured for any client trader and will display the market view for that trader. Trades in which the broker terminal participates are not concluded until a manual credit check has been performed. | 2014-05-08 |
| 20140129420 | TELECOM SOCIAL NETWORK ANALYSIS DRIVEN FRAUD PREDICTION AND CREDIT SCORING - A method for scoring a user's propensity for credit fraud includes forming a social graph from Call Detail Records (“CDR”), the users being nodes and weighted edges connecting node pairs representing a relationship between those users. Initial scores are assigned to users. A first user/credit applicant final score is calculated as a sum of all weighted initial scores of users having a degree of separation of n with the first user, along a path of connecting edges on the social graph, each weighted initial score being a product of the weight of the edges connecting the corresponding node pair, the user initial score, and the inverse square of the degree of separation with the first user. The summation of the degree weighted initial scores of users with degree of separation of n or less is the first user's credit-fraud score. | 2014-05-08 |
| 20140129421 | Method and Apparatus for Searching and Acquiring Whole Loans - My invention provides a single, centralized platform for all banks to exchange whole loans. The platform provides banks with tools to perform these transactions securely, more efficiently, and in a more organized manner, while also giving users more tools with which to evaluate the loans. The tools for offering loans, searching, bidding, and counter-bidding, combined with analytical tools for assessing participant and marketplace performance creates a comprehensive mortgage trading environment which the industry lacks. These tools allow smaller banks to quickly build their Community Reinvestment Act portfolio, while larger banks also profit from the transactions. Trading is accomplished in real time so that all participants can have access to essential information. | 2014-05-08 |
| 20140129422 | SYSTEMS AND METHODS FOR ISSUING MOBILE PAYMENT CARDS VIA A MOBILE COMMUNICATION NETWORK AND INTERNET-CONNECTED DEVICES - Provided are computer implemented methods and systems for issuing mobile payment cards via a mobile communication network. A mobile payment card may be provided to a user mobile device shortly after applying for the card issuance. A user utilizes his mobile phone to submit the application and enter user authentication information, which is used for calculating his creditworthiness rating. Based on the creditworthiness rating, a user profile is created and sent to a payment card issuing entity that considers the user profile and makes a determination as to whether or not to approve the mobile payment card issuance. In case of approval, the mobile payment card is transmitted to the user mobile device. The mobile payment card may include a payment barcode displayable on a display of the user mobile device. After scanning the displayed barcode by a barcode scanner of the merchant, the mobile payment card may be charged. | 2014-05-08 |
| 20140129423 | TRANSACTION COST RECOVERY COMPLIANCE CALCULATOR - Methods and apparatus may include a calculator for use in determination of a cost of acceptance associated with a purchase and/or group of purchases. The calculator may determine one or more surcharge attributes based on input provided by a transaction participant and one or more transaction fee rules. Apparatus and methods may include a device for dynamically adjusting the transaction cost based on a change in a surcharge attribute. Apparatus and methods may include determining a transaction cost by obtaining authorization services from one interchange provider and final settlement with a second interchange provider. Apparatus and methods may implement a secondary market for trading bundled transactions associated with specified surcharge attributes. | 2014-05-08 |
| 20140129424 | TRANSACTION COST MIRROR - Methods and apparatus may include a calculator for use in determination of a cost of acceptance associated with a purchase and/or group of purchases. The calculator may determine one or more surcharge attributes based on input provided by a transaction participant and one or more transaction fee rules. Apparatus and methods may include a device for dynamically adjusting the transaction cost based on a change in a surcharge attribute. Apparatus and methods may include determining a transaction cost by obtaining authorization services from one interchange provider and final settlement with a second interchange provider. Apparatus and methods may implement a secondary market for trading bundled transactions associated with specified surcharge attributes. | 2014-05-08 |
| 20140129425 | DYNAMIC BOOST OF NEAR FIELD COMMUNICATIONS (NFC) PERFORMANCE/COVERAGE IN DEVICES - Described herein are architectures, platforms and methods for dynamic amplification/boosting of near field communications (NFC) antenna transmission power in a device during NFC related functions that require increase in an NFC antenna transmission power such as a payment transaction. For example, to comply with Europay MasterCard and Visa (EMVco) standards with regard to higher NFC antenna transmission power during the EMVco transactions, the NFC antenna transmission power may be dynamically controlled to maximize efficiency of a battery/power supply of the device. | 2014-05-08 |
| 20140129426 | METHOD AND SYSTEM FOR DETECTION OF A FUEL CARD USAGE EXCEPTION - Determining a fuel card usage exception with the use of a computer that receives fuel card transaction data responsive to a fuel purchase event. The fuel card transaction data identifies a quantity of fuel purchased for a vehicle using a fuel card. In addition, the computer receives first fuel level data and second fuel level data of the vehicle that identifies a quantity of fuel present in a fuel tank of the vehicle prior to a fuel purchase event and after a fuel purchase event respectively. The computer can determine an exception associated with the fuel purchase event based on the fuel card transaction data, the first fuel level data, and the second fuel level data. Responsive to detecting an exception associated with the fuel purchase event, the computer may generate an alert and transmit the alert for presentation by a computing device of a user. | 2014-05-08 |
| 20140129427 | SYSTEMS AND METHODS TO DETERMINE A VALUE RELATING TO A POST - Products and processes are provided in which information is received about a post for an item to be sold. The information may include type data identifying the item for sale as being a specific type of item. Based on the received type data, a posting payment amount is determined. | 2014-05-08 |
| 20140129428 | QR CODE-ENABLED P2P PAYMENT SYSTEMS AND METHODS - Systems and methods are provided for facilitating peer-to-peer payment transactions using mobile devices. In one implementation, a method facilitating a computer system to complete a peer-to-peer payment transaction using a mobile device is disclosed. The method comprises determining a financial account for providing funds for the payment transaction. The method further includes receiving a user input comprising a payment amount for the payment transaction, and generating a QR code comprising a representation of the payment amount. Additionally, the method comprises displaying the QR code on the display of one mobile device for purposes of scanning by a second mobile device. Apparatuses and systems for implementing the method, as well as for processing the generated QR code after it is scanned by the second mobile device are also disclosed. | 2014-05-08 |
| 20140129429 | ROUTING FOR DIRECT TO ACCOUNT PAYMENTS - Various systems and methods are described for analyzing multiple money transfer routing schemes. Each of these multiple money transfer routing schemes may comprise a route to transmit funds from the source for the money transfer transaction to the destination for the money transfer transaction. An internal money transfer routing scheme may refer to a money transfer routing scheme that utilizes a direct money transfer arrangement between the destination of the money transfer transaction and the money transfer network. An external money transfer routing scheme may refer to a money transfer routing scheme that utilizes at least one third party money transfer network between the destination of the money transfer transaction and the money transfer network. The multiple money transfer routing schemes may be analyzed and the preferable money transfer routing scheme at least partially based on the predefined criterion from among the multiple money transfer routing schemes may be identified. | 2014-05-08 |
| 20140129430 | EXPERT ENGINE TIER FOR ADAPTING TRANSACTION-SPECIFIC USER REQUIREMENTS AND TRANSACTION RECORD HANDLING - In a platform comprising a service tier, an enabling tier, and a personalization tier, applying an expert engine to analyze one or more mobile device user and transaction environment requirements and configuring one or more platform features in accordance with the analysis. | 2014-05-08 |
| 20140129431 | Enhanced System and Method For Private Interbank Clearing System - Enhanced systems and methods for processing invoices, checks, and money transfers are described. Various aspects include the following: Invoices are compared to distinguishing features of known templates. Templates of matching features are used to extract data in the invoices. Enhanced payment documents are generated to include images of related invoices to ensure proper deposit. Payee information solicited from a payee is printed on an endorsement section of a check payable to the payee to ensure proper deposit. The payee information can be verified through a mock transaction. Unique invoice numbers and payor numbers are included in invoices to ensure proper accreditation of payments of the invoices. Money transfers among accounts of different banks are effected through master accounts in the different banks. | 2014-05-08 |
| 20140129432 | STATEMENT COLLECTION, CONSOLIDATION, AND FACILITATION - Embodiments of the invention include systems, methods, and computer-program products for providing vendor statement management for a user, including the receiving, monitoring, and paying of statements with no or minimal user required interaction. As such, the invention provides a facilitated access to accurate statement information from all of the vendors or service providers consolidated into one reliable source. Embodiments of the present invention provide a system for statement management. Specifically, embodiments of the invention allow for determining vendor statements associated with a user, consolidating the found vendor statements, monitoring those statements, notifying user if vendor statement need attention or payment, and providing payment from a payment account for the vendor statement. | 2014-05-08 |
| 20140129433 | METHOD FOR A PAYER TO CHANGE THE FUNDING SOURCE OF A COMPLETED PAYMENT TRANSACTION - The invention provides for a readjustment between multiple account balances or accounts belonging to a payer, wherein the readjustment changes the funding source for a completed payment transaction from the payer's first balance or account to the payer's second balance or account, wherein the readjustment does not affect a payee of the completed payment transaction, and wherein the completed payment transaction comprises a completed electronic payment transaction, a completed check payment transaction, or completed a point of sale transaction. | 2014-05-08 |
| 20140129434 | SYSTEMS, METHODS, AND APPARATUS FOR TRANSMITTING VIRTUAL WORLD CONTENT FROM A SERVER SYSTEM TO A CLIENT COMPUTER OVER A DATA NETWORK - Virtual world content is transmitted from at least one server to at least one client computer by defining a camera position on the client computer and projecting a geometrical shape from the camera position in the direction of a viewing vector. This geometrical shape defines a subsection of the virtual world content, which is then transmitted to the particular client, where it is maintained within a content cache. | 2014-05-08 |
| 20140129435 | ELECTRONIC WALLET APPARATUS, METHOD, AND COMPUTER PROGRAM PRODUCT - Registration information for a plurality of consumers is obtained at an electronic wallet platform. A mechanism is provided to integrate the electronic wallet platform with a plurality of merchants. Via the electronic wallet platform, a given one of the consumers is afforded an option to select from multiple methods to pay for a transaction with a given one of the merchants. The multiple methods are based, at least in part, on the registration information. At least one of the multiple methods includes a virtual card number. Further steps include obtaining, from the given one of the consumers, a selection of the virtual card number for payment for the transaction; and providing the given one of the merchants with the virtual card number. | 2014-05-08 |
| 20140129436 | Systems and Methods for Personal Identification Number Distribution and Delivery - Systems and methods for obtaining a personal identification number (PIN) from a client terminal are disclosed. A method includes storing, at the client terminal, PINs for plural prepaid services. The method also includes receiving, at the client terminal, a request for a PIN associated with a desired prepaid service corresponding to one of the plural prepaid services. A PIN request is then sent, from the client terminal, to a server when less than a predefined number of PINs associated with the desired prepaid service are stored at the client terminal. In response, one or more PINs associated with the desired prepaid service are received at the client terminal. The method further includes dispensing at least one PIN corresponding to the desired prepaid service from the client terminal. | 2014-05-08 |
| 20140129437 | CONFIGURING A PLURALITY OF SECURITY ISOLATED WALLET CONTAINERS ON A SINGLE MOBILE DEVICE - Configuring a plurality of security isolated wallet containers on a single mobile device includes configuring at least one mobile transaction platform-specific application programming interface for facilitating access to secure mobile transaction platform resources by a wallet container executing on a mobile device; disposing a plurality of distinct wallet containers in a memory of the mobile device, wherein each wallet container interfaces with secure mobile transaction platform resources via the at least one application programming interface; disposing at least one service provider-specific wallet in each of the plurality of distinct wallet containers; and enforcing service-provider specific wallet security by a distinct wallet container accessing a portion of the secure mobile transaction platform resources via the at least one application programming interface. | 2014-05-08 |
| 20140129438 | SHAREABLE WIDGET INTERFACE TO MOBILE WALLET FUNCTIONS - Configuring a shareable widget interface to mobile wallet functions includes disposing a wallet module in a memory of a client device, and disposing a wallet companion applet in a secure element accessible by the client device, wherein the wallet companion applet facilitates access by at least one other applet and at least one wallet module to content that is stored in the secure element via a mobile wallet function sharable interface. | 2014-05-08 |
| 20140129439 | SYSTEM AND METHOD FOR PROVIDING BANKING SERVICES ASSOCIATED WITH MULTIPLE FINANCIAL INSTITUTIONS THROUGH SHARED OUTLETS - A system and method for providing banking services associated with a plurality of financial institutions through a network of shared outlets branded with each participating financial institution, wherein each shared outlet comprising a plurality of shared self service terminals for providing the branded and proprietary services including the unique and specific services of each participating financial institution, wherein each shared self service terminal is adapted or adaptable to provide equal services for each participating financial institution. The invention offers each participating financial institution to expand its branded service delivery outlets to deliver its branded services including the routine and non-routine services at shared cost. | 2014-05-08 |
| 20140129440 | DETERMINING AN AUTOMATED BANKING MACHINE FOR CHECK CASHING - A banking system comprises automated banking machines which include a card reader, check imaging device, and cash dispenser. Each system machine can cash a code-correlated check in exchange for receiving both the check and the code assigned to the check, without requiring any user identifying input through the machine's user input devices as a condition for cashing the check. The system allows a potential recipient of a personal check to call in a given code to a system computer, which can verify whether the check is backed by funds reserved for the check amount and whether the check can be anonymously cashed. From the call the system computer can obtain the mobile phone's GPS location to determine the system machine nearest to the phone. When informing the phone user that a check is as good as cash, the system computer can also provide directions to that nearest system machine. | 2014-05-08 |
| 20140129441 | SYSTEMS AND METHODS FOR AUTHORIZING SENSITIVE PURCHASE TRANSACTIONS WITH A MOBILE DEVICE - Systems, apparatus and methods are presented that enable an issuer financial institution (FI) to contact a financial account holder concerning a possibly fraudulent purchase transaction via a non-intrusive notification transmitted to a mobile device. An embodiment includes receiving, by the cardholder's mobile device, a transaction alert message, providing an indication of the transaction alert message, and displaying transaction alert information along with a validate indicator and a decline indicator. The process also includes receiving a selection of the validate indicator, prompting the cardholder to enter a mobile personal identification number (mPIN), validating the mPIN, and then transmitting a validation signal to an issuer FI. | 2014-05-08 |
| 20140129442 | FINANCIAL INSTITUTION ACCOUNT NETWORKING - Embodiments of the invention include systems, methods, and computer-program products for provide a user with a central location that links one or more of the user's financial accounts into a single location for viewing and transacting with any of the one or more financial accounts. As such, the invention provides a facilitated access to one or more user financial accounts from any or all financial institutions consolidated into one source. Embodiments of the present invention provide a system for financial account linkage. Specifically, embodiments of the invention allow for monitoring, viewing, transacting, and transferring funds associated with any of the financial accounts of a user. The financial account monitoring program may be provided to a user via his/her mobile device in an interactive account monitoring/transaction fashion. | 2014-05-08 |
| 20140129443 | TRANSACTION COST BROKERING - Methods and apparatus may include a calculator for use in determination of a cost of acceptance associated with a purchase and/or group of purchases. The calculator may determine one or more surcharge attributes based on input provided by a transaction participant and one or more transaction fee rules. Apparatus and methods may include a device for dynamically adjusting the transaction cost based on a change in a surcharge attribute. Apparatus and methods may include determining a transaction cost by obtaining authorization services from one interchange provider and final settlement with a second interchange provider. Apparatus and methods may implement a secondary market for trading bundled transactions associated with specified surcharge attributes. | 2014-05-08 |
| 20140129444 | SERVICE LEVEL AGREEMENT CONTRACT CREDIT VALIDATION - A service level agreement validation device may, upon receiving a service level agreement credit request from a customer, identify a type of the service level agreement credit request; validate the service level agreement credit request based on the type of the service level agreement credit request; update a disposition of the service level agreement credit request based on result of the validation; and selectively provide a credit to the customer based on the disposition of the service level agreement credit request. The service level agreement validation device may further provide credit refunds to the customer for service level agreement credit requests determined to be valid. | 2014-05-08 |
| 20140129445 | Method for Processing a Payment, and System and Electronic Device for Implementing the Same - In a method for processing a payment, a seller-end electronic device transmits payment information to a transaction platform, which transmits an authentication code to the seller-end electronic device. A buyer-end electronic device allows the user thereof to input a verification code associated with the authentication code, and to transmit the verification code to the transaction platform. When the verification code is deemed valid, the buyer-end electronic device receives a personal identification number (PIN), and transmits a confirm signal to the transaction platform when the PIN is correct. The transaction platform then communicates with a bank terminal to process a payment, according to the payment information. | 2014-05-08 |
| 20140129446 | INACTIVE CREDIT OR DEBIT CARD ACTIVATED BY A BIOMETRIC FEATURE FOR A LIMITED TIME OR NUMBER OF PURCHASES - A method of verifying ownership of credit or debit cards is disclosed. An apparatus is provided which can compare a biometric representation on the credit or debit card with a biometric feature of the purchaser. For example, the cardholder's fingerprint may be on the card. The apparatus would contain a spot for the purchaser to place the same portion of his finger that was used to create the biometric on the apparatus. The card would be inserted in the apparatus, and the apparatus would compare the fingerprint on the card with the fingerprint of the customer and if they matched, the card would be activated for a limited period of time, or a limited number of purchases. The apparatus may also comprise a remote biometric feature reader, such as a facial scanner or hand scanner. | 2014-05-08 |
| 20140129447 | SYSTEM AND METHOD FOR ANONYMOUS MICRO-TRANSACTIONS - Disclosed herein are systems, methods, and computer-readable storage devices for processing anonymous micro-transactions of any type, such as purchases, donations, subscriptions, rewards, and so forth. An example system configured for subscriptions can register a user by assigning the user an anonymous user identifier, and prefund a payment account associated with the anonymous user identifier from a third party payment service, based on authorization from the user. This process can be part of a separate registration phase prior to attempting any transactions. Then, the system can complete a subscription transaction as a micro-transaction via the payment account on behalf of the user in response to a user request made via a micro-transaction button on a website, for example. The system can maintain a subscription transaction history for the payment account, and confirm, upon request from a merchant, validity of the subscription transaction based on the transaction history. | 2014-05-08 |
| 20140129448 | CLOUD-BASED SYSTEMS AND METHODS FOR PROVIDING CONSUMER FINANCIAL DATA - Systems and methods are disclosed for providing cloud-based access to consumer financial information. A cloud-based platform may receive a notification from a server, the notification comprising a request to access consumer data associated with a financial services account. After confirming authorization by both the associated financial services account provider and the consumer, the platform may configure a software object identifying the server and at least a portion of the consumer data that the server is authorized to access. After presentation of the configured software object by the third party server, the platform may verify the configured software object, and provide to the server access to the authorized consumer data. The server may then utilize the provided consumer data to perform a mobile service for the consumer. | 2014-05-08 |
| 20140129449 | RECEIVING AN INDICATION OF A SECURITY BREACH OF A PROTECTED SET OF FILES - Embodiments include a system, a computer program product, an apparatus, a device, and a method. An embodiment provides a method. The method includes a tripwire file into a protected set of files that includes at least one normal file. The method facilitates a communication to a second party of at least a portion of the protected set of files. The method also receives a signal indicating an occurrence of an activity related to the tripwire file. | 2014-05-08 |
| 20140129450 | SECURE PAYMENT METHOD AND SYSTEM - Representative embodiments of a server-based method of facilitating payment by a user registered with the server include, at the server, generating and storing, for the user, a code readable by a merchant device, transmitting the code to a mobile device of the user, facilitating provision of information characterizing a payment instrument from the user to a payment-processing entity without storing the data at the server, receiving, from the payment-processing entity, a token indicative of the payment instrument but not encoding data that would enable use of the instrument, associating the token with the user, receiving, from a merchant, the code and a payment amount, matching the received code to the user and retrieving the token associated with the user, and providing the token and the payment amount to the payment-processing entity to facilitate completion of a transaction between the user and the merchant. | 2014-05-08 |
| 20140129451 | P2P Transfer Using Prepaid Card - A method and system for making a payment is disclosed. In the method, a Payor can specify an account from which to withdraw funds for the payment and specify an activation code necessary to activate the payment. The payment can be sent to a Payee in the form of a pre-paid transaction account. The account will not be activated unless the Payee provides the activation code. Funds can be withdrawn from the account specified by the Payor either in full at the time the payment is made or are withdrawn as the Payee uses the transaction account to access the funds. | 2014-05-08 |
| 20140129452 | PRODUCT RECALL PLATFORM APPARATUSES, METHODS AND SYSTEMS - The PRODUCT RECALL PLATFORM APPARATUSES, METHODS AND SYSTEMS (“PR Platform”) transforms recall initiation request, product identifier and purchase processing request inputs via PR Platform components into recall notification message outputs. In some embodiments, the PR Platform receives a purchase processing request including a plurality of product identifiers and preselects product identifiers that qualify for purchase processing based on at least one purchase processing rule. The PR Platform facilitates querying of a product recall database to determine if the preselected product identifiers match recalled product identifiers in the product recall database. If at least one of the preselected product identifiers match the recalled product identifiers, the PR Platform retrieves a recall message associated with the at least one of the preselected product identifiers and notification preferences associated with the purchase processing request. The PR Platform then generates a recall notification message in accordance with the notification preferences to include the recall message associated with the at least one of the preselected product identifiers. | 2014-05-08 |
| 20140129453 | Personal Concierge on Mobile Computing Device - The present invention extends to methods, systems, and computer program products for providing a personal concierge to guests of a hotel or other establishment. The personal concierge can be provided in the form of a mobile application. The mobile application can be executed on a guest's mobile phone or other mobile electronic device so that the personal concierge can continuously assist the guest. The personal concierge can interface with various devices within or around a hotel such as the devices within a guest's room. The personal concierge can be configured to identify a guest's preferences or habits to better provide suggestions or assistance during a stay. | 2014-05-08 |
| 20140129454 | Professional Services Portal - A system of hardware and software components and methods of providing a service portal such as a legal service portal are disclosed. For clients, the system offers several advantages including allowing clients to select professionals from a pre-qualified list of professionals, to provide their personal data only once to the system, to have their cases transferred from one professional to another electronically, and the ease of quick response to inquiries and electronic billing. For the legal professionals, the advantages include customized profile pages, membership in an exclusive network of pre-qualified professionals, referral of work, the ability to automate many mundane tasks for filling out various forms with similar customer data, and the ability to safely transfer or receive cases with complete electronic records, and the ability to collaborate with other professionals on a given case. | 2014-05-08 |
| 20140129455 | SYSTEMS AND METHODS FOR CALCULATING STATUTORY SENTENCES - Systems and methods are provided to assist users with calculating data related to a proposed or actual prison sentence. A sentence calculation platform provides a plurality of sentences calculators. Each sentence calculator is associated with a particular algorithm and a set of instructions for determining sentence output data based on the applicable legal framework. A sentence calculation module corresponding to a selected sentence calculator is transmitted for display on a client device of a user. User input is entered in an input portion of the module. Sentence output data is generated by applying the selected sentence calculator to the received user input. The sentence output data is transmitted for display in an output portion of the sentence calculation module displayed on the client device. | 2014-05-08 |
| 20140129456 | MOBILE SYSTEM FOR REAL-ESTATE EVALUATION REPORTS - The present invention provides an elegant means of interaction between real-estate agents who employ mobile devices, wherein the property evaluation information created by any agent is shared with other agents, and wherein such property evaluations created from and collected from a plurality of mobile devices. In particular, property evaluations created by an agent are forwarded to a service provided in accordance with the present invention to communicate with other agents who may also employ mobile devices to review them. The present invention facilitates creation and sharing of au evaluation report that is created by a real-estate agent before a property sale is contracted or agreed to, typically when a property comes to the market for sale. | 2014-05-08 |
| 20140129457 | AN INTERACTIVE ORGANIZATIONAL DECISION-MAKING AND COMPLIANCE FACILITATION PORTAL - Systems and methods are disclosed for facilitation of enterprise compliance with managed rules or policies, including the use of and interactive compliance application including a decision tree structure with decision nodes, wherein an enterprise user may answer one or more specific questions and compliance guidance with respect to one or more managed rules or policies is provided according to received answers to the questions. An interactive decision facilitation portal enables the decision tree structure, by enabling both computer-algorithm-implemented decision nodes and human-aided decision nodes of the decision tree structure. | 2014-05-08 |
| 20140129458 | SYSTEM AND METHOD FOR CERTIFYING AND MONITORING COMMERCIAL ACTIVITY OF A MANUFACTURER, DISTRIBUTORS, AND RETAILERS IN A PRODUCT SUPPLY CHAIN - A method and a system for certifying and monitoring commercial activity of manufacturers, distributors, and retailers are provided. The method includes registering a manufacturer with a certification and monitoring company. The method includes certifying the distributor and first and second retailers by the manufacturer for a product. The method includes inputting a first quantity of the product shipped during a time period from the manufacturer to the distributor, by the manufacturer, and inputting second and third quantities of the product shipped during the time period from the distributor to the first and second retailers, by the distributor. If a sum of the second and third quantities is greater than the first quantity by a predetermined amount, then a first notification message is generated. | 2014-05-08 |
| 20140129459 | METHOD AND SYSTEM FOR SOCIAL MEDIA INTEGRATION INTO BUSINESS APPLICATIONS - A method and system to receive business data related to an entity from a business application; determine at least one social media network to access by the business application; query the at least one social media network, based on search criteria derived from the business data, for unique identifiers of the at least one social media network associated with the entity; and determine a true identifier of the entity for the at least one social media network based on the unique identifiers and the business data. | 2014-05-08 |
| 20140129460 | SOCIAL NETWORK FOR EMPLOYMENT SEARCH - Systems and methods described herein provide an application through which social media can accelerate communication between a job seeker and a talent seeker (e.g., an employer). | 2014-05-08 |
| 20140129461 | Crowdsourced Vendor Information - Disclosed is, among other things, techniques to obtain information about client companies, staffing firms, and jobs, which may allow contractors to find the work they desire more efficiently. | 2014-05-08 |
| 20140129462 | MULTIFACETED CANDIDATE SCREENING - A method, system and computer program product are disclosed for candidate screening. In one embodiment, the method comprises identifying a multitude of dimensions of a specified job, assigning a weight to each of the dimensions, and determining whether each of a group of candidate satisfies the weights assigned to the dimensions. In an embodiment, a score is assigned to each candidate based on the weights assigned to the dimensions, and the number of the candidates score above a threshold is determined. In an embodiment, if the number of the candidates that have a score above the threshold is less than a defined number, one or more of the weights is adjusted, and the candidates are rescored based on these adjusted weights. In embodiments of the invention, the weights are adjusted based on the number of the candidates that score above the threshold, or based on the other weights. | 2014-05-08 |
| 20140129463 | Method and System for Skill-Based Endorsement Platform - System and method for evaluating the performance of at least one person (“applicant”) are provided. The applicant may select, at his or her discretion, people (“endorsers”) from an automated pre-populated list or manually entered list to request for endorsements or recommendations. This system and method allows the applicant to capture endorsements more efficiently and effectively. | 2014-05-08 |
| 20140129464 | Method and System for Skill-Based Endorsement and Credential Validation Platform - System and method for evaluating the performance of at least one person (“applicant”) are provided. The applicant may select, at his or her discretion, people (“endorsers”) from an automated pre-populated list or manually entered list to request for endorsements or recommendations. This system and method allows the applicant to capture endorsements more efficiently and effectively. | 2014-05-08 |
| 20140129465 | TALENT ACQUISITION PIPELINE - A talent acquisition pipeline can be provided for managing candidates for a job opening. The talent acquisition pipeline comprises a plurality of stages. Information can be displayed along with the talent acquisition pipeline, including a count of candidates associated with the stages and/or target values associated with the stages. Candidates can be moved between stages. Stage-specific actions can be selected to perform various actions related to the candidates for a selected stage. A graphical user interface can be provided depicting a talent acquisition pipeline and a list of candidates associated with a selected stage of the pipeline. | 2014-05-08 |
| 20140129466 | METHOD AND SYSTEM FOR SELECTING LABOUR RESOURCES - A method of selecting a candidate for a job including the steps of: receiving at a server at least one candidate profile from at least one candidate; receiving at the server at least one job description for a job from an employer; processing at the server the at least one candidate profile and the at least one job description; determining at the server a most compatible candidate profile or profiles from the candidate profile or profiles and the job description; and transmitting the most compatible candidate profile or profiles to the employer. | 2014-05-08 |
| 20140129467 | CAREER AND EMPLOYMENT SERVICES SYSTEM AND APPARATUS - Systems, methods, distributed networks, and computer-readable media are provided that relate to recruiting and employment services. Background information associated with talent-capability attributes is received from talent. Job description information is received from employers. Prospective matches are identified between employers and talent, and employers and talent are given an opportunity to consent to exchange of talent contact information. | 2014-05-08 |
| 20140129468 | CAREER AND EMPLOYMENT SERVICES SYSTEM AND APPARATUS - Systems, methods, distributed networks, and computer-readable media are provided that relate to recruiting and employment services. Background information associated with talent-capability attributes is received from talent. Job description information is received from employers. Prospective matches are identified between employers and talent, and employers and talent are given an opportunity to consent to exchange of talent contact information. | 2014-05-08 |
