| 23rd week of 2009 patent applcation highlights part 52 |
| Patent application number | Title | Published |
|---|
| 20090144115 | SYSTEM AND METHOD FOR PROVIDING FACILITIES MANAGEMENT BASED ON WEATHER VULNERABILITY - An approach is provided for managing facilities (e.g., wire centers) based on weather vulnerability analysis. Data representing trouble tickets associated with a plurality of facilities is received. Weather information relating to the facilities is received. A determination is made of the vulnerability of the facilities to weather based on the data and the weather information. The facilities are prioritized based on the determined vulnerability. Preventative maintenance activities (as well as financial forecasts) can be performed for one or more of the facilities based on the prioritization of the facilities. | 2009-06-04 |
| 20090144116 | SYSTEM, METHOD, AND APPARATUS FOR COLLABORATIVE WATERSHED RESTORATION PROJECTS - Embodiments of the present invention provide for systems, apparatuses, and methods for collaborative watershed restoration projects, which may include one or more restoration actions involving a variety of different stakeholders that, when completed, provides a positive contribution to the ecological health of at least one watershed. Other embodiments may be described and claimed. | 2009-06-04 |
| 20090144117 | AUTOMATICALLY PRESCRIBING TOTAL BUDGET FOR MARKETING AND SALES RESOURCES AND ALLOCATION ACROSS SPENDING CATEGORIES - A facility for automatically prescribing, for a distinguished offering, an allocation of resources to a total marketing budget and/or individual marketing activities is described. | 2009-06-04 |
| 20090144118 | METHOD FOR MANAGING A TRANSITION PERIOD DURING REPLACEMENT OF SOFTWARE OR BUSINESS PROCESS - A method for managing a transition period during which a software application is replaced in a commercial organization is provided. The method comprises the steps of: providing a transition plan for execution during the transition period; providing a contingency plan to allow for contingency responses in case of unexpected events occurring during the execution of said transition plan; confirming readiness of at least part of the transition plan and the contingency plan; and carrying out the transition plan. | 2009-06-04 |
| 20090144119 | BUSINESS PROCESS FLOWCHART EDITING PROGRAM AND BUSINESS PROCESS FLOWCHART EDITING METHOD - A business process flowchart editing apparatus manages information about a business process flowchart and risks and controls, and their relation into a business process model in a unified manner, and is provided with an editing function of editing these pieces of information and an analyzing function of inconsistency check and analysis on a change ripple, thereby increasing efficiency in documentation of internal control. | 2009-06-04 |
| 20090144120 | System and Method for Evolving Processes In Workflow Automation - A system, a method, computer-readable medium for conveying software, or business methods for gradually automating a workflow in a configuration change management system by providing a first workflow template having a relatively low level of automation and complexity in which at least a plurality of tasks require manual input, manual response, or manual approval, operating the first workflow by a workflow automation system engine, monitoring a measurement of the maturity level of the process during the operation the first workflow, and responsive to detecting the maturity level meeting pre-determined benchmark, automatically selecting, engaging, and operating a second workflow template which increases automation by automating one or more subprocesses, adding one or more subprocesses, or eliminating one or more subprocesses. | 2009-06-04 |
| 20090144121 | Pandemic Cross Training Process - The disclosure relates to a process which determines a cross-training plan in order to ensure a company or business unit will be better prepared for a pandemic event by cross-training additional employees in the most critical services or functions. The pandemic cross-training plan is determined by utilizing such criteria such as geography, experience-level, and employee preference to strategically and systematically cross-train an employee in a critical function. This can be completed either manually through a criteria matrix approach or automatically by a computing device and utilizing mathematical formulas. | 2009-06-04 |
| 20090144122 | System and Method for Transaction Log Cleansing and Aggregation - A computer-implemented method prepares data for modeling. The method comprises storing data from customer sales transactions in a database and retrieving a dataset of the data from the database. The dataset may include promotion and merchandizing entries. The method includes cleansing the dataset to remove erroneous and anomalous entries. Cleansing the dataset may include determining a threshold value from the dataset and determining whether a value of the dataset exceeds the threshold value, and determining an out-of-stock status for a product from the dataset. The method includes aggregating the dataset over a plurality of dimensions of the transactional space including store, product, and time dimensions, and analyzing the dataset following the cleansing and aggregating steps within a model to predict attributes of subsequent sales transactions. | 2009-06-04 |
| 20090144123 | System and Method of Demand Modeling for Financial Service Products - A computer system is provided which models financial products such as demand deposits and time deposits. The computer system collects transactional data related to a plurality of financial products. The demand model includes an acquisition model, average balance model, and time demand renewable model for predicting customer responses to changes in interest rate based on the transactional data. The demand model evaluates consumer response through account opening, balance variations, and time deposit renewals. The demand model can also predict effects of cannibalization, seasonality, promotions, and time-dependent demand on the financial products. The cannibalization model estimates model parameters by demand group level, categorical level, and multicurrency level. The interest rate is optimized for each of the financial products by utilizing one or more of the acquisition, average balance, time demand renewable, cannibalization, seasonality, promotional, and time-dependent models. The optimized interest rate is exported to a financial institution. | 2009-06-04 |
| 20090144124 | PROVIDING A USER DRIVEN, EVENT TRIGGERED ADVERTISEMENT - Systems and methods are provided for adding an advertisement to a web page by associating advertisements with one or more visual objects e.g., text and/or pictures. Embodiments of the present invention include a method for selecting visual objects and associating the visual object with an advertisement after the web page has been displayed to the user. The visual object may be selected in part based on the user's interactions with the web page. An additional embodiment of the present invention displays the associated advertisement after a user clicks on or hovers over the selected visual object. | 2009-06-04 |
| 20090144125 | SYSTEM AND METHOD FOR RECONNAISSANCE FOR SPEND MANAGEMENT PROCUREMENT - A system, method and computer program product for providing a procurement solution, including determining a maturity level of a strategic direction, procurement processes, and procurement information technology (IT) landscape of a client; identifying a prescription to a spend management solution product, based on the determined maturity level, procurement processes, and procurement IT landscape of the client; and deploying the spend management solution product for the client based on the identified prescription to the spend management solution product. | 2009-06-04 |
| 20090144126 | RANGE FORECASTING OF DEMAND FOR ORDER CONFIGURATIONS FOR CONFIGURABLE PRODUCTS - A method and system for forecasting demand for order configurations are provided. The method and system, in one aspect, expresses attach rates within a family of n options as a set of n positive numbers that sum to 1. By applying suitable transformations to the attach rates, they are modeled as a random vector in (n−1)-dimensional Euclidean space. The distribution of the transformed attach rates are modeled as a distribution family specified by a location vector and a dispersion matrix. The dispersion matrix is simplified, for example, using historical data or expert judgment or both to identify option families that have dependent demand. Simplifying may also include expressing dependence between options by a simple model that involves few parameters. Location vector is estimated by computing point forecasts of transformed attach rates. The parameters of the dispersion matrix are estimated by calibration on historical data, using the dispersion of the errors in historical point forecasts. | 2009-06-04 |
| 20090144127 | Method for performing a market analysis - A method for performing a market analysis may include collecting survey data, which may include evaluation data for desired outcomes, the desired outcomes consisting of attributes of one or more products or services. The desired outcome evaluation data may include importance and satisfaction data. Further, the survey data may include evaluation data for potential features. The potential features evaluation data may include desirability data indicative of the affinity survey participants have for potential features. The method may further include processing the collected survey data using a computer processor. The processing may include calculating, based on the importance and satisfaction data, opportunity scores for the individual desired outcomes. The processing may also include correlating potential features with desired outcomes. In addition, the processing may include ranking the potential features based on the collected desirability data and the calculated opportunity score. | 2009-06-04 |
| 20090144128 | 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. | 2009-06-04 |
| 20090144129 | Systems and Methods for Measuring Data Distribution Effects - Disclosed herein are methods and systems for measuring the effects of certain types of data on users. A response is stored to a first query related to a brand in association with an indication that the first query was provided to at least one recipient after a direct marketing campaign was initiated. Another response is stored to a second query related to the brand in association with an indication that the second query was provided to at least one recipient after an awareness campaign was initiated. The responses to the first query and the second query are compared. A report is generated indicating the efficacy of the awareness campaign at least partly based on the comparison. | 2009-06-04 |
| 20090144130 | METHODS AND SYSTEMS FOR PREDICTING FUTURE DATA - Described herein are methods and systems for predicting data, such as values. A first interface is configured to receive an indication as to how many search queries have been submit that are related to a first item of content. A second interface is configured to receive information related to web traffic associated with the first item of content. A third interface is configured to receive news information correlated with the first item of content. An engine is configured to estimate a value for the first item content at least partly based on information received from the first, second, and/or third interface. | 2009-06-04 |
| 20090144131 | Advertising method and apparatus - In an apparatus that creates and distributes voice advertisements to end users, the apparatus includes a voice advertising portal and a network coupled to the voice advertising portal. A voice application server determines which portions of a voice advertisement will be cached locally at the voice advertising portal for subsequent local retrieval during user interaction with the voice advertising portal. | 2009-06-04 |
| 20090144132 | Follow-up contacts with virtual world participants - A method and system provides arrangements creating a relationship between a real-world entity and a virtual world environment. A participant or player can participate in various virtual world activities including transactions to acquire virtual products, virtual services, and/or virtual items of value. Feedback may be provided and records kept regarding the virtual world activities and transactions. The participant or player may also have an opportunity of engaging in related real-world activities and transactions. In some implementations, multiple players at different locations can be involved in the virtual world and real-world activities and transactions. Some embodiments include arrangements for real-world informational data to be made available in the virtual world environment to a participant or player, based on virtual world activities related to a topic of interest to a real-world entity. | 2009-06-04 |
| 20090144133 | CONTEXT RELATED ADVERTISEMENT/INFORMATION EXPOSURE METHOD AND RECOMMENDATION SERVICE SYSTEM USING THE SAME - Provided are a context related advertisement/information exposure method and a recommendation service system. The method includes the steps of: queuing information recommended (‘recommended information’) by a user on a queue list; selecting a candidate group (current list) to be exposed in an information region of contents page; determining an initial exposure number of each recommended information on the current list, and mapping each recommended information on the current list by the initial exposure number upon exposure of the contents to expose the same; comparing each recommended information that has been exposed by the exposure number with a reference value to determine whether its remaining on the current list is required; and determining a unit exposure number of recommended information that remains on the current list (residual recommended information), and mapping the residual recommended information by the unit exposure number upon exposure of the contents, to thereby expose the same. | 2009-06-04 |
| 20090144134 | Method and system for active process improvement in the production of products - A method of problem analysis within an organization having one or more production levels is provided. The method includes defining a plurality of organizational principles that apply to the organization. The method also includes defining a plurality of practices to enable the plurality of organizational principles. Each of the practices is associated with at least one metric for performance measurement. The method also includes displaying each metric at a display at one of the production levels. The method also includes enabling a meeting between two or more organization personnel concerning at least one metric. The meeting is to identify a problem associated with the at least one metric. | 2009-06-04 |
| 20090144135 | Methods for the management and protection of electoral processes, which are associated with an electronic voting terminal, and operative module used - The inventive method is characterised in that, following a voting option selection step ( | 2009-06-04 |
| 20090144136 | GEOGRAPHIC AREA MULTIPLE SERVICE CARD SYSTEM - The invention provides consumers with the services of multiple cards or accounts while allowing consumers to carry a single card, transponder, code and/or other access device. Because the card may access combined services such as financial transaction services and transportation services, the system may facilitate charging the financial account for the transportation services. The system may allow the consumer to use loyalty points or geographic based loyalty points to pay for the transportation services. The system may also limit the use of certain loyalty points based upon the geographic area for certain transportation services in certain geographic areas. | 2009-06-04 |
| 20090144137 | AUTOMATED CONTENT PRODUCTION FOR LARGELY CONTINUOUS TRANSMISSION - An efficient, highly automated system and method of producing audio visual content which depicts a solely simulated 3D environment, or combined simulated and real 3D environment with advantages over conventional content production paradigms. The present invention produces content with the following significant advantages over conventional means of content production: vastly longer continuous durations of generated output; far lower resource costs per hour of production; far more reliable generation of content; and a far broader range of content styles due to the combination of these advantages. | 2009-06-04 |
| 20090144138 | Method and system of advertisement management - A system and method which may allow advertisers to distinguish new users and repeaters, and reduce advertisement costs on repeaters accordingly. The system may include a request/response server, a user resolving server and a policy server. The request/response server may receive a request for viewing a publisher website by a user and obtain from request cookies the user's identity information. With the user's identity information, the user resolving server may decide whether the user has previously been shown an advertiser's advertisement to be displayed on the requested website. The policy server may then access the policy of the advertiser and indicate whether it is favorable to show to the user the advertiser's advertisement on the requested website. | 2009-06-04 |
| 20090144139 | SYSTEM AND METHOD OF FACILITATING COMMERCIAL TRANSACTIONS USING CONTENT ADDED TO WEB SITES - A method and apparatus is provided for use in facilitating commercial transactions using content added to web sites. In one example, content added to web sites includes one or more coupon widgets selected by the profile owner. In the context of social networks, the invention provides tools for businesses that leverage word of mouth marketing with their loyal customers. | 2009-06-04 |
| 20090144140 | IN-GAME IMPRESSIONS - An impression policy associated with impression policy criteria is created and transmitted to one or more game consoles. The impression policy is applied to all possible content impressions (e.g., advertisement impressions) that occur during game play. The content impressions that satisfy impression policy criteria are reported as actual content impressions. | 2009-06-04 |
| 20090144141 | FEATURE-VALUE ATTACHMENT, RERANKING AND FILTERING FOR ADVERTISEMENTS - An approach is provided for associating structured information as feature-value pairs with advertisements at an advertisement system that provides advertisements for presentation with primary content. Feature-value pairs corresponding with advertisements describe features of the products or services associated with the advertisements. The feature-value pairs may be used by the advertisement system in a number of different manners, including, among other things: using the feature-value pairs during selection of advertisements for presentation with primary content: allowing users to sort and/or filter advertisements during presentation with primary content based on the associated feature-value pairs; exposing additional information with the advertisements; facilitating fraud detection for the advertisement system; and enabling a hybrid pricing model. | 2009-06-04 |
| 20090144142 | Postal article re-addressing and re-delivery using smart mailer - A system allows for more efficient circulation of articles through the postal system. In accordance with one embodiment of the invention, a smart mailer is provided having wireless communication and display capabilities. When an article is to be returned through the postal system, the postman uses a portable terminal (such as a cellphone) to check in the article and, at the same time, re-address the article for delivery to a subsequent (preferably local) customer. Preferably, these actions are both performed by a simple swiping of the portable terminal with respect to the article. Back-office infrastructure is provided for accounting of postal charges, etc. The utility of the portable terminal may be further increased by incorporating barcode reading capability, GPS capability, etc. The system may be used for articles of all descriptions, but is especially suited for smaller articles including media (recordings, books), jewelry, etc. | 2009-06-04 |
| 20090144143 | System, Method, And Apparatus For Data-Driven Interactive Wayfinding And Associated Services - A system, method, and apparatus for providing interactive digital wayfinding to users includes a visual representation of a floor layout on an interactive display, providing services to attendees in rich multimedia output format, including locating exhibitor information based on search criteria, and plotting a path from the user to an exhibitor's booth; viewing exhibitor-specific information, such as a description or video spot based on context of search; viewing new products or services for different categories of exhibitors; requesting information on an exhibitor and/or their product/service to be sent by email or to a PDA via input of attendee badge, smart card, or other information; viewing information on sessions, conference schedules, meetings and workshops; scheduling a meeting with an exhibitor during the tradeshow; answering survey questionnaires; obtaining information on exhibitor promotions; enrolling for exhibitor giveaways; finding local things to do; finding local places of interest; and other related information. | 2009-06-04 |
| 20090144144 | Distributed Data System - Described herein are methods and systems for locating and aggregating data from disparate sources. Data related to an audience of media consumers is accessed from a plurality of sources. At least a portion of the data from the plurality of sources is aggregated into a unified data store, data from the unified data store is extracted at least partly based on significance information. | 2009-06-04 |
| 20090144145 | MOBILE ADVERTISEMENT METHOD - The present invention relates to a mobile advertising method that performs mobile advertisement using a deep-packet inspection performed in a wireless Internet system and location information. An exemplary embodiment of the present invention includes grasping a purchasing tendency of a subscriber using deep packet inspection of an electronic surveillance system; and providing advertisement for desired goods to the subscriber by connecting the grasped purchasing tendency of the subscriber with a location-based service (LBS). Accordingly, the present invention can contribute to an increase in sales profits of the service provider to reduce the resistance and burden for the installation of the electronic surveillance system, and maximize the advertising effect of the advertiser. Further, the subscriber can receive required information on the basis of the current location. | 2009-06-04 |
| 20090144146 | METHODS AND SYSTEMS FOR TRACKING ELECTRONIC COMMERCE TRANSACTIONS - Systems and methods are disclosed for tracking user access to an advertisement and user transactions with an electronic commerce computer associated with the advertisement. In accordance with one aspect of the disclosed technology, a transaction tracking computer associates an identifier with each access (e.g., click) of an advertisement. Transactions that occur at the electronic commerce computer that are related to the advertisement will be reported to the transaction tracking server together with the identifier. In one embodiment, if the reported transaction is a duplicate of a previously reported transaction, then the reported transaction is determined to be invalid. In one embodiment, if the reported transaction occurs more than a predetermined amount of time after the time the identifier was initially generated, then the reported transaction will also be determined to be invalid. | 2009-06-04 |
| 20090144147 | METHODS AND SYSTEM FOR PROVIDING MULTIPLE CREDIT LINES - A method and system for applying for and providing an access device, whereby an applicant completes a multipurpose access device application that is reviewed under qualification processes established by multiple access device providers acting in cooperation with each other. Upon a positive result from the review, a linked account is established for the multiple access device providers, and a common access device is issued for the linked account with a single or multiple account numbers. The access device user can take advantage of joint incentive and rewards programs for the linked account that join the incentive and rewards programs of the multiple access device providers, and that accumulate rewards separately for each provider. | 2009-06-04 |
| 20090144148 | Attribute enhancement in virtual world environments - A method and system provides arrangements creating a relationship between a real-world entity and a virtual world environment. A virtual world patron can participate in various virtual world activities including transactions to acquire virtual products, virtual services, and/or virtual items of value. Feedback may be provided and records kept regarding the virtual world activities and transactions. The virtual world patron may also have an opportunity of engaging in related real-world activities and transactions. Designated virtual objects with special distinguishable attributes may be sponsored by a real-world entity. Some virtual world communication techniques may be used to help establish a recognizable association between the real-world entity and the designated virtual objects. | 2009-06-04 |
| 20090144149 | Ecological-point management system - An ecological-point management system includes an electric powered vehicle, a charging facility, a communication network, a management server, point recipients each having a device capable of accessing the communication network. The electric storage device of the electric powered vehicle is configured to be chargeable by the charging facility. In the ecological-point management system, an ecological point in accordance with an amount of greenhouse gas emission that can be reduced by traveling using electric power by the electric powered vehicle is given to the point recipients. The point recipients can include an owner or a driver of the electric powered vehicle, and a manufacture, an installation personnel, an owner of the charging facility, and an owner of an installation place, and further a provider of the charging power. | 2009-06-04 |
| 20090144150 | Charging system of electric powered vehicle - An electric storage device of an electric powered vehicle is configured to be chargeable by a charging facility. At the time of external charge by the charging facility, a management server selects advertising information based on information stored inside the electric powered vehicle to be charged and/or information of the charging facility performing the external charge to the electric powered vehicle including a mechanism capable of reproducing the advertising information from an advertising provider, and transmits the selected advertising information. The management server performs billing so that in exchange for the transmission of the advertising information, at least part of a charging power fee is caused to be borne by the advertising provider side to thereby discount an amount borne by an electric powered vehicle user. | 2009-06-04 |
| 20090144151 | AUTOMATED RENTAL SYSTEM - Automated rental system comprising: —an object for rent which is provided with an identification code, —an auxiliary element functionally associated with the object for rent and comprising a remotely activated activation/deactivation system, —a portable device, such as a mobile telephone, comprising a wireless telecommunication interface, —a central unit comprising means for bidirectional communication with said auxiliary element and said portable device; said central unit further comprising means for processing said identification code, means for acting on said activation/deactivation system, means for recording the duration of use of the object for rent, and means for managing the accounts of the persons using said object for rent. | 2009-06-04 |
| 20090144152 | System of guaranteeing loan repayments at the product level by a split funding method from credit card and online check settled deposits - A system of guaranteeing loan repayments by a split funding method from credit card and online check settled deposits. By split funding transaction deposits, the system provides and tracks a line of credit to the sales representatives. The inventive process: (1) evaluates the sales representative's credit worthiness; (2) approves a line of credit for the sales representative to use in purchasing inventory; (3) ties the liability for the line of credit to the product being sold; (4) accounts for the increases and decreases in the available line of credit as sales representatives purchase items, then repay the line of credit as they sell merchandise; (5) automatically distributes funds to all parties concerned using a prescribed hierarchy when the sales representative sells merchandise; (6) accounts for settling all aspects of customer transactions including commissions, interest, principal repayment, and processing fees; and (7) deposits commissions or net sales proceeds onto the stored value card. | 2009-06-04 |
| 20090144153 | Techniques for acquiring a set of digital media assets - Techniques to facilitate acquiring a media set, or a related series, of digital media assets from an on-line media store are disclosed. A user can view various media sets that have been listed as available for purchase from the on-line media store. A user can choose to purchase a particular media set even though some or all digital media assets to be included in the particular media set are not yet available. Subsequent to the purchase of the particular media set, the digital media assets of the particular media set can be delivered to the user once the digital media assets become available. Since the monitoring is computerized and the delivery is electronic, once digital media assets becomes available, delivery can be automatically processed. | 2009-06-04 |
| 20090144154 | Intelligent media targeting system and method - An intelligent media targeting system and method for generating and utilizing smart media objects, or information objects containing both a content portion containing information to be consumed by end users and a profile portion containing coded user activity information representing exercise of the media object by users, the content portion and the profile portion being assembled into an information object capable of being transmitted integrally. The smart media objects are generated by capturing user activity information representing exercise of media objects by users, filtering the captured user activity information to generate a profile for each media object, generating a coded header using the profile for each media object and attaching the coded header to the media object. After the smart media objects are transmitted over a communication channel, the coded headers are detached and decoded to obtain the profile of the smart media objects. Media targeting decisions are then made to target media objects to end users based on the media object profile obtained by detaching and decoding the coded header. | 2009-06-04 |
| 20090144155 | VEHICULAR ADVERTISEMENT SYSTEM AND METHOD - Systems and methods are provided herein that provide for vehicular advertisements. | 2009-06-04 |
| 20090144156 | METHOD OF ADVERTISING - A retail establishment advertising system and method are disclosed. They allow a display of special content to interrupt a display of ongoing content on one or more display units. Ongoing content, such as advertisements, news, entertainment, or other relevant information, is provided on the display units until an urgent or security-related alert is required, and display of override content becomes necessary. Special content can include information relevant to specially discounted items or to security alert messages pertaining to, for example, security threats such as accidents, major delays, fire, missing children, terrorist activity, or other content deemed adequately pertinent to warrant interrupting the display of ongoing content. | 2009-06-04 |
| 20090144157 | DYNAMIC DIGITAL SIGNAGE, CUSTOMER CONTENT CONTROL PORTAL & MANAGEMENT SYSTEM - A system, apparatus, method, and media are directed to digital signage. Digital signage types are grouped into a digital signage channel. A template for the digital signage channel is received. The network comprises a network channel associated with the digital signage channel. A creation interface configured to create a new digital signage message based on the template is provided. A new digital signage message provides a definition for a display of a view of the new digital sign. The definition is adapted to map elements of the view to a plurality of data structure types for storing the new digital signage message. An approval interface configured to approve the new digital signage message based on a limited representational view of the new digital signage message is provided. A renderable instance of the approved new digital signage is provided for display on a interactivity limited digital signage device. | 2009-06-04 |
| 20090144158 | System And Method For Enabling Viewing Of Documents Not In HTML Format - A system and method for enabling viewing of non-HTML content. A content provider receives a request to view non-HTML content from a user and forwards JavaScript code to the user. The content provider sends the non-HTML content over a network to a document hosting service. The document hosting service receives the content, converts it into at least one image and assigns a URL to the at least one image. The JavaScript generates the URL at the user's computer. The document hosting service receives the request for the URL from the user and forwards the at least one image to the user. | 2009-06-04 |
| 20090144159 | Advertisement Insertion Module and Advertisement Replacement Module - A computer-implemented method including receiving request data originating at a mobile device; obtaining a unique and unchanging identifier of the mobile device based on the received request data; associating the unique and unchanging identifier of the mobile device with the request data; and storing the associated data at a data storage device. | 2009-06-04 |
| 20090144160 | Method and Apparatus for Estimating the Spend Capacity of Consumers - Time series consumer spending data, point-in-time balance information, internal customer financial data and consumer panel information provides input to a model for consumer spend behavior on plastic instruments or other financial accounts, from which approximations of spending ability may be reliably identified and utilized to promote additional consumer spending. | 2009-06-04 |
| 20090144161 | METHOD AND SYSTEM FOR CONDUCTING AN ONLINE PAYMENT TRANSACTION USING A MOBILE COMMUNICATION DEVICE - A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization. | 2009-06-04 |
| 20090144162 | Transaction Security Method and Apparatus - A method and apparatus for increasing the security of transactions between two parties is disclosed. The method and apparatus employ multiple PINs from which elements are selected for user identification. The transactions may be financial transactions or any other transaction where user identification is required. | 2009-06-04 |
| 20090144163 | Disparate Network Systems and Methods - Electronic transaction data and/or electronic payment data therefor is routed to disparate payment networks for a multitude of transactions. A software-programmed computer type circuit receives and processes point-of-sale transaction data to select two disparate payment networks for processing electronic payment for the transaction data. Transaction and/or payment data is routed to each of the disparate payment networks, to respectively debit and credit payment accounts, to provide payment to a seller on behalf of a buyer involved in the transaction. | 2009-06-04 |
| 20090144164 | System and Method for Distribution, Redemption and Processing of Electronic Coupons - In a method of executing a transaction using an electronic coupon, coupon campaign information is provided to an engine. The coupon campaign information defines a discount value, a product family and a number of coupons to be distributed. Each coupon within the coupon campaign has a coupon identification (ID). Coupon publications are provided including a machine-readable portion that encodes coupon data describing the coupon campaign information. The coupon data is retrieved from the machine-readable portion of the coupon publication using a personal electronic device. The coupon data is used to retrieve a coupon ID that is stored in the personal electronic device. The coupon ID is transmitted to a point of sale (POS) system using the personal electronic device. The POS system communicates with the engine to verify a validity of the coupon ID. A discount is applied to a transaction in accordance with the discount value. | 2009-06-04 |
| 20090144165 | Seller Routing Arrangements and Methods for Disparate Network Systems - Electronic transaction data sets are processed for a multitude of disparate transactions using a plurality of autonomous payment networks. A software-programmed computer circuit receives and processes electronic transaction data to identify a seller using information provided in the transaction data, and uses the identification to access seller profile information for selecting one of a plurality of networks. In this context, a seller can be identified using one of a plurality of identification approaches (e.g., different account IDs), and such identification can be used for retrieving and using electronic profile data to select a payment network for the seller, which may be completely independent from the identification. Payment data is accordingly configured so that the selected network can receive and process the data, such as by configuring the data into a network-specific format and/or communicating the data using network-specific protocols. The configured payment data is transmitted to the selected payment network, for use in effecting electronic payment for the transaction. | 2009-06-04 |
| 20090144166 | Control System Arrangements and Methods for Disparate Network Systems - Electronic transaction data sets are processed for a multitude of disparate transactions using a plurality of autonomous payment networks. A software-programmed computer type system receives and processes point-of-sale transaction data to select one of the payment networks associated with a participant ID (e.g., for a buyer or seller) in the transaction data. The system includes a plurality of network-specific interface modules, each associated with a specific payment network for interfacing therewith. For point-of-sale transaction data, the interface module corresponding to the selected payment network communicates payment data to the selected payment network to effect electronic payment for the point-of-sale transaction data. | 2009-06-04 |
| 20090144167 | System and method for managing data and voice connectivity for wireless devices - A system is described for managing wireless data access comprising. In one embodiment, the system includes a database to store user data for prepaid users and user data for postpaid users, the data for prepaid users including lease status data; a dispatcher to receive a request for data services from a wireless device, the dispatcher to query the database to determine whether the wireless device is associated with a prepaid account or a postpaid account on the wireless service provider, wherein if the wireless device is associated with a prepaid account, the dispatcher reads the lease status data to determine whether the account has a lease expiration indication and, if so, formats a lease renewal request according to a first data format over a local data network; a billing server to receive the lease renewal request from the dispatcher in the first data format and to reformat the request to a second data format, the second data format compatible with a charge control node (“CCN”) employed on the wireless service provider, the billing server to receive a response from the CCN indicating whether a lease associated with the wireless device is to be renewed and to reformat the response from the second data format to the first data format and to send the reformatted response to the dispatcher; and policy management logic executed on the dispatcher to block access to data services for the wireless device if the response indicates insufficient funds associated with the wireless device account or to allow access to data services if the response indicates a successful lease renewal. | 2009-06-04 |
| 20090144168 | METHODS AND SYSTEMS FOR SEARCHING ACROSS DISPARATE DATABASES - Disclosed herein are methods and systems for performing media searches and identifying query matches based on multiple criteria and for the controlled networked distribution and usage of media (e.g., audio files, image files, video files, graphic files). Certain embodiments identify combinations of different media types and/or combinations of media from a plurality of sources that satisfy a user's query terms. Certain embodiments access an integrated media-related data store of disparate data accessed from a plurality of locations. | 2009-06-04 |
| 20090144169 | METHOD FOR FACILITATING ONLINE SALES AND PRODUCT FOR USE THEREFOR - The method of the disclosure provides creating a unique product from data shared between an artist and a client, which artwork is applied to a product and manufactured only in quantities ordered by members of a discrete group. The members of the group have a common mailing address for the product, and the artwork is prepared by a group chair or contact working with the product manufacturer, not individual group members ordering the product. Financial information is screened from the group chair, but the chair may edit the quantities of product ordered. The identities of all group members are screened from the enterprise manufacturing the product ordered. | 2009-06-04 |
| 20090144170 | Buyer-Seller Interfaces and Methods for Disparate Network Systems - An electronic transaction interface circuit routes transaction data for processing using disparate electronic payment systems. According to an example embodiment, a software-programmed computer interface circuit receives transaction data from a point-of-sale device, and routes the data according to identifier data in the transaction data. Certain sets of transaction data are routed directly to a payment network, and other sets of transaction data are routed to an electronic payment processing system that selects and routes data upon disparate payment networks for each of a buyer and seller involved in a transaction to which the transaction data corresponds. Some embodiments involve selecting the disparate payment networks based upon selection rule data defined by buyer and/or seller participants in the transactions. | 2009-06-04 |
| 20090144171 | Service Subscription Service Business - A service subscription service business is a service provided to individuals and businesses that finds a lowest-cost provider or providers for subscription products and services as well as for one-time purchases of products and services. The system preferably administers the consumer items over a global network such as the Internet. A user profile is compiled that relates to desired consumer items. The database of items available from product and service providers can be accessed, and relevant items are identified according to the user profile. If the user profile incorporates an automatic best choice service, the system automatically implements the relevant items and communicates the implemented relevant items to the user. Alternatively, if the user profile does not incorporate the automatic best choice service, the items are communicated to the user, and the user is given an opportunity to selectively implement the relevant items. The user profile may be compiled or supplemented by monitoring a pattern of consumer item use. Additionally, the consumer profile can be monitored according to user-entered parameters. With this system, a customer can be assured that products and services desired by the customer are being maintained at a best available cost. | 2009-06-04 |
| 20090144172 | PROVIDING A MARKETPLACE FOR WEB SERVICES - A method, system, and computer-readable medium is described for facilitating interactions between computing systems, such as by providing an electronic Web service (“WS”) marketplace via which third-party WS providers make their WSes available to third-party WS consumers who locate and purchase access to those WSes via the electronic marketplace. Some or all available WSes may have associated use prices and or non-price use conditions, and if so access to those WSes may be provided only if a consumer requesting access provides appropriate payment and otherwise satisfies the specified use conditions. In some situations, WS consumers may also purchase subscriptions to provide later access to registered WSes. This abstract is provided to comply with rules requiring it, and is submitted with the intention that it will not be used to interpret or limit the scope or meaning of the claims. | 2009-06-04 |
| 20090144173 | Method for converting 2d image into pseudo 3d image and user-adapted total coordination method in use artificial intelligence, and service business method thereof - The present invention provides a method of generating a pseudo-3D user-adapted avatar by using artificial intelligence based on a method of converting a 2D image to the pseudo-3D image having visual and partial functions of a 3D model, and a method of performing a coordination simulation by applying the pseudo-3D coordination image generated by applying total clothes coordination information derived from the artificial intelligence to a user-adapted avatar. The pseudo-3D user-adapted avatar is generated by receiving primary size information and deriving secondary size information from an algorithm by using the primary size information. The pseudo-3D user-adapted avatar image suitable to the user's body shape is generated from the 2D standard avatar image. The pseudo-3D coordination image is generated, from the standard 2D image by using coordination-related information, by an artificial intelligence algorithm, and in response to a corrected pseudo-3D user-adapted avatar image, the generated pseudo-3D coordination image is displayed. | 2009-06-04 |
| 20090144174 | Drag-and-drop customization of jewelry - An inventive method and system for allowing visitors of a web site to customize design elements into a final unique design through the use of an intuitive drag-and-drop or click-and-place method of assembly is presented. The inventive method and system enable better simulation of the highly visual, interactive, experimental and iterative creative design process employed by people when building artistic designs including jewelry. The drag-and-drop or click-and-place technique of putting gemstones into settings is analogous to an artist creating a painting by iteratively picking up a particular paint color with a paintbrush and placing the selected paint on a particular spot on a canvas. | 2009-06-04 |
| 20090144175 | SYSTEM AND METHOD FOR GENERATING SELF-HELP CUTTING INSTRUCTIONS OF DECORATIVE TRIM - The present invention relates to a technique for efficient interior and decorative designs and more particularly to a system and process to determine a plurality of self-help cutting instructions of decorative trim, and to a method that simplifies the process of planning, cutting, installing, and estimating material requirements and costs related to decorative trim. | 2009-06-04 |
| 20090144176 | System and method for replicating objects from providers in communication displays from other providers - A communication system facilitates the replication of display objects from first providers into displays provided, upon request from subscribers, by second providers. The first providers may specify which second providers or classes of second providers may incorporate the replicated display objects, and which portions thereof the second providers may customize. The second providers may select which available replicates they will display, and may customize them as specified permissible by the first providers. Changes made to the objects become available immediately to subscribers. | 2009-06-04 |
| 20090144177 | REAL ESTATE VALUE MAP COMPUTER SYSTEM - A computer system creates and displays a map image based upon a value database associating a plurality of values each with a geographic location in a geographic area and a map program associating each location with a map image location. The computer system assigns one of a plurality of symbols to each geographic location based upon its associated value. The symbol is then displayed on the map image at the map image location associated with the geographic location. | 2009-06-04 |
| 20090144178 | CONSIGNMENT INVENTORY MANAGEMENT AND RECONCILIATION SYSTEM - A consignment inventory management and reconciliation method and system that tracks and reconciles on-hand quality which represents consignment items that were placed at the consignment location and are physically located at the consignment location at a given time; unbilled quantity which represents consignment items which were placed at the consignment location and are not physically present at the consignment location and have not been purchased at a given time, excess quantity which represents items found at the consignment location but are not considered consignment items at a given time; and perpetual quantity which represents the consignment items which have been delivered to the consignment location at a given time. | 2009-06-04 |
| 20090144179 | PRODUCTS AND PROCESSES FOR VENDING A PLURALITY OF PRODUCTS VIA DEFINED GROUPS - Products and processes are disclosed for defining at least one inventory group. This at least one inventory group includes at least two products that are available for sale by a vending machine. The vending machine outputs an indication of products that the at least one inventory group includes. The vending machine receiving, from a customer, a selection of a first product that the at least one inventory group includes. The vending machine processes a sale of a unit of the first product and a respective unit of at least one additional product for a single price. | 2009-06-04 |
| 20090144180 | AUTOMATED BUSINESS SYSTEM AND METHOD OF VENDING AND RETURNING A CONSUMER PRODUCT - System and method of dispensing disc-based media and other consumer products. A user can interact with an automated business system to select disc-based media for rental and/or purchase. The automated business system can retrieve the selection from the interior of the automated business system and dispense the selection through a port to the user. The automated business system can retrieve the selection from the port in a return process. | 2009-06-04 |
| 20090144181 | Method and apparatus for providing task related navigation services - A method and apparatus for task based navigation by determining a task; determining a present location of a receiver associated with a user to perform the task; generating turn-by-turn travel information related to the task, where the turn-by-turn travel information indicates a path from the present location of the receiver to a location at which the task is to be performed; and transmitting the task and the turn-by-turn travel information to the receiver. | 2009-06-04 |
| 20090144182 | TASK MANAGEMENT SYSTEM - A task management system includes: an attribute information acquiring unit acquiring attribute information indicating an attribute of a document corresponding to document data; a billing destination information generator extracting attribute information specifying a billing destination of a cost caused as a price of performance of a task using the document data from the attribute information acquired by the attribute information acquiring unit and generating billing destination information indicating the billing destination on the basis of the extracted attribute information; a process content information storage storing process content information indicating a content of a process performed on the document data by a task terminal used by a task performer; a task content specifier specifying the content of the task performed on the document data by the task performer on the basis of the process content information stored in the process content information storage; a cost correlation storage storing a correlation of the content of the task and the cost caused as the price of the performance of the task; a billing amount information generator generating billing amount information indicating a billing amount for the billing destination on the basis of the content of the task specified by the task content specifier and the correlation stored in the cost correlation storage; and a billing information storage correlating and storing the billing destination information generated by the billing destination information generator and the billing amount information generated by the billing amount information generator. | 2009-06-04 |
| 20090144183 | MANAGING USER ACCOUNTS FOR STORAGE DELIVERY NETWORK - Disclosed herein are systems and methods for managing a plurality of unique account holders, each having dynamically controllable policies relating to storage, transfer bandwidth, file sizes, pricing options and the like. User accounts can be organized in a hierarchical structure, where an account in the hierarchical structure can manage any account beneath it. For example, a parent account can manage all of its child accounts. In one embodiment, tilling policies can be set by a parent account dictating whether its child account's usage of the system is billed to the parent account or the child account. Moreover, in one embodiment, policies set in an account are automatically inherited by all accounts beneath that account unless that account specifies otherwise. | 2009-06-04 |
| 20090144184 | Communication regarding aspects of a dispensed consumable composition - Methods and systems for programmed dispensation of consumable compositions are provided. | 2009-06-04 |
| 20090144185 | Method and Apparatus for Estimating the Spend Capacity of Consumers - Time series consumer spending data, point-in-time balance information, internal customer financial data and consumer panel information provides input to a model for consumer spend behavior on plastic instruments or other financial accounts, from which approximations of spending ability may be reliably identified and utilized to promote additional consumer spending. | 2009-06-04 |
| 20090144186 | Financial Product Design and Implementation - A front-to-back application suite may integrate new financial products on the fly, without a long development phase. A financial product type, such as a derivative product or structured product, may be created and integrated into a financial management suite for pricing, risk management analysis, deal capture, and trading activities. Information describing a financial product type, including one or more financial instruments and parameters, is received via a user interface and a meta language data script is generated to define the financial product type. A corresponding software object may be generated from the markup language data script and then invoked, for example, by interpreting code of the software object via a virtual machine. The new financial product type may be integrated into the financial management suite, so that specific deals may be created based on the financial product type and then trading activities involving the new deal may be performed within the financial management suite. | 2009-06-04 |
| 20090144187 | SYSTEM, METHOD AND COMPUTER PROGRAM PRODUCT FOR DETERMINING UNDISCLOSED ORDER VOLUME - Systems, methods, and computer program product for generating a report or document including a data representation reflecting a distribution of hidden trade order volume across different locations and a relative size, including average hidden order volume, volume executed against hidden orders, as a percentage of total trading volume by exchange, liquidity group and time bins. Order execution data is received for a plurality of executed trades via an electronic quotation feed associated with an electronic trading forum for trading both displayed orders and non-displayed orders. For a plurality of time periods, the location within the best bid, best offer spread, of each executed trade of the plurality of executed trades, is determined by comparing the price of each executed trade for hidden orders to quotes on a limit book for the electronic trading forum at a point in time substantially immediately before the corresponding executed trade. | 2009-06-04 |
| 20090144188 | APPARATUS, SYSTEM AND COMPUTER PROGRAM PRODUCT FOR A PAPERLESS CREDIT APPLICATION PROCESS - An apparatus, system and computer program product are provided for a paperless credit application process. Using the apparatus, system and computer program product a customer may enter a dealership, complete a credit application, obtain a credit report, provide any necessary supporting documentation, and receive credit allowance determination, without a physical document ever being created. The system may include a Tablet, through which the customer can complete and transmit an electronic credit application, wherein no record of the completed credit application or the information input by the customer remains on the Tablet. A Finance Server may receive the credit application and create an electronic file or “deal jacket” associated with the customer, in which the credit application and any other information associated with the customer may be stored. The Finance Server may then provide a web-based interface for accessing the deal jacket from any physical location via a secure communication channel. | 2009-06-04 |
| 20090144189 | Programmed dispensing of consumable compositions - Methods and systems for administering consumable compositions according to a programmed dosing schedule are provided. | 2009-06-04 |
| 20090144190 | Programmed dispensing of consumable compositions - Methods and systems for programmed dispensation of consumable compositions are provided. | 2009-06-04 |
| 20090144191 | METHOD AND COMPUTER NETWORK FOR CO-ORDINATING A LOAN OVER THE INTERNET - The invention relates to a method and a computer for coordinating an electronic credit application between an Internet user and a plurality of lending institutions via the Internet. This method involves displaying documents in a web site, and receiving credit data forming placed on the web site. After receiving this data a special loan processing computer applies a filter to the data. The filter comprises loan selection criteria provided by lending institutions which allows these institutions to filter out loan applications that they do not want. Next, after the data is filtered, it is transmitted to a plurality of lending institutions. Finally, the computer and the method then controls and coordinates communication between these lending institutions and the Internet user to match borrowers and lenders via the Internet. | 2009-06-04 |
| 20090144192 | METHOD AND SYSTEM OF AGGREGATING CONSIDERATION ASSOCIATED WITH A REQUEST - A method, apparatus and system of method and system of aggregating consideration associated with a request is disclosed. In one embodiment, a method includes generating a request (e.g., may include a performance request, an article request, a mission and/or an altruistic request) of an entity based on a set of parameters provided by an initiating patron of the entity, allocating an initial consideration to the request from the initiating patron, generating a profile of the request having the initial consideration in a request aggregation environment and allocating, to the initial consideration, an additional consideration provided when a different patron contributes the additional consideration to the request. The method may include determining whether contact information of the entity provided by the initiating patron and the different patron references to a verified contact data and communicating the request to the entity based on the contact information and the verified contact data. | 2009-06-04 |
| 20090144193 | Sub-Account Mechanism - A system and method for controlling a monetary account with one or more sub-accounts is described. A monetary account with an entity is established and an account user associated with the monetary account is identified. A sub-account with the entity is established, where the sub-account is associated with the monetary account and includes monetary funds transferred from the monetary account. At least one sub-account user associated with the sub-account is identified, where the at least one sub-account user is different from the account user. One or more controls, placed by the account user, are established on at least one of the sub-account and the at least one sub-account user. The at least one sub-account user is restricted from accessing monetary funds in the monetary account and the account user is permitted to access the sub-account. | 2009-06-04 |
| 20090144194 | COMPUTER AUTOMATED SYSTEMS, DEVICES AND METHODS FOR DATA PROCESSING OF ACCOUNTING RECORDS - Devices, systems, methods and arrangements are implemented in variety of manners. In a specific instance, a computer arrangement implements the following operations for a transaction involving a plurality of merchant offerings that are parseable by merchant offering identifiers. For a plurality of identified buyer accounts from which monetary payables (e.g., cash, credit and/or debit limits) are tracked, stored data sets are accessed that are indicative of types of merchant offerings to be associated with particular ones of the plurality of buyer accounts. Payment is facilitated for the items as a function of at least one of the plurality of buyer accounts. Payment is tracked for the items as a function of the merchant offering identifiers. | 2009-06-04 |
| 20090144195 | SYSTEM AND METHOD FOR AUTOMATICALLY REPLENISHING AN ELECTRONIC PAYMENT ACCOUNT - The invention provides a computerized electronic auction payment system and method for effecting a real-lime payment for an item won in an electronic auction by setting up and maintaining electronic auction payment accounts for prospective bidders and sellers. In one embodiment, upon being deemed as a winning bidder, the winning bidder accesses a payment page, enters the total amount of funds to be transferred to the seller, and authorizes the computerized electronic auction payment system to effect a real-time payment by debiting his, i.e., the winning bidder's, respective electronic auction payment account and crediting the electronic auction payment account of the seller, and/or another account specified by the seller. In an alternate embodiment, the prospective bidder authorizes the computerized electronic auction payment system to effect a real-time payment to the seller upon the prospective bidder being deemed the winning bidder (i.e., immediately following the conclusion of the auction). That is, without the winning bidder having to access the payment page. Funds can be automatically transferred to the electronic auction payment accounts on a periodic basis and after funds are deducted from the payment accounts to replenish the funds deducted from the payment accounts. A fee can be charged by an operator of the computerized electronic auction payment system for automatically transferring funds to the electronic auction payment accounts and for automatically replenishing the payment accounts. | 2009-06-04 |
| 20090144196 | METHOD AND SYSTEM FOR PAYMENT OF PERMIT MAIL - A system and method that allows mailers of all sizes to pay for permit mail without presenting cash or a check at the time of induction is provided. A permit payment aggregator establishes a master account with the postal system for the payment of permit mail. A plurality of mailers each establish a separate account with the permit payment aggregator and transfer control of payment of mail inducted under their respective permit imprints to the permit payment aggregator. When the mailer desires to send a mailing, a request for payment of postage is made to the permit payment aggregator, which processes the information related to the mailing. The induction site communicates with the permit payment aggregator and the mailing as presented is compared with the information processed by the permit payment aggregator. If the mailing is accepted, the master account is debited for payment. | 2009-06-04 |
| 20090144197 | MEDIA DEVICE PAYMENTS REMOTE CONTROL PERSONALIZATION AND PROTECTION - A server is operable to receive a media device identifying number (ID) and to create an established association between the media device with a payment account and to support at least one of payment authorization and payment clearing based at least in part on the media device ID and the payment account. The server is further operable to produce the payment account information to a smart card personalization service server to facilitate creation of a smart card with the payment account information that is associated with the media device. The server is also operable to produce the media device ID to the smart card personalization service server to facilitate creation of a smart card with the payment account information based in part on the media device ID. | 2009-06-04 |
| 20090144198 | MONEY TRANSFER USING AN AUTOMATED BANKING MACHINE - Money is transferred from a provider to a requester using automated banking machines. The provider accesses an automated banking machine to identify the requester to whom the money will be transferred and the amount of money to be transfer. The requester is notified of a generated confirmation code. The requester then accesses another automated banking machine to receive the money transfer amount using the confirmation code. After the requester has been verified, the requester selects where the funds are to be transferred. | 2009-06-04 |
| 20090144199 | DETECTION OF COUNTERFEITED PRODUCTS BASED ON SENSOR MEASUREMENTS - Implementations may include a computer system for detecting counterfeited products. The system may include a communication unit and a processing unit. The communication unit may be configured to receive a representation of sensor data being measured at different times by a sensor unit associated with a product. The processing unit may be configured to compute a deviation of the sensor data from data of a transport profile for the product and to compute from the deviation a counterfeit value representing an estimate value for the probability that the product is counterfeited. | 2009-06-04 |
| 20090144200 | MEDICAL CARE RECORD MANAGEMENT SYSTEM, MEDICAL CARE RECORD MANAGEMENT PROGRAM, AND MEDICAL CARE RECORD MANAGEMENT METHOD - A medical care record management system for managing the records of medical care covered by an insurance performs the steps of acquiring first information that is information regarding the result of a medical care when a medical institution conducts the medical care for an insured person insured; acquiring second information that is information integrating the information regarding the insured person with an signature of an insurer of the insurance generated based on the information regarding the insured person; generating the third information that is information integrating the first information with an signature of the insured person by generating the signature of the insured person based on the first information; and generating the fifth information that is information integrating fourth information including the second information and the third information, with an signature of the medical institution by generating the signature of the medical institution based on the fourth information. | 2009-06-04 |
| 20090144201 | TARGETING MESSAGES - The invention generally relates to systems and methods for directing information to people and/or households likely to be receptive to the information. Systems and methods according to the invention can be used to target one or more marketing messages, such as various types of offers, to one or more consumers determined likely to be receptive to the message(s). | 2009-06-04 |
| 20090144202 | MODULE ID BASED ENCRYPTION FOR FINANCIAL TRANSACTIONS - A server is operable to receive a media device identifying number (ID) and establish an association between a media device and a payment account and, in one embodiment, supports at least one of payment authorization and payment clearing based at least in part on the media device ID and the payment account. A network and system includes a payment card processor server that is operable to receive a payment authorization request and to determine if an authorized media device generated a purchase selection message and to determine to approve a received payment authorization request based, in part, if the media device was authorized for the purchase selection based upon a received media device ID. The system is further operable to perform a key rotation to protect payment account information. | 2009-06-04 |
| 20090144203 | SERIAL NUMBER AND PAYMENT DATA BASED PAYMENT CARD PROCESSING - A server is operable to receive a media device identifying number (ID) and establish an association between a media device and a payment account and, in one embodiment, supports at least one of payment authorization and payment clearing based at least in part on the media device ID and the payment account. A network and system includes a payment card processor server that is operable to receive a payment authorization request and to determine if an authorized media device generated a purchase selection message and to determine to approve a received payment authorization request based, in part, if the media device was authorized for the purchase selection based upon a received media device ID. | 2009-06-04 |
| 20090144204 | MODULE ID BASED TARGETED MARKETING - A server is operable to receive a media device identifying number (ID) and establish an association between a media device and a payment account and, in one embodiment, supports at least one of payment authorization and payment clearing based at least in part on the media device ID and the payment account. A network and system includes a payment card processor server that is operable to receive a payment authorization request and to determine if an authorized media device generated a purchase selection message and to determine to approve a received payment authorization request based, in part, if the media device was authorized for the purchase selection based upon a received media device ID. The system is further operable to perform a key rotation to protect payment account information. | 2009-06-04 |
| 20090144205 | SERIAL NUMBER AND PAYMENT DATA BASED PAYMENT CARD PROCESSING - A server is operable to receive a media device identifying number (ID) and establish an association between a media device and a payment account and, in one embodiment, supports at least one of payment authorization and payment clearing based at least in part on the media device ID and the payment account. A network and system includes a payment card processor server that is operable to receive a payment authorization request and to determine if an authorized media device generated a purchase selection message and to determine to approve a received payment authorization request based, in part, if the media device was authorized for the purchase selection based upon a received media device ID. | 2009-06-04 |
| 20090144206 | SYSTEM FOR PROVIDING LIFETIME INCOME PROTECTION - The invention relates to a system for managing a investment product that guarantees minimum withdrawal availability during retirement and provides for fee refunds upon termination of an investor's participation in the plan. | 2009-06-04 |
| 20090144207 | PROGRESSIVE PRICING SCHEMES FOR ADVERTISEMENTS - Systems, methods, and computer-readable media for calculating charges for advertisements are provided. The historical performance (such as CTR) of an online advertisement is utilized to calculate accurate performance prediction, in turn used to calculate the current cost per selection (click-through) of the advertisement. The current cost per selection may be multiplied by the total number of times the advertisement has been presented to user(s) to determine the adjusted revenue total for the advertisement. In embodiments, the charge due for the advertisement is the adjusted revenue total for the advertisement less the amount of revenue previously received for the advertisement. | 2009-06-04 |
| 20090144208 | AUTOMATED BUSINESS SYSTEM AND METHOD OF VENDING AND RETURNING A CONSUMER PRODUCT - System and method of dispensing disc-based media and other consumer products. A user can interact with an automated business system to select disc-based media for rental and/or purchase. The automated business system can retrieve the selection from the interior of the automated business system and dispense the selection through a port to the user. The automated business system can retrieve the selection from the port in a return process. | 2009-06-04 |
| 20090144209 | SEQUENCE PREDICTION SYSTEM - The system includes a storage device | 2009-06-04 |
| 20090144210 | METHOD AND APPARATUS FOR DETERMINING THE VARIABLE DEPENDENCY - A method and an apparatus for determining variable dependency are disclosed. In the present invention, a variable dependency is determined in advance arbitrarily; partial variables are selected from the current variable dependency, and a legitimate superior variable set is re-selected for each of the partial variables, and the new variable dependency is stored only if it meets the criterion of acceptance; when the termination criterion for establishing variable dependency is met, the optimal variable dependency is determined from all variable dependencies. Because the existing variable dependency is not taken as a reference when the new variable dependency is created, the new variable dependency is not misled by the existing variable dependency, and the time for finding the globally optimal variable dependency can be shortened. | 2009-06-04 |
| 20090144211 | DYNAMIC REPRESENTATION OF GROUP ACTIVITY THROUGH REACTIVE PERSONAS - Embodiments are directed towards managing an adaptive media object to dynamically represent a persona reflecting a group's (or individual's) online and/or offline activities and behaviors. The group selects the adaptive media object to represent their persona digitally. The group may indicate which activities, actions, and/or behaviors are to be used to adapt the persona, and may further specify at least one mapping of a selected activity, action, and/or behavior to a change in the configuration of the adaptive media object. In one embodiment, the various activities, actions, and/or behaviors may be input to a machine learning algorithm that dynamically determines the changes to the adaptive media object. The adaptive media object may serve as a single point of contact for the group or individual for communications. The adaptive media object configuration may also change based upon the client device used to access the adaptive media object. | 2009-06-04 |
| 20090144212 | Enhanced Learning and Recognition Operations for Radial Basis Functions - Methods, apparatuses and systems directed to pattern identification and pattern recognition. In some particular implementations, the invention provides a flexible pattern recognition platform including pattern recognition engines that can be dynamically adjusted to implement specific pattern recognition configurations for individual pattern recognition applications. In some implementations, the present invention also provides for a partition configuration where knowledge elements can be grouped and pattern recognition operations can be individually configured and arranged to allow for multilevel pattern recognition schemes. | 2009-06-04 |
| 20090144213 | GRAPH PATTERN RECOGNITION INTERFACE - In some example embodiments, a system and method are illustrated as including receive pattern data that includes transaction data relating to transactions between persons. Next, the system and method may include building at least one secondary network based upon the pattern data. Additionally, the system and method may include displaying the at least one secondary network. | 2009-06-04 |
| 20090144214 | Data Processing System And Method - Embodiments of the invention relate to a method of selecting events for prediction, the method comprising determining candidate events for prediction; determining, for each candidate event, a network of cause events associated with the candidate event; determining, for each cause event, a probability of occurrence in respect of the associated candidate events; and selecting candidate events for prediction based on respective confidence levels of the networks of cause events. | 2009-06-04 |
