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23rd week of 2011 patent applcation highlights part 61
Patent application numberTitlePublished
20110137700METHOD AND APPARATUS FOR SCHEDULE MANAGEMENT INCLUDING SHARED RESPONSIBILITIES - A method is provided for creating a calendar event whose responsibility is shared among a plurality of responsible parties, assigning the calendar event to a subset of the plurality of responsible parties, updating the calendars of each of the subset of the plurality of responsible parties with the calendar event, and resolving any conflicts that the subset of the plurality of responsible parties may have with the calendar event by reassigning the calendar event to a second subset of the plurality of responsible parties. The assigning of the calendar event may also include a fairness assessment that evaluates the previously completed calendar events and the scheduled future calendar events for the subset of the plurality of responsible parties.2011-06-09
20110137701METHOD FOR VARYING RESOURCES AT A CALL CENTER BASED UPON PREDICTED CALL CENTER VOLUME - A computer method that is used to control call center volumes for a range of dates. The method involves utilizing previous mailing campaign and call center response data to determine when the mail arrives in the home and when a call center is contacted in response to information in the mail; predicting the call center volumes based initially on the previous campaign and call center response data and as the mailing campaign and call center responses progresses updating call center predictions based on current mailing campaign data; and determining in home mail volumes needed to control call center volumes.2011-06-09
20110137702WORKFLOW APPLICATIONS - A facility is described for enabling workflow applications. The facility receives a request to identify an optimized resource list that identifies resources capable of performing a workflow process task. The workflow process task can be associated with a document type relating to a document associated with a workflow envelope. The workflow envelope can store multiple documents of at different document types. The facility includes a workflow engine and a simulation engine. The workflow engine performs workflow process tasks based on the tasks identified in the workflow envelope. The simulation engine can employ modeling and historical data from a workflow metrics data source to generate the optimized resource list and identify identifying resources matching the workflow process tasks identified in the workflow envelope.2011-06-09
20110137703METHOD AND SYSTEM FOR DYNAMIC PROBABILISTIC RISK ASSESSMENT - The DEFT methodology, system and computer readable medium extends the applicability of the PRA (Probabilistic Risk Assessment) methodology to computer-based systems, by allowing DFT (Dynamic Fault Tree) nodes as pivot nodes in the Event Tree (ET) model. DEFT includes a mathematical model and solution algorithm, supports all common PRA analysis functions and cutsets. Additional capabilities enabled by the DFT include modularization, phased mission analysis, sequence dependencies, and imperfect coverage.2011-06-09
20110137704SYSTEM AND METHOD FOR CALCULATING A COMPREHENSIVE PIPELINE INTEGRITY BUSINESS RISK SCORE - A method and system for calculating pipeline integrity business risk score for a pipeline network is provided. The method includes a step of first calculating a structural risk score, an operational risk score and a commercial risk score for each pipeline segment in a pipeline network. The method further includes calculating pipeline integrity business risk score for each pipeline segment. The structural risk score, operational risk score, commercial risk score and pipeline integrity business risk score for each pipeline segment is rolled-up to calculate the respective risk scores of a pipeline network. The rolled-up risk scores are calculated by computing weight factors for each pipeline segment, relative risk scores weight of each pipeline segment and relative risk scores contribution of each pipeline segment. The system of the invention comprises executable files, dynamic linked libraries and risk score computing modules configured to display the risk scores using a dashboard.2011-06-09
20110137705METHOD AND SYSTEM FOR AUTOMATED CONTENT ANALYSIS FOR A BUSINESS ORGANIZATION - A method and a system for automated content analysis to assess impact on one or more business organizations. Content is aggregated from at least one content provider. The aggregated content is classified in knowledge ontology on the basis of a plurality of attributes of the content. Subsequently, a score is assigned corresponding to the impact of the classified content on the business organization in accordance with a set of scoring rules. Finally, a graphical representation is generated showing a cumulative score corresponding to the impact of the content on the business organization assessed during a predefined time period.2011-06-09
20110137706FRAMEWORK AND SYSTEM FOR PROCUREMENT, IDENTIFICATION AND ANALYSIS OF POTENTIAL BUYERS OF REAL ESTATE - A method, computer program product and system are disclosed for procuring, identifying, collecting, analyzing and tracking potential buyers and investors of real property using an electronic network like the Internet. A central managing authority uses uniquely configured data processing devices and signage bearing QR Codes to induce potential buyers of real estate to electronically contact the central managing authority in manner which allows the central managing authority to track when, how and where the potential customers where induced to make contact. The disclosed method and system uniquely assist the central managing authority in the solicitation of the newly acquired sales leads to save expending inefficient amounts of time and money inherent in realizing traditional methods. Signage is printed bearing and RFID tag or two- or three-dimensional bar codes, such as a QR Code, and positioned in accordance with a predetermined criteria. Certain embodiments of the present invention include substitute means of identifying, soliciting, tracking, and analyzing potential buyers of real estate and other commercial offerings.2011-06-09
20110137707Customer experience improvement system and method - A customer experience improvement system and method for the hospitality industry is disclosed. Embodiments of the present invention provide a system and method for entering customer experience issues into a computer system that maintains records in a database. The user is guided to enter information that allows for collaboration, and identification of a root cause. Solutions for the customer experience issues can then be developed. Report tools provide an overview of various types of issues.2011-06-09
20110137708Prioritized Promising with Preemption in Supply Chains - A supply chain management plan includes supply events for inventory and times at which the supplies will be received. The plan further includes demand events and when they occur. The demands may be prioritized. For each demand priority, an available to promise (ATP) amount of supply is determined in accordance with demand events of that priority. The ATP is determined for higher priority demand events before it is determined for lower priority demand events. Cancellations of a priority k order may be processed by determining, for each demand priority context i=k+1 to N, an amount of inventory to restore to available status at a particular supply event based upon a minimum ATPRG value between the particular supply event and the order committed date.2011-06-09
20110137709TRIGGERING AND CONDUCTING AN AUTOMATED SURVEY - Systems and methods for initiating and conducting an automated survey are disclosed herein. According to some implementations, a computer-readable medium may be encoded with computer-executable instructions, wherein the computer-executable instructions includes logic adapted to receive a notification of the occurrence of a trigger event associated with a service performed for a customer. The computer-executable instructions further include logic adapted, in response to receiving the notification, to initiate an automated survey to be offered to a survey recipient. Additional logic is adapted to conduct the automated survey. The instructions also include logic adapted to receive survey result information from the survey recipient in response to the automated survey.2011-06-09
20110137710METHOD AND APPARATUS FOR OUTLET LOCATION SELECTION USING THE MARKET REGION PARTITION AND MARGINAL INCREMENT ASSIGNMENT ALGORITHM - A system and method of determining at least one location for a retail outlet in a region are described. The system and method use clustering technology for partitioning the region into a fixed number of sub-regions. Then, the system and method compute marginal increments from input data for each sub-region. The system and method choose a sub-region having a maximal marginal increment for a location of a first retail outlet.2011-06-09
20110137711DETECTING ANOMALIES IN FIELD FAILURE DATA - A method of detecting anomalies in the service repairs data of equipment. A failure mode-symptom correlation matrix correlates failure modes to symptoms. Diagnostic trouble codes are collected for an actual repair for the equipment. The diagnostic trouble codes are provided to a diagnostic reasoner for identifying failure modes. Diagnostic assessment is applied by the diagnostic reasoner for determining the recommended repairs to perform on the equipment in response to identifying the failure modes. Each of the recommended repairs is compared with the actual repair used to repair the equipment. A mismatch is identified in response to any recommended repair not matching the actual repair. Reports are generated for displaying all of the identified mismatches. The reports are analyzed for determining repair codes having an increase in a number of anomalies. Service centers are alerted of a correct repair for the identified failure mode.2011-06-09
20110137712Computerized system for processing transaction data - A system and method of managing purchasing contracts between supplier entities and customer entities for the purchase of products includes the step of generating at least one purchasing contract between at least one supplier entity (e.g., a product originator such as an airline company or a distributor such as travel agency) and at least one customer entity. The purchasing contract generated is one that is applicable to one or more contracted purchasing transactions effected, at least partially, through a computerized system. The generating step includes identifying one or more contract terms, wherein each contract term has one or more term attributes, and storing a term data set of the term attributes associated with each contract term in one or more computer databases. The method also involves collecting transaction data relating to one or more purchasing transactions and storing the transaction data in one or more computer databases. Preferably, a computer program is executed to identify one or more of the purchasing transactions as a contracted transaction (i.e., applicable to a specific contract) by selecting at least a portion of the transaction data for a purchasing transaction and comparing the selected portion with the term attributes for a contract term. In this way, the transaction may be identified as a contracted transaction if the selected portion is identified with one or more of the term attributes.2011-06-09
20110137713SYSTEM AND METHOD FOR ANALYZING NONSTANDARD FACILITY OPERATIONS WITHIN A DATA CENTER - A computer implemented method and a data center management appliance for simulating nonstandard operation of an element of a data center is provided. The method includes acts of determining a one data center resource affected by a data center element, selecting a simulator from a plurality of simulators based on the data center resource and the data center element and generating a impact analysis of the nonstandard operation of the data center element using the simulator. The data center management appliance includes a network interface, a memory and a controller coupled to the network interface and the memory. The controller is configured to determine a data center resource affected by a data center element, select a simulator from a plurality of simulators based on the data center resource and the data center element and generate a impact analysis of nonstandard operation of the data center element using the first simulator.2011-06-09
20110137714SYSTEM FOR MANAGING BUSINESS PERFORMANCE USING INDUSTRY BUSINESS ARCHITECTURE MODELS - A system and dashboard are provided for managing business performance. Key performance indicators developed for a component business model map are computed and displayed along with the map in real time. A user may select a corresponding key performance indicator to display a heat map of components on the dashboard.2011-06-09
20110137715RF-BASED ELECTRONIC SYSTEM AND METHOD FOR AUTOMATIC CROSS-MARKETING PROMOTIONAL OFFERS AND CHECK-OUTS - A method and apparatus for providing cross-marketing and promotional offers to a customer using an electronic tag product identification system is disclosed. The disclosed technology also allows for presenting promotional offers in an automatic check-out process. RFID smart tags are associated with products in a place of purchase or a place of selection of such products. Each distinct product is associated with at least one smart tag, the smart tags containing identification information regarding their respective products. RFID smart tag readers are used to retrieve product information including information concerning promotional offers, purchase prices and expected product weights. Such promotional offers are presented to the customer and may be real-time promotional offers, near real-time promotional offers or generic promotional offers.2011-06-09
20110137716Methods for Providing Digital Incentives Including a Digital Incentives Switch for Matching Transactions and Incentives - Systems and methods for providing digital incentives or financial offsets including the steps of: providing a financial platform operable on a server computer and at least one database in electronic, digital communication over a network, the financial platform operable for financial services transactions; providing a database of profile data for the at least one user; developing a digital incentive program for stimulating financial transactions by at least one user, the digital incentive program including profile factors from the profile data of the at least one user; automatically providing at least one digital incentive to corresponding of the at least one user, the at least one digital incentive available for a redemption by each of the users, wherein the digital incentive has an electronic financial transaction value available for the redemption on any electronic financial transaction media, and wherein the redemption of the electronic financial transaction value of the digital incentive does not occur at a merchant level of the financial transactions.2011-06-09
20110137717System for Providing Digital Incentives Including a Digital Incentives Switch for Matching Transactions and Incentives - Systems for providing digital incentives or financial offsets including a financial platform operable on web-based platform including a server computer and at least one database in electronic, digital communication over a network, the financial platform operable for financial services transactions; providing a database of profile data for the at least one user; a digital incentive program for stimulating financial transactions by at least one user, the digital incentive program including profile factors from the profile data of the at least one user; at least one electronic digital incentive being automatically offered to at least one user, the at least one digital incentive available for a redemption by each of the users, wherein the digital incentive has an electronic financial transaction value available for the redemption on any electronic financial transaction media, and wherein the redemption of the electronic financial transaction value of the digital incentive does not occur at a merchant level of the financial transactions.2011-06-09
20110137718System and method for providing shopping aids and incentives to customers through a computer network - A system and method for delivering purchasing incentives and a variety of other retail shopping aids through a computer network, such as by E-mail over the Interne or the World Wide Web. Customers (2011-06-09
20110137719EVENT-CENTRIC COMPOSABLE QUEUE, AND COMPOSITE EVENT DETECTION METHOD AND APPLICATIONS USING THE SAME - Disclosed herein are an Event-centric Composable Queue (ECQ), and a composite event detection method and applications using the same. The ECQ includes a Composition Link Table (CLT) having basic information about the composition of a network of ECQs, a Shared Instance Queue (SIQ) for storing preceding event objects which are shared by a plurality of detection sentences and which are required for composite event detection, and a Partial Composition Block (PCB) for storing the intermediate results of the calculation of the extent to which each stored event object satisfies a specific composite event detection sentence.2011-06-09
20110137720SYSTEM AND METHOD OF SUPPORTING A COMMUNITY BASED PROGRAM, INCREASE BUSINESS FOR LOCAL MERCHANTS, AND INCREASE USE OF FINANCIAL CARDS - A system and method where a give back program is offered to a merchant who signs-up for the program by accessing a website provided by an independent third party service provider. The merchant inputs information including purchase criteria. A cardholder uses a financial card for a transaction with the merchant and the transaction information is transmitted to a financial institution.2011-06-09
20110137721MEASURING ADVERTISING EFFECTIVENESS WITHOUT CONTROL GROUP - Measurement data is accessed. The measurement data is associated with a group of users that have been exposed to at least one advertising creative that is part of an advertising campaign. The measurement data reflects one or more consumer responses and one or more non-zero exposure levels. The non-zero exposure levels correspond to non-zero amounts of exposures to at least one advertising creative that is part of the advertising campaign. A model that relates consumer response measures to one or more exposure levels is generated based on the accessed measurement data. Based on the generated model, a consumer response measure for a zero exposure level is determined. The zero exposure level corresponds to a zero amount of exposures to at least one advertising creative that is part of the advertising campaign. An advertising effectiveness metric is determined based on the consumer response measure for the zero exposure level and the accessed measurement data.2011-06-09
20110137722Method of Recording Usage of an Online Social Network - A method comprises receiving a logon request from a user of an online social network; processing the logon request to log the user in to the online social network; and recording usage of the online social network by the user.2011-06-09
20110137723NODE NAME BASED CONTENT DELIVERY - A method may include receiving a media delivery request via a network. Node name information associated with the media delivery request may be received. An advertisement may be selected from a number of available advertisements based on the node name information. The selected advertisement may be included with the media. The media may be transmitted via the network.2011-06-09
20110137724METHOD, SYSTEM AND APPARATUS FOR ADVERTISEMENT DELIVERY FROM ELECTRONIC DATA STORAGE DEVICES - A system, method and computer program product for delivering advertisements via electronic data storage devices, including an electronic data storage device, including a memory, a controller processor, and a pre-loaded target advertisement; and a host device coupled to the electronic data storage device. The controller processor or an additional processor is configured to deliver the target advertisement to the host device by inserting or overlaying the target advertisement in a target file as the host device reads the target file from the electronic data storage device.2011-06-09
20110137725Internet Contextual Communication System - A computer system for identifying contextually-targeted ads to be displayed with the content of a web page on a display of a user workstation. The system includes a data store for storing a set of rules defining the relevancy of available ads to a number of predetermined structured objects, and a processor configured to apply the set of rules to identify the targeted ads. The processor obtains the content of the web page, extracts keywords from the web page, parses the extracted keywords to form structured objects incorporating the keywords, and applies the set of rules to identify the contextually-targeted ads.2011-06-09
20110137726RECOMMENDER SYSTEM BASED ON EXPERT OPINIONS - The invention refers to a method and system for recommending items of interest to a target and more particularly to a recommender system predicting user interest based on expert opinions.2011-06-09
20110137727SYSTEMS AND METHODS FOR DETERMINING PROXIMITY OF MEDIA OBJECTS IN A 3D MEDIA ENVIRONMENT - Systems and methods for determining proximity of objects in a three-dimensional (3D) media guidance application are provided. A first rank may be associated with a first media object. A second rank lower than the first rank may be associated with a second media object. The first and second media objects may appear at respective first and second distances in 3D space when viewed using a stereoscopic optical device. The first and second distances may correspond respectively to the first and second ranks of the first and second media objects. The first and second ranks may be automatically associated with the first and second media objects using predetermined or viewer-defined criteria. A viewer may input ranking criteria using a user input device having an accelerometer.2011-06-09
20110137728METHOD AND APPARATUS FOR ENTERTAINMENT AND INFORMATION SERVICES DELIVERED VIA MOBILE TELECOMMUNICATION DEVICES - A method and system for entertainment and information services delivered via mobile telecommunication devices include a communication network, and a station communicatively linked to the communication network. The station includes an output and an interface. Also included is a head-end having at least one database configured to store programs including an audio content. The head-end receives a request from the station for a desired one of the programs, verifies the request, transmits a first portion of the desired program to the station, and records an association between the identification and the desired program. The head-end further suspends transmission of a second portion of the program based upon detection of an indication to suspend transmission. The head-end further transmits the second portion of the program based upon detection of an indication to resume transmission and stored bookmark data indicating the starting location in the program of the second portion.2011-06-09
20110137729METHOD AND APPARATUS FOR ENTERTAINMENT AND INFORMATION SERVICES DELIVERED VIA MOBILE TELECOMMUNICATION DEVICES - A method and system for entertainment and information services delivered via mobile telecommunication devices include a communication network, and a station communicatively linked to the communication network. The station includes an output and an interface. Also included is a head-end having at least one database configured to store programs including an audio content. The head-end receives a request from the station for a desired one of the programs, verifies the request, transmits a first portion of the desired program to the station, and records an association between the identification and the desired program. The head-end further suspends transmission of a second portion of the program based upon detection of an indication to suspend transmission. The head-end further transmits the second portion of the program based upon detection of an indication to resume transmission and stored bookmark data indicating the starting location in the program of the second portion.2011-06-09
20110137730COMPUTER IMPLEMENTED METHODS AND SYSTEMS OF DETERMINING LOCATION-BASED MATCHES BETWEEN SEARCHERS AND PROVIDERS - The inventive subject matter is generally directed to matching a party with another party based on profiling of the parties, and optionally an industry category, for parameters that are relevant to making a match, hi certain embodiments, the inventive subject matter facilitates matches between searchers and service providers based on assignment of searchers and service providers to predefined Buyer Types or Service Provider Types based on questionnaires, surveys, and other input and feedback mechanisms. In a further aspect, the inventive subject matter is directed to a system for valuing and monetizing a set of leads to offer to a party. In some embodiments, the inventive subject matter is directed to mobile applications for matching searchers with providers based on awareness of the locations of the parties.2011-06-09
20110137731ADVERTISING METHOD AND SYSTEM ADAPTIVE TO DATA BROADCAST - There is provided an advertising method comprising receiving a broadcast request signal from a video on demand (VOD) terminal to download data broadcast; receiving an advertisement request signal from a mobile communication terminal to download advertising broadcast including information on goods related to contents of the data broadcast; synchronizing the data broadcast with the advertising broadcast in such a way that an advertising broadcast scene corresponding to the data broadcast is displayed on the mobile communication terminal while replaying the data broadcast on the VOD terminal; sending the data broadcast to the VOD terminal; and sending the advertising broadcast to the mobile communication terminal.2011-06-09
20110137732Broadcast messaging and feedback communications apparatus and method - A method and communication system for delivering first data to a plurality of recipients and obtaining and manipulating feedback information received from the plurality of recipients is provided. The communication system comprises a host computer, a network, one or more client devices and a plurality of recipients. The host computer includes a set of instructions for operating one or more modules. The network is coupled to the host computer and the one or more client devices are coupleable to the network for coupling to the host computer via the network to access some or all of the one or more modules. The host computer can couple to each of the plurality of recipients in one of a plurality of predetermined delivery modes, wherein the client is able to customize contact of the plurality of recipients from the host computer and collection of feedback data from the recipients at the host computer2011-06-09
20110137733METHODS FOR CAPTURING AND REPORTING METRICS REGARDING AD PLACEMENT - Systems and methods for recording impression events of Ad content on a webpage. An example method renders on a display of a computer device a webpage accessible over a network. The webpage includes at least one Ad unit. Then Ad tag information associated with the at least one Ad unit and browser viewport information (display location and size information) is retrieved. The occurrence of an Ad Placement event is determined if based on the comparison a predefined percentage of the Ad unit is within the browser viewport. An Ad Placement event timer is begun upon the determination of occurrence of the Ad Placement event. The Ad Placement event timer is stopped if an out-of-view event has occurred based on the Ad tag information and the browser viewport information. An Ad Placement event is then recorded. The recorded Ad Placement event is transmitted to a previously designated server over the network.2011-06-09
20110137734Methods of Branding Through Educational Media and Related Computer & Software Platforms - Disclosed is a new method and related applications for the national, and global branding of multi-dimensional business models through the process and use of productions of educationally based media programs where there is not a clear “call to action” or advertisement. The educational media programs employed are those featuring topics of interest to adult audiences, and branding is solidified as a result of goodwill and developing trust with the public. Subsequent to a goodwill building stage, commercial exploitation of said brand commences by a variety of methods including through the use of software and computing means.2011-06-09
20110137735USES OF MULTIPLE LOCATION PARAMETERS, POLYGONAL EXCLUSION AND INCLUSION ZONES, AND OTHER INPUT DATA IN LOCATION-COUPLED INFORMATION SELECTION - A method for presenting advertisement images on a display screen, comprising: subdividing a map image into a plurality of geographic regions; associating an advertisement image with a region of the plurality of geographic regions; receiving a signal indicative of a group of regions of the plurality of geographic regions; receiving a signal indicative of a region-of-interest, the region-of-interest corresponding to at least one region of the plurality of geographic regions; determining whether the region and the region-of-interest are included in the group of regions, and if so, generating a presentation of the advertisement image; and, displaying the presentation on the display screen.2011-06-09
20110137736Using social network activity to characterize viewers across multiple internet activities - A system and method for characterizing viewers across multiple Internet activities is provided. A communication system communicates a personal identifier between a plurality of distant channels of promotions presented to a social network member of a social network communication system and a corresponding non-social network sponsoring business system of the promotions. A data analysis computer system tracks the personal identifier communications and generates a report to characterize the tracked data related to the promotions of the online non-social network sponsoring business system and the personal identifiers of the members.2011-06-09
20110137737SYSTEMS AND METHODS FOR CAPTURING AND REPORTING METRICS REGARDING USER ENGAGEMENT INCLUDING A CANVAS MODEL - Systems and methods for capturing user engagements with Ad content included in a webpage. An example method renders a webpage having an Ad unit within a browser on a display of a user's computer. Then, a cursor event for an Ad unit included in the rendered webpage is recorded based on cursor position relative to an area on the webpage associated with the Ad unit and the recorded cursor event is transmitted to a server via a network for reporting to interested parties. The cursor event includes an initial cursor entry event, any click actions or any hover actions, and all related timings of such events. The recordation of a cursor event is further based on location information associated with the browser within the display, the webpage within the browser and the ad area within the webpage.2011-06-09
20110137738Methods for distributions of digital files - The invention relates to a process for distributing files, having the steps of receiving at least one digital file, transmitting the digital file to a location, and selecting at least one content provider. The process also has the steps of updating a content of the content provider to provide a reference to the digital file at the location, generating an updated digital file by adding information which identifies the content provider to the digital file when the reference to the digital file is selected at the content provider, and transmitting at least a portion of the at least one updated digital file to a client network.2011-06-09
20110137739POST-SESSION INTERNET ADVERTISING SYSTEM - The present invention is directed to a post-session advertising system that may be used in media such as computers, personal digital assistants, telephones, televisions, radios, and similar devices. In one preferred embodiment, a first display is viewed in a first platform in the foreground of a media by a viewer. A viewer initiates a load triggering event and in response, a post-session platform is opened to display a post-session display in the background of the media, Significantly, in the preferred embodiment, the post-session platform stays in said background until a view triggering event occurs. The type of platform and display used will depend significantly on the media. In one preferred embodiment of the present invention an optional focus timer is activated by the view triggering event to allow an accurate assessment of the actual time a viewer focuses on the display in the post-session platform. In another alternate preferred embodiment of the present invention, the number of post-session platforms is limited to, for example, one platform.2011-06-09
20110137740PROCESSING VALUE-ASCERTAINABLE ITEMS - Techniques are provided for allowing a merchant to process third party closed-loop instruments (such as gift cards) as if the closed-loop instruments were open-loop instruments. A customer provides card data of a third party gift card to a merchant, e.g., online or in a merchant store, for the purchase of one or more items provided by the merchant. The merchant sends the gift card data to an intermediary that deducts at least a portion of the balance of the gift card. The intermediary sends an offer for the gift card to the customer. If the customer accepts the offer, then the merchant applies the offer towards the total purchase price of the one or more items.2011-06-09
20110137741PATH QUERIES - Data identifying a path is received between two or more geographic locations. Path information is identified along or near the path. A relevance is associated to the path information. A subset of the path information having a highest relevance is provided.2011-06-09
20110137742PAYMENT USING UNIQUE PRODUCT IDENTIFIER CODES - Various methods and systems are provided to capture a unique product code, such as QR code, on a mobile device, process the information contained in the code, provide the user with options of making a purchase, including purchasing a plurality of selected products from different captured codes, and processing the payment via the user's mobile device.2011-06-09
20110137743SYSTEMS AND METHODS OF PRODUCT PLACEMENT - A product seller site distributes on a pay for placement basis placed product with purchased product when the purchased product is delivered, where the placed product is associated with the purchased product by at least one specific characteristic. For example, the owner of a product funds an account and supplies product samples to be distributed to customers purchasing similar products. Further, the product owners bid or pay a fee to place their product with the customer. When the customer purchases a product, a search engine determines which products from a database of products available for placement meet the search criteria and offers to distribute the placement product with the purchased product. The search criteria comprise matching the purchased product with similar products to be placed with the purchased product and finding the highest bidder or fee from the group of matching placement products. The account associated with the matching placement product is debited when the matching placement product is distributed to the customer.2011-06-09
20110137744METHOD AND SYSTEM OF FACILITATING A TRANSACTION - A method and system facilitate a transaction via a network-based transaction facility. For example, a pre-order relating to an item is recorded in a database; a plurality of offers to sell the item is received; and a matching operation to detect a correspondence between the pre-order and the plurality of offers is automatically performed using processor-implemented logic. The pre-order is set to a reserve state in the database based on at least one offer of the plurality of offers matching the preorder, in which the reserve state reserves the at least one offer pending establishment of a transaction for the at least one offer.2011-06-09
20110137745SYSTEMS AND METHODS FOR IDENTIFYING THIRD PARTY PRODUCTS AND SERVICES AVAILABLE AT A GEOGRAPHIC LOCATION - Systems and methods for identifying third party products and services available to geographic location. Generally, the system identifies a subject address or location at which services are desired. Next, the system parses, standardizes, and verifies the subject address as a valid physical location. Then, the system identifies relevant market(s) corresponding to the subject address, and determines product and service offerings in the relevant market(s). Further, the system determines capabilities required to effectuate the determined service offerings at the location, and identifies capabilities available at the geographic location. Subsequently, the system compares the required capabilities of the services to the available capabilities at the location to generate serviceability information corresponding to services actually available at the location. Finally, the system provides the serviceability information to a user for selection of particular products and services, or stores the information for further processing within the system.2011-06-09
20110137746CONTENT DISTRIBUTION SYSTEM AND CONTENT DISTRIBUTION METHOD - A content distribution system which assures reliability of content is provided. Permitted-user information corresponding to a user who is permitted to use content to be distributed is associated with the content. In the case where user specific information which specifies a user and the permitted-user information do not have a predetermined relation, a user terminal transmits the user specific information and the permitted-user information to a server. The server generates user-related information in which the received user specific information is set as a distribution destination and the permitted-user information is set as a distributor, generates new permitted-user information so as to have the predetermined relation with the user specific information, and provides the new permitted-user information to the user terminal. The user terminal which obtains the new permitted-user information changes the permitted-user information to the new permitted-user information.2011-06-09
20110137747Search Engine System and Method Using Directories of Products and Services for Facilitating Supply Chain Integration and Communication - The method and system manages supply chain purchases of goods and services (G-S) using a distributed computer system coordinating interested customers with vendors who offer G-S. The system uses a database or accesses a vendor's database having default offer records which include G-S descriptions, price, payment terms, delivery data, and set-aside parameters. A sophisticated system includes customer specific offer records for approved customers with specific price, payment, delivery and set-aside parameters. Customers search the database, and if previously registered and accepted by the vendor, the customer can reserve a defined quantity of G-S in accordance with set-aside parameters, request a quote, and/or purchase G-S from the vendor. Further, the system rates the vendor and the customer based upon timely performance of, for the customer reservation followed by purchase of G-S within the defined quantity, and for the vendor, timely delivery of G-S and timely notice of customer acceptance.2011-06-09
20110137748Systems and Methods for Virtual Credit Card Transactions - The present invention is directed to methods and devices for secure virtual credit card transactions. In one embodiment, a consumer system initiates a transaction with a merchant system. The consumer system generates a first verification code and a second verification code. The consumer system provides the merchant system with the first verification code. The merchant system transmits the first verification code to an authorizing entity, and the consumer system independently transmits the second verification code to the authorizing entity. The authorizing entity compares the verification codes received from both the consumer system and the merchant system. Based on the results of the comparison, the authorizing entity either approves or rejects the transaction.2011-06-09
20110137749System and Method for Pooled Electronic Purchasing - A method executable by a computer system for making joint purchases. The preferred embodiment of the present invention enables customers to establish purchase terms, interactively with the server system, which ensure that the correct amount will be raised (i.e. there will be no surplus or shortfall) and that the participants will contribute appropriate amounts to the overall total through the use of various contribution methods. The preferred embodiment uses the mechanism of direct debit pre-authorized payments to ensure there is no value transfer until the purchase terms have been satisfied, and to guarantee access to the promised funds when they required.2011-06-09
20110137750INTERNET CURRENCY AND A SYSTEM AND METHOD FOR ONLINE INTERNET CURRENCY TRANSACTIONS - The various embodiments herein provide a system and a method for online internet currency transactions. The system and method includes a Central Internet Bank (CIB) created at World Wide Web (WWW) level. A network is provided in electronic communication with the CIB. A plurality of account holding entities are registered with the CIB. A plurality of online service providers is associated with each account holding entity. An Internet Credit Rating Agency (ICRA) is associated with the account holding entities. The CIB issues and holds Binary Credit Bits (BCB) of the account holding entities and authenticates online transactions between at least two account holding entities in real time and authenticates online transactions between at least one account holding entity and at least one online service provider in real time.2011-06-09
20110137751COMPUTERIZED SYSTEM FOR FACILITATING TRANSACTIONS BETWEEN PARTIES ON THE INTERNET USING E-MAIL - A payment system and method are disclosed for processing financial exchanges over a network between a merchant and a buyer. For example, receiving from a merchant, over the network, information associated with a financial transaction and non-financial data relating to a buyer involved in the financial transaction. Authorizing payment, associated with the financial transaction, to the merchant on behalf of the buyer using the non-financial data related to the buyer. A notification of the authorized payment on behalf of the buyer is sent to the merchant over the network. Upon notification from the merchant that the buyer has committed to completing the financial transaction, processing payment to the merchant on behalf of the buyer.2011-06-09
20110137752Systems and Methods for Financing Renewable Energy Systems - A method for financing renewable energy systems includes offering a home loan to a homeowner in which the interest payable by the homeowner are tax deductible. A lease is also offered to the homeowner for the installation and use of a renewable energy system. A deposit of cash proceeds from the home loan is put into a trust held by an escrow agent for the single purpose of paying lease payments for the lease as each payment becomes due. Such that the proceeds from the home loan are effectively used to defease the debt represented by the lease.2011-06-09
20110137753AUTOMATED PROCESS FOR SEGMENTING AND CLASSIFYING VIDEO OBJECTS AND AUCTIONING RIGHTS TO INTERACTIVE SHARABLE VIDEO OBJECTS - Disclosed is a system for viewing video having segmented video objects, sharing selected ones of the video objects, and purchasing products associated with the video objects. The system includes a video server communicating with a consumer server over a distributed network. The video server includes at least one video file, an object inventory database, and relevant content in a database stored on or accessible to the video server. The object inventory database contains information describing a location of at least one video object within the at least one video file. A video overlay links the relevant content with a given video object and creating a selectable hyperlink whose position tracks a dynamic location of the video object in the video. The consumer server includes a software application for accessing and displaying the at least one video file stored in the video database, the software application including means for interacting with the video overlay to select an object displayed in the video file.2011-06-09
20110137754Methods for distributions of digital files - The invention relates to a process for distributing files, having the steps of receiving at least one digital file, transmitting the digital file to a location, and selecting at least one content provider. The process also has the steps of updating a content of the content provider to provide a reference to the digital file at the location, generating an updated digital file by adding information which identifies the content provider to the digital file when the reference to the digital file is selected at the content provider, and transmitting at least a portion of the at least one updated digital file to a client network.2011-06-09
20110137755VISUAL DIAGNOSTIC SYSTEM AND SUBSCRIPTION SERVICE - A visual diagnostic system is disclosed. The visual diagnostic system has a sensor located onboard a machine to generate a signal indicative of a status of a machine component, and a user interface associated with the machine to receive input from and provide information to a user. The visual diagnostic system also has a controller in communication with the sensor and the user interface. The controller is configured display on the user interface a model containing the machine component in response to the signal.2011-06-09
20110137756Auctioning Provider Prices - A computer-implemented method includes receiving, at a computer-based system for connecting consumers with providers in real time over the Internet, requested compensation amounts from a plurality of providers. The method also includes displaying a price associated with consulting with a particular provider to a consumer on a user interface, the price being based at least in part on the requested compensation amount received from the provider.2011-06-09
20110137757Systems and Methods for Developing and Distributing Illumination Data Files - Embodiments of the present invention relate to systems and methods for creating, distributing and playing illumination data files. The illumination data files, created using luminaire development systems are uploaded to a luminaire management system, where they are further processed and packaged for sale or license within a luminaire marketplace. Consumers and enterprises using luminaires may establish accounts with the luminaire management system and marketplace to access illumination data files for playback on individual or multiple luminaires. Consumers and enterprises may also create play lists and uniquely configure the luminaires to display various lighting effects based on user preferences, environmental factors or energy efficient settings.2011-06-09
20110137758Method and system for interactive virtual customized vehicle design, purchase, and final acquisition - An electronic system for the customization, visualization, integration, purchase, and acquisition of a vehicle from a vehicle manufacturer. The system is implemented on a computer server or equivalent device, where the server, operated by the manufacturer, is accessible over the internet via a suitable end-user operated computing device, the server generating a menu driven visual interface viewable on the computing device. The system allows for all aspects of a customized vehicle purchase to be performed by the user, substantially streamlining the selection and acquisition process. The system can be interfaced with third party parts databases, allowing for incorporation of parts from a variety of manufacturers.2011-06-09
20110137759SYSTEM AND METHOD FOR PROVIDING INFORMATION REGARDING A STATUS OF AN ITEM - A system. A system includes a computing system. The computing system includes a processor, a first module, a second module, and a third module. The first module is communicably connected to the processor and is configured for receiving chain of custody information associated with an item. The second module is communicably connected to the processor and is configured for determining a status of the item based on the received chain of custody information. The third module is communicably connected to the processor and is configured for arranging data into a specified format. The data includes the status of the item and the chain of custody information. The third module is also configured for transmitting the data.2011-06-09
20110137760METHOD, SYSTEM, AND COMPUTER PROGRAM PRODUCT FOR CUSTOMER LINKING AND IDENTIFICATION CAPABILITY FOR INSTITUTIONS - In an enterprise where a database maintains multiple accounts for one or more business customers, a method, system, and computer program product correctly links accounts which are associated with a single location of a common business. Further hierarchical linkages are established between accounts associated with multiple locations of the common business. The linkages are established via matching rules, the matching rules including provisions for optimizing the quality of the account data, integrating account-related data from external sources, and assigning quality-of-matching factors to different kinds of account data. Both internal and external account data are utilized to create an integrated view, or “business demographics”, of the business structure of the single common business shared by the linked, hierarchically-related accounts. Separate accounts of separate businesses which are nonetheless related accounts may be associated with each other. Feedback loops may be used to correct both erroneous data and the linking rules.2011-06-09
20110137761METHOD FOR DETECTING FRAUDULENT TRANSACTIONS BETWEEN PRACTICE MANAGEMENT AND ACCOUNTING SOFTWARE - A method for detecting fraudulent transactions includes acquiring transaction data entered into an accounting software program and a practice management software program by a monitoring software program. The monitoring software program can be configured to detect any unusual activity in the acquired transaction data and to store detected unusual activity for later review. The monitoring software can be directed to notify a responsible party that unusual activity has been found in the originally acquired data. The monitoring software can be configured to format the acquired data and the data of the unusual activity into a report reviewable by the responsible party.2011-06-09
20110137762Computer implemented method for bill analysis over the internet - A computer software method implemented on a computer for real-time analysis of a company's bill, such as a cell phone bill, by submitting a bill, generated by the billing company in electronic format, over the Internet, using computer loaded published public and current market information for selected billing companies. The computer advises the bill submitter, in real-time, by providing a report for submission to said billing company for correction and adds report to a blind summary in memory of generated reports by type of errors for billing companies from previous analysis for each billing company's collective errors and uses the collective summary for each billing company to enhance and improve future bill analysis on the computer and to provide a summary for each billing company.2011-06-09
20110137763System that Captures and Tracks Energy Data for Estimating Energy Consumption, Facilitating its Reduction and Offsetting its Associated Emissions in an Automated and Recurring Fashion - A system and method for automatically and routinely capturing and tracking energy data, estimating energy consumption, facilitating the reduction of consumption, and offsetting energy emissions.2011-06-09
20110137764Method of Applying Multi-Threaded Framework on Online Charging Network Service - This invention proposes a method of applying multi-threaded framework on online charging network service. Web service process launches listening socket in the service end to wait for connection in the customer end. When the listening socket intercepts connections in the new customer end, the web service process in the service end derives a positive thread, which reads positive data out of the socket and a negative thread, which sends the data to the socket. This invention can ensure that both the positive and negative data in the network interface at any time will be treated on time to fully reduce data transmission delay in the network interface.2011-06-09
20110137765ELECTRONIC SETTLEMENT SYSTEM, ELECTRONIC SETTLEMENT SERVER, MOBILE COMMUNICATIONS TERMINAL, AND ELECTRONIC SETTLEMENT METHOD - An electronic settlement system which is similar to cash settlement and which is usable in a gaming parlor is provided. In the electronic settlement system, a mobile phone communicates with a ball lending machine using a contactless IC card to acquire a device ID from the ball lending machine, and transmits a payment request message including the device ID and a user ID to an electronic settlement server. The electronic settlement server notifies an in-store server of a transfer amount from a user account to a settlement provider account, and the in-store server stores the transfer amount as a deposit. In response to a payment request message from the mobile phone, the in-store server instructs the ball lending machine to provide gaming media corresponding to a gaming medium cost, adds an amount corresponding to the gaming medium cost to a consumed amount, and issues a transfer request to a receiving network so as to transfer the consumed amount from the settlement provider account to a gaming parlor operator account. Upon receiving a provision instruction message from the in-store server, the ball lending machine provides gaming media corresponding to the gaming medium cost.2011-06-09
20110137766Digital Mapping System - Various methods, systems, and apparatus for implementing aspects of a digital mapping system are disclosed. One such method includes sending a location request from a client-side computing device to a map tile server, receiving a set of map tiles in response to the location request, assembling said received map tiles into a tile grid, aligning the tile grid relative to a clipping shape, and displaying the result as a map image. One apparatus according to aspects of the present invention includes means for sending a location request from a client-side computing device to a map tile server, means for receiving a set of map tiles in response to the location request, means for assembling said received map tiles into a tile grid, means for aligning the tile grid relative to a clipping shape, and means for displaying the result as a map image. Such an apparatus may further include direction control or zoom control objects as interactive overlays on the displayed map image, and may also include route or location overlays on the map image.2011-06-09
20110137767METHODS AND SYSTEMS FOR PERFORMING REDIRECTS TO A SEARCH ENGINE - The present invention is related to methods and systems for processing search requests and for performing searches over a network. In an embodiment, a recipient designation is received from a user over a network. The designation indicates that future searches performed by the user are to be associated with the recipient (even if the subject matter of the search is not related to the recipient). A search request is received from the user; causing a search to be performed in response to the search request. An identifier corresponding to the recipient is stored in association with an indication regarding the occurrence of the first search request.2011-06-09
20110137768TRAVEL EXPENSE ADJUSTING APPARATUS AND TRAVEL EXPENSE ADJUSTING METHOD - According to the present invention, a route covered by travel expenses and satisfying a route search condition input by a member of a group who wishes an adjustment of travel expenses is created, and greenhouse gas emissions emitted at a time of using the created route are calculated. The greenhouse gas emissions are offset by subtracting the calculated greenhouse gas emissions from an amount of emission credits stored in a storage unit, and it is determined whether the greenhouse gas emissions have been offset. When it is determined that the greenhouse gas emissions have not been offset, a display unit is caused to display a travel-expense-application rejection notification indicating that an application for an adjustment of travel expenses applied by the member is rejected.2011-06-09
20110137769METHODS, APPARATUS AND SYSTEMS FOR ENSURING WAGE AND HOUR COMPLIANCE IN LOCATE OPERATIONS - Control of locating equipment used by a locate technician to perform a locate and/or marking operation to detect and/or mark a presence or an absence of at least one underground facility at a work site (e.g., locate receivers, locate transmitters, marking devices and/or combined locate and marking devices) is based on time-keeping information associated with the technician and/or wage and hour compliance information. In one example, one or more control signals are generated to at least partially enable or disable one or more piece of locating equipment based at least in part on a time clock status of the locate technician (e.g., clocked-in or clocked-out), and/or wage and hour compliance information associated with the locate technician and/or the work site (e.g., relating to required breaks and/or maximum number of work hours).2011-06-09
20110137770ELECTRONIC CHECKBOOK AND REGISTER - An electronic checkbook for recording and monitoring transactions comprising: a booklet of checks, where said checks are positioned at the lower half of the checkbook; an electronic device, where said electronic device provides a mechanism to store, record and scan receipts, to record transactions related to a plurality of accounts and to display data related to the transactions and the plurality accounts; a power supply, where said power supply supplies power to the electronic device. The mechanism to scan receipts may include a pin scanner connected to the electronic device. In terms of displays, the electronic device may include a display for displaying the results of a scanned document using the pin scanner. The electronic device may include a statement display that displays the information related to the plurality of accounts. The electronic device includes at least one processor, memory and software to execute functions related to the electronic device.2011-06-09
20110137771Method and Apparatus Pertaining to Provision and Use of a Unified Account Current and Statement Billing Workflow - A digital-computing platform provides a unified account current and statement billing workflow. This workflow comprises a plurality of event points including, for example, sending a statement, checking for receipt of a promise to pay, and checking for receipt of a payment. This platform uses an end-user interface to facilitate configuring a specific billing plan by use of this unified workflow. This can comprise configuring at least one action with respect to at least one of the aforementioned event points. By one approach, this can comprise providing an opportunity to select whether and when to send a statement, whether to receive a promise to pay, and/or a date by when to receive such a promise to pay. Configuring a specific billing plan can also comprise, if desired, providing an opportunity to identify an action to automatically take when an expected promise to pay is not received as expected.2011-06-09
20110137772Devices, Systems and Methods for SLA-Based Billing - Devices, systems and methods are disclosed which relate to automatically detecting user dissatisfaction and billing a user accordingly. Systems for providing customer service to a user of a telecommunication network include a mobile communication device having logic for submitting a QoS complaint. A billing server on the telecommunications network retrieves a Service Level Agreement (SLA) for the user from a user account database. The billing server also communicates with a CDR database having CDRs associated with the SLAs. Some of the CDRs include QoS complaints from the user. A logic on the billing server references the CDRs. If the billing server determines that a user is not receiving the QoS that is defined in the SLA, then the billing server calculates a discount to apply to the relevant bill. If the billing server determines that the user is dissatisfied with the QoS they are receiving, when the QoS is consistent with the SLA, then the SLA is modified to increase the QoS, and the user is billed accordingly.2011-06-09
20110137773Devices, Systems and Methods for Identifying and/or Billing an Individual in a Vehicle - Devices, systems, and methods are disclosed for identifying a driver versus a passenger within a smart vehicle. This involves a determination of the relative positions of the wireless communication devices within the smart vehicle using near-field communication (NFC) or GPS, AGPS, etc. The wireless communication device detected closest to the driver seat is assumed to be the device owned by the driver. Once identified, the driver can be billed for tolls and other road services, based on the location of the smart vehicle. For instance, as the smart vehicle approaches a toll, a notification can be sent to all of the wireless communication devices. A response from a particular wireless communication device will result in the corresponding user's account being billed for the toll. Further, the smart vehicle can communicate with near-field transceivers placed, for instance, alongside a High-Occupancy Vehicle (HOV) lane. A driver of the vehicle can be billed, fined, or ticketed based upon a determination of an absence of passengers in the smart vehicle.2011-06-09
20110137774RUNTIME ENVIRONMENT SALES SETTLEMENT - A system may include an enterprise content settlement server including an extract, transfer and load process configured to receive a first set of usage data and a second set of usage data. The system may further include an enterprise content settlement engine configured to settle the first set of usage data and the second set of usage data according to a contract including at least one settlement rule.2011-06-09
20110137775Passive RFID postage stamps and method of using the same - A system and method for postage payment utilizes passive RFID tags as postage “stamps”, with the amount of the postage automatically billed to a previously-established customer account. The tags are stored in a separate stamp database and are “enabled” by linking the individual tag to a customer account. The use of the RFID stamps eliminates the need for the customer to know the proper postage beforehand. The existence of a customer account with a proper return address reduces the likelihood of a dead letter. Also, a special category of stamps may be used for automatic reply mail. By virtue of using an RFID tag, the mailed item's progress through the postal delivery system may be tracked from dispatch to delivery.2011-06-09
20110137776SYSTEMS AND METHODS FOR MANAGING AND/OR RECOMMENDING THIRD PARTY PRODUCTS AND SERVICES PROVIDED TO A USER - Systems and methods are described for an electronic services management system that enables a user to manage all or many of his or her third party products and services from one electronic platform. Specifically, the system includes operative connections to service provider systems so as to track customer usage of various third party products and services, and thus provide the user with a consolidated view of the user's products and services and enable the user to track usage and expense of the services, compare the expense to predetermined budget amounts, compare the usage to other users, etc. Additionally, the services management system recommends personalized product or service offerings to users based on the users' preferences and specific service usage. Further, the system provides alerts to the users when certain usage or expenditure thresholds are reached, when payments become due, or when new offers, deals, or service promotions become available.2011-06-09
20110137777Management Of Volumetric Product Delivery - A billing system for supply contrasts in an industrial network is disclosed. In the case of a pipeline, a process flow computer installed at each customer site may each receive instantaneous flow readings from a flow meter. The process flow computer may be configured to accumulate product volumes in different volume groups, where each volume group corresponds to a range of instantaneous flow rates. Different volume groups may be associated with different rates ultimately charged to a customer. The volume groups may be assigned by a computing system running a billing application at a pipeline operations control center. Volume groups may be set for individual customers based on a contract summary of an agreement between a given customer and the operator of an industrial network.2011-06-09
20110137778INFORMATION PROCESSING APPARATUS CAPABLE OF REALIZING PROPER BILLING PROCESSING, METHOD OF CONTROLLING THE INFORMATION PROCESSING APPARATUS, AND STORAGE MEDIUM - An information processing apparatus which make it possible to achieve correct billing processing free from an error in the amount of processed pages and prevent users from using a service without being billed. A cloud is connected via a network to a printer that receives data and performs image processing thereon. A processing server performs predetermined processing on data received via the network. A directory server transmits processed data formed by the predetermined processing to the printer. A billing server performs billing for the predetermined processing, after a completion notification indicative of completion of the image processing is received from the printer. The director server determines whether the received data requires the completion notification. When the received data requires the completion notification, the directory server transmits processed data of a next page after receiving the completion notification on processed data of a preceding page.2011-06-09
20110137779SHINGLES CUTTING APPARATUS AND METHOD THEREOF - Is hereby provided an apparatus for batch cutting shingles, the apparatus comprising a table including a carriage module for receiving a plurality of shingle sheets thereon; and a power pack module supported by the table and operatively connected to a cutting module including at least two cutting blades mounted on a support arm, the two cutting blades being disposed at an angle thereof and adapted to simultaneously cut the plurality of shingle sheets to produce a plurality of shingle caps. A method of billing shingles cuttings with an apparatus for batch cutting shingle sheets and a method of cutting bundles of sheaves is also provided.2011-06-09
20110137780PACKAGE BILLING FOR MICRO-TRANSACTIONS - The invention relates to a method and system for billing a mobile device user for a services and/or products requested by the user, in which a message request is received from the mobile service that is directed to the mobile device user, and wherein the mobile phone user is charged only once for a predefined amount or number of message-related services or products, thereby making the billing experience clearer to the user.2011-06-09
20110137781Intermarket Analysis - A method and a system for performing intermarket analysis. The method can include, from a pool of available markets in which at least one key intermarket has been selected and removed, selecting at least one market as a general intermarket, and removing the market selected as the general intermarket from the pool of available markets. From the pool of available markets from which the general intermarket has been removed, at least one market can be selected as a predictive intermarket and removed from the pool of available markets. Market data for each of the key intermarket, the general intermarket and the predictive intermarket can be processed to train a neural network. After training the neural network, market data for the primary market can be processed with the neural network to predict future market data for the primary market. The predicted future market data can be output.2011-06-09
20110137782SYSTEM AND METHOD OF RECORDING, SHARING, AND STORING DATA AND MATERIALS FOR SELECTIVE RETRIEVAL - A method, a process, and a location for a customer to store life-time memories, feelings, emotions, and consciousness, or any other mental activity in a permanent database, based on a financing plan, aided by a collection of personal physical artifacts and personal biological data and materials in permanent physical storage, to share personal and communal information and physical collection with others, to build virtual and permanent personal and collective identities, and to prepare for the possible and probable human immortality where evocation of personal and communal consciousness and information is required when technology avails itself to make our consciousness alive again, either in biological form, in electronic form, in electro-biological form, or in any other possible form, so that our individual consciousnesses will live on both as separate entities and possibly form a unity with one another, in a state of community or singularity, thus achieving immortality.2011-06-09
20110137783ENHANCED SYSTEM AND METHOD FOR MANAGING FINANCIAL MARKET INFORMATION - A system and method are provided for managing financial market information. According to certain embodiments, the system includes a computer having a memory, processor, and display. The processor is capable of generating a graphical depiction of the financial market information on the display. The graphical depiction includes a multidimensional representation of a broad range of market information for at least two financial instruments. The graphical depiction resides in a single window on the display. The financial instruments may include multiple different classes of financial instruments, such as treasuries and futures. Different instruments may be selected and information, including basis information, relevant to the selected instruments may be displayed in a second window.2011-06-09
20110137784Medical Options Financial Product - One embodiment of a financial product comprising an expiring contract that guarantees the right to receive a cash settlement 2011-06-09
20110137785MULTICOMPUTER DISTRIBUTED PROCESSING OF TRADING INFORMATION - A trading platform and trading method that may allow access to additional pools of liquidity is described. Other embodiments are also described.2011-06-09
20110137786MULTICOMPUTER DISTRIBUTED PROCESSING TECHNIQUES TO PREVENT INFORMATION LEAKAGE - A trading platform and trading method that may allow access to additional pools of liquidity is described. Other embodiments are also described.2011-06-09
20110137787TRADING SYSTEM AND METHOD - The present invention provides an on-line trading system and method for ordering and executing trades in financial markets, such as foreign exchange markets. The system and method permit account holders to automatically trade in one or more markets based on recommendations provided by signal providers, without the need for the account holders to make decisions about each trade to be made. A database of account holder preferences and trading parameters is maintained and consulted upon receipt of advice for a trade, and trades are executed if and when a selected signal provider provides suitable advice.2011-06-09
20110137788SYSTEMS AND METHODS FOR EVALUATING THE ABILITY OF BORROWERS TO REPAY LOANS - Systems and methods are provided for evaluating the ability of a borrower to repay a potential or existing loan. The systems and methods can use daily cash flows of the borrower obtained from one or more transaction accounts of the borrower. The cash flows can correspond to a period preceding the time of the analysis, and can include the most recent cash flow information in the transaction account. The cash flows can be adjusted to account for seasonal and day to day variations in the cash flows. The adjusted or non-adjusted cash flows can be trended, and projections of the cash flows can be generated based on the trends. The projected cash flows can be evaluated to provide an indication of whether the cash flow of the borrower is and will remain sufficient to facilitate repayment of the loan.2011-06-09
20110137789Trust Based Transaction System - A configuration for more efficient electronic financial transactions is disclosed. Users input personal and financial information into a system that validates the information to generate trusted financial profiles. Each user can establish trusted financial links with other users. The trusted financial link provides a mechanism for the user to allow other users to withdraw money from the link provider account. The data from these relationships and the financial data flowing through the system enable a measure of trustworthiness of users and the trustworthiness of all interactions in the system. The combination of trusted financial profiles, trusted financial links, and financial transactions between users create a measurable financial trust graph which is a true representation of the trusting economic relationships among the users. The financial trust graph enables a more accurate assessment of the creditworthiness and financial risk of transactions by users with little or no credit or transaction history.2011-06-09
20110137790MAINFRAME-BASED FAR-DISTANCE BICENTRIC TRANSACTION INFORMATION PROCESSING METHOD AND SYSTEM - A mainframe-based far-distance bicentric transaction information processing system, providing a processing operation solution. The method includes: receiving upload transaction information containing transaction type data; searching transaction information requiring an amount of shared resource less than a preset threshold when being processed, according to the transaction type data; and transmitting the transaction information requiring the amount of shared resource less than the preset threshold when being processed, to a backup processing center to be processed, when CPU utilization rates exceeds a preset safety threshold. The system includes a main processing center and a backup processing center. The transaction information processing method and system implement the mainframe parallel sysplex far-distance bicentric transaction processing including the main processing center and the backup processing center, which expands the physical distance between the two centers, improves the processing capability and reliability of the transaction system, and sufficiently utilizes the resources of the backup processing center.2011-06-09
20110137791SYSTEM, METHOD AND APPARATUS FOR PROVIDING A UNIVERSAL FINANCIAL TRANSACTION GATEWAY FOR COMPUTING DEVICES - A universal financial transaction gateway for mobile computing devices is provided. The universal financial transaction gateway can comprise at least one core mobile network interface for connecting to a mobile electronic device via a core mobile network. The at least one interface is configured to emulate an interface inherent to the core mobile network. The gateway also comprises a transaction engine connected to the interface and configured to receive transaction instructions from the mobile electronic device via the core mobile network interface. The gateway also comprises a plurality of financial server interfaces for connecting to a plurality of accounts associated with a plurality of financial servers. The plurality of financial server interfaces is configured to emulate an interface inherent to each of the financial servers. The transaction engine is configured to effect the transaction instructions on the financial servers via the financial server interfaces.2011-06-09
20110137792SYSTEM AND METHOD FOR DYNAMIC PATH- AND STATE-DEPENDENT STOCHASTIC CONTROL ALLOCATION - The invention includes a system and process that employs contractual bargaining with agent-based computational methods for the dynamic allocation, optimization, and pricing of contingent rights and obligations between multiple counterparties with overlapping interests. The processes employ a dynamic and endogenous hierarchy or tiering of binding incentive compatible contingent strategies, which may include optimal liquidation policies for matched assets and liabilities based upon stochastic volume/price schedule related to statistically non-stationary supply/demand elasticities and order-flow, as well as variations in market microstructure. The invention includes a dynamic open system with distributed stochastic control of strategic interactions among dynamic optimizing agents across random states, wherein the actions of any one affects the joint costs and benefits for all the agents.2011-06-09
20110137793Gift Card Activation Methods and Gift Card Products - A method of activating a gift card at a retail entity is provided. The method includes performing a first transaction based on first data obtained from a closed, empty product; retrieving the gift card from a secure location in the retail entity; reading second data from the gift card through a reader; and transmitting the second data and a value to be assigned to the gift card to a financial database platform. The financial database platform assigns the value to an account resident on the financial database platform associated to the gift card so that the gift card is activated.2011-06-09
20110137794METHOD OF SAVING FOR A TIME DELAYED PURCHASE - A method of saving for a time delayed purchase includes establishing a savings account through a website provided by a third party service provider. The savings account establishes the savings goal, the time frame, the recommended contribution, and the savings category and/or category of retailer(s). Once established, a customer designates the account as public or private. For a private account, funds are transferred from the customer's financial institution based upon approved parameters. For a public account, a notification is sent to potential third party contributors who make a gift to the public account that is held by the service provider. The customer is given the option of accepting the gift, whereby funds are transferred from the service provider to the public account.2011-06-09
20110137795AUTOMATED TELLER MACHINE SYSTEM - Exemplary embodiments are directed to processing Automated Teller Machine (ATM) transactions. A transaction request can be received from an ATM. The transaction request can include account information read from a transaction card and a transaction request. The account information corresponds to a first account. The transaction request is incapable of being processed using the first account for which the transaction card was issued. A second account belonging to the account holder of the first account can be identified and can be a different type of account than the first account. The transaction request is capable of being processed using the second account. The transaction request can be processed using the second account to perform the ATM transaction requested.2011-06-09
20110137796PAYMENT MESSAGE ROUTING USING GEO-LOCATION - Methods and system for enabling safe and efficient money transfer between a sender and a beneficiary are provided. The method includes communicating with a beneficiary's mobile device to ascertain the beneficiary's current geo-location. Based on the geo-location and funds at hand, one or more receiving agents are selected to fulfill the transfer. The beneficiary is offered a choice of agents and the selected agent is provided with the money transfer details to complete the transfer.2011-06-09
20110137797Server Device for Controlling a Transaction, First Entity and Second Entity - Server device for performing a transaction in a system having a first entity, such as a POS, a second entity, such as a user having a mobile phone with a digital camera, and a remote server. The first entity generates a code having a transaction information and sends a first message to a server. The second entity, such as a buyer of a product or a user of a service captures the code and transmits a second message to the server having information on the transaction extracted from the code. The transaction is only authorized, when the server has determined that the first message and the second message match with each other. The transaction can be a payment transfer, a grant of an access to a service or a grant of an access to an internet portal.2011-06-09
20110137798SYSTEM AND METHOD FOR SELECTION OF PAYMENT SYSTEMS FROM A PAYMENT SYSTEM DIRECTORY TO PROCESS A TRANSACTION - Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.2011-06-09
20110137799CARD INCLUDING ACCOUNT NUMBER WITH VALUE AMOUNT - Embodiments of the invention disclosed herein provide a method of participating in prepaid programs through retail systems without the need to first upgrade their POS capabilities to participate, and allow for a merchant (retailer) to participate in proof of concept programs to determine if prepaid is a viable solution for their retail business model.2011-06-09
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