19th week of 2012 patent applcation highlights part 63 |
Patent application number | Title | Published |
20120116924 | ONLINE PRODUCT SELLING METHOD, AND SERVER AND SYSTEM FOR IMPLEMENTING THE SAME - The present invention relates to an online product selling method and a server and system for implementing the method. The online product selling method is performed by an online product selling server. At least one open selling web page in which detailed product information including a name and a provider of each product is displayed is registered. At least one closed selling web page in which riddle data associated with at least one of a name and a provider of each product is displayed and in which detailed product information including the name and the provider of the product is not displayed is registered. A web page transmission request is received from a relevant terminal. Any one of the open selling web page and the closed selling web page is transmitted to the terminal. A payment procedure is performed and then the product is sold. | 2012-05-10 |
20120116925 | SECURE IN-LINE PAYMENTS FOR RICH INTERNET APPLICATIONS - Methods and systems are provided for making secure financial transactions, such as purchase payments, using rich Internet applications (RIA) running an RIA runtime (also referred to as a platform or framework) on the user's smart phone or other mobile device. Embodiments differ from the usual way of re-directing a user from a third-party application and authenticating the user by providing secure in-line payments from a rich Internet application running on an RIA runtime. A system includes: a mobile device executing a rich Internet application running on an RIA runtime; a payment library communicating with the RIA runtime and a service provider, for which the payment library communicates with the service provider to authenticate the rich Internet application; and in response to authentication by the service provider, facilitates secure financial transactions via the rich Internet application. | 2012-05-10 |
20120116926 | CONSOLIDATING LEADS INTO A LEAD GROUP - In some example embodiments, a system and method are illustrated to consolidate leads received from multiple user devices used by a single user. The system and method may include identifying a first plurality of leads received from one or more user devices as being submitted by a same user via the one or more user devices. The first plurality of leads may be directed to a listing provided by a lister. The first plurality of leads may be added to a lead group. Then, a second plurality of leads received from one or more users including the same user may be forwarded to the lister. The forwarding may include notifying the lister of a first count of the second plurality of leads. The first count may include the lead group counted as one lead. | 2012-05-10 |
20120116927 | SYSTEM AND METHOD FOR PROVIDING ACCESS TO PRODUCT RELATED ELECTRONIC CATALOG FUNCTIONALITY - An aggregation of functionality related to a product within an electronic catalog hosted by a wholesaler web system is provided by presenting on a client computing device a webpage in which a single product is directly associated with a single access point. The single access point provides a means by which plural wholesaler web system functions related to the single product are made available to a consumer. A listing of the plural wholesaler web system functions related to the single product is displayed within the webpage in response to an activation of the single access point by the consumer. In response to a selection by the consumer from the displayed listing the wholesaler web system initiates a performance of the one of the plural wholesaler web system functions so selected. | 2012-05-10 |
20120116928 | SYSTEM AND METHOD FOR TRACKING CUSTOMER PERSONAL INFORMATION IN A WAREHOUSE MANAGEMENT SYSTEM - A system and method for a warehouse management system for tracking devices with customer private information. The system includes one or more testing devices for testing devices to determine whether the customer personal information is present. The system further includes a receiving system operable to receive devices for entry as inventory. The shipping system prevents the devices from being entered as inventory in response to the testing device determine CPI is present on one or more of the devices. The system further includes a shipping system operable to prevent the one or more devices from being shipped to a recipient in response to determining the CPI is present on the one or more devices. | 2012-05-10 |
20120116929 | SYSTEM AND METHOD FOR AUDITING REMOVAL OF CUSTOMER PERSONAL INFORMATION ON ELECTRONIC DEVICES - A system and method for auditing electronic devices to verify removal of customer personal information (CPI). An electronic device is received at a facility. An electronic device is tested utilizing a test device to determine whether there is CPI on the electronic device. An identification of the electronic device is recorded in response to determining the CPI is on the electronic device. An alert associated with the identification is stored to indicate that CPI is on the electronic device. | 2012-05-10 |
20120116930 | METHOD AND SYSTEM FOR PROCESS-BASED ORIGIN MANAGEMENT - A method for process-based origin management of a product includes inputting information regarding a product and an origin of a raw material of the product, extracting a list of determining processes matched to an agreement related to the product, determining an origin of the product by using the information of the product and the determining processes in the list, and outputting an origin determination result of the product. | 2012-05-10 |
20120116931 | Method for establishing an impromtu geofenced area to organize and analyze shipments - A method of establishing a virtual perimeter for a real-world geographic area in which a zone is digitally customized to receive and disburse ad-hoc supplies including procedures for authorizing volunteers and other relief entities to draw supplies from the geo-fence zone utilizing wireless technology. The method of the present invention includes establishing geo-fences and communication links between the geo-fences to form a virtual warehouse. The present invention is well suited for disaster relief operations or other emergencies in which donated supplies require distribution throughout a widespread area of need. | 2012-05-10 |
20120116932 | EVALUATING REQUESTS USING HISTORICAL BENCHMARKING - A system for evaluating an invoice for work includes a processing device configured for determining one or more billing data parameters comprising a threshold payment amount based on information associated with the invoice or the work, retrieving from a historical billing database, historical billing data corresponding to the one or more determined billing data parameters, comparing the retrieved historical billing data including the threshold payment amount with at least a portion of the information extracted from the invoice including billing information extracted from the invoice, and determining whether to approve the invoice based on the comparison, wherein determining whether to approve the invoice is dependent upon the comparison of the threshold payment amount with the requested payment amount corresponding to billing information extracted from the invoice. | 2012-05-10 |
20120116933 | SYSTEM AND METHOD FOR AUTOMATIC RECONCILIATION OF TRANSACTION ACCOUNT SPEND - A system and method for facilitating automatic reconciliation of transaction card transactions is disclosed, wherein a user may request single-use account codes via the Internet. The system comprises various hardware and software systems to enable a card member, program administrator, or any other designated third-party to request one or more single-use account codes. The requestor may further assign a descriptor for each of the one or more account codes. After receiving a requested account code, the requestor may communicate the account code to a merchant to facilitate a purchase transaction. The system retrieves a list of transactions from the card issuer at regular intervals, matches the account codes in the list to an account code and associated descriptor, and records the reconciled transaction within a database. | 2012-05-10 |
20120116934 | SYSTEMS AND METHODS TO SHARE ACCESS TO PLACESHIFTING DEVICES - A server facilitates sharing of otherwise idle placeshifting devices over the Internet or another network. The server maintains a list of placeshifting devices that are available to share content via the network. When a selection of shared content is received from a client device, an available placeshifting device that has access to the requested content is identified. The client device and the identified placeshifting device establish a placeshifting connection over the network in which the client device controls the identified placeshifting device to obtain the selected content. | 2012-05-10 |
20120116935 | SYSTEM AND METHOD FOR DETERMINING COLOR USAGE LIMITS WITH TIERED BILLING AND AUTOMATICALLY OUTPUTTING DOCUMENTS ACCORDING TO SAME - Disclosed is a method and a system for automatically outputting documents based on at least a user's credentials. A highest billing tier for processing the image data from a plurality of billing tiers and which is based on credentials for the specified user is selected, and the image data is processed and output. Alternatively, if the highest billing tier selected is not authorized by a user's credentials, then a next highest billing tier is selected in accordance with the credentials, and the job is automatically processed and then output. The credentials may be based on an available amount of credit in a user's account (e.g., to print at billing cost) or a user's authorization (e.g., to print color documents), for example. The tiers may be based on one or more thresholds, such as a percentage of color content in a document. | 2012-05-10 |
20120116936 | INTEGRATED FACILITY MANAGMENT SYSTEM - A facility management system includes a work order system configured for receiving a request for service, retrieving, from a contract database, one or more pieces of key data extracted from a contract in response to the request, preparing a work order ordering corrective work based on the request and the retrieved pieces of key data, and outputting the work order to a vendor for completion of the corrective work. The system includes a billing system configured for receiving terms extracted from an invoice submitted by the vendor for performing the corrective work, the terms comprising an invoice price for performing the corrective work and determining whether to approve payment of the invoice. Determining includes comparing the invoice price for performing the corrective work to the contract price for performing the type of service and approving payment of the invoice when the invoice price matches the contract price. | 2012-05-10 |
20120116937 | Billing Usage in a Virtual Computing Infrastructure - Billing usage of a cloud computing environment is described. Usage is metered of one or more resources within the cloud computing environment by one or more users. The one or more users may be associated with at least one entity. The metered usage of one or more cloud resources is converted to a revenue-generating value. The revenue-generating value is billed to the at least one entity associated with the one or more users. Revenue is collected from the at least one entity for the metered usage of one or more cloud resources. The collected revenue is shared with a plurality of parties. | 2012-05-10 |
20120116938 | CHARGING FOR LONG DURATION SESSIONS IN COMMUNICATION NETWORKS - Communication networks and associated methods are disclosed that provide charging for long duration sessions. A charging data system of the communication network receives interim accounting request messages from a network element that is serving a session. The charging data system identifies interim timestamps for the interim accounting request messages, and stores the interim timestamps. After a time period during the long duration session, the charging data system generates a partial CDR. The charging data system then inserts duration information for the long duration session in the partial CDR based on the stored interim timestamps, and transmits the partial CDR to a correlation system. The correlation system may then calculate a total duration for the session based on the duration information in the partial CDR. Even if a start/stop timestamp is not available, the correlation system may estimate the total duration of the session based on the interim timestamps. | 2012-05-10 |
20120116939 | NON-RESIDENT METERING AND BILLING SYSTEM FOR APPLICATIONS AND DEVICES - A licensing envelope provides use of an application or device on a metered basis. The licensing envelope can be used with or without a connection to a computer network. In one embodiment, an application is provided with a dynamically linked library for the licensing envelope. The dynamically linked library verifies that access is enabled and calls a local licensing server when the application is opened. The local licensing server connects to and transfers data to a remote licensing server on a periodic basis. The remote licensing server can provide authorization codes for additional use of the application, bill the user, and forward payment to the application vendor. | 2012-05-10 |
20120116940 | PROCESSING LOAN TRANSACTIONS - In an exemplary embodiment, a method includes receiving first financial information associated with a first loan system, wherein the first financial information is in a first format associated with the first loan system and converting, by a processor, the first financial information to a common format. The method also includes receiving second financial information associated with a second loan system, wherein the second financial information is in a second format associated with the first loan system; converting, by a processor, the second financial information to the common format; and communicating the first financial information and the second financial information to a user. | 2012-05-10 |
20120116941 | System And Method For Determining Implied Market Information - Implied prices and their quantities are computed. Markets are characterized by exhaustively computing one or more combinations of other related markets. Each combination when summed in a particular way results in the market under consideration. In a described embodiment, the number of market combinations found is an exhaustive list of market combinations such that the market under consideration can be fully and completely characterized, such that each combination provides implied market information about the market under consideration. Implied market information can include implied prices and their quantities, which are computed for each combination and used accordingly in displays or used by automated or semi-automated trading tools. | 2012-05-10 |
20120116942 | COMPUTER SYSTEM AND METHOD FOR GENERATING AND EXECUTING ORDERS WITHIN A PRICE RANGE - A computer system and method generate orders to be executed in an electronic exchange, and execute the orders. An order data processor processes order data, and an order transmitter transmits an order to the electronic exchange based thereon. The order data includes at least one price limit which specifies a range of prices that is required for the order to be executed. The order is executable within the price range only. If the order is a buy order, the at least one price limit includes a minimum price to execute the buy order, and if the order is a sell order, the at least one price limit includes a maximum price to execute the sell order. The order is added to an order book for being executed at the end of a call auction. A derivatives trader may thus reduce the risk of having incorrect inventory in an underlier. | 2012-05-10 |
20120116943 | System and Method for Processing Contracts for Conditional and Unconditional Forward Sales of Retail Goods - The invention is directed to a system and method for facilitating the completion of contracts for conditional or unconditional forward sales (CCUFSs) of retail goods via a CCUFS exchange, in combination with a distribution network for taking delivery on completed contracts. The system comprises a CCUFS exchange comprising a networked computing device and at least one database, and a retail distribution network comprising a plurality of retail distribution points. Using the CCUFS exchange, users may post offers to buy and sell on basic futures contracts, put and call options, and secondary sales, as well as more complex derivatives. Offers having similar terms may be pooled together and an inventory rebalancing module may redistribute retail goods or money to sellers that over-deliver or under-deliver. | 2012-05-10 |
20120116944 | System and Method of Electronic Exchange for Residential Mortgages - A method and exchange system for trading individual, whole loans and providing anonymous credit qualification and price negotiation in an open forum. The system includes a server computer configured to receive data representing an estimated tradable range for the at least one whole loan, wherein the estimated tradable range is calculated from the documentation data; transmit, to the at least one seller, the data representing an estimated tradable range; make available to remote bidders, through the at least one network, listing data comprising data relating to the at least one whole loan; receive, from at least one remote bidder, at least one bid for at least one whole loan; and determine, for each of the at least one whole loan, a winning bidder based on the at least one bid received from the at least one remote bidder. | 2012-05-10 |
20120116945 | Method and System for Displaying and Trading Spreads - A trading application can receive price and quantity information for tradeable objects. The trading application can compute implied price and quantity information for spreads of the tradeable objects. Direct and indirect price and quantity information for the spreads can be displayed in a manner that shows the relationship with each other and with the price and quantity information for the tradeable objects. | 2012-05-10 |
20120116946 | Foreign Currency Index - Systems and methods are provided for trading and calculating the composition of foreign currencies indexed financial instruments. The compositions of the financial instruments are determined by calculating a geometric average of the exchange rates of foreign currencies with corresponding competitive weights. The competitive weights for each of the foreign currencies reflects competition between the goods of the United States and a country corresponding to the foreign currency in the markets of third countries. | 2012-05-10 |
20120116947 | Flexible System and Method for Electronic Trading - System, method, and program products offer flexibility to the rather rigid way of trading in an electronic trading system. Orders for a tradeable object may typically get matched according to set terms and/or conditions at an electronic exchange. A trader may log onto the electronic exchange to trade the tradeable object, and may choose to display and trade the tradeable object according to a different set of terms and/or conditions. As such, the market data sent to the trader from the exchange is converted to a format according to the trader's selection, so that it may be presented to the trader in this format. Transaction messages sent to the exchange from the trader are converted to the format readable by the matching process, so that it can process the messages. Other features and advantages are described herein. | 2012-05-10 |
20120116948 | GRAPHIC PROCESSING APPARATUS FOR STOCK/FUTURES TRADING CONDITIONS - The invention relates to a graphic processing apparatus for stock/futures trading conditions is configured by systematically linking and deploying: a computing module capable of deriving various pieces of stock/futures trading information reflecting stock/futures trading conditions by stock/futures trading times and prices, within a communication pipeline at an exchange system; a computing module capable of producing a screen with stock/futures trading times and prices on a horizontal axis and on a vertical axis, and arranging CRIs (Cells for Recording Stock/Futures Trading Information) corresponding to stock/futures trading times and prices in a matrix configuration on the screen; and a computing module capable of generating an ST (Stock/Futures Trading Information Relation Graph Tag) conforming to stock/futures trading information by stock/futures trading times and prices, inputting the generated ST into the CRIs, and inducing the display of stock/futures trading information by stock/futures trading times and prices. | 2012-05-10 |
20120116949 | PROCESSING LOAN TRANSACTIONS - A method includes receiving, from a client, a request for service associated with a loan transaction and determining, by a processor, whether the client is authorized to complete the request. If the client is authorized to complete the request, the request is processed. If the client is not authorized to complete the request, the request is communicated to an administrator, wherein the administrator validates the determined authorization of the request. | 2012-05-10 |
20120116950 | SYSTEM AND METHOD FOR GENERATING A FINANCE ATTRIBUTE FROM TRADELINE DATA - Embodiments of a system and method are described for generating a finance attribute. In one embodiment, the systems and methods retrieve raw tradeline data from a plurality of credit bureaus, retrieve industry code data related to each of the plurality of credit bureaus, determine one or more tradeline leveling characteristics that meet at least one pre-determined threshold, and generate a finance attribute using the selected leveling characteristics. | 2012-05-10 |
20120116951 | SYSTEM AND METHOD FOR CREDIT FORECASTING - Disclosed is a system and method for the automated summarizing and reporting of key credit data elements of a consumer's multiple credit reports into an electronic, condensed, human-readable summary report including those key credit data elements most of interest to a loan originator. The generated electronic summary document displays the consumer's current credit mid-score, a credit mid-score forecast 30 days in the future, a mid-score projection based upon increases in the consumer's revolving debt, and an indication of the presence of negative credit information in the consumer's native credit reports. | 2012-05-10 |
20120116952 | Communication System and Method Between a Home Buyer, Seller, Strategic Business Source, and Lender - A computerized system and method are presented for exchanging information between a buyer, a seller, a lender, and a strategic business source. The system permits sellers, lenders and strategic business sources to input buyers that are then submitted for activation. The buyers use the system to obtain information about items, while the sellers, lenders, and strategic business sources make consistent contact with the buyer in order to work with the buyer. Information about the buyers is shared with the sellers, lenders, and strategic business sources. A business plan is input into the system for the financial institution employing the lender while another business plan is input for the seller institution employing the seller. Activity on the computerized system is calculated for compliance with the business plan. Feedback is provided to management relating to whether the business plan is being met. | 2012-05-10 |
20120116953 | Generation of a Three-Dimensional Virtual Reality Environment From a Business Process Model - A method and computer program product for generating a three-dimensional virtual reality environment from a business process model in a computer system are provided. The method includes analyzing a business process model to identify a plurality of activities and at least one transition criterion between the plurality of activities, where the business process model is unbounded to a physical implementation. The method also includes transforming the business process model into a three-dimensional virtual reality environment with virtual physical constraints, including a plurality of virtual rooms representing the plurality of activities and one or more virtual access points to the virtual rooms representing the at least one transition criterion. The method further includes outputting the three-dimensional virtual reality environment. | 2012-05-10 |
20120116954 | AUTOMATED GLOBAL RISK MANAGEMENT - A computerized risk management method and system for facilitating analysis and quantification of risk associated with a financial transaction. An automated global risk management system maintains a database relating risk variables including world events government advisories, and other information sources with potential risk for a financial institution. The system generates a risk quotient or other rating based upon a weighted algorithm applied to the criteria, wherein the risk quotient is indicative of risk associated with a financial transaction or account. The quotient can be monitored on a periodic basis, during the course of a transaction, or on demand. Actions commensurate with a risk quotient can be presented to a financial institution to help the institution properly manage risk associated with a particular entity or transaction. A log or other stored history can be created such that utilization of the system can mitigate adverse effects relating to a problematic account. | 2012-05-10 |
20120116955 | CHARGING PURCHASES TO UTILITY ACCOUNTS - Charging purchases to utility accounts including a computer program product that stores instructions for implementing a method. The method includes receiving a request from a consumer at an electric vehicle charging station to charge at least one of a purchase of electrical power for electric vehicle (EV) charging and an item other than electrical power to an electrical power utility account. The method also determines if the consumer is authorized to charge the purchase to the electrical power utility account. A transaction denied message is transmitted to the consumer in response to determining that the consumer is not authorized to charge the purchase to the electrical power utility account. The method further includes, in response to determining that the consumer is authorized to charge the purchase to the electrical power utility account: charging the purchase to the electrical power utility account; and transmitting a transaction completed message to the consumer. | 2012-05-10 |
20120116956 | HYBRID MOBILE COMMERCE SYSTEM, APPARATUS, METHOD AND COMPUTER PROGRAM PRODUCT - A method, system, apparatus, and computer program product are disclosed for a hybrid m-commerce system. Cash and electronic payment may be used substantially interchangeably within the hybrid m-commerce system. In one embodiment, cash change received from a transaction may be adjusted using the system. In another embodiment, cash change may be received as a change identifier. In yet another embodiment, a threshold may be defined and utilized to automatically adjust the balance of one or more stored value card account. | 2012-05-10 |
20120116957 | SYSTEM AND METHOD FOR POPULATING A LIST OF TRANSACTION PARTICIPANTS - Embodiments of the invention provide a method of populating a list of transaction participants with the aliases of individuals and entities that can participate in P2P transactions. In some embodiments, the list of transaction participants is a list of payment recipients to whom the user can make P2P payments and the list is populated with a third party's alias. In other embodiments, the list of transaction participants in a list of recipients to whom a third party can make P2P payments and the list is populated with the user's alias. In some embodiments, a method is provided that includes: (1) receiving information associated with a party to a financial transaction with a user; (2) determining, at least partially on the information associated with the party, that the party can participate in a P2P transaction with the user; and (3) populating a list of P2P transaction participants with an alias identifier. | 2012-05-10 |
20120116958 | SYSTEMS, DEVICES AND METHODS FOR ELECTRONICALLY GENERATING, EXECUTING AND TRACKING CONTRIBUTION TRANSACTIONS - A contribution aggregation system enables a user to purchase or otherwise acquire a block of one or more contribution units from which to contribute desired amounts to selected recipients. This may be performed, for example, by the user logging on to a Web site or other system interface provided by the contribution aggregation computer system and then selecting individual recipients to receive selected donation or contribution amounts. These amounts from various different contributors are then aggregated and totaled to enable a single contribution transaction to be made to the recipient including the amounts contributed to the recipient form the various contributors. The current balance of the contributor's block of one or more contribution units is tracked and the contributor may also input or select comments and/or conditions associated with their individual contributions to individual recipients to be sent to the recipient or otherwise published. | 2012-05-10 |
20120116959 | TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers. | 2012-05-10 |
20120116960 | SYSTEM, NON-TRANSITORY MEMORY WITH COMPUTER PROGRAM, AND ASSOCIATED METHODS FOR MICRO-CREDIT TO PREPAID CARDS - A lending institution computer establishes a line of credit coupled to a prepaid card account and makes available draws to the line of credit line in an authorization stream for a proposed purchase using the prepaid card account as payment. When the line of credit is accessed, the prepaid card account is loaded with an additional value of one or more predetermined loan increments so that the prepaid card account then has a new amount totaling a previous amount plus the amount of value of the one or more preselected loan increments and so that the new amount exceeds or equals the value of a proposed purchase. Next, a new value for a line of credit balance available is determined, accounting for value loaded onto the prepaid card account and a predetermined loan advance fee for each loan increment loaded onto the prepaid card account. | 2012-05-10 |
20120116961 | SYSTEM AND METHOD FOR MAKING FUNDS AVAILABLE FOR GAMING - A system for making funds available for gaming which includes a terminal which is configured to read customer information from a card. The terminal includes an input/output unit configured to allow the customer to select a quasi-cash transaction and to generate an order authorizing the quasi-cash transaction. The system also includes a station which is configured to retrieve the order and information verifying the identity of the customer and, when the identity of the customer is verified, is configured to, at the customer's option (1) obtain an electronic endorsement from the customer and place the electronic endorsement in an electronic image or (2) print out a hard copy of a check for endorsement by the customer. | 2012-05-10 |
20120116962 | USING A TRANSACTION CARD ACCOUNT TO MAKE RECURRING LOAN PAYMENTS - Recurring loan payments (e.g., mortgage payments) through a transaction card account is disclosed. Information is received at a transaction account system from a loan company system corresponding to an application received at the loan company system from a requester for a loan involving automatic debits to a transaction card account. A determination is made as to whether the requestor is eligible for the loan to be associated with a transaction card account. If not, the customer receives a communication of rejection. If eligible, a determination is made whether the transaction account system has stored therein a transaction card account of the requester. If no, a transaction card account is opened for the requestor and associated with the loan. If yes, the loan payment is associated with the transaction card account bill. | 2012-05-10 |
20120116963 | Invoicing and electronic billing system and method - Systems, methods, and computer program products are provided for invoicing and electronic billing. Methods include receiving invoicing data from a merchant, identifying a user based on the invoice data, receiving payment instructions from the user, where the payment instructions include an alias, and determining that the merchant is a registered payment recipient based on the alias. In specific embodiments, the invoice data is converted into an electronic bill, and the electronic bill is sent to the user. | 2012-05-10 |
20120116964 | Method and system of transaction cards management through business network - The present invention provides a system and a method for managing transaction cards through a business network, with which, the management and the deposit of transaction cards can be implemented any where and any time without carrying the transaction cards with card holders and without providing card holders' confidential information to card providers, and with which, card holders can manage transaction cards, make deposits and access and update card information of the transaction cards any where and any time without carrying the transaction cards with him/her and without providing card holders' confidential information to card providers, and with which, card providers can manage transaction cards and receive deposits any where and any time without requiring card holders' confidential information, wherein all the activities of transaction cards are recorded and reviewable. | 2012-05-10 |
20120116965 | SYSTEM AND METHOD FOR CONSOLIDATING NETWORK AND TRANSACTION FUNCTIONS ON A COMMUNICATION DEVICE - The present invention relates generally to a smart card device that is configured to facilitate wireless network access and credential verification. Specifically, the device is configured to meet the physical and electrical specification for commercially available mobile devices utilizing a standard Subscriber Identity Module (SIM) for network access. The device combines the features of the SIM with Common Access Card or Personal Identity Verification card features to allow a network subscriber to invoke secure payment transactions over a carrier's network. The system includes data storage for maintaining a plurality of network and transaction instrument profiles and a profile gateway for receiving transaction information from a payment gateway, sending an authorization request to a user's mobile device, receiving a transaction authorization from the mobile device, and sending transaction information to a payment gateway to finalize the payment transaction. | 2012-05-10 |
20120116966 | METHOD AND SYSTEM FOR MULTIUSE REDEMPTION CARDS - A multiuse redemption card enables a purchaser to provide the multiuse redemption card to a recipient for a defined amount and delay payment until the recipient uses the redemption card. The delayed payment can be incremental up to the defined amount so that the recipient can use the card multiple times. | 2012-05-10 |
20120116967 | Mobile payment system and method - System, method, and computer program product are provided for a user to send and receive P2P payments using a mobile device. Through the use of the mobile device, a user may access his/her accounts at a financial institution and direct payments to a third-party using an alias. The user may ensure a secure payment to a third-party through the network associated with a financial institution. Payments may be directed to individuals the user may input into the system by providing the individual's alias. An alias may be a unique identifier of an individual and tied to a financial account of that individual. The sender of the P2P payments may input the recipient's alias and transfer funds via the P2P payment system without having to input the recipient's account information. This invention allows a user to receive and provide payments for transactions utilizing the convenience of a mobile device. | 2012-05-10 |
20120116968 | Systems and Methods for Implementing Person-To-Person Money Exchange - A system conducts online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. Each user establishes an online account, which is used to transfer funds to and from other online accounts. Any user may initiate a send money transaction or a request payment transaction with any other entity provided that entity has an e-mail address. The online fund transfer may include a verification of a user's information including verifying a mailing address. | 2012-05-10 |
20120116969 | Interactive Bill Payment Center - A software suite that provides a bill-payment module and comprises an interactive main interface listing bills due and payment accounts, an interactive history link, an interactive set-up link embedded in the main interface, an interactive transfer-funds link, an interactive calendar link, a plurality of interactive drop-down menus providing upon invocation a plurality of selectable, interactive options for treating the listed bill and an interactive refresh-all link embedded in the main interface. | 2012-05-10 |
20120116970 | REMITTANCE SYSTEM WITH IMPROVED SERVICE FOR UNBANKED INDIVIDUALS - A service provider computer receives a request for a transfer of funds from a sender to a recipient. The service provider computer makes a data record about the transaction available to a receiving financial institution. The receiving financial institution receives a visit from the recipient, issues a new payment card account to the recipient, and communicates the account number for the new account to the service provider computer. The service provider computer initiates a payment transaction in a payment card system to route the requested funds transfer from a payment card account belonging to the sender to the newly issued payment card account for the recipient. | 2012-05-10 |
20120116971 | PROCESSING LOAN TRANSACTIONS - A method includes receiving, at a client access module, a request from a client to process a loan transaction, wherein the request is associated with a particular loan system. The method also includes determining, by a processor, the particular loan system associated with the request, determining one or more rules associated with the request and a selected one of the client access module and the particular loan system, and applying, by the processor, the one or more determined rules to the request using the account information. | 2012-05-10 |
20120116972 | Electronic Payment Orders - Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for generating and clearing electronic payment orders. In one aspect, a method includes generating an electronic payment order using a computer. Signature data authorizing the electronic payment order is electronically captured. The signature data includes a stroke pattern of a user signature and is captured substantially concurrently with generating the electronic payment order. The electronic payment order and the electronically captured signature are transmitted to an entity authorized to receive payment based on the electronic payment order. | 2012-05-10 |
20120116973 | Online payment system and method - System, method, and computer program product are provided for a user to send and receive P2P payments using the Internet. Through the use of a network, a user may access accounts the user has at a financial institution and direct payments to other individuals or entities using the other individuals or entities alias. In this way, the user may ensure a secure payment to a third-party through the network associated with a financial institution. The payments may be directed to individuals the user may input into the system by providing the user's alias. A user's alias may be a unique identifier of the user and tied to a financial account of that user. In this way, the sender of the P2P payments may input the recipient's alias and transfer funds via the P2P payment system without having to input the recipient's account information. | 2012-05-10 |
20120116974 | SYSTEMS AND METHODS FOR RISK TRIGGERING VALUES - Systems and methods for facilitating risk assessment for point of sale transactions utilizing at least one risk triggering value (RTV) is disclosed. An RTV is a condensed version of a set of complex risk data and strategies usually found in central processing sites. After receiving a request for payment authorization, a risk value is calculated for the request. The distributed processing site compares the risk value to the RTV to determine whether to authorize payment. If the risk value is less than or equal to the RTV, the payment is authorized while a risk value greater than the RTV will not be authorized. The central site calculates a new RTV for the account and distributes the new RTV to the distributed processing site. | 2012-05-10 |
20120116975 | SYSTEM AND METHOD UTILIZING DEVICE INFORMATION - A method for correlating information received directly from an access device operated by a user, and information from a merchant server is disclosed. The method includes receiving, at a server computer of a non-merchant entity, device information specifically associated with an access device directly from the access device, and also receiving, at the server computer of the non-merchant entity, transaction information from a merchant server. The server computer then correlates and collected information and can perform additional processing. | 2012-05-10 |
20120116976 | VERIFICATION OF PORTABLE CONSUMER DEVICE FOR 3-D SECURE SERVICES - Apparatuses, methods, and systems pertaining to the verification of portable consumer devices for 3-D Secure Systems are disclosed. In one implementation, a verification token is coupled to a computer by a USB connection so as to use the computer's networking facilities. The verification token reads identification information from a user's portable consumer device (e.g., credit card) and sends the information to a validation entry over a communications network using the computer's networking facilities. The validation entity applies one or more validation tests to the information that it receives from the verification token. If a selected number of tests are passed, the validation entity sends a 3-D Secure datum to the verification token. The verification token may enter the 3-D Secure datum into a hidden field of a Purchase Authentication Page appearing on the computer's display. | 2012-05-10 |
20120116977 | METHODS AND APPARATUS FOR PREVENTING FRAUD IN PAYMENT PROCESSING TRANSACTIONS - A method includes receiving an authorization request for a purchase transaction, and determining whether the authorization request arose from proximity-reading a proximity payment device. The method further includes mapping a first account number included in the authorization request into a second account number associated with the first account number if it is determined that the authorization request arose from proximity-reading a proximity payment device and if the first account number is qualified for mapping. In addition, the method includes transmitting the authorization request to an issuer financial institution with the second account number substituted for the first account number in the authorization request. | 2012-05-10 |
20120116978 | METHOD OF AND SYSTEM FOR SECURELY PROCESSING A TRANSACTION - A method of securely processing a transaction includes storing a plurality of encrypted financial transaction instrument identifiers in a memory wherein there is no decryption key for these stored in the memory and further wherein the encrypted financial transaction instrument identifiers are each associated with a mobile communications device. Receiving at a server a request to process a transaction, the request including an identification of a mobile communications device. Retrieving from the memory the encrypted financial transaction instrument identifier associated with the mobile communications device identified in the request. Transmitting the retrieved encrypted financial transaction instrument identifier to the mobile communications device. Receiving from the mobile communications device transaction data and using the received transaction data to effect a financial transaction. | 2012-05-10 |
20120116979 | Enabling Communication Between, and Production of Content By, Rights Holders and Content Producers - A content exchange service facilitates communication between, and production of content by, holders of rights in content titles and producers of content. The content exchange service receives content profiles from various rights holders and surfaces the content profiles to producers for purposes of soliciting auditions to produce the content subject of the content profiles in an alternative form. The rights holder can review the auditions submitted by producers and establish communication with the producer of the audition the rights holder liked via the content exchange service. The content exchange service can then facilitate negotiation of an agreement between the rights holder and the producer for production of the content in an alternative form. Following finalization of the agreement, the producer may submit a complete production of the content in the alternative form to the content exchange service, which in turn presents the complete production to the rights holder for approval. | 2012-05-10 |
20120116980 | LONG TERM WORKFLOW MANAGEMENT - A workflow may be moved from one provider to another provider by extracting the metadata from an executing workflow describing the workflow state as part of dehydrating the workflow, and transferring the metadata to a second workflow and rehydrating the workflow at a second provider. An automated workflow manager may determine when to move the workflow and may facilitate moving with or without human intervention. When a workflow is moved from one provider to another, the workflow state may be moved without transferring executable code that executes the workflow. | 2012-05-10 |
20120116981 | METHODS AND SYSTEMS FOR MAINTAINING PRIVACY OF CUSTOMER CARE METRICS - Systems and methods consistent with the invention relate to providing customer care metrics. According to one exemplary embodiment, a computer-implemented method for generating customer care metrics associated with a terminal device is disclosed. The method receives a first set of customer care data including identity information of the terminal device. The method electronically integrates the first set of customer care data with a second set of customer care data collected from the terminal device, to produce a set of integrated data. The method also removes the identity information from the set of integrated data, and generates customer care metrics based on the integrated data. | 2012-05-10 |
20120116982 | METHOD AND SYSTEM FOR ESCALATING CONTENT OF DISCUSSIONS TO PARTICULAR MEMORY LOCATIONS - In this specification, online communities also referred to as forums, are used as a customer support tool. Users of the forum post questions and replies. In some embodiments users can vote on the replies. The authorized personnel can add an entry in a database based on the forum content. In an embodiment, such an entry could be in customer case management system when a question is not well answered or not answered at all and needs attention of customer support agent. In another embodiment, the entry could be in a knowledge base management system when a question is well answered and is considered to be potentially useful for many forum users. Any of the above embodiments can be used independently or together with any combination of other embodiments. | 2012-05-10 |
20120116983 | SYSTEM AND METHOD FOR REAL ESTATE INVENTORY MANAGEMENT - A system and method of real estate inventory management includes providing, to a client system, data identifying one or more units of real estate that are available for sale; receiving a reservation request identifying a unit that is available for sale; receiving, at the server system, purchasing data for a reservation fee for the identified unit of real estate; processing a deposit in the amount of the reservation fee for the identified of real estate using the purchasing data; verifying that the deposit for the identified unit record processed; and updating the reservation status of the identified unit of real estate to indicate that the unit of real estate is not available for sale. | 2012-05-10 |
20120116984 | AUTOMATED EVALUATION OF COMPLIANCE DATA FROM HETEROGENEOUS IT SYSTEMS - Compliance-relevant data from external systems comprising managed entities can be received, stored, processed, transformed and evaluated in an automated fashion. Compliance reporting can be generated dynamically to reflect the most current regulations, guidance and system operating conditions. Compliance data from external systems can be converted into a unified format compatible with a compliance management schema. A series of transformations can be applied to the compliance-relevant data. A compliance threshold can be provided to the compliance management system and compliance scoring can be provided. | 2012-05-10 |
20120116985 | METHODS FOR GENERATING HEALTHCARE PROVIDER QUALITY AND COST RATING DATA - A method for generating healthcare provider quality rating data includes grouping claim records into one or more claim groups, assigning each claim group to a responsible provider, assessing the claim records in each claim group using guidelines for the particular disease or condition, and generating a compliance score for the claim group, wherein the compliance score indicates the extent to which the claim records in the claim group match the guidelines, and generating normalized provider quality rating data. A method for generating healthcare provider cost rating data includes grouping claim records into one or more claim groups, assigning each claim group to a responsible provider, calculating the total cost of each claim group, aggregating the total cost for each claim group, and comparing the total aggregate cost of each claim group assigned to each provider to an expected cost value. | 2012-05-10 |
20120116986 | System and Method for Integrating Medical Treatment Guidelines with Real-Time, Ad-Hoc, Community Generated Commentary to Facilitate Collaborative Evidence-Based Practice - A system and method for automatically integrating real-time, ad-hoc, community generated commentary such as comments, notes, observations, and anecdotal data in any human perceptible form with medical treatment guidelines (otherwise known as “clinical guidelines”, “clinical protocols”, or “clinical practice guidelines”) to create a display that shows the medical treatment guideline alongside the commentary. The present invention employs a server with a database capable of receiving and displaying commentary from local or remote users via a network, such as the Internet using various terminal devices such as a computers, smartphones, or tablets. The present invention provides an accessible, dynamically revised stream of commentary thus creating an evolving resource in which infrequently revised medical treatment guidelines are supplemented with commentary in real-time. The utilization of medical treatment guidelines by health-care providers now characterized as “evidence based medicine” or “evidence based practice” is thus advanced constituting what is termed as “collaborative evidence-based practice.” | 2012-05-10 |
20120116987 | Dynamic Process Modeling Assembly and Method of Use - A method for modeling a process comprising receiving a first formatted data input representing a process element and a second formatted data input representing a process element, executing a simulation and determining a measure representing the simulation of the process element given the entity element. In some embodiments, the process element represents a business process and the entity element represents a resource unit and the simulation comprises a temporal simulation. Some embodiments further comprise the measure being a completeness measure associated with a decay rate or a repair rate. Some embodiments also include the measure comprising an information product completeness measure. Some embodiments also include automatically determining the process element and the entity element. Systems, to include processor based embodiments having a computer program product to perform the methods are also disclosed. | 2012-05-10 |
20120116988 | Expected utility maximization in large-scale portfolio optimization - A system and method efficiently solve the expected utility maximization problem in large-scale financial asset portfolio optimization. The system and method solve the expected utility maximization problem employing a factor representation of asset returns. Additionally, the system and method calibrate the optimization model to a benchmark to obtain unconditional mean returns and enable active management based on conditional expected return predictions. The system and method also enable options to be considered as part of the portfolio. | 2012-05-10 |
20120116989 | METHOD AND SYSTEM FOR EVALUATING/ANALYZING PATENT PORTFOLIO USING PATENT PRIORITY APPROACH - A method and a system for evaluating/analyzing patent portfolio using patent priorities are provided for selecting a patent family to establish a data set based on members of the patent family and priorities claimed by the members, forming a relationship matrix based on the members and the priorities claimed by the members in the data set and at last, and analyzing a relationship between the members of the patent family and the priorities claimed by the members of the patent family through the relationship matrix to form an analysis result and then, performing patent evaluation patent portfolio according to the analysis result. Accordingly, a patentee having numerous patents may quickly know what patents have high importance, high value and high techniques and the patentee or his competitor is facilitated to perform patent evaluation, patent portfolio, patent application and patent maintenance. | 2012-05-10 |
20120116990 | SYSTEM AND METHOD FOR ALLOCATING ASSETS AMONG FINANCIAL PRODUCTS IN AN INVESTOR PORTFOLIO - A computerized method and system for allocating assets among a plurality of financial products for an investor portfolio includes calculating a solution space of financial vehicle combinations by assigning allocations to each financial vehicle in each financial vehicle combination and generating a set of simulations, for each of the vehicle combinations, of a value of the financial vehicle combination. The computerized method and system further includes receiving investor-specific information, the investor-specific information including a retirement objective. The method and system further includes selecting a set of financial vehicle combinations within the solution space based on the received investor-specific information; and allocating assets among the plurality of financial products based on the set of selected financial vehicle combinations and received investor-specific information. | 2012-05-10 |
20120116991 | RATE BENCHMARKING TOOL FOR FEE-BASED AND MANAGED ACCOUNTS - A computer for displaying an evaluation tool for evaluating a proposed fee on behalf of a professional, including a memory having at least one region for storing computer executable program code and a processor for executing the program code stored in the memory. The program code includes code for receiving a product type for a proposed client account, a proposed fee for the proposed client account, and at least one of the following numerical parameters: (i) an account asset amount for the proposed client account, (ii) a relationship asset amount for the proposed client account, and (iii) a breakdown of components in an asset mix for the proposed client account. A range of historical fees of the nearest neighbor historical accounts is shown on a graph from lowest to highest, and the proposed fee is shown on the graph relative to the nearest neighbor historical fees. | 2012-05-10 |
20120116992 | System and Method for Analyzing Investments - An online investment advisory and management tool providing a system, method and apparatus for analyzing the actual cost of ownership, over time, of mutual funds and comparing those costs to the costs associated with a determined comparable exchange traded fund(s) (ETFs). The method includes an analysis of investment costs and the implicit asset allocation of the funds entered. According to one method, a user inputs mutual fund information into a client and the data is sent to a server. In an alternative embodiment, the user entitles the client to determine actual account information from a third party communicating with the user's financial institution(s). The server analyzes the mutual funds, and determines comparable ETFs. Alternatively, the user may select ETFs. After an ETF is determined, the system provides an analysis of the costs and performance of the mutual funds and the comparable ETFs and estimates the total cost of ownership. The embodiments further include a marketing tool. | 2012-05-10 |
20120116993 | INVESTMENT MANAGEMENT SYSTEM AND METHOD - Investment management systems and methods are disclosed that solve an objective function subject to certain investment constraints to calculate a set of assets for an investment portfolio. In certain embodiments, the systems and methods comprise selecting from a plurality of assets a set of assets that improves net expected returns over a current set of assets in a portfolio. The systems and methods use asset-asset interaction decoupling techniques to eliminate matrix-inversion programming. In certain embodiments, with a function comprising net expected returns of the assets, a portfolio constraint, and a Lagrange multiplier, one or more correlations between assets can be removed such that each asset can be processed independently of other assets. | 2012-05-10 |
20120116994 | Dynamic Portfolio Monitoring - Michaud rebalance probabilities are renormalized in the case of successive datasets, historical or simulated, where partial commonality of information is imputed to the two datasets. Two separate sets of optimization inputs correspond to a stochastic process and optimization subject to a set of constraints making the optimization analytically intractable. A subset of data drawn on the basis the first optimization input is recursively replaced with data sampled from the second optimization input, the extent of replacement governed by the extent of common information. A set of rebalance probabilities is calculated, and the L | 2012-05-10 |
20120116995 | Redemption of Derivative Secured Index Participation Notes - Techniques are described for securitizing, administrating and trading various index shares securitized by derivative, cash-settled instruments on the underlying index. | 2012-05-10 |
20120116996 | METHOD AND SYSTEM FOR ANALYZING INVESTMENT INFORMATION - An information processing apparatus and associated method for analyzing investment information. An input unit receives a financial request and one or more investment variables relating to the financial indicator and a description vector unit generates at least two vectors containing the one or more investment variables based on the financial request. A description vector similarity unit then calculates a similarity value by comparing the at least two vectors and an investment analysis unit analyzes the similarity value and the financial request, and determines investment advice based on results of the analysis. | 2012-05-10 |
20120116997 | OTC Options on Actively Managed Portfolios in Grantor Retained Annuity Trusts (GRATs) - A method and apparatus for controlling the volatility experienced by a grantor using a grantor retained annuity trust (GRAT) or the like provides a fund that may sell call spreads to the GRAT and shares in the fund to the grantor. Countervailing value movements in the fund and the value of the call spreads may be adjusted to control volatility and provide more certainty in the calculation of the grant annuity stream. | 2012-05-10 |
20120116998 | Method and Apparatus for Processing Financial Information at Hardware Speeds Using FPGA Devices - A method and apparatus use a reconfigurable logic device to process a stream of financial information at hardware speeds. The reconfigurable logic device can be configured to perform data processing operations on the financial information stream. Examples of such data processing operations include data processing operations to compute a latest stock price, a minimum stock price, and a maximum stock price. | 2012-05-10 |
20120116999 | SYSTEM AND METHOD FOR PROCESSING DATA RELATED TO FINANCIAL INSTRUMENTS FOR PROVIDING DEFERRED INCOME - A computer system for processing data related to financial instruments for providing deferred income includes a data storage device storing data relating to financial instruments representing a right to receive a fixed amount at fixed intervals for a lifetime commencing at a fixed start date, and, for classes of financial instruments, a price of the instrument, the fixed amount, interval and start date. The system further includes a processor configured to receive via a communication module data indicative of a request to purchase financial instruments, including a payment amount, age of the individual purchaser, and to determine, based on the received payment amount and age data, a number and class of the financial instruments for issue to the individual purchaser and to output data for generation of the determined number and class of the financial instruments for issue to the individual purchaser. | 2012-05-10 |
20120117000 | MANAGING CONSISTENT INTERFACES FOR CREDIT PORTFOLIO BUSINESS OBJECTS ACROSS HETEROGENEOUS SYSTEMS - A business object model, which reflects data that is used during a given business transaction, is utilized to generate interfaces. This business object model facilitates commercial transactions by providing consistent interfaces that are suitable for use across industries, across businesses, and across different departments within a business during a business transaction. In some operations, software creates, updates, or otherwise processes information related to a credit portfolio model, a credit portfolio analytical result, a credit portfolio management process control, a financial instrument exposure profile analytical result, and/or a material supply and demand allocation business object. | 2012-05-10 |
20120117001 | SYSTEM AND METHOD FOR REMOVING CUSTOMER PERSONAL INFORMATION FROM AN ELECTRONIC DEVICE - A system and method for processing electronic devices to determine removal of customer personal information (CPI). An electronic device is connected to a test device. A number of electronic devices including the electronic device are received for determining that the CPI is removed from a number of sources. The number of electronic devices include a number of makes and models of electronic devices. A determination of whether CPI is included on the electronic device is made. An identification of the electronic device is recorded in response to determining that CPI is included on the electronic device. The CPI is cleared form the electronic device in response to determining that the CPI is included on the electronic device. The identification of the electronic devices and metadata is reported in response to determining the CPI was included on the electronic device. | 2012-05-10 |
20120117002 | MARKET-TARGETED PATENT APPLICATION OF ENHANCED COMMERCIAL EFFECTIVENESS AND VALUE AND METHODS FOR PREPARING THE PATENT APPLICATION USING INVENTION MARKET ANALYSIS - A market-targeted patent application of enhanced commercial effectiveness and value, as well as methods for preparing the market-targeted patent application using invention market analysis, is disclosed. In preparing a patent application, invention market analysis of a proposed invention is used, in addition to the invention disclosure of the proposed invention, so as to target the patent application towards the invention's primary and most promising markets. Invention market analysis can affect patent strategy, invention description, patent claims, and/or other key aspects of a patent application, also potentially reshaping the invention's scope in the process. In some embodiments, the proposed invention is clarified by prior art analysis, and/or defined by standard claims. In key embodiments, market-targeted claims are drafted in light of invention market analysis, thereby serving as the foundation for a market-targeted patent application. If the invention is modified in light of invention market analysis, additional disclosure is obtained as needed. | 2012-05-10 |
20120117003 | Geoengineering Method Of Business Using Carbon Counterbalance Credits - A business method for providing an emissions trading approach value to products and services that provide active cooling of the Earth that provides a sustainable means for global cooling strategies to achieve commercial value, in order to drive development and real-world application of these approaches, comprising the steps of manufacturing a light-scattering nanoparticle ( | 2012-05-10 |
20120117004 | REGIONAL WILD BIRD FOOD MIXTURES - Bird feed mixtures intrinsically attractive to desirable birds in a particular region (e.g., northeast, southeast, midwest, southwest, and west) and which attract more desirable birds than other bird feed mixtures. The bird feed mixtures comprise black oil sunflower seeds, sunflower chips, NYJER® seed (niger oilseed), and peanuts in combination with cherries and pumpkin seeds; cherries, pumpkin seeds, and safflower; blueberries and pumpkin seeds; blueberries, pumpkin seeds, and safflower; canola seed and cherries; canola seed, cherries, and safflower; almonds and millet, or almonds, red millet, and safflower. | 2012-05-10 |
20120117005 | SYSTEM AND METHOD FOR PROVIDING DISTRIBUTED INTELLIGENT ASSISTANCE - A system and a method for a service engine providing distributed intelligent assistance to a user are described herein. The method comprising steps of receiving and displaying a user inquiry from the user, the user inquiry having a linguistic pattern including a verb; generating and displaying a follow up question based on the user inquiry; receiving and displaying a follow up answer from the user; and generating and displaying a response based on the user inquiry and the follow up answer. | 2012-05-10 |
20120117006 | METHOD AND APPARATUS FOR BUILDING A USER BEHAVIOR MODEL - An apparatus may include a monitoring module configured to monitor user interactions by a user with applications. A contextual characteristics determiner may determine one or more contextual characteristics relating to the user interactions, and the contextual characteristics may be categorized based on an ontology model. Thereby, a data model builder may build a user behavior model for the user based at least in part on the user interactions and the contextual characteristics. The apparatus may provide for private storage of the user behavior module. A recommendation module may issue a recommendation, which may be mapped to one of the applications, based at least in part on the user behavior model. The recommendation may be issued in response to a query from a query module. The query may include current contextual characteristics of the user and/or the apparatus. | 2012-05-10 |
20120117007 | Systems and Methods to Facilitate Local Searches via Location Disambiguation - Systems and methods use machine learning techniques to resolve location ambiguity in search queries. In one aspect, a dataset generator generates a training dataset using query logs of a search engine. A training engine applies a machine learning technique to the training dataset to generate a location disambiguation model. A location disambiguation engine uses the location disambiguation model to resolve location ambiguity in subsequent search queries. | 2012-05-10 |
20120117008 | Parallel Processing Of Data Sets - Systems, methods, and devices are described for implementing learning algorithms on data sets. A data set may be partitioned into a plurality of data partitions that may be distributed to two or more processors, such as a graphics processing unit. The data partitions may be processed in parallel by each of the processors to determine local counts associated with the data partitions. The local counts may then be aggregated to form a global count that reflects the local counts for the data set. The partitioning may be performed by a data partition algorithm and the processing and the aggregating may be performed by a parallel collapsed Gibbs sampling (CGS) algorithm and/or a parallel collapsed variational Bayesian (CVB) algorithm. In addition, the CGS and/or the CVB algorithms may be associated with the data partition algorithm and may be parallelized to train a latent Dirichlet allocation model. | 2012-05-10 |
20120117009 | CONSTRUCTING A BAYESIAN NETWORK BASED ON RECEIVED EVENTS ASSOCIATED WITH NETWORK ENTITIES - Records of events associated with network entities in a network environment are received, where the network entities are selected from hardware entities, software entities, and combinations of hardware and software entities. The records of the events are identified to identify relationships between events associated with different ones of the network entities, where the records of the events identify corresponding network entities impacted by the events. A Bayesian network is constructed based on the analyzing, wherein the constructed Bayesian network is able to make predictions regarding relationships between events associated with the network elements. | 2012-05-10 |
20120117010 | DEVICE FOR CLASSIFYING DEFECTS AND METHOD FOR ADJUSTING CLASSIFICATION - Disclosed is a technique wherein an object that requires adjustment in order to increase the reliability of automatic classification can be easily identified. A device ( | 2012-05-10 |
20120117011 | CONTROL SYSTEM FOR PLANT - A control system for a plant e.g. as a non-linear system, which is capable of properly suppressing interaction occurring between a plurality of control inputs and a plurality of controlled variables, thereby making it possible to properly control the controlled variables and easily design the control system. In the control system, each of a plurality of interaction suppression parameters for correcting the control inputs, respectively, such that the interaction is suppressed is calculated using a neural network constructed by using, out of the plurality of control inputs, a control input other than a control input corrected by a calculated interaction suppression parameter, as an input, and the interaction suppression parameter as an output. | 2012-05-10 |
20120117012 | Spike-timing computer modeling of working memory - Working memory (WM) is part of the brain's memory system that provides temporary storage and manipulation of information necessary for cognition. Although WM has limited capacity at any given time, it has vast memory content in the sense that it acts on the brain's nearly infinite repertoire of lifetime memories. As described, large memory content and WM functionality emerge spontaneously if the spike-timing nature of neuronal processing is taken into account. The memories are represented by extensively overlapping groups of neurons that exhibit stereotypical time-locked spatiotemporal spike-timing patterns, called polychronous patterns. Using computer-implemented simulations, associative synaptic plasticity in the form of short-term STDP selects such polychronous neuronal groups (PNGs) into WM by temporarily strengthening the synapses of the selected PNGs. This strengthening increases the spontaneous reactivation frequency of the selected PNGs, resulting in irregular, yet systematically changing elevated firing activity patterns consistent with those recorded in vivo during WM tasks. The computer-implemented model implements the relationship between such slowly changing firing rates and precisely timed spikes, and also reveals a novel relationship between WM and the perception of time on the order of seconds. | 2012-05-10 |
20120117013 | METHOD AND SYSTEM FOR SELECTING A SYNCHRONOUS OR ASYNCHRONOUS PROCESS TO DETERMINE A FORECAST - In accordance with embodiments, there are provided mechanisms and methods for selecting a synchronous or asynchronous process to determine a forecast. These mechanisms and methods for such synchronous; asynchronous process selection can enable embodiments to determine forecasts for multiple users (e.g. with hierarchical relationships, etc.) over an arbitrary time interval. The ability of embodiments to provide forecasts that involve such a large amount of data in an effective way can enable forecasting that was otherwise infeasible due to resource limitations. | 2012-05-10 |
20120117014 | METHOD AND SYSTEM FOR SELECTING A SYNCHRONOUS OR ASYNCHRONOUS PROCESS TO DETERMINE A FORECAST - In accordance with embodiments, there are provided mechanisms and methods for selecting a synchronous or asynchronous process to determine a forecast. These mechanisms and methods for such synchronous/asynchronous process selection can enable embodiments to determine forecasts for multiple users (e.g. with hierarchical relationships, etc.) over an arbitrary time interval. The ability of embodiments to provide forecasts that involve such a large amount of data in an effective way can enable forecasting that was otherwise infeasible due to resource limitations. | 2012-05-10 |
20120117015 | METHOD AND APPARATUS FOR PROVIDING RULE-BASED RECOMMENDATIONS - An approach is provided for providing rule-based recommendations. A recommendation platform determines one or more contexts for at least one level of a hierarchy of one or more context parameters. The hierarchy reflects different granularities of the one or more context parameters. The recommendation platform determines to generate at least one rule set based, at least in part, on the one or more contexts and then determines to include the at least one rule set in the hierarchy for generating recommendation information for one or more applications. | 2012-05-10 |
20120117016 | AUTONOMOUS INTELLIGENT CONTENT ITEMS - One embodiment of the disclosure provides a storage unit of digitally encoded information stored on a non-transitory storage medium. The storage unit can be referred to as an intelligent content item. The intelligent content item can include an intelligent wrapper, content data, and intelligent functions. The intelligent wrapper can enable the intelligent content item to function as a self-managing unit of storage. The content data can be contained within the intelligent wrapper. The intelligent functions can be contained within the intelligent wrapper. The intelligent functions can represent abilities of the intelligent wrapper to autonomously and dynamically manage a state of the intelligent content item and manage specifics for content consumers to access and utilize the content data. | 2012-05-10 |
20120117017 | SYNCHRONIZATION GUIDES FOR GROUP VIDEO WATCHING - Systems and methods are disclosed for recommending items in a video series to a group of viewers. In general, video series item recommendations are generated for a viewer group detected within a viewing area of a media device based on personal viewing histories of users in the viewer group. In one embodiment, the video series item recommendations are recommendations for video series items that: (a) are from one or more video series historically viewed by at least a first predefined minimum threshold number of users in the viewer group and (b) have not yet been viewed by any of at least a second predefined minimum threshold number of users in the viewer group. The video series item recommendations are then provided to the viewer group. | 2012-05-10 |
20120117018 | METHOD FOR THE SYSTEMATIC EVALUATION OF THE PROGNOSTIC PROPERTIES OF GENE PAIRS OF MEDICAL CONDITIONS, AND CERTAIN GENE PAIRS IDENTIFIED - A method is proposed identification of pairs of genes for which the respective gene expression values in a subject are statistically significant in relation to a medical condition, for example cancer, or more particularly breast cancer. Many pairs of genes are generated, and for each pair of genes clinical data is used to fit a statistical model to obtain the statistical significance of the ratio of the corresponding expression values. The clinical data characterizes for each of the patients the level of expressions of the genes and times until a clinical endpoint of interest. | 2012-05-10 |
20120117019 | RELATIONSHIP ANALYSIS ENGINE - A relationship analysis engine includes a controller and a data miner to mine relationship information on a network. Sender nodes can be determined by the data miner or otherwise manually defined. Recipient nodes can be determined by the data miner or otherwise manually defined. An actionable analytics section analyzes messages that are transmitted between the sender nodes and the recipient nodes. The actionable analytics section produces historical analytics, real-time analytics, and predictive analytics associated with at least one relationship based on the analyzed transmitted messages and the mined relationship information. A relationship indicator is produced and displayed to represent the past, present, and predictive quality of relationship values associated with a relationship. The quality of relationship value can be determined, in part, by scores associated with waypoints in transitions between one quality of relationship value to another. | 2012-05-10 |
20120117020 | METHOD AND APPARATUS FOR SMART INDIVIDUAL HEALTH MONITORING - Embodiments of the invention relate to use of sensors for monitoring and gathering data and applications for processing and communicating the gathered data in real-time. The sensor data provides an insight into the daily activities of the user. Analysis of the data supports maintenance of health on a granular level. For each sensor, data is gathered and processed in real-time, including correlating the sensor data with an electronic events schedule. An analysis of the data is then communicated to the user in real-time. Data output is used to pro-actively notify, predict, and/or identify when the user needs to take an action to maintain the current or future sensor data within defined limits. | 2012-05-10 |
20120117021 | METHOD AND SYSTEM FOR RECOMMENDING A DECISION BASED ON COMBINED ENTITY MODELING - A method for improved, automated analysis of a data set improves the reliability of the data set by comparing the data set with a model of similar data. The method may be used in applications such as medical imaging, clinical trial participant selection, marketing, security, traffic control, and other applications. | 2012-05-10 |
20120117022 | METHOD AND SYSTEM FOR VERIFYING DATA ACCURACY - Presented is a method and system for verifying data accuracy. The method includes defining various steps of a data flow process, specifying data structure details at each step of the data flow process by metadata, providing at least one column dedicated for auditing in every table of a data warehouse involved in the data flow process, logging details related to a task execution at each step of the data flow process in the at least one column dedicated for auditing, storing the details related to a task execution along with data structure details and providing a visual representation of the stored details. | 2012-05-10 |
20120117023 | METHOD AND DEVICE FOR ONTOLOGY EVOLUTION - The present invention is related to a method for modifying a mapping from at least one application path of a data system to a conceptual path of an ontology system, said application path addressing a part of the structure of the data system and said conceptual path addressing a part of the structure of the ontology system. The method comprises the steps of: detecting a change to a part of the structure of the ontology system one or more of the conceptual paths is addressing; updating the mappings to reflect the change to the part of the structure of the ontology system. | 2012-05-10 |