24th week of 2015 patent applcation highlights part 48 |
Patent application number | Title | Published |
20150161651 | SOFTWARE-CONVERSATION-AGENT INTERACTIVE ADVERTISING SYSTEMS AND METHODS - An interactive advertising service may be provided using a software conversation agent configured to promote products and/or services via a trained classifier and a hierarchy of concepts related to the products and/or services. Upon request, an interactive advertisement is provided for display to a remote user via a third-party content page, the advertisement including a first creative asset and a linguistic communication control. A world state is obtained and updated during a conversational interaction with the remote user. When free-form linguistic input is received from the remote user, the input is classified and the world state updated. When the world state matches a product and/or service, the interactive advertisement is updated to display a second creative asset corresponding to the matching product and/or service. | 2015-06-11 |
20150161652 | METHODS AND SYSTEMS FOR DISPLAYING ATTRIBUTION CREDIT DATA BASED ON PARAMETERS - Methods and systems for providing for display attribution data associated with one or more events are disclosed. Processor identifies channels from paths including events corresponding to position data identifying a position along the path at which the event was performed. Processor determines attribution credits assigned to each event included in the paths corresponding to the channel. Processor determines a number of attribution credits assigned to the channel. Processor identifies, from the paths, a plurality of event-position pairs. Each event-position pair corresponds to events that correspond to a respective channel and are performed at a respective position of the plurality of paths corresponding to the event-position pair. Processor determines, for each identified event-position pair, a weighting based on an aggregate of the attribution credits assigned to the events to which the event-position pair corresponds. Processor provides, for display, a visual object including an indicator to display the determined weightings. | 2015-06-11 |
20150161653 | SYSTEM AND METHOD FOR GENERATING AN ADVERTISEMENT EFFECTIVENESS PERFORMANCE SCORE - A system and method for generating an advertisement effectiveness performance score of a multimedia content element displayed in a webpage are provided. The method includes determining an advertisement context of an advertisement; analyzing metadata associated with at least one prior advertisement to determine a prior advertisement success score; determining a multimedia context of the multimedia content element displayed in the webpage; matching the advertisement context to the multimedia context to determine a context matching score; and generating an advertisement effectiveness score at least based on the prior advertisement success score and the context matching score | 2015-06-11 |
20150161654 | Methods and Systems for Creating a Data-Driven Attribution Model for Assigning Attribution Credit to a Plurality of Events - Systems and methods for creating rules for assigning attribution credit across events, includes, identifying, by a processor, conversions at a website. The processor identifies path types associated with the conversions. Each path type identifies events and a index position indicating an event's relative position. The processor identifies a subset of the identified path types to be rewritten according to a path rewriting policy. The processor then rewrites the identified subset of the identified path types as rewritten path types. The processor determines, for each of the rewritten path types and remaining identified path types associated with the identified conversions, attribution credits for each event included in the path type. The processor creates, for each of the rewritten path types and remaining identified path types associated with the identified conversions, a rule for assigning the determined attribution credit to each event of the path type for which the rule is created. | 2015-06-11 |
20150161655 | Methods and Systems for Selecting Content for Display Based on Conversion Probabilities of Paths - Systems and methods for selecting content for display at a device includes, identifying by a processor, a visitor identifier associated with a device on which to display content. The processor can identify a path associated with the visitor identifier. The path corresponding to a sequence of one or more events through which the visitor identifier has visited the website. The processor can identify a conversion probability of the identified path. The conversion probability of the identified path indicates a likelihood that the visitor identifier will convert at the website. The conversion probability of the identified path is a ratio of a number of conversions at the website to a number of visits to the website over a given time period. The processor can select content for display. The content selected based on the identified conversion probability of the identified path. | 2015-06-11 |
20150161656 | SOFTWARE-CONVERSATION-AGENT INTERACTIVE ADVERTISING SYSTEMS AND METHODS - An interactive advertising service may be provided using a software conversation agent configured to promote products and/or services via a trained classifier and a hierarchy of concepts related to the products and/or services. Upon request, an interactive advertisement is provided for display to a remote user via a third-party content page, the advertisement including a first creative asset and a linguistic communication control. A world state is obtained and updated during a conversational interaction with the remote user. When free-form linguistic input is received from the remote user, the input is classified and the world state updated. When the world state matches a product and/or service, the interactive advertisement is updated to display a second creative asset corresponding to the matching product and/or service. | 2015-06-11 |
20150161657 | Methods and Systems for Measuring Conversion Probabilities of Paths for an Attribution Model - Systems and methods for measuring conversion probabilities of a path types for an attribution model includes, identifying by a processor, paths taken by visitors to visit a website. The paths correspond to a sequence of events that cause a visitor to visit the website. The processor can identify as paths, for each path, subpaths corresponding to each visit to the website. The processor computes a total path count for each path type. The processor identifies, for each path type, a conversion path count indicating a number of paths taken by visitors that resulted in a conversion at the website. The processor calculates, for each path type, a probability of conversion and then provides the calculated probability of conversion for a given path type for an attribution model used in assigning attribution credit to events of a path. | 2015-06-11 |
20150161658 | METHODS AND SYSTEMS FOR CREATING A DATA-DRIVEN ATTRIBUTION MODEL FOR ASSIGNING ATTRIBUTION CREDIT TO A PLURALITY OF EVENTS - Systems and methods for creating a data-driven attribution model are described. A processor identifies visits to a website. The processor identifies a path for each visitor identifier associated with the visits. The processor determines, for each path type associated with the identified paths, a path-type conversion probability based on a number of visits corresponding to the path type that resulted in a conversion. The processor calculates, for each of a plurality of the path types, a counterfactual gain for each event based on a conversion probability of the given path type and a conversion probability of a path type that does not include the event for which the counterfactual gain is calculated. The processor determines, for each event, an attribution credit based on the calculated counterfactual gain of the event. The processor then stores the attribution credits of each of the events. | 2015-06-11 |
20150161659 | SYSTEMS AND METHODS FOR ASSESSING THE CROSS-CHANNEL VALUE OF MEDIA ADVERTISING - Systems and methods for assessing the cross-channel value of advertising. One computer-implemented method includes receiving, at a processor, a number of impressions for a particular advertisement for a specified time period. A next step includes selecting an entry point for a business event related to the particular advertisement, and receiving business value information from the entry point for the specified time period. A relationship between the particular advertisement and the entry point for the business event is analyzed based on the number of impressions for the particular advertisement and the business value from the entry point for the specified time period. | 2015-06-11 |
20150161660 | ADVERTISING CANNIBALIZATION MANAGEMENT - A system and method for advertising cannibalization management are provided. In example embodiments, historical data comprising advertisement revenue, advertisement parameters, and a cannibalization metric are accessed. The cannibalization metric is indicative of sales loss associated with an advertisement presentation. A value for at least one of the advertisement parameters that, when used, causes a desired advertisement revenue with respect to a bounded cannibalization metric is determined by analyzing the historical data. An advertisement is presented, in real time, on a user interface of a client device using the determined value. | 2015-06-11 |
20150161661 | PRESERVATION OF SCORES OF THE QUALITY OF TRAFFIC TO NETWORK SITES ACROSS CLIENTS AND OVER TIME - A software and/or hardware facility for scoring the quality of traffic to a site accessible via the Internet or other network. The facility may generate training set data and use the training set data to identify parameters indicative of fraudulent traffic to a site and reduce the effect of fraudulent traffic advertisers and publishers. The facility may score the quality of traffic and determine combinations of parameters that are indicative of the quality of traffic to the site. Traffic to the site may be scored based on the combination of parameters associated with the one or more sessions. Lower scores are indicative of traffic having little value to a publisher, advertiser, or third party; higher scores are indicative of traffic having greater value. | 2015-06-11 |
20150161662 | System and Method for Directing Online Advertising Across Multiple Channels - In the present approach, a master computing system directs slave computing systems in the purchasing of advertising within one or more online advertising channels by building a set of models for predicting the outcome of advertising purchases based on data received from the advertising channels, evaluating those models to determine which one(s) to use, allocating an advertiser's budget across the slave systems and channels for a given time period, and adjusting those allocations during the time period based on performance results received from the slave systems. In turn, the slave systems attempt to purchase advertisements within their channels based on their allocation and adjustments and report performance results back to the master system. | 2015-06-11 |
20150161663 | Milestone Driven Data Feed Systems and Methods for Live Events - Exemplary embodiments of the present disclosure relate to a live event (data feed) interaction environment including one or more systems that are programmed and/or configured to facilitate the formation of, distribution of, rendering of, and/or interaction with a data feed for a scheduled live event that includes a schedule of one or more intra-event activities, coupons, and/or any other suitable information, including, for example, social media network feeds. The environment can include a back end feed generation system can be implemented that allows an organizer to specify a schedule of live events and to construct data feeds for the scheduled live events that can be transmitted to user of the environment before, during, and/or after the live event. The environment can include a front end data feed interaction system can be implemented that allows user to view and interact with the data feeds transmitted by the back end system to, for example, participate in the intra-event activities, accumulate and/or redeem coupons, and/or communicate with other users and/or the organizer via one or more social media networks. | 2015-06-11 |
20150161664 | METHOD AND SYSTEM FOR COLLECTING DATA ON BUSINESSES VIA MOBILE AND GEOLOCATION COMMUNICATIONS - A method for reporting data concerning a business, comprising: providing, on a device, a map of the geographic location of the business, wherein the business is represented by a marker on the map; selecting the marker to display the name of the business; receiving an instruction to open a toolbar to provide options for inputting information concerning the business; providing information concerning the business to the device via at least one of the options; and transmitting the information to a central database by using the device. | 2015-06-11 |
20150161665 | SYSTEM AND METHOD OF PREDICTING A LOCATION OF A CONSUMER WITHIN A RETAIL ESTABLISHMENT - The disclosure relates to systems and methods of predicting one or more locations to which a consumer will travel within a retail establishment during a current shopping trip based on prior shopping histories, current in-store behavior, and demographic information. The system may make the predictions based on a model of a population of consumers to determine correlations between prior shopping histories and demographic information and locations visited during previous shopping trips. A particular consumer's shopping histories, current in-store behavior, and demographics may be used to identify an appropriate model for the consumer. The system may use the model to make the predictions and provide information such as incentives based on the predictions. | 2015-06-11 |
20150161666 | OPERATION METHOD OF PORTABLE ELECTRONIC APPARATUS - An operation method of a portable electronic apparatus includes the following steps. At least one advertisement data is downloaded into a memory of the portable electronic apparatus according to a predetermined rule. An input signal is received to wake up the portable electronic apparatus. At least one advertisement data is accessed from the memory and displayed on the display device of the portable electronic apparatus. | 2015-06-11 |
20150161667 | PRESENTING OFFERS TO NAVIGATIONALLY PROXIMATE USERS - A method, system or computer usable program product for presenting offers to navigationally proximate users based on a scheduled delivery time to a first user including receiving a first user delivery address for the first user for an ordered item scheduled to be delivered at a first delivery time; utilizing a processor to determine a set of offers to a set of users who are navigationally proximate to the first user delivery address; and presenting a first offer to one of the set of navigationally proximate users based on the first user delivery address and the first delivery time, wherein the first offer is valid for a first time window calculated so that if accepted the first offer can be prepared and delivered while allowing the ordered item to be delivered within a second time window of the scheduled first delivery time. | 2015-06-11 |
20150161668 | TRANSMEDIA STORY MANAGEMENT SYSTEMS AND METHODS - Transmedia scheduling systems and methods are described in which a user interface is generated via a channel engine that includes first and second channels. The channels are based on one or more channel templates stored in a channel database, and are preferably populated with concurrent transmedia stories. Each of the transmedia stories can be based on at least one transmedia object stored in a transmedia database and may be dynamically generated. | 2015-06-11 |
20150161669 | CONTEXT-AWARE SOCIAL ADVERTISING LEVERAGING WEARABLE DEVICES - OUTWARD-FACING DISPLAYS - Embodiments for providing context-aware social advertising on wearable devices are generally described herein. In some embodiments, a display is provided for presenting content including advertisements. A processor is arranged to determine when an exposure of a display of a wearable device of a first person is acceptable for presentation of an advertisement. A sensor is arranged to obtain information for determining an advertisement to present on the display of the wearable device. The processor is further arranged to select the advertisement to present on the display of the wearable device based on the sensed information and presenting the selected advertisement on the display of the wearable device. | 2015-06-11 |
20150161670 | SYSTEM AND METHOD FOR ESTIMATING AND CLUSTERING MULTIPLE-DIMENSION CHARACTERISTICS FOR AUCTION-BASED MESSAGE DELIVERY - One embodiment of the present invention provides a system for characteristics-based message delivery. During operation, the system receives activity data associated with a user, and infers a characteristic profile associated with the user based on the received activity data. The system further receives a plurality of messages, estimates the user's preference for the messages based on the inferred characteristic profile and content of the messages, selects a message from the plurality of messages based on the user's preference and a pre-determined bidding price associated with the message and the characteristic profile, and delivers the selected message to the user. | 2015-06-11 |
20150161671 | SYSTEM FOR HARNESSING USER BEHAVIOR ASSOCIATED WITH A SERVER-BASED RESOURCE - A system and method are disclosed for harnessing user behavior. In an example, the system may include means for receiving event data messages from client devices, wherein an application is associated with an advertiser having a product catalog of products available for purchase; means for extracting a product identifier, wherein each of the product identifiers is associated with a product; means for searching a database using the product identifiers to determine whether an existing product profile has been created; means for generating and populating a new product profile with information derived from a corresponding event data message, for each of the product identifiers for which no existing product profile has been created, wherein the database stores the existing and new product profiles as a second product catalog that comprises at least a subset of a product catalog of the advertiser. | 2015-06-11 |
20150161672 | Preventing Display of Age Inappropriate Advertising - Advertisements are screened for age-appropriateness prior to inclusion and display within an application. An advertisement that is available for display within an application is analyzed to determine if either the advertisement itself or if a landing page for the advertisement contains content that is inappropriate for a target age of users such as children. Inappropriate content may include inappropriate language, inappropriate images, and requests for personal information without parental consent. The analysis may include textual analysis, image fingerprinting, and crowdsource analysis. If the advertisement and the landing page are both appropriate for display to the target age of users, the application displays the advertisement. If the advertisement or the landing page is inappropriate for display, the application does not display the advertisement but instead requests a new advertisement for analysis and potential display. | 2015-06-11 |
20150161673 | SIMPLIFIED CREATION OF ADVERTISEMENTS FOR OBJECTS MAINTAINED BY A SOCIAL NETWORKING SYSTEM - A social networking system generates an advertisement, a recommended budget, and recommended targeting criteria for an object maintained by the social networking system for presentation to social networking system users. Information associated with the object by the social networking system is used to generate elements of the advertisement, the recommended budget, and the recommended targeting criteria. Different budgets, each associated with a predicted return on investment, may be determined, allowing an advertiser to select a budget based on the return the advertiser receives from presentation of the advertisement. Additionally, an advertiser may modify the recommended targeting criteria, recommended budget, or elements of the generated advertisement to customize presentation or distribution of the advertisement. | 2015-06-11 |
20150161674 | GENERATION OF FASHION ENSEMBLES BASED ON ANCHOR ARTICLE - Disclosed are methods, apparatuses and computer instructions for generating groups of articles for ensembles based on an anchor article. In one aspect, the method includes adding attributes of the anchor article to a set of selected attributes, defining a sequence of buckets in an order where each of the buckets includes available items in one or more categories based on a category of an anchor article, and generating a current group of articles by performing the following steps until each bucket has been selected: selecting a bucket in the sequence, applying a filter to remove items having attributes incompatible with the set of selected attributes, calculating weights for articles based on one or more rules and the set of selected attributes, selecting an article from the bucket for a group of articles based on its weight, and adding attributes of the selected article to the set of selected attributes. | 2015-06-11 |
20150161675 | Media properties selection method and system based on expected profit from profile-based ad delivery - An automatic system facilitates selection of media properties on which to display an advertisement, responsive to a profile collected on a first media property, where a behavioral-targeting company calculates expected profit for an ad correlated with the profile and arranges for the visitor to be tagged with a tag readable by the selected media property. The profit can be calculated by deducting, from the revenues that are expected to be generated from an ad delivered based on the collected profile, at least the price of ad space at a media property where the BT company might like to deliver ads to the profiled visitor. When the calculated profit is positive (i.e., not a loss), the BT company arranges for the visitor to be tagged with a tag readable by the selected media property through which the BT company expects to profit. | 2015-06-11 |
20150161676 | System and Method for Communicating Information - A system and method for effectively communicating information using at least one mode of communication is described, in which information recipients proximate to a communications device within a pre-determined space and during a pre-determined time period are identified, from whom physiological state information is obtained that, when coupled with other characteristics information, is used to select from a plurality of information elements at least one information element to better target the information elements. The information element is then provided to the communications device so that it may be provided to the information recipients in the pre-determined space in a manner that is sensed by the information recipients. | 2015-06-11 |
20150161677 | SYSTEM AND METHOD FOR SOCIAL DATA MINING THAT LEARNS FROM A DYNAMIC TAXONOMY - A system, method and article of manufacture that selects at least keyword from a taxonomy of a publication system; used the at least one keyword for performing data mining of a social network to detect conversations relating to products; compared elements of the conversations with functions of the publication system; and responsive to comparing, uses the elements of the conversation to change the taxonomy or the offering of products on the publication system. The conversations comprise posts relating to a product, the functions of the publication system comprise searches relating to the product, and changing the taxonomy comprises adding a category to the taxonomy. | 2015-06-11 |
20150161678 | DYNAMIC ORDERING OF ONLINE ADVERTISEMENT SOFTWARE STEPS - At a bid determination platform, an initial sequence having an initial order of software steps for filtering advertisements in response to receiving an advertisement bid request is selected. Until a trigger event occurs, the initial sequence of software steps is implemented in the initial order in response to receiving advertisement bid requests. Implementing the initial sequence comprises automatically tracking a failure (or success) metric and resource requirement metric for each of the software steps. After the trigger event occurs, a first optimum sequence of the software steps is automatically selected in a first optimum order so as to optimize a total resource usage for execution of the software steps. Selecting the first optimum sequence of the software steps in the first optimum order is based on the tracked failure (or success) metric and resource requirement metric for each of the software steps during implementation of the initial sequence. | 2015-06-11 |
20150161679 | Competitive Bidding Scalers For Online Advertising Auctions - Competitive bidding tools, including a competitive bidding scaler tool and a competitive report generator, may be implemented by an advertiser to improve their advertisement's performance in online advertising auctions. The competitive bidding scaler tool increases the bid amount associated with an advertiser's ad request when a competing advertiser submits a rival ad request to the same online advertising auction. The competitive report tool generates a competitive report for an ad request that benchmarks its performance against rival ad requests. The competitive report comprises a summary of wins and losses experienced by the ad request in an online advertising auction as well as an option to implement the competitive bidding scaler tool for the ad request. | 2015-06-11 |
20150161680 | Competitive Benchmark Reporting For Online Advertising Auctions - Competitive bidding tools, including a competitive bidding scaler tool and a competitive report generator, may be implemented by an advertiser to improve their advertisement's performance in online advertising auctions. The competitive bidding scaler tool increases the bid amount associated with an advertiser's ad request when a competing advertiser submits a rival ad request to the same online advertising auction. The competitive report tool generates a competitive report for an ad request that benchmarks its performance against rival ad requests. The competitive report comprises a summary of wins and losses experienced by the ad request in an online advertising auction as well as an option to implement the competitive bidding scaler tool for the ad request. | 2015-06-11 |
20150161681 | FULFILLING A REQUEST BASED ON CATALOG AGGREGATION AND ORCHESTRATED EXECUTION OF AN END-TO-END PROCESS - Catalogs that describe respective offerings for fulfillment by respective applications, are aggregated to form an aggregate catalog. A request relating to at least one of the offerings is received based on content presented from the aggregate catalog. In response to the request, an orchestrated execution of an end-to-end process is performed to fulfill the request relating to the at least one offering, the executing of the end-to-end process comprising calling at least one of the applications. | 2015-06-11 |
20150161682 | VIRTUALIZING BUILDINGS/SITES AND AUGMENTING VIRTUALIZED BUILDINGS/SITES METHODS AND APPARATUSES - Apparatuses, methods and storage medium associated with virtualizing a building or a site are disclosed herein. In embodiments, an apparatus for virtualizing a building or a site may include one or more processors, and a building/site interface engine configured to be operated by the one or more processors. The building/site interface engine may be configured to facilitate a representative of a building or site to logically associate a virtual billboard with the building or site, to enable an appearance of the corresponding building or site in a 3D view map be augmented with the virtual billboard. The virtual billboard may include one or more commercials. The 3D view map may include an image of the building or site. Other embodiments may be described and/or claimed. | 2015-06-11 |
20150161683 | INCENTIVIZING PLAY OF AUDIO/VISUAL MATERIAL - A system and method for incentivizing play of audio and visual material. An application server receives and stores uploaded audio material, visual material, or a combination thereof. A desktop application that is downloaded to a user computing device, handheld device, or a combination thereof, and the desktop application is programmed to allow the user to listen to and view the material uploaded to the application server. The application server is programmed to govern how the material is viewed and how users are paid for viewing and listening to uploaded material. | 2015-06-11 |
20150161684 | Multi-Sourced Charitable Contributions - Methods and apparatuses are described for making a charitable contribution. A server computing device receives a request to initiate a charitable contribution transaction from a mobile device, and the request includes a transaction identifier and a user identifier. The server computing device determines a plurality of characteristics associated with the charitable contribution transaction based upon the transaction identifier, and the plurality of characteristics including a contribution amount. The server computing device identifies a user based upon the user identifier. The server computing device charges a first portion of the contribution amount to a first account associated with the user and a second portion of the contribution amount to a second account associated with the user. The server computing device transmits payment instructions to a computing device associated with a recipient charity, and the payment instructions including the contribution amount. | 2015-06-11 |
20150161685 | GAMING SYSTEM FOR FACILITATING COMPETITION BETWEEN FUNDRAISING CAMPAIGNS - A computer-implemented method for providing a social media-based game for competing fundraising campaigns. More specifically, the method allows a user to round up a purchase to the nearest dollar or other amount and then contribute that change to a pool of donations, and further allows fundraising campaigns to compete for the pool of donations through various competitive, social media-based games. In some embodiments, the present invention may be incorporated directly within a digital wallet on a mobile device. In other embodiments the present invention may be a stand-alone application on a mobile device that interfaces with a digital wallet. | 2015-06-11 |
20150161686 | Managing Reviews - Technology is described for managing reviews of organizations. An example method of the technology may identify reviews of an organization sourced from an open review system, the open review system including reviews of unverified customers. Reviews of the organization may be collected from a closed review system which includes reviews of verified customers. The reviews from the closed review system may be reviews which are submitted by organization customers within a predefined period of time prior to a current time and the number of reviews used in the method may exceed a predetermined amount of reviews. The reviews may be converted from the closed review system into converted reviews formatted for the open review system. | 2015-06-11 |
20150161687 | METHOD AND SYSTEM FOR DETERMINING COST OF MEDICAL PROCEDURES - A method, a system, and a computer program for calculating the price (e.g., the amount of reimbursement that can be expected from a payor and the cost of the out of pocket portion of payment due from the patient) of medical procedures, including, e.g., accurate pre-pricing for medical procedures, based on various factors (e.g., carve-outs, accelerated/upfront payments, pay-for-performance, multiple procedure logic, a patient's specific insurance plan, coinsurance rate, deductible, copay, or the like) in timely and convenient manner. | 2015-06-11 |
20150161688 | SYSTEM AND METHOD FOR GENERATING PRICING INFORMATION - A pricing method and system may be configured for reducing the dimensionality of item preference data to obtain item preferences of items; simulating preferences of users with the item preferences; and simulating user decisions with the simulated user preferences to generate simulated pricing information. | 2015-06-11 |
20150161689 | AUTOMATED REFUND OF ELECTRONIC MISCELLANEOUS DOCUMENT (EMD) - A method, apparatus and program product automatically perform a refund operation for an Electronic Miscellaneous Document (EMD). Both a pricing engine and a Form of Payment (FOP) service may be accessed when performing a refund operation to determine both the amount of the refund and the manner in which the refund should be applied to one or more FOP's, and optionally based upon one or more refund policy rules specified by a travel provider. In addition, a status of an EMD may be accessed and used to automatically determine the refundability of the service or services associated with an EMD. By doing so, the required expertise, training and/or effort of the end user, as well as the likelihood of miscalculations when performing an EMD refund operation often may be reduced. | 2015-06-11 |
20150161690 | AUTOMATED REFUND OF TRAVEL DOCUMENT SUBSEQUENT TO INVOLUNTARY EXCHANGE - A method, apparatus and program product automatically perform a refund operation for an involuntary exchange document. The refund operation utilizes monetary information from an original document from which the involuntary exchange document was generated in determining the refund amount. By doing so, the refund operation may be automated, thereby reducing the required expertise and/or training for an end user such as an agent, and further reducing the amount of time required to complete the refund operation. | 2015-06-11 |
20150161691 | SUBSCRIPTION AUTO REKEY - A method of automatically renewing a software license. The method includes providing a license and a license key having a first predetermined term for an article of software. The software can be configured stop working when a valid license key is not present on a system running the software. The method includes receiving the license key and owner information and installing the software and the license key to a system and thereafter recording the license key in license table which is remote from the system running the software. Thereafter, if the term of the license is about to expire, an e-commerce table is consulted to determine whether an auto-renewal payment has been received, and if so, a renewal license key is downloaded and installed, thereby extending the term of the license and enabling the system to continue to run the software. | 2015-06-11 |
20150161692 | PERFORMINGARTISTSMEET.COM SOCIAL MEDIA WEBSITE FOR CONNECTING ARTISTS, AGENCIES AND FANS - PerformingArtistsMeet.com is a site that has been specially constructed for all types of artists. A site focused on developing and promoting artists by linking them with fans, producers and other artists in one location, streamlined to carter for the artist's individual needs and providing them with tools and challenges that help them excel. The design of the site places artists on an internet World Stage, helping artists familiarize with each other, and above all it brings fans, producers, scouts, agencies, art talent schools, etc., right to the artists. Artists can display their materials in one location, whether they are Models, Comedians, Poets, Musicians, Actresses, Actors, etc. Special tools such as Artists of the Week, and Artists of the Month, places any qualifying artist on everyone's home page, worldwide, throughout that entire week or month. The Book an artist tool provides artists opportunities to perform in places they never imagined. | 2015-06-11 |
20150161693 | METADATA MAP REPOSITORY - Disclosed are various embodiments for a catalog mapping tool application. The application is executable in at least one computing device and comprises logic that identifies a system catalog of an item and a user catalog of the item. The system catalog may include a system acceptable format for a value of an attribute associated with the item, and the user catalog may include a user defined format for the value of the attribute associated with the item. The application further comprises logic that receives a selection of one of a plurality of recommended metadata maps for translation from a client device associated with the seller. In addition, the application comprises logic that facilitates translating the user catalog to the system catalog based at least in part on the one of the plurality of recommended metadata maps. | 2015-06-11 |
20150161694 | Trustee Based Online Community - A system for connecting individuals and business entities as members of an online community enables electronic communications and electronic commerce among the members. The system includes a trust account module and a membership module implemented by respective software. A database connected to the membership module records information regarding members of the online community. A plurality of trust accounts corresponding to members of the online community and implemented by the trust account module is established within the network, and funds within the trust accounts are accessible for disbursement only by a third party trustee. | 2015-06-11 |
20150161695 | SYSTEMS AND METHODS FOR NORMALIZING AND COMPARATIVELY DISPLAYING DISPARATE SERVICE OFFERINGS - Systems and methods for providing instant, real-time quotes for mixed product/service solutions, such as home improvement products, and allowing for equal price comparisons and a sales tool for instant budget selection and viewing. | 2015-06-11 |
20150161696 | TRANSPORTATION SERVICE MATCHING WITH ARRIVAL ESTIMATION ADJUSTED FOR EXTERNAL FACTORS - Matches for load or transportation services with transportation service providers (TSPs) are established, and estimated arrival times are provided. A transportation service request is provided and a received bid is received. An estimate of time of arrival is made based on an estimation of a time for performing a delivery of the load or provide the transportation service, and the time of arrival estimate is adjusted by at least one external factor expected to affect transit time. An anticipated turn-around time for availability of the TSP is made for a subsequent leg or backhaul and the adjusted time of arrival estimate and the anticipated turn-around time are used to estimate a time of availability of the TSP for the subsequent leg or backhaul. An accepted bid for the subsequent leg or backhaul is made based on an estimated time of availability. | 2015-06-11 |
20150161697 | TRANSPORTATION SERVICE MATCHING WITH LOCATION TRACKING AND ARRIVAL ESTIMATION - Matches for transportation services with transportation service providers (TSPs) and providing tracking are combined with an option for location tracking of the load or transportation service. Bids are accepted for transportation services and, on acceptance, a request is made for the TSP or driver “opt-in” to location tracking through a mobile device. The system automatically communicates with the driver to confirm acceptance of mobile telephone tracking (opt-in) and location tracking is initiated. The location is reported according to a threshold, along with updated estimates of pick-up and of completion of delivery. The tracking provides substantially a “24/7” access to the location and updated estimated completion of delivery. Upon completion of delivery, the tracking is terminated (automatic opt-out). | 2015-06-11 |
20150161698 | PREDICTING MULTI-CITY OR DIRECT BACKHAUL - Transportation services are matched with transportation service providers (TSPs) in response to received transportation requests. A description of a load or other transportation service is obtained, a shipping lane is determined and the transportation request is parsed. Respondents, including those accepting queries in a predetermined automated format, are queried. The bids are received and prices, corresponding to the bids, are provided to an entity submitting the transportation request, and the bid is confirmed. If the TSP will accept a further transportation request, an estimated time of availability is determined and the further transportation request is searched. | 2015-06-11 |
20150161699 | APPARATUS AND METHOD FOR PROVIDING AN ONLINE TRADING SERVICE - The embodiment of the present invention relates an apparatus and method for providing an online trading service. The online trading apparatus enables a seller to select buyers suitable to the desired condition and suggests a sales condition to the selected buyers to achieve transaction by grouping purchasing information based on query information of the seller and providing the grouped purchasing information to the seller. | 2015-06-11 |
20150161700 | System and Method for Selling and Customizing Products and Services via a Network of at Least Three Computer Systems - A system and method allows one or more users to purchase an offering of goods or services using at least three computer systems, by one user making a proposal for the two to jointly consume the offering, and the other user accepting the proposal. | 2015-06-11 |
20150161701 | SIZING WEARABLE ITEMS BY DEVICE SCANNING - Disclosed are techniques for sizing wearable items by device scanning. A shopper scans a wearable item with a sensor assembly of a mobile computing device, such as a mobile phone. A wearable-item mapping is generated based on the scan of the wearable item. Similarly, a body part of the shopper is scanned with the sensor assembly to generate a body-part mapping based on the scan of the body part. The wearable-item mapping is then be compared to the body-part mapping, and a fit result determined based on the comparison. The fit result indicates for the shopper whether or not the wearable item is compatible with an associated body part and likely to fit the person. The fit result is presented at the mobile computing device, such as via an audio feedback or a visual feedback. | 2015-06-11 |
20150161702 | METHODS AND SYSTEMS FOR IN SILICO EXPERIMENTAL DESIGN AND FOR PROVIDING A BIOTECHNOLOGY PRODUCT TO A CUSTOMER - Provided herein is a method and computer program product for designing and/or simulating a biotechnology experiment in silico; and for providing and generating revenue from a customized list of one or more biotechnology products and/or services related to the in silico designed or simulated biotechnology experiment or the product of that experiment. In illustrative examples, the products and or services are indirectly related to a biomolecule designed by the in silico designed biotechnology experiment. In addition, provided herein is a method and computer system for generating revenue, that includes providing a customer with a first computer program product for designing or performing a biotechnology experiment in silico; and providing the customer with access to a purchase function for purchasing a second computer program product for designing or performing a biotechnology experiment in silico. Typically, functionality of the first computer product is less then and/or different than the functionality of the second computer product. | 2015-06-11 |
20150161703 | SYSTEM AND METHOD FOR AGGREGATING INFORMATION ASSOCIATING A USER WITH A PRODUCT - A system for scanning products and retrieving information associated therewith is described. The system includes a mobile device provided with a scanner. A user scans a product with the mobile device, and the mobile device transmits the scanned information to a server via a network. The system returns information about the product from the server to the mobile device and presents the users with options to obtain additional information about the product. The system also stores information associating the user with the product and allows the user to post information relating to the product to a social media profile. | 2015-06-11 |
20150161704 | CROWDSOURCING RETAIL PRICE AND LOCATION METHOD AND SYSTEM - A crowdsourcing approach is used to collect from contributors, e.g., a large group of consumers, item pricing offered by the sellers from which the contributors have purchased the items. A contributor may provide item pricing information associated with a given store by uploading a receipt from the store, which receipt identifies the item(s) purchased by the contributor and a price for each item purchased, store information, e.g., store name, location, telephone number, etc. A database or other data store may be used to maintain contributor, store and item information. The stored information may identify which store is/are selling which item(s) and at what price(s). A shopping list may be generated, which includes information identifying one or more items and, for each item, the store at which the item(s) may be purchased at the lowest available price relative to other stores. By analyzing consumers' shopping habits, personalized target of ads and/or promotions can be achieved. | 2015-06-11 |
20150161705 | MERCHANT RECOMMENDATION ENGINE METHOD AND APPARATUS - A system, method, and computer-readable storage medium configured to enable vendor recommendations using payment card transaction information. | 2015-06-11 |
20150161706 | SYSTEMS AND METHODS FOR PROVIDING SHOPPING RECOMMENDATIONS - Systems and methods are disclosed herein for providing shopping recommendations. Amounts and timing of user purchases are recorded and analyzed to determine consumption rates for various products. A list of recommended products is generated for a user including previous purchases. Expected runout dates for products may be determined based on previous purchases and consumption rates. The list of recommended products may be prioritized based on expected runout dates. A listing of products may be presented with one or both of validation and alternative indicators associated with items of the list. A validation indicator indicates that the product satisfies a criteria and an alternative indicator indicates that an alternative product satisfies the criteria better than the product. | 2015-06-11 |
20150161707 | METHOD AND SYSTEM FOR RECOMMENDING A SIZE OF A WEARABLE ITEM - A method and system for recommending a size of a wearable item uses a data set of wearable items, in which the data for each wearable item comprises a size and, for each size, one or more additional parameters related to the fit or feel of the item. A processing device receives a selection of one of the wearable items and a size for the selected wearable item from a user, accesses the data set to analyze the one or more additional parameters for the selected item in the selected size, and prompts the user to provide personalized sizing information. Based upon the personalized sizing information, which can include primary and secondary sizing information, the processing device provides a recommended size in the wearable item for the user. Additionally, the processing device can determine if the wearable item runs true to a standard size and, if not, adjust the recommended size accordingly. | 2015-06-11 |
20150161708 | MINING PRODUCT RECOMMENDATION FROM QUERY REFORMULATIONS - In various example embodiments, systems and methods to mine product recommendations from query reformulation is provided. In example embodiments, a query that corresponds to a particular product is received. Transition data for the particular product is accessed. The transition data includes values indicating a number of search transitions based on a change in queries between the particular product and other products in previous session sets of queries. One or more recommendations based on the transition data is determined and provided to the user. | 2015-06-11 |
20150161709 | POP-UP RECOMMENDATION LISTS - The present disclosure relates to providing sponsor content to an individual, providing a pop-up recommendation list that includes information referring to a plurality of items recommended to the individual, and enabling the individual to purchase at least one of the plurality of items recommended to the individual. | 2015-06-11 |
20150161710 | METHODS AND APPARATUS FOR ASSOCIATING ARCHETYPE MOTIVATORS WITH A PURCHASER DECISION - The present invention provides methods and apparatus for associating a dominant archetype and a non-dominant archetype with a Purchaser and associating a Product with the Purchaser based upon the dominant archetype and non-dominant archetype. The Purchaser may make a decision related to a purchase of the Product or Service. An automated service will provide a description of a Product that will satisfy a Purchaser in the event that the Purchaser acquires the Product or Service. The assistance is based upon archetypal motivators associated with one or both of the Purchaser and the Product or Service. | 2015-06-11 |
20150161711 | SYSTEMS AND METHODS FOR COMPLETION OF ITEM PURCHASES WITHOUT MERCHANT INTERACTION - There is provided systems and method for completion of item purchases without merchant interaction. A payment provider may generate a purchase request for a first user, where the purchase request includes a sale of an item to the first user. The purchase request may be generated by first receiving a purchase of an item from another user, where the other user designates that a purchase request should be transferred to the first user. However, the purchase request may also be generated based on purchasing preferences of the first user, such as a specific item that was previously unavailable at a merchant. Once the purchase request is received by the first user, the first user may select a purchase option, which transmits acceptance to the payment provider. The payment provider may then complete the purchase request with the merchant without the first user interacting with the merchant. | 2015-06-11 |
20150161712 | UNIFYING SHOPPING EXPERIENCE SYSTEM - A shopping system is provided. The shopping system includes a customer interaction device for communication between a customer and the shopping system, the customer interaction device interacting with the shopping system to conduct an activity in a store. The shopping system also includes an interactive service device located in a store, the interactive service device having a receiving member to receive an identification information of the customer, a displaying member and an interacting device to allow the customer to interact with the shopping system to conduct an activity in the store. The shopping system further includes a unifying shopping cart unit configured to integrate order information of the customer and a tracking system to track the activities of the customer. | 2015-06-11 |
20150161713 | PRODUCT ORDER SERVICE SYSTEM IN THE ELECTRONIC COMMERCE USING SMART PHONE AND METHOD THEREOF - Disclosed are a system and method for providing a product order service in an electronic transaction. With the system and method, it is possible to conveniently order an online/offline product through an electronic transaction and also make and distribute a simple app for a small retail shop such as a fried chicken shop, by transmitting purchaser information required for an order to the partner company server in addition to payment-related information about purchase of the specific product or cooperating with a partner-company-related application service. | 2015-06-11 |
20150161714 | SYSTEMS AND METHODS FOR OFFLINE ECOMMERCE PURCHASES USING AN ITEM CATALOG FOR A USER - There is provided systems and method for offline ecommerce purchases using an item catalog for a user. A user may receive a catalog of items from a server, such as a merchant server and/or payment provider server, at a user device while the user device is connected to a network. The catalog of items may be transmitted to the user prior to the user entering an offline mode with the user device, where the user device is no longer connected to the network. While the user device operates in the offline mode, the user may browse the catalog and select items to purchase. On a future connection to the network, the user device may transmit a purchase request for the selected items to the merchant server and/or payment provider server. | 2015-06-11 |
20150161715 | USING INDOOR MAPS TO DIRECT CONSUMERS TO SALE ITEMS, SHOPPING LISTS, OR OTHER SPECIFIC LOCATIONS IN A STORE, RETAIL ESTABLISHMENT, OR OTHER GEOGRAPHIC AREA - Indoor navigation may be utilized in combination with predetermined location goals to guide consumers to places they do or might want to visit in a retail establishment or other space. The user may be provided with assistance in locating items on a predetermined list, such as by checking map information on the user's device and by interacting with one or more location detection devices. Statistics related to the user's shopping experience may also be provided to the user. The user can optionally allow the store to review the list, statistics, or other information so the store can analyze the presentation, how the items were found, and even what the user actually purchased. | 2015-06-11 |
20150161716 | MULTI-USER FOOD AND DRINK ORDERING SYSTEM - An interactive food and/or drink ordering system is provided comprising a computer controlled projector apparatus and a horizontal surface, wherein images from the computer controlled projector apparatus are projected onto some or all of the surface, the images including a menu of food and/or drink selection options, the selection options being selectable by a first user operating an interface device operable to provide input to the computer and also by a second user operating an interface device operable to provide input to the computer, wherein the menu of food and/or drink selection options is projected into a zone on the surface that is shared by the first and second users. | 2015-06-11 |
20150161717 | OBJECT SELECTION AND PRESENTATION OF OBJECT-RELATED DATA IN ONE CONSISTENT PAGE VIEW - A communication terminal ( | 2015-06-11 |
20150161718 | DEVICE AND METHOD FOR IMPLEMENTING A VEHICLE SHARING REWARD PROGRAM - Device and method for implementing a vehicle sharing reward program. The present invention provides for a cost-sharing plan where two or more constituencies share the rental cost associated with a user who rents a shared vehicle in a vehicle sharing program. This results in a reimbursement of the rental cost to the user. When enrolling in the vehicle sharing reward program, the user is given a health prescription to adhere to on any trip taken while using a shared vehicle. On a selected travel route, the user visits a vehicle sharing station, where the sharing station includes a kiosk that the user uses to check-in and upload relevant information such as distance traveled and locations visited. By complying with the health prescription issued to the user, the user can have its total rental cost reimbursed. | 2015-06-11 |
20150161719 | PRIVATE RESIDENCE AND RESIDENTIAL ROOM RENTAL SYSTEM AND METHOD BETWEEN A HOST AND A RENTER - Disclosed are a method, a device and a system of private residence and residential room rental between a host and a renter. In one embodiment, a method of a short-term listing server comprises verifying that an address is associated with a residential-property rentable by a host, permitting the host to list at least one room in the residential-property on an online rental listing system, booking the at least one room in the residential-property of the online rental listing system based on a request of a renter, processing a payment of the renter for the at least one room in the residential-property, permitting the host and the renter to rate and review each other through the online rental listing system, and creating a group associated with hosts and renters sharing common interests and previous stays in the at least one room in the residential-property. | 2015-06-11 |
20150161720 | SYSTEM AND METHOD FOR TRANSMISSION OF FULL MOTION DUPLEX VIDEO IN AN AUCTION - A system for conducting an auction, comprising sending audio/video data recorded at a first location over telephone lines and receiving a reproduction of said audio/video data at a second location, converting said audio/video data at said first location into a stream of packets to be sent over said telephone lines, converting said stream of packets at said second location into said reproduction of said audio/video data to be presented at said second location, and bypassing a telephone company voice switch at a telephone company central office, thereby allowing said stream of packets to pass directly between at least one local telephone line and at least one long distance network. | 2015-06-11 |
20150161721 | METHOD AND SYSTEM FOR VENTURE CAPITAL RAISING FOR STARTUP VIA AWARD AND REALITY TV SHOW - Provided are computer implemented methods and systems for venture capital raising for startup via award and reality TV show. An exemplary method comprises receiving information associated with startup projects. The information is provided to audience for online fund raising via an online resource. The information includes a target amount for online fund raising. One or more contributions associated with the startup projects are received from the audience. Based on the contributions, eligible startup projects are determined. The eligible startup projects are advertised on a television show on a country level. Assessment of the eligible startup projects is received from venture capitalists and private investors. Based on the assessment, country winning startup projects are selected. The country winning startup projects are advertised and assessed on an international television show on an international level. Based on international assessment, a world winning startup project is selected and awarded a prize amount. | 2015-06-11 |
20150161722 | DYNAMIC LOOK-UP TABLE FOR CHANGE ORDER LIMITS ON CUSTOMER ACCOUNTS - A dynamic look-up table for change order limits on customer accounts, which may be actualized as a database, is provided. The database may include a first set of data relating to a client's current change order limits. The database may include a second set of data relating to the client's historical change order limit variance, said historical change order limit variance comprising information relating to a plurality of historical change order limit adjustments over a pre-determined period of time. The database may include a third set of data relating to the client's requested change order limit. The database may be further configured to: flag the change order request as a grantable change order request if the requested change order limit is within a threshold value of an average historical change order limit adjustment, said average historical change order limit adjustment being based on the plurality of historical change order limit adjustments; and flag the requested change order request as a non-grantable change order request, when the requested change order limit is not within the threshold value of the average historical change order adjustment | 2015-06-11 |
20150161723 | METHOD FOR BUSINESS ON-LINE ACCOUNT OPENING - A system and method for a business customer interfacing with a financial institution through a computer network is presented. The method includes a determination of whether the customer is an on-line client of the financial institution, a verification of customer-provided information with a pre-existing client identification profile for the customer, a determination of whether the customer is a sole proprietorship, a determination of the customer's credit score using a set of predetermined criteria, and presenting a set of account options based at least in part on the verification of the customer-provided information and the customer's credit score. Additional customer-provided information may be received and verified and used to enroll the client in one or more programs offered by the financial institution at a predefined level based at least on one or more predetermined factors. | 2015-06-11 |
20150161724 | PREPAID LOAD WITH ACCOUNT LINKING - Embodiments of the present invention relate to linking a prepaid account with a payment account used to fund the prepaid account. In some embodiments, during payment for a prepaid device, an authorization request message may include a prepaid account identifier associated with the prepaid account. In some embodiments, an activation request message may include a payment account identifier associated with the payment account. A server at the payment processing network may store an association between the prepaid account identifier and the payment account identifier in an account link database. In some embodiments of the invention, if the payment account is canceled, the payment processing network may use the account link database to cancel any associated prepaid devices, and may transfer funds associated with corresponding prepaid accounts to an issuer associated with the payment account. | 2015-06-11 |
20150161725 | MOVING A FINANCIAL ACCOUNT FROM ONE ENTERPRISE TO ANOTHER - According to some embodiments, a system includes an interface and one or more processors. The interface receives a request from a user to move a first account associated with a first enterprise to a second enterprise where the user has at least one account. The processor(s) determine first configuration settings associated with the first account. The processor(s) receive a modification request to modify or delete one or more of the first configuration settings and select second configuration settings associated with the second account based on the first configuration settings and the modification request. The processor(s) create a second account at the second enterprise and apply the second configuration settings to the second account. | 2015-06-11 |
20150161726 | SYSTEM AND METHOD OF EXPEDITED CREDIT AND LOAN PROCESSING - A system and method of expedited credit approval and lending for an applicant initially pre-qualifies the applicant using an input device to obtain predetermined applicant identification information and transmits the applicant identification information to the credit and loan processor computer which verifies the applicant identification without pulling credit. If verified, applicant answers predetermined prescreen question to initially pre-qualify the applicant and the applicant's answer is compared to a predetermined lender/dealer criteria for the prescreen question to determine whether to continue with the loan application if the applicant's answer meets the predetermined lender/dealer criteria or end the loan application if the predetermined lender/dealer criteria is not met, before pulling credit. The source or transaction originator is notified of the decision. The credit and loan processor software program continues to pre-qualify the applicant using stated debt to income ratio for a selected loan type and if pre-qualified, then processes full credit. | 2015-06-11 |
20150161727 | EXCHANGE FEED FOR TRADE REPORTING HAVING REDUCED REDUNDANCY - The disclosed embodiments relate to communication of financial messages from an Exchange to market participants whereby messages, or at least a portion of the content thereof, indicative of changes in the market, due to one or more trades between two or more market participants, are structured so as to reduce redundant data therein and prioritize the transmission of that portion of the message which summarizes the event and result thereof. Further, these event reporting messages may further consolidate, or otherwise be combined with, the corresponding directed reporting messages communicated to the particular market participants participating in the reported trade while preserving the anonymity of those market participants to which messages are particularly directed. | 2015-06-11 |
20150161728 | SYSTEM FOR DETERMINING HS COMMODITY CLASSIFICATION CODE - The present invention relates to a HS commodity classification code determination system including: an interface processing unit for providing a selective interface for inputting commodity information and providing an interface selected by a user, a database for storing information on a HS commodity classification code corresponding to the commodity information, and a HS commodity classification code determination unit for determining a HS commodity classification code corresponding to the commodity information by searching the database based on the commodity information input from the user through the interface. | 2015-06-11 |
20150161729 | SYSTEM AND METHOD FOR PHYSICALS COMMODITY TRADING - A method and system for an electronic commodities trading marketplace along with ancillary tools provide an electronic trading center for world market commodity importers, exporters, and the intermediaries and processors between them. This trading center is offered through its website centered around a 24-hour exchange that provides trading markets for commodities such as coffee, sugar, cocoa and cotton. The scalable system provides aggregated third party services linked to both front and back office operations. These services can include items such as live futures quotes and real-time news, futures brokerage, banking and finance links and resources, and a suite of applications tailored to members' specific risk-management and end-to-end contract execution needs. The system also provides access to shipping related services such as freight brokerage, direct booking for liner transport, load and discharge supervision and laboratory testing. | 2015-06-11 |
20150161730 | SYSTEM AND METHOD FOR CONDUCTING WEB-BASED FINANCIAL TRANSACTIONS IN CAPITAL MARKETS - The present invention provides a system and method that enables users, such as institutional investors and financial institutions, to interactively engage in capital market transactions, including the trading of Over-the-Counter financial products, via the Internet (including the World Wide Web). The system includes a variety of servers, applications, and interfaces that enable users to interactively communicate and trade financial instruments among one another. Interactive communications supported by the system include: requesting price quotes, monitoring and reviewing quote requests, issuing price quotes, monitoring and reviewing price quotes, negotiation between users, acceptance of price quotes, reporting, portfolio management, analysis of financial information and market data, and communications among users via an automated processor. Such automated communications enable connectivity with users' internal, back-end systems to execute automated, straight-through processing, including transaction pricing, payment scheduling and journaling, derivatives trading, trade confirmation, and trade settlement. | 2015-06-11 |
20150161731 | Valuation of Derivative Products - Disclosed are a method, apparatus, and computer-readable medium for determining the value of a derivative product over nonconsecutive periods. The derivative product may be an interest rate swap product, which, when exchanged traded, normally is valued on a mark-to-market basis over consecutive periods. The product may be valued using swap value factors and settlement values according to the methodology disclosed herein. | 2015-06-11 |
20150161732 | SYSTEM AND METHOD FOR PROVIDING AN ANALYSIS OF THE RELATIVE VOLATILITY OF ASSET CLASSES - The disclosed technology relates generally to a method and system for evaluating asset classes and investment categories. Financial advisors, for example, may use the disclosed technology to talk to investors about diversification. The disclosed technology allows users to explore and visualize the concept of diversification. The disclosed technology may also be used to help explain and reinforce the importance of diversification by highlighting the relative volatility of the asset classes. The disclosed technology, in certain embodiments, lets users explore performance of asset classes in several investment categories (e.g., equity, fixed-income, and alternatives) and shows how a diversified portfolio would have performed over the same time period. | 2015-06-11 |
20150161733 | Life Cycle Based Portfolio Construction Platform Apparatuses, Methods and Systems - The Life Cycle Based Portfolio Construction Platform Apparatuses, Methods and Systems (“LPC”) transforms LPC Server data request (e.g., see | 2015-06-11 |
20150161734 | INTERACTIVE METHODS AND SYSTEMS FOR CONTROL OF INVESTMENT DATA INCLUDING DEMOGRAPHIC RETURNS - A computer-implemented method, system, and apparatus for managing investment savings of individuals through an investment vehicle suitable for retirement, estate or general investment planning. The invention establishes the mechanics of the operations to create an open-end investment fund as a means for individual participants to earn both market returns on their investments and demographic returns (DR) on the actual demographic experience of the pool of investors who participate in the investment fund. Individuals can invest in the fund and make additional deposits and withdrawals at any time. Investors specify a payout schedule, and those who sell their investments, as scheduled, earn full returns, combining market returns and the DR. Investors who make unscheduled withdrawals from the fund, receive lower returns. The investment fund is customized, and administered by computer software that is available to both participants in the fund and to asset managers who offer the fund to investors. | 2015-06-11 |
20150161735 | INVESTMENT INSTRUMENT - A novel investment instrument, and associated method of using said investment instrument, for investing in assets, holding assets, and exiting the investment through an investment company. Specifically, the investment instrument and method of an embodiment of the present invention comprises the steps of an investor investing funds, or assets in kind, into an investment company, the investor choosing at least an asset for the investment, and offering to the investor the option to take possession of the chosen asset, while title to the asset remains with the investment company, or asset owner, for the duration of the investment period. | 2015-06-11 |
20150161736 | System and Method for Enabling Integrated Channels in an IP Marketplace - A comprehensive platform for merchandising intellectual property (IP) and conducting IP transactions is disclosed. A standardized data collection method enables IP assets to be characterized, rated and valuated in a consistent manner. Project management, workflow and data security functionality enable consistent, efficient and secure interactions between the IP Marketplace participants throughout the IP transaction process. Business rules, workflows, valuation models and rating methods may be user defined or based upon marketplace, industry or technology standards. | 2015-06-11 |
20150161737 | SYSTEM AND METHOD OF SETTLING CLAIMS OF INJURED VICTIMS - The present invention relates to a method of settling insurance claims of injured victims of dangerous objects such as firearms, ballistic weapons or other similar objects, using a system that stores and maintains dangerous object and insurer related information, such as serial number, ballistics/cartridge data, name of the insurer and maintaining confidentiality of ownership details. | 2015-06-11 |
20150161738 | Method of determining a risk score or insurance cost using risk-related decision-making processes and decision outcomes - In one embodiment, a method of generating a risk score, a cost of insurance, or a risk score and a cost of insurance for at least one individual comprises directly monitoring or inferring the risk-related decision-making processes and directly monitoring the resulting decision outcomes for decisions. The method may further comprise correlating risk-related decision-making processes and the decisions with the resulting decision outcomes. In another embodiment, the method further comprises building cognitive maps for one or more individuals, acquiring contextual data related to the decisions, or prospectively determining a probability of outcome for a risk-related situation using the one or more cognitive maps. In one embodiment, the insurance is automobile insurance and data is obtained through telematics and/or a portable device. | 2015-06-11 |
20150161739 | METHODS AND SYSTEMS FOR PROVIDING AND UNDERWRITING LIFE INSURANCE BENEFITS CONVERTIBLE INTO OTHER BENEFITS - Method and system for providing a insurance policy with convertible benefits. The method includes receiving information to determine a first type of benefit which will be provided under a first type of insurance, a second type of benefit to be provided under a second type of insurance policy, and a conversion event. The method further includes computing a premium for an insurance policy which provides the first benefit before the conversion event and the second benefit after the occurrence of the conversion event, and the issuance of an insurance policy based on the computed premium. | 2015-06-11 |
20150161740 | SYSTEMS AND METHODS FOR MANAGING LIFE INSURANCE POLICIES - Systems and methods for managing insurance policies donated or to be donated to charity are provided. A representative system of managing insurance policies comprises a processing device and memory that stores a portfolio manager having instructions that are executed by the processing device. The portfolio manager comprises the following logic: allocating donated life insurance policies to at least one receiving entity; pooling the allocated donated life insurance policies for the at least one receiving entity; determining a distribution percentage of the at least one receiving entity and/or the supported charitable organizations of the receiving entity by comparing the allocated donated life insurance policies with the pooled allocated donated life insurance policies; and distributing proceeds to the at least one receiving entity and/or the supported charitable organizations of the receiving entity from the pooled donated life insurance policies based on the determined distribution percentage of the at least one receiving entity and/or the supported charitable organizations of the receiving entity. | 2015-06-11 |
20150161741 | AUTOMATIC DETERMINATION OF PERIODIC PAYMENTS BASED ON TRANSACTION INFORMATION - According to some embodiments, transaction information associated with payments made via a payment account may be retrieved from a transaction database. The retrieved transaction information may then be analyzed to automatically determine periodic payment information (e.g., associated with a subscription or membership) associated with the payment account. The automatically determined periodic payment information may then be output. For example, a predicted next periodic payment due date might be calculated and output. | 2015-06-11 |
20150161742 | AUTOMATIC DETERMINATION OF VEHICLE INFORMATION BASED ON TRANSACTION INFORMATION - According to some embodiments, transaction information associated with payments made via a payment account (e.g., a credit card account) associated with an account owner may be retrieved from a transaction database. The retrieved transaction information may then be analyzed to automatically determine vehicle information associated with the account owner. For example, estimated driving information or predicted vehicle ownership information might be automatically determined. | 2015-06-11 |
20150161743 | SYSTEM AND METHOD FOR AUTOMATICALLY CLASSIFYING TRANSACTION INFORMATION - According to some embodiments, transaction information associated with payments made via a payment account may be retrieved from a transaction database. A code book may be accessed containing a plurality of payment codes and, for each payment code, logic defining when that payment code is applicable to a payment. The retrieved transaction information may then be analyzed to automatically determine which payment codes are associated with each payment. The automatically determined coded transaction information may then be output. | 2015-06-11 |
20150161744 | Method for Processing Transactional Data, Corresponding Terminal, Server and Computer Program - A system is provided for processing data for surveillance bank cards. The system includes a module for introducing data for surveillance bank cards into a platform for payment by bank card, the module saving bank-card data, inserted into the platform for payment by bank card, to a data base known as a tracking data base. The system also includes a surveillance module for placing under surveillance the activity of the data for surveillance bank cards previously introduced into the platform for payment by bank card, the module saving, to the tracking data base, at least one record of tracking of the use of the bank-card data. | 2015-06-11 |
20150161745 | SALES DATA PROCESSING APPARATUS AND COMPUTER-READABLE STORAGE MEDIUM - A sales data processing apparatus which registers and processes sales data on a transaction-by-transaction basis. The apparatus includes: an imaging module; a moving image storage module; a manipulation situation storage module; and a generation module configured (i) to extract an image that satisfies a prescribed criterion among images which were taken with the manipulation timing indicated by the data stored in the manipulation situation storage module from the moving image stored in the moving image storage module and (ii) to generate user identification image data based on the extracted image. | 2015-06-11 |
20150161746 | METHOD AND APPARATUS FOR CUSTOM-ENGINEERED SOURCING - The present invention relates, according to one aspect, to a method for creating a group comprising at least one of a plurality of first parties and a plurality of second parties, the method comprising the steps of a first party preparing a first data set, a second party preparing a second data set, determining a correspondence indicator indicating a degree of correspondence between the first data set and the second data set, and storing said correspondence indicator and an identifying indicator for at least one of said first party and said second party linked to each other, wherein said first type of data includes objective information, and wherein said second type of data includes subjective information. | 2015-06-11 |
20150161747 | System and Method for Guaranteed Energy Savings for the Customer - A method and system for providing a customer with guaranteed savings on its long-run energy charges as between a Utility and a Competitive Retailer. Preferably the method and system, including one or more computers with microprocessors for executing computer coded instructions, obtains and stores customer attributes, current energy provider, billing cycle and switching time constraints and restrictions and receives forecasted costs and prices of the Utility and the Competitive Retailer for the customer's next billing cycle. The system processes, via the computer, the customer data and the energy data for the Utility and Competitive Retailer to determine the energy provider projected to have the lower price for the next billing cycle of the customer. Preferably, the system requests a switch to the energy provider projected to have the lower price in that customer's next billing cycle, unless the customer is currently receiving service from the projected energy provider. In a preferred embodiment, the system obtains the actual prices of the Utility and the Competitive Retailer for the customer's billing cycle and charges the customer at the lower actual price. | 2015-06-11 |
20150161748 | OPTIMIZED MENU PLANNING - A method for planning preparation of a plurality of dishes according to a plurality of corresponding recipes includes automatically identifying, by a processor, a plurality of candidate sub-recipes, wherein each candidate sub-recipe in the plurality of candidate sub-recipes comprises an intermediate component that is required by at least two of the plurality of corresponding recipes, and automatically selecting, by the processor, at least one candidate sub-recipe in the plurality of candidate sub-recipes for preparation, in accordance with at least one constraint on the preparation of the plurality of dishes. | 2015-06-11 |
20150161749 | NETWORK SYSTEM BASED ON DIGITAL RESOURCES AND APPLICATION METHOD THEREOF - The present disclosure discloses a network system based on digital resources and an application method thereof, and the network system comprises: a storage module, used for storing digital resources; a search module, used for searching in said storage module, according to a search instruction of a first user, digital resources other users have shared; an establishment module, used for establishing, according to an association establishing instruction of the first user, associations between said first user and other users who have purchased, borrowed, and/or collected said digital resources for which said first user has searched; and a borrowing module, used for borrowing, by said first user, use rights of the digital resources from other users with whom said associations have been established. Social networks in which associations among users can be established based on digital resources are realized by the present disclosure. | 2015-06-11 |
20150161750 | SYSTEM, METHODS, AND PROGRAM PRODUCT TO TRACE CONTENT GENEALOGY - Embodiments of systems, program products, and methods to manage content and distribution of media are provided. An embodiment of a system, for example, can include a communication network for transmitting media files, a content management server having a processor and memory coupled to the processor, a database accessible to the processor of the content management server and including media files associated with metadata records, a plurality of content management developer computers to provide content management developers with online access over the communication network to the media files and associated metadata records to thereby edit the metadata records, a plurality of user computers accessible to the communication network to provide the users with access to the media files over the communication network to thereby view and edit at least portions of respective metadata records. The system also includes content management program product stored in the memory of the content management server to manage content and distribution of media. | 2015-06-11 |