24th week of 2012 patent applcation highlights part 62 |
Patent application number | Title | Published |
20120150654 | Method And Apparatus For Interactive Media Control - A method and apparatus for controlling an interactive billboard. A billboard controller builds a UAP dataset, using the UAP dataset for audience estimation, and causing selected content to be displayed on one or more billboards based on the estimate. The UAP dataset preferably contain scored or ranked user association sets that associate users with content and other characteristics of detected interactions with the billboard. | 2012-06-14 |
20120150655 | INTRA-EBOOK LOCATION DETECTION TECHNIQUES - Techniques are provided in which usage information is obtained, regarding reading-related usage of an ebook by a reader. The usage information can include, for example, reading rate information, page-flip information, zooming information, highlighting information, read-along information, or read out-loud information. Based at least in part on the usage information, a determination or approximation is made regarding a portion of the ebook being read by the reader, such as a chapter, page, paragraph or sentence. Based at least in part on the portion, the reader is targeted with an advertisement to be presented at least in part via the ebook. | 2012-06-14 |
20120150656 | Integration of Reserved and Dynamic Advertisement Allocations - Systems, methods, and computer media for integrating requests for reserved allocations of advertisement impressions and requests for dynamic allocations of advertisement impressions are provided. A request is received from a first advertiser to purchase a reserved allocation of advertisement impressions. The request specifies a requested number of impressions that each have one or more requested attributes. One or more bids to dynamically purchase one or more impressions through a real-time bidding process are received from an external bidding agent. An internal bidding agent bids, on behalf of the first advertiser, to dynamically purchase one or more impressions through the real-time bidding process until the request from the first advertiser to purchase the reserved allocation of impressions is satisfied. | 2012-06-14 |
20120150657 | Enabling Advertisers to Bid on Abstract Objects - Computer-readable media, computer systems, and computing methods are provided for employing abstract objects to solicit bids from advertisers and to present ads submitted by the advertisers upon a user invoking the abstract objects while conducting an online search. The abstract objects include entities, entity classes, actions, and tasks, which are mined by crawling storage locations on the Internet. These abstract objects are monetized by building an index with entries referencing the abstract objects and maintaining the index in a location accessible to advertisers. Via the index, the advertisers target the abstract objects and place bids thereon. During a user-initiated online search, the abstract objects that are relevant to a task being carried out by the user are identified. Further, ads submitted by advertisers that placed bids upon the identified abstract objects are selected for presentation. Based on the bids, the winning advertiser's ad is presented to the user. | 2012-06-14 |
20120150658 | Systems, Methods and Apparatus for Valuation and Tailoring of Advertising - A system and method classifies advertising based on referencable attributes. An individual advertisement is classified by predefined referencable attributes. The advertisement and the predefined referencable attributes are linked using alphanumeric or digital codes. The advertisement and the linked codes are stored such that the advertisement and linked codes are accessible by a user. | 2012-06-14 |
20120150659 | Personalized Interactive Network with Multiple Channels Coupled to Integrated Knowledge Management system - Systems and methods are disclosed for personalizing interaction between an information/service/product provider using a knowledge management (KM) system that tracks data exchanged between users and the provider over multiple communication channels. User requests to an information/service/product provider can made via multiple different channels, such as by using ATMs, PDAs, cell phones, computers accessing web sites or other Web Devices, Voice Response Units (VRUs), and others. User requests submitted over these multiple channels are routed into an integrated KM system that services these requests and selects personalized offers and/or personalized content and/or personalized format presentation to be provided to the users | 2012-06-14 |
20120150660 | Apparatus, System and Method for a Vibrant Flash Widget - The present invention is and includes a device, system and method for providing an image enhancement widget for serving ads and endorsements to certain media content. The device, system and method include a javascript component that, upon execution, obtains at least one subject of primary content on a networked page, and at least one permission for enhancement of the primary content, ones of a plurality of content produced remotely from the javascript component and according to the javascript component, and an enhancement widget. The enhancement widget may be a flash widget. | 2012-06-14 |
20120150661 | System and Method to Enable any Internet-Compatible Advertisement to be Fully Shareable to a Wide Variety of Social Media Networks and Platforms - A system and method for creating shareable Internet-based advertisements includes an administration console receiving data related to an Internet-based advertisement, and configuring an overlay to provide on top of the Internet-based advertisement. A database operatively connected to the administration console stores data and code related to the overlay and the Internet-based advertisement. A share tag is applied to the Internet-based advertisement. Upon activation of the share tag, a share tag server retrieves the stored data and code and displays the overlay on the Internet-based advertisement as an expanded share tag. Upon activation of a share feature on the expanded share tag, the share tag server provides, to a desired social media network server, the stored data needed to display the Internet-based advertisement on the user's social media network page. The Internet-based advertisement is displayed on the user's social media network page, and may be further shared by others. | 2012-06-14 |
20120150662 | Centralized Deployment of Advertising Code - Described are computer-based methods and apparatuses, including computer program products, for centralized deployment of advertising code. Advertising code is stored for use by a web page, the advertising code comprising at least one of vendor advertising code or vendor reporting code. An application programming interface is provided for the web page to access the advertising code, the application programming interface allowing the advertising code to be updated such that updated advertising code is automatically provided to the web page without changing source code that the web page uses to accesses the advertising code. A request for advertising code is received from the web page using the application programming interface. The advertising code is determined to be a most recently updated version of advertising code stored by the computing device. A response to the request can be generated using the advertising code. The response can be transmitted to the web page. | 2012-06-14 |
20120150663 | Apparatus, System and Method for Selecting Media Enhancement - The present invention is and includes a device, system and method for providing an image enhancement widget. The device, system and method include a javascript component that, upon execution, obtains at least one subject of primary content on a networked page, and at least one permission for enhancement of the primary content, ones of a plurality of content produced remotely from the javascript component and according to the javascript component, and an enhancement widget. The enhancement widget may be a flash widget. | 2012-06-14 |
20120150664 | Method and apparatus for conducting an information brokering service - A system and method is provided that provides an early indication of consensus of opinion among a number of users regarding an event or observation indicated by a user. Such an opinion may be interesting to an information consumer, who may be interested in determining the outcome of the consensus relating to the event or observation, or may otherwise desire to perform surveillance or survey of a particular issue or subject. Such recognition of early events or observations may be useful in different areas, such as healthcare, finance, etc., where initial observations, if provided early, allow resulting decisions to be made much earlier. The opinion may, for instance, be used as an early indicator of problem with a product, company, etc. that would permit an information consumer to perform an action at a much earlier point than if he/she relied on traditional sources of information. Thus, such opinion information may be invaluable as a tool for monitoring events. | 2012-06-14 |
20120150665 | APPARATUS, SYSTEM AND METHOD FOR A MEDIA ENHANCEMENT THAT PROVIDES A SPRINGING BROWSER WINDOW - The present invention is and includes a device, system and method for providing an image enhancement widget. The device, system and method include a javascript component that, upon execution, obtains at least one subject of primary content on a networked page, and at least one permission for enhancement of the primary content, ones of a plurality of content produced remotely from the javascript component and according to the javascript component, and an enhancement widget. The enhancement widget may be a flash widget. | 2012-06-14 |
20120150666 | Methods And Systems For Providing Side-Tab Widgets To Enable Web-Based Advertising And E-Commerce Transactions - Systems and methods for improving online shopping allow customers to directly access a merchant's product offerings (and/or advertisements) from a third party, publisher's web page, without having to “click through” to the merchant's website. The systems and methods include the use of one or more “side-tab widgets”, each of which may be associated with a merchant, that are displayed on a publisher's web site or page. The display creates a presence for the merchant or merchants associated with the widget or widgets on the publisher's web page. Thereafter, if a widget is viewed and selected by a customer by clicking on the widget the selected side-tab widget may slide out and display information specific to the merchant, including goods offered for sale and the means (i.e., shopping cart) to allow the customer to immediately complete a transaction or purchase. | 2012-06-14 |
20120150667 | APPARATUS, SYSTEM, AND METHOD FOR A MICRO COMMERCE AD - A computer program product for a micro commerce ad includes displaying an advertisement in a banner ad. The banner ad includes characteristics conforming to banner ad market standards. The banner ad is configured to display in a banner ad slot of a publisher webpage. The computer program product includes receiving visitor input within the banner ad from a visitor. The computer program product includes performing a transaction within the banner ad to process the visitor input. | 2012-06-14 |
20120150668 | METHODS FOR FACILITATING CREATION AND MANAGEMENT OF ITEM LISTS WITH UNIQUE IDENTIFICATION CODES FOR ITEMS AND ASSOCIATING THE LISTS TO SPONSOR'S PAYMENT FINANCIAL TRANSACTION CARD PROGRAMS - A method is provided for multiple retailers to participate in restricted spend card programs. A retailer infrastructure is provided that includes a point of sale server coupled to a store concentrator and to a product tables/price book(s). An adjudication processor and a catalog management processor are coupled to the adjudication processor. The catalog management processor is used to create one or more catalogs of UPC's for each of a participating retailer. Each catalog includes first and second sets of UPC data. The first set is for national brand products and the second set is for retailer private label products. | 2012-06-14 |
20120150669 | SYSTEM AND METHOD FOR POINT OF SERVICE PAYMENT ACCEPTANCE VIA WIRELESS COMMUNICATION - A system and method for remitting payment from a consumer's credit or stored value account by digital presentations of account information are described. A merchant may create one or more merchant account at a point-of-sale service site (“POS service site”) and associate one or more merchant portable computing devices (“MPCDs”) with one or more of the merchant accounts. Each MPCD may be configured to receive customer data from a customer via one of a visual capture and a wireless communication, such as a near field communication (“NFC”) or a machine-readable optical code. The customer data may be received from an NFC-capable physical token such as an EMV card, or a virtual token presented by a customer portable computing device (“CPCD”) using a NFC or a machine-readable optical code. Each MPCD may contain a point-of-sale payment application supplied by the POS service site that may capture data representative of a consumer account from the received customer data. | 2012-06-14 |
20120150670 | WIRELESS POWER DELIVERY DURING PAYMENT - A system is disclosed for providing wireless power during a payment process. A device requiring power communicates with the power provider and provides payment information for a purchase. The device receives wireless power form the power provider. A consumer may be required to confirm the purchase, the payment information, and receipt of the wireless power. | 2012-06-14 |
20120150671 | System and Method for the Interoperability of Different Payment or Transaction Authorization Platforms - A system, method and intermediary for effecting a payment account transaction at a point of sale on behalf of a registrant while avoiding disclosure of its payment account information at the point of sale. The system comprises a merchant device at the point of sale for generating a partial authorization request, an authorizing instrument for providing authentication information of an authorized representative and the intermediary, located remotely from the point of sale, for receiving the partial request and the authentication. The intermediary retrieves the registrant's payment account information using the authentication, combines it with the partial request to form an authorization request and forwards it along the transaction network for processing. The authentication information may arrive with a subset of transaction information. The authorizing instrument may be located at the point of sale. A requesting instrument may request the authorizing instrument to forward the authentication information. | 2012-06-14 |
20120150672 | METHOD AND APPARATUS FOR PROVIDING AND PROCESSING INSTALLMENT PLANS AT A TERMINAL - According to some embodiments, a central controller receives a selection signal. If the selection signal indicates acceptance of any installment plan, use of the accepted installment plan for the financial account is authorized. Thereafter, bills may be generated that reflect installment charges to be paid. | 2012-06-14 |
20120150673 | SYSTEMS AND METHODS FOR CONDUCTING FINANCIAL TRANSACTIONS USING NON-STANDARD MAGSTRIPE PAYMENT CARDS - Systems and methods for conducting financial transactions using non-standard magstripe payment cards are provided. One such system includes a magnetic stripe card storing information including a serial number on a magnetic medium of the magnetic stripe card, where the stored information does not include a Primary Account Number, a card reader configured to extract information from the magnetic medium, the extracted information including the stored serial number and a magnetic fingerprint including an intrinsic magnetic characteristic of the magnetic medium, and a computer coupled to the card reader and to a server, where the computer and the server are configured to execute a requested financial transaction using the extracted information. | 2012-06-14 |
20120150674 | Alcoholic Beverage Allocation Machine - Various methods and systems such as in a software application are presented which may include automated purchase recommendations based on amalgamated purchase constraints ( | 2012-06-14 |
20120150675 | SYSTEM FOR THE COMMERCIALIZATION OF ELECTRONIC CANDLE ILLUMINATION - A system provides for the commercialization of electronic candles in institutions, such as churches or memorial locations wherein a prescribed payment for a predetermined illumination period is verified or validated and an electronic signal then actuates at least one of the electronic candles. The user selects the desired candle for illumination and touches the selected candle for illumination for the prescribed period. A payment account statement is periodically transmitted to the institution or manufacturer to confirm actual payments with the electronic statement of payments to control pilferage. Lighting data and related income is collected and generated for planning purposes. The system is operable locally or remotely with remote viewing capability. | 2012-06-14 |
20120150676 | ORDER MANAGEMENT SYSTEM WITH AN ORCHESTRATION PLAN - An order management system is provided. The order management system receives one or more order components. The order management system maps each order line of one or more order lines to a fulfillment pattern. The order management system creates a fulfillment flow by combining one or more fulfillment patterns. The order management system generates an orchestration plan by applying one or more dependencies of the fulfillment flow to the one or more order components. The one or more dependencies of the fulfillment flow are translated into one or more order line dependencies between the one or more order lines of the one or more order components. Each order line dependency is at a completion of a fulfillment function of the order line. | 2012-06-14 |
20120150677 | AUTOMATIC RESUPPLY OF CONSUMABLE COMMODITIES - Methods and systems for facilitating initiation of resupply orders for consumable commodities include using a stand-alone electronic or audio-generating device incorporated into retail product packaging. The stand-alone device is equipped with a rudimentary processor or logic circuit, a memory, and a wireless transmitter. A simple user interface/activation device such as a push button or membrane switch is coupled to the logic circuit or processor. The stand-alone device is incorporated into or with product packaging, and may be configured with a resupply code at or after a point of sale. A user may activate the user interface of the device when the product needs resupplying, causing the resupply code to be transmitted to an access point or terminal that initiates a reorder sequence for the product. | 2012-06-14 |
20120150678 | Financial Management System - A financial management system includes a client terminal having a financial management application and a graphical user interface. The graphical user interface is configured to display transaction data, enable user modification of the transaction data, and transmit modified transaction data to the financial management application. The financial management system additionally includes a commercial web server capable of conducting online financial transactions. The financial management application receives transaction data regarding an online financial transaction upon completion of the financial transaction. | 2012-06-14 |
20120150679 | ENERGY MANAGEMENT SYSTEM FOR POWER TRANSMISSION TO AN INTELLIGENT ELECTRICITY GRID FROM A MULTI-RESOURCE RENEWABLE ENERGY INSTALLATION - A renewable energy resource management system manages a delivery of a power requirement from a multi-resource offshore renewable energy installation to an intelligent power distribution network. The installation includes multiple renewable energy resource components and is capable of variably and independently generating power from each to microgrids comprising the intelligent power distribution network so that the entire power requirement is satisfied from renewable energy resources. An electricity grid infrastructure is also disclosed in which power production is balanced with power consumption so that power storage requirements are minimized. | 2012-06-14 |
20120150680 | Automated Publishing Systems and Methods - Provided is an automated publishing system that can include a database indexed to store contribution data that includes portions of works of authorship, a user authentication system configured to authenticate a member to the system, and a virtual work area having a graphic user interface accessible by the member. The interface can include content searching and content collating features such that a member can generate a custom work by selecting a plurality of different portions of works of authorship which are combined to generate the custom publication. The interface in addition contains an option for a member to add content at the end of each chapter, when such member is authorized by the publisher. The custom publication can be sent to the publisher for approval and is made available only after the publisher grants approval. | 2012-06-14 |
20120150681 | SYSTEM AND METHOD FOR FACILITATING THE PURCHASE OF PRODUCTS DETERMINED TO BE USEFUL IN THE PERFORMANCE OF A TASK - A retailer computer system facilitates the purchase of products that are determined to be useful in the performance of a task by presenting to a consumer a first user interface by which the consumer may select a task from a repository of tasks, each task stored in the repository of tasks having documented instructions, such as a recipe, for performing the task, by presenting in a web page the documented instructions of the selected task, by using one or more keywords within the documented instructions of the selected task to select at least one product from an electronic product catalog, the selected at least one product being one or more of a part, such as a recipe ingredient, and a tool, such as an appliance, usable in performing the task, and by presenting to the consumer a second user interface for allowing the consumer to purchase via use of an online retail channel the selected at least one product. | 2012-06-14 |
20120150682 | METHOD AND SYSTEM FOR EVALUATING PRODUCT SUBSTITUTIONS ALONG MULTIPLE CRITERIA IN RESPONSE TO A SALES OPPORTUNITY - A system and method evaluate product substitutions along multiple criteria in response to a sales opportunity, for instance, providing sales recommendations of configurable products in response to a customer request based on propensity functions. A customer propensity is determined to estimate attractiveness of a substitute product to a customer based on one or more attributes. A seller propensity is determined to estimate attractiveness to a seller of selling the substitute product based on one or more attributes. The customer propensity and the seller propensity are combined to find a plurality of substitute products. | 2012-06-14 |
20120150683 | AUTOMATIC SELECTION AT A SELF-SERVICE DISPENSING DEVICE - A method is provided to auto select items when purchasing or leasing items at a self-service dispensing device. A user submits preferences that indicate items that the user wishes to purchase or lease. These preferences may be stored locally at a self-service dispensing device or at a central database accessible by any self-service dispensing device by a network connection. When a user arrives at a self-service dispensing device, he identifies himself to the device. This may be by any sort of method, including by swiping a credit or debit card. Once the user is identified, the self-service dispensing device selects the top ranked selections of available inventory based upon the preferences of the user. The user may select the any of the selections offered by the self-service dispensing device. If the user selects any of the options, the self-service dispensing device dispenses the items selected and the transaction is completed. | 2012-06-14 |
20120150684 | MULTIPLE PARTY ON-LINE TRANSACTIONS - A role associated with one or more parties involved with a purchase transaction is received. A routing rule associated with the purchase transaction is also received, the routing rule defining how the purchase transaction is routed among the one or more parties. The purchase transaction is processed based on the role of each party and the routing rule. | 2012-06-14 |
20120150685 | MONETIZING PRODUCT FEATURES AS PART OF ENFORCING LICENSE TERMS - Control access features include the use of a number of validation rules and capabilities of a target as part of proving license control and revenue generating functionalities, but the embodiments are not so limited. An exemplary role-based computing architecture includes the use of feature to command mappings and one or more validation rules to determine if a target of a command has a proper set of capabilities as part of allowing the command to execute. A computing method of one embodiment operates to provide a validation mechanism that performs a validation evaluation as part of a scope check to ensure that a target command is within the command issuer's scope along with a validation rule check for a particular service feature. | 2012-06-14 |
20120150686 | SYSTEMS AND METHODS FOR INTEGRATION OF TRAVEL AND RELATED SERVICES AND OPERATIONS - One aspect of the invention is directed to integrating mobile devices, such as smartphones, tablets, etc., into a mobile retail environment commercial system. A mobile device includes a mobile store module that provides an interactive user experience that allows a traveler to browse goods or services that are available in the mobile retail environment. The device further includes a mobile store inventory records module that maintains records of goods and services that are available in each particular mobile retail environment. An update module facilitates data connectivity with a remote server to update the stored data in the mobile store inventory records module. The remote server, in turn, is communicatively coupled with a transportation service provider system, such as an airline business system that provides information on individual travelers and their itineraries. The mobile device further includes an in-flight data exchange module that facilitates interaction with a point-of-sale device. | 2012-06-14 |
20120150687 | SYSTEMS AND METHODS FOR CONDUCTING CONTACTLESS PAYMENTS USING A MOBILE DEVICE AND A MAGSTRIPE PAYMENT CARD - Systems and methods for conducting contactless payments using a mobile device and a magstripe payment card are provided. One such method includes receiving, at the mobile device and prior to a requested financial transaction, a dynamic authentication token from a server, the dynamic authentication token indicative of a predetermined authentication of a magstripe payment card based on data obtained during a swipe of the magstripe payment card; wirelessly transmitting, in response to a request to facilitate a financial transaction, the dynamic authentication token from the mobile device to a contactless payment terminal; and sending the dynamic authentication token and information related to the requested financial transaction to the server for authorization of the requested financial transaction. | 2012-06-14 |
20120150688 | PAYMENT SERVICE TO EFFICIENTLY ENABLE ELECTRONIC PAYMENT - A method comprising communicating a web page, over a network, to a merchant server associated with a merchant. The web page includes a plurality of input mechanisms for receiving a plurality of reference return network addresses. The method further comprises receiving a first reference return network address, over a network, from the merchant, the first reference return network address being received at the payment service server, the first reference return network address identifying an interface that is hosted by a first merchant web site that is operated by the merchant and being utilized as a first landing page to which the consumer user is redirected to by the payment server to execute a transaction between the consumer user and the merchant. Finally, the method comprises storing the first reference return network address at the payment service server in user profile information that is associated with the merchant. | 2012-06-14 |
20120150689 | Marketplace Payments - Described herein is a virtual marketplace via which buyers and sellers can conclude transactions for the sale of goods and services. To facilitate payments for goods and services, and to encourage use of the marketplace, the system facilitates the establishment of interest bearing accounts, via which a buyer can fund transactions, | 2012-06-14 |
20120150690 | SYSTEM AND METHOD FOR ENABLING A FUNDRAISING AND CONTRIBUTIONS PROGRAM USING FUNDRAISING CARDS REDEEMABLE FOR BRANDED STORED-VALUE CARDS - Disclosed is a system and method for enabling a fundraising program using fundraising cards redeemable by not-for-profit (“NPO”) supporters for branded stored-value cards. The system includes a scrip company host system having a server, where the server includes a microcontroller. A remote user device, having a display, is operatively coupled to the scrip company host system and configured to enable access to the scrip company web site. The microcontroller is adapted to detect access to the scrip company web site by a NPO, and cause the plurality of fundraising cards to be distributed to the NPO in response to detecting an order for the plurality of fundraising cards by the NPO. The fundraising cards are distributed to the NPO prior to receiving payment from the NPO for the fundraising cards, thereby making it unnecessary for the NPO to carry a paid-for inventory of fundraising cards. | 2012-06-14 |
20120150691 | Marketing Goods and Services with Bar Codes - Disclosed herein are techniques to market products and services by enabling a potential consumer to access information about a product or service by simply scanning a bar code. Consistent with some embodiments, a computer system stores in a database data records that include bar code information. The computer system is operable to receive requests for information that include bar code information. Upon receiving such a request, the computer system identifies a data record in the database with bar code information that matches the bar code information received in the request, and then processes the request by communicating relevant information to the requestor. | 2012-06-14 |
20120150692 | ORDER MANAGEMENT SYSTEM WITH DECOUPLING OF FULFILLMENT FLOW FROM FULFILLMENT TOPOLOGY - An order management system is provided. The order management system creates the fulfillment flow, where the fulfillment flow does not include any fulfillment topology information. The order management system partitions an order into one or more order components using a decomposition sequence, where the decomposition sequence include one or more routing rules, where each routing rule includes fulfillment topology information, and wherein each routing rule determines a target fulfillment provider. The order management system generates an orchestration plan for the order by applying one or more dependencies of the fulfillment flow and the one or more routing rules to the one or more order components, wherein the orchestration plan includes the fulfillment topology information. | 2012-06-14 |
20120150693 | ORDER MANAGEMENT SYSTEM WITH TECHNICAL DECOUPLING - An order management system is provided. The order management system receives a provisioning order, where the provisioning order includes at least one order line, and where the at least one order line of the provisioning order references a product specification. The order management system transforms the provisioning order into a service order, where the service order includes at least one order line, and where at least one order line of the service order references a customer-facing service specification. The order management system transforms the service order into a technical order, where the technical order includes at least one order line, and where at least one order line of the service order references one of: a resource-facing service specification; or a resource. Thus, the order management system can define a customer-facing service that is not coupled to a technical implementation, nor coupled to a product offering. | 2012-06-14 |
20120150694 | SYSTEMS THAT ALLOW MULTIPLE RETAILERS THE ABILITY TO PARTICIPATE IN RESTRICTED SPEND CARD PROGRAMS WITHOUT MANAGING MULTIPLE CATALOGS OF ELIGIBLE ITEMS ASSOCIATED WITH MULTIPLE CARD PROGRAMS - A system is provided for multiple retailers to participate in restricted spend financial transaction card programs. A retailer infrastructure includes a point of sale server coupled to a store concentrator and to a product tables/price book(s). An adjudication processor is coupled to the retailer infrastructure and includes: a switch, a market basket analysis server that validates items in a market basket and a process control server. The market basket analysis server is coupled to product catalogs and validates eligible items in the market basket. Content attributes in the market basket are communicated between the market basket analysis server and the switch. A catalog management server is coupled to the adjudication processor. The switch, market basket analysis server, catalog management server and the process control server are configured to provide adjudication. | 2012-06-14 |
20120150695 | Apparatuses, Methods and Systems for an Online Rewards Incentive Program - Software on a server receives a game action message associated with one of a plurality of online games being played by a user. The software generates an asset message based at least in part on the game action message. The software determines user feed preferences based on a social filter graph. The social filter graph depends at least in part on a metagame account associated with the user. And the software transmits the asset message to social network identifiers according to the user feed preferences. | 2012-06-14 |
20120150696 | PROVIDING AN IMAGE OF AN ITEM TO ADVERTISE THE ITEM - A seller device executing a seller module captures an image of an item available for purchase and uploads the image to a host machine. The host machine receives the image of the item and provides the image and a seller address to a buyer device. The buyer device executing a buyer module presents the image and the seller address to a user. The seller address is usable to initiate a communication with the seller of the item. The host machine may provide the seller module to the seller device, and the host machine may provide the buyer module to the buyer device. The host machine may also communicate the image to an advertisement server configured to publish the image as a listing of the item. | 2012-06-14 |
20120150697 | METHODS THAT ALLOW MULTIPLE RETAILERS THE ABILITY TO PARTICIPATE IN RESTRICTED SPEND CARD PROGRAMS WITHOUT MANAGING MULTIPLE CATALOGS OF ELIGIBLE ITEMS ASSOCIATED WITH MULTIPLE CARD PROGRAMS - A method is provided for multiple retailers to participate in restricted spend financial transaction card programs. A restricted spend financial transaction card system is provided that includes an adjudication processor system coupled to a retailer infrastructure. The adjudication processor system includes a switch, a market basket analysis server and a process control server. The market basket analysis server is used to validate items in a market basket. Content attributes of the market basket are communicated from the market basket analysis server to the switch. The switch, market basket analysis server, a catalog management server and the process control server are used for adjudication. | 2012-06-14 |
20120150698 | MEDIA CONTENT CLIP IDENTIFICATION AND COMBINATION ARCHITECTURE - Methods, systems, and devices are described for associating comments with playback of media content. A user at an input device may select a first point and a second point during a first media content to define a first media content clip. A first comment received at the input device may be associated with the first media content clip. The user may also select a third point and a fourth point during a second media content to define a second media content clip. A second comment received at the input device may be associated with the second media content clip. The input device may associate the first media content clip with the second media content clip based on a playback sequence received from the user. | 2012-06-14 |
20120150699 | INVENTORY VERIFICATION USING INVENTORY SNAPSHOTS - Various embodiments of systems and methods for inventory verification using inventory snapshots are described herein. In response to a first inventory posting in a current time period, a current open inventory snapshot is created with inventory information. If there is a previously open inventory snapshot that is created in a previous time period before the current period, then the previously open inventory snapshot is closed. To verify inventory for a past time period, a difference between an inventory snapshot that is valid for the past time period and an inventory snapshot that is valid for a time period previous to the past time period is compared with aggregated inventory change confirmations posted in the past time period. An error indicator is provided if there is a mismatch between the difference and the aggregated inventory change confirmations. | 2012-06-14 |
20120150700 | METHOD AND SYSTEM FOR DISTRIBUTING INVENTORY OF A REPLACED OR DISCONTINUED DISTRIBUTION CENTER PRODUCT - A method and system for distributing inventory of a replaced or discontinued product from a warehouse or distribution center to a plurality of stores. The method optimally distributes the inventory of the replaced or discontinued product from the distribution center, keeping in mind the demand for a replacing product at the stores supported by the distribution center. The described system and method calculates replaced (old) and replacing (new) store product order quantities; rounds the replaced and replacing product order quantities if necessary due to product packaging; and ensures that the aggregate of the replaced product order quantity does not exceed distribution center on-hand inventory for the replaced product. | 2012-06-14 |
20120150701 | Hierarchical Processing of Tolling Options for Telematics Services - The described method and system provide a system and method for efficiently and effectively processing the hierarchical selecting and switching between tolling options associated with a telematics service and tolling a subscriber's account accordingly such that the provision of telematics service to a user of the telematics unit is uninterrupted if possible and the optimal tolling option is utilized. Many different types of telematics services exists, and each telematics service may have a corresponding set of tolling options, including various telematics-based (internal) and network-based (external) tolling options, prepaid and postpaid tolling options, as well as other types of tolling options. The disclosed invention allows the telematics service system to select an optimal tolling option and switch between tolling options without interrupting the provision of service based on a hierarchy of tolling options corresponding to the telematics service requested by the user. | 2012-06-14 |
20120150702 | METHOD AND SYSTEM FOR PREPARATION OF ACCOUNTING DATA - In the preparation of accounting data for transactions involving money on at least one money transfer system, in particular on an automated teller machine, data is exchanged using the so-called SWIFT code, for example. The management system normally produces the accounting data in a standard form for all transaction following a format such as this. For flexible preparation of accounting data for different financial institutes, it is now proposed that the system comprise a conversion device (PTSIA) which is connected to the management system (CCMS) in order to prepare the accounting data in different ways for different financial institutes (B1, B2, . . . ) through the conversion device (PTSIA) for the respective financial institute (B1) converting the first accounting data items (D-IN) into second accounting data items as a function of presets (TMPL), wherein the presets (TMPL) indicate at least one format (DTA) desired by the financial institute (B1) for the second accounting data items (D-OUT). | 2012-06-14 |
20120150703 | User as part of supply chain - A method for determining an ecological impact score may include, but is not limited to: determining an ecological-impact score for acquiring a product, the ecological-impact score generated from at least information that quantifies ecological impact caused by at least a portion of a supply chain used to transport the product; and sending the ecological-impact score to a computing device. | 2012-06-14 |
20120150704 | Voice Assisted Vehicle Recording Device For Recording, Tracking and Reporting Vehicle Business Expenses - A method of recording for future reference the use of a vehicle which is not normally used for a business purpose is being used for a business purpose and is an allowable IRS expense for that business purpose wherein, subsequent to initiating the process by pressing a button on the steering wheel or on the dashboard and prior to moving the vehicle, a recording is made of the odometer reading on the vehicle, the date of the trip and the purpose of the trip. At the completion of the trip a recording is made of the odometer reading on the vehicle to obtain the true total distance traveled and the allowable tax deductable expense for the use of the vehicle during the business purpose is recorded where the allowable tax deductable expense is based on miles traveled and other related allowable expenses incurred. | 2012-06-14 |
20120150705 | VIRTUAL ELECTRONIC PAYMASTER METHOD AND SYSTEM - A virtual electronic paymaster system and method for processing a paycheck utilizing a multi-function device. A virtual paymaster application can be configured in association with an EIP (Extensible Interface Platform) enabled multi-function device in order to render the paycheck with respect to an employee. An identification card having a bar code can be placed on a platen of the multi-function device in order to obtain authentication data with respect to the employee upon providing a PIN number via a user interface. The authentication data can be further provided to a remote application server via a network in order to retrieve the payment information with respect to the employee from a payroll database. The paycheck can be locally rendered based on the rendering instructions from the remote application server thereby enhancing the payroll processing within a business environment. | 2012-06-14 |
20120150706 | SINGLE WINDOW BILLING SYSTEM - Embodiments of a computing based single window billing management system are disclosed. The billing management system is accessible to a first party providing service and a second party receiving service form the first party. In an embodiment, the system includes a security module configured to provide secure access to the first party and the second party upon authentication of respective identities. The system further includes a billing module configured to generate one or more bills in accordance with a template and send the one or more bills to a unique identification ID of the second party. In addition, the system include a graphical user interface (GUI) configured to present to the first party and/or to the second party, the one or more bills and associated options upon receiving an input from the first party and/or the second party. The system also includes a payment module configured to process payment requests from the second party, corresponding to the one or more bills associated with the second party. | 2012-06-14 |
20120150707 | SYSTEMS AND METHODS FOR PROVIDING ENERGY EFFICIENT BUILDING EQUIPMENT AND SERVICES - A system for providing energy and/or water efficient building improvements to a building owned by a building owner is shown and described. The system includes a computer system configured to generate an invoice for the building owner based on estimated utilities that would have been consumed by the building had the building improvement measures not been installed. The computer system causes payment to an entity financing the building equipment using a portion of the difference between the invoiced estimated baseline utility consumption and the actual utility consumption costs. | 2012-06-14 |
20120150708 | SYSTEM AND METHOD FOR IDENTIFYING SUSPICIOUS FINANCIAL RELATED ACTIVITY - A computer system detects questionable financial transactions. The system includes a data source component configured to access a database of transaction data, and a data storage component configured to store transaction data that is to be reviewed. An account compilation component of the system is configured to compile data sets from the transaction data. Each data set includes pertinent external transactions in the transaction data that are related to a particular individual client during a screening time interval. The account compilation component excludes internal transactions from the data sets. A screening component is configured to compare each data set with at least one screening criterion. A reporting component is configured to report data sets that satisfy the at least one screening criterion. | 2012-06-14 |
20120150709 | CONTROL DEVICE, CHARGE STORAGE SYSTEM, CONTROL METHOD, AND COMPUTER PROGRAM - In an electric power storage system connected to a commercial power system, a controller ( | 2012-06-14 |
20120150710 | METHOD AND SYSTEM FOR FACILITATING ACCESS TO FINANCIAL INFORMATION - The present invention relates to a method | 2012-06-14 |
20120150711 | LINKED SHORT ORDER AND SECURITIES LOAN OR LOCATE - A stock loan system receives a sell short order for a financial instrument such as a stock, and determines whether it can provide a locate for the sell short order. If so, then the stock loan system sends sell short order and the locate to a marketplace for execution. In some cases, the sell short order is required to have a stock loan, not merely a locate, to be eligible for execution, and the stock loan system provides the loan, then sends the sell short order with notice of the loan to a marketplace for execution. In some embodiments, an order execution marketplace receives a sell short order for a financial instrument, and, if it can provide a locate, the marketplace provides the locate and executes the sell short order. In some cases, the sell short order is required to have a stock loan, not merely a locate, to be eligible for execution, and the marketplace obtains a stock loan from a stock loan system then executes the sell short order. | 2012-06-14 |
20120150712 | Model-Based Selection of Trade Execution Strategies - Effective selection of trade execution strategies using a multi-dimensional model is disclosed. A relationship exists between order difficulty and execution strategy. Execution strategy depends on order difficulty, and order difficulty has many dimensions. The multi-dimensional model classifies trade orders according to the dimensions, and then maps these classified trade orders into suitable execution strategies. For each trade order, one or more appropriate strategies are automatically selected and presented to the trader to assist the trader in making an informed and timely decision. | 2012-06-14 |
20120150713 | TRADE IMPLEMENTATION AND ANALYTICS SYSTEM - Systems and methods for normalizing the control parameters associated with trading algorithms, providing analytic data to traders in discrete time intervals to assist in the analysis of trading performance, and providing crossing opportunities to orders that have been committed to a trading algorithm but have not yet been executed, are provided. A dashboard to allow a trading professional more effective use of multiple algorithms can be created. Parameters associated with multiple algorithms can be normalized and tuned rapidly from a single user interface. Trading performance can be reviewed in discrete time intervals and execution venues. Traders can review a performance score for a trading algorithm and select an algorithm based in part on their commission budget. Block trading opportunities can be available with a crossing engine or external ATS. | 2012-06-14 |
20120150714 | System for Trading Illiquid Assets by Liquidity Provisioning and Bid Value Swap (Financial Conductivity). - Systems and methods that use provisions or infusions of liquid assets to facilitate multiparty trades wherein the provisioned liquid assets are sometimes infused into the host illiquid assets to create new semi-liquid or infused assets. | 2012-06-14 |
20120150715 | Cross Margining of Tri-Party Repo Transactions - A computer implemented method for determining a margin requirement for a market participant includes maintaining, by a processor associated with an exchange, an exchange account reflecting an exchange position resulting from a trade executed on the exchange for a product available via the exchange, the exchange account being maintained separately from a custodian bank account associated with a custodian bank, the custodian bank account reflecting a repo position resulting from a repo transaction facilitated by the custodian bank between the market participant and a counterparty to the repo transaction. The method further includes receiving data reflective of the repo position via a communication interface between the exchange account and the custodian bank account, and determining the margin requirement for the market participant based on the received data and the exchange position. | 2012-06-14 |
20120150716 | VIRTUAL TRADING MARKET PROVISION SYSTEM AND METHOD USING SYNTHESIS OF INSTRUMENTS - Disclosed herein is a trading market provision system and method using synthesis of instruments. The trading market provision system includes a synthesis unit for forming a synthetic group composed of individual items, each having a minimum quantity. A synthetic price calculation unit forms a synthetic price for the synthetic group formed by the synthesis unit. A display unit displays the change in the synthetic price calculated by the synthetic price calculation unit. | 2012-06-14 |
20120150717 | SYSTEM, METHOD AND PROGRAM FOR PREVENTING GAMING IN A TRADING SYSTEM - System, method, and program for preventing gaming in a trading system. The systems, methods and programs can receive an order from a trader to trade securities in an alternative trading system, determine if gaming is occurring, set a price collar for the order, and submit the order to the alternative trading system with the price collar. | 2012-06-14 |
20120150718 | Method and System for Displaying a Cursor on a Trading Screen - A method, system, and computer program products are provided for updating the location of a cursor in a display window on a trading screen when certain events occurs. In a preferred embodiment, as market conditions change, the market information may be rearranged on a screen. To reduce the chances of missing a market opportunity by sending orders or managing them, the cursor moves in association with the market information such that the cursor appears fixed to the market information until a user moves the pointer device. | 2012-06-14 |
20120150719 | System, Method, And Program Product For Foreign Currency Travel Account - Systems, program product, and methods for securing or procuring destination currency funds for a traveler to be used for travel in a destination country commencing at a scheduled future travel date, are provided. A system can include a domestic financial institution server including foreign destination currency transaction account program product. The system provides for establishing an interest-bearing foreign destination currency transaction account having a user-selected maturity date coinciding with a preselected travel date, and near, but prior to the preselected travel date, providing to the traveler a travel debit card having access to the balance of foreign destination currency funds including both principal and accrued interest. | 2012-06-14 |
20120150720 | COMPUTERIZED EXTENSION OF CREDIT TO EXISTING DEMAND DEPOSIT ACCOUNTS, PREPAID CARDS AND LINES OF CREDIT BASED ON EXPECTED TAX REFUND PROCEEDS, ASSOCIATED SYSTEMS AND COMPUTER PROGRAM PRODUCTS - Systems, computer program products, and computer-implemented methods apply or otherwise make available new credit or additional credit to demand deposit accounts, prepaid cards, and existing lines of credit of a customer based on expected tax refund amounts. A computerized estimate of the tax refund available from a tax return of the customer is formed. A portion of the computerized estimate of the tax refund which can be made available as the line of credit is then determined. The existing line of credit is then adjusted based on the expected refund determined to be available, which will serve as an additional source of repayment for the line of credit. One or more of several adjustments may then be made to an existing line of credit: the line of credit may be increased; fees reduced; or the terms of payment adjusted. The invention may be implemented as a computerized process, a computer system or a computer program product. | 2012-06-14 |
20120150721 | TOTAL STRUCTURAL RISK MODEL - The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data. | 2012-06-14 |
20120150722 | TOTAL STRUCTURAL RISK MODEL - The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data. | 2012-06-14 |
20120150723 | TOTAL STRUCTURAL RISK MODEL - The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data. | 2012-06-14 |
20120150724 | TOTAL STRUCTURAL RISK MODEL - The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data. | 2012-06-14 |
20120150725 | RISK IDENTIFICATION SYSTEM AND METHODS - The present invention relates to a system and methods by which the risk associated with a new opportunity or new or ongoing relationship may be assessed. An example of such new opportunity or new relationship for which the present invention may be used to assess the risk is that concerning a potential new customer of a financial institution. The risk assessment of the present invention may be used to assess whether a new customer should be taken on as a customer and, if so, to what extent should the possible full range of account benefits be provided to the new customer. Other applications include assessing risk regarding a candidate for employment, assessing casualty loss and/or repayment risk in the insurance industry, and assessing risk in a landlord tenant relationship to determine whether or not to rent to the prospective tenant and if so, the amount of the security deposit. | 2012-06-14 |
20120150726 | PAYMENT SYSTEM USING SPENDING GATES - A method for making a payment includes receiving a plurality of spending gate definitions for a customer account over a network. Each of the plurality of spending gate definitions associates at least one of a plurality of funding sources of the customer account with a purchase amount range. The plurality of spending gate definitions are stored in a database. A payment request for a purchase using the customer account is received over the network. The payment request includes a payment amount. The payment amount is corresponds to a first purchase amount range included in at least one of the spending definitions in the database. A payment is made using the at least one funding source of the customer account that is associated with the first purchase amount range according to the at least one spending definition. | 2012-06-14 |
20120150727 | RFID PAYMENT SYSTEM - A method for making a payment using a RFID system includes associating a first RFID identifier with a payer account in a database. A purchase type and an associated spending gate definition are received for the first RFID identifier over the network. The spending gate definition is associated with at least one of a plurality of funding sources of the payer account. The purchase type and associated spending gate definition are associated with the first RFID identifier in the database. A payment request is received for a purchase using the first RFID identifier over the network. It is determined that that the payment request includes the purchase type in the database. A payment is made using the at least one funding source of the payer account according to the spending gate definition associated with the purchase type. | 2012-06-14 |
20120150728 | SYSTEM AND METHOD FOR SPLITTING A TRANSACTION - Disclosed herein are systems, methods, and non-transitory computer-readable storage media for splitting a transaction among multiple participants. A system configured to practice the method first identifies a group of individuals associated with a shared transaction. Then the system identifies a primary individual from the group of individuals and a non-primary group of individuals from the group of individuals, wherein the primary individual is associated with a primary account that existed prior to the shared transaction, and wherein each individual of the non-primary group of individuals is associated with a respective non-primary account that existed prior to the shared transaction. The system establishes a policy for monitoring the primary account for completion of the shared transaction. Then, upon detection of the completion of the shared transaction, the system determines a transaction amount and applies a respective portion of the transaction amount from each non-primary account to the primary account. | 2012-06-14 |
20120150729 | SYSTEM AND METHOD FOR PROCESSING GROUP GIFT CARDS USING A TEMPORARY, LIMITED SCOPE SOCIAL NETWORKING ENTITY - Disclosed herein are systems, methods, and non-transitory computer-readable storage media for enabling gift card recipients to redeem gift card amounts using existing accounts such as a credit/debit card. A system practicing the method sends to a set of givers a set of respective invitations to contribute to a group gift, wherein the group gift is associated with a policy, a person, and a payment account associated with the person that existed prior to sending the set of respective invitations. The system identifies a contribution to the group gift from one of the set of givers, wherein when the person makes a qualifying transaction using the payment account according to the policy, a gift amount associated with the group gift is applied from various giver accounts. Then the system updates at least one of the set of respective invitations sent to the set of givers based on the contribution. | 2012-06-14 |
20120150730 | SYSTEM AND METHOD FOR PROCESSING GROUP GIFT CARDS - Disclosed herein are systems, methods, and non-transitory computer-readable storage media for managing a group gift using a system in which a recipient (purchaser of the group gift) and givers have registered payment accounts with the system. The system displays, on a graphical user interface, at least the giver and the recipient to yield a proposed transfer configuration at a first time. A gift or a merchant can also be identified in the interface. Upon receiving a confirmation from at least one of the giver and the receiver of the proposed transfer configuration, the system establishes a money transfer policy that indicates that, upon detecting a qualifying purchase made using the recipient payment account, at least a portion of a transfer amount is applied to the recipient payment account from at least one giver account. The system simplifies the process of a group of people joining together to buy a gift. | 2012-06-14 |
20120150731 | SYSTEM AND METHOD FOR PROCESSING GROUP GIFT CARDS - Disclosed herein are systems, methods, and non-transitory computer-readable storage media for managing a group gift using a system in which a recipient (purchaser of the group gift) and givers have registered payment accounts with the system. The system displays, on a graphical user interface, at least the giver and the recipient to yield a proposed transfer configuration at a first time. A gift or a merchant can also be identified in the interface. Upon receiving a confirmation from at least one of the giver and the receiver of the proposed transfer configuration, the system establishes a money transfer policy that indicates that, upon detecting a qualifying purchase made using the recipient payment account, at least a portion of a transfer amount is applied to the recipient payment account from at least one giver account. The system simplifies the process of a group of people joining together to buy a gift. | 2012-06-14 |
20120150732 | SYSTEM AND METHOD FOR PROCESSING GIFT CARDS ACCORDING TO A COMMUNICATION CONTEXT - Disclosed herein are systems, methods, and non-transitory computer-readable storage media for identifying and handling group gifts. A system practicing the method receives a request to establish a policy governing a money transfer from a giver account to a recipient payment account according to a policy established at least in part on a communication context, wherein the policy indicates that, upon detection of a qualifying transaction made with a recipient payment account, a transfer amount is applied to the recipient payment account. The system analyzes the communication context to determine the giver and the recipient and respective payment accounts. Then the system implements the policy governing the money transfer such that, upon detection of the qualifying transaction made with the recipient payment account, at least a portion of the transfer amount is applied to the recipient payment account from the respective payment account for the giver. | 2012-06-14 |
20120150733 | Ecological impact compliance - Systems and methods for providing ecological impact quantification identifiers may implement operations including, but not limited to computing at least one ecological impact quantification associated with at least one life-cycle phase of a product; and means for assigning at least one of a positive ecological impact status, a negative ecological impact status and a neutral ecological impact status with a user account according to the at least one ecological impact quantification. | 2012-06-14 |
20120150734 | VALUE EXCHANGE SYSTEM FOR USE WITHIN AN INTERNET-BASED SOCIAL NETWORK - Certain embodiments contemplate a computer-implemented method of enabling a value exchange between users of a SNS which functions within the confines of the SNS. Certain embodiments comprise an application which creates at least an interface to the value exchange system, a means for registration to enable users to register with the value exchange system, a means for receiving at the value exchange system, a value exchange transaction between a first user and a second user, wherein the users are members of a same internet-based social network and the value exchange system makes use of the internet-based social network account identifiers of the respective users to enable the communication of value exchange transactions between the users. The application may also create a value exchange means for debiting from or crediting to the value exchange system account of first and second users. | 2012-06-14 |
20120150735 | PAYMENT SYSTEM - A payment system transfers funds from a purchaser to a supplier of goods and services. A single use transient credit code provided to the purchaser effects the transfer. The transient credit code is redeemable to a value limited to said transfer of funds thereby preventing subsequent fraudulent use of the code. The payment system apparatus transfers a payment from a purchaser to a supplier of goods and services. The apparatus incorporates a code issue device which keeps track of and generates a list of limited-value, single-use credit codes. The device issues the codes on request, receives notification of use of the codes and marks respective, ones as used. The transfer is done by single-use transient credit codes provided to the purchaser. The codes are redeemable to the value limited to a payment. | 2012-06-14 |
20120150736 | PERSONAL BUDGET TOOL - Systems and methods for generating proposed budget amounts by a budget tool are provided. A budget system identifies a budget category for a user. Information associated with one or more payees of the user and payment history information associated with one or more payments made to a payee included in the one or more payees is obtained from a bill payment system. Based at least in part on the obtained information, the payee is identified by the budget system as a budget payee associated with the budget category. Based at least in part on the identified payment history information, a proposed budget amount for the budget payee is calculated. A presentation is generated that includes an indication of the budget category, an indication of the budget payee, and an indication of the proposed budget amount. The generated presentation is transmitted by the budget system for display to the user. | 2012-06-14 |
20120150737 | PAYMENT TRANSACTION CLIENT, SERVER AND SYSTEM - The invention relates to a system for handling payment transactions, comprising a payment transaction client and a payment transaction server. A customer identifies himself by providing a code to a shop, preferably by a bar code. The shop sends customer identification, shop identification, client identification and the amount to the server. The server looks up further customer information, checks the balance on the account of customer and issues a payment confirmation code to the mobile telephone of the customer if the customer has enough credit on the account. The customer provides the code to the shop or directly to the client, upon which the client sends the payment confirmation code and further information like the information sent previously to the server. If the confirmation code received matches the confirmation code issues early, the server executes the payment or instructs a bank to execute the payment. | 2012-06-14 |
20120150738 | SYSTEMS AND METHODS FOR AUTOMATED PREFUNDING OF COMMERCIAL PAYMENTS - Methods and systems for prefunded accounts are disclosed, which feature controlled credit limits on cards at the time of prefunding validation, creation of files that are electronically passed to a funding source, and implementation of a single use account. Various types of funding mechanisms can be utilized, including, ACH, wire transfer, or traditional check-based systems. According to the invention, an invoice that names a buying organization can be received by an entity offering prefunded account solutions. This can result in payment instructions being generated and funds being transferred from the organization to a funding entity. Once approval of a payment is received, a funded account can be created by transferring funding information by the solutions provider on behalf of the funding entity to a payment facilitator. When the seller generates account charge instructions, funds can be transferred from the payment facilitator to the seller. | 2012-06-14 |
20120150739 | SYSTEM AND METHOD FOR AUTOMATIC PAYMENT OF FINANCIAL OBLIGATIONS - A method for reserving funds to pay an estimated tax or other financial obligation includes receiving by a service provider of financial information from a customer and transferring funds from a customer monetary source to a set-aside account, where the monetary source and/or the set-aside account is a stored value account. In embodiments, the customer can access the set-aside money if needed before it is used to pay the obligation. The set-aside account can be a stored value card provided to the customer and usable in lieu of a bank card. Stored value cards can be visibly distinct according to which of a plurality of obligations they apply. Or the set-aside account can be a stored value account maintained by the service provider as information in a database. Set-aside funds can be transferred automatically and/or electronically, or provided by the customer as cash or cash equivalents. | 2012-06-14 |
20120150740 | SYSTEM AND METHOD FOR PROCESSING GIFT TRANSFERS VIA A SOCIAL NETWORK - Disclosed herein are systems, methods, and non-transitory computer-readable storage media for enabling gift interactions via social media. For example, a user can post to a social networking site in a particular way to establish a gift transfer to a recipient based on a policy, such that when the recipient makes a purchase using their pre-existing payment account, the gift (an amount of money) is transferred or applied to the recipient payment account. A particular structure or feature of a social network post can trigger the creation of the policy, with metadata or information parsed from the social network post providing additional details of the policy. In this way, a user can set up a gift transfer without interacting with a gift portal, application, or website. The recipient does not need to use any special code, separate physical gift cards, or printable coupons to redeem or use the gift. | 2012-06-14 |
20120150741 | MOBILE DEVICE FOR PROVIDING SMART WALLET SERVICE AND LAYER STRUCTURE FOR OPERATING SMART WALLET SERVICE - A smart wallet service module includes: a management unit for installing, activating, and terminating a smart wallet service or receiving and managing a user's setting; a security unit for providing an authentication service through an authenticated certificate or electronic signature; a storage unit for storing data in a database of a mobile device and managing the stored data; and a functional unit connected to a storage medium inside the mobile device and providing a service related to electronic commerce or credit card issuing. | 2012-06-14 |
20120150742 | System and Method for Authenticating Transactions Through a Mobile Device - A user may claim to have not made or allowed a transaction and that the transaction was made in error. Where it appears the user has not authorized the transaction, the funds of the transaction are returned to the user, or are charged back. Systems and methods provide a way to confirm whether or not a transaction was actually authorized by the user, thereby settling a chargeback dispute for a previously executed transaction. The method comprises receiving the dispute regarding the transaction including associated transaction data, and retrieving a digital signature associated with the transaction data, the digital signature computed by signing the transaction data. The digital signature is then verified using a public key, wherein the public key corresponds to a private key stored on a mobile device. It is then determined whether or not the transaction is fraudulent based on a verification result of the digital signature. | 2012-06-14 |
20120150743 | SYSTEM AND METHOD FOR TRANSFERRING REDEMPTION RIGHTS TO GIFT CARDS - Disclosed herein are systems, methods, and non-transitory computer-readable storage media for managing regifting of a group gift wherein a recipient or purchaser of the gift and givers are all registered with the system using their payment accounts in advance and a policy manages money transfers for the gift. The system identifies a recipient and a recipient payment account associated with the policy that provides that upon detecting a qualifying transaction using the recipient payment account, a gift amount is transferred to the recipient payment account. The system receives a request to modify the policy based on identification of a new recipient and identifies an associated new recipient payment account. In response to the request, the system modifies the policy such that at least a portion of the gift amount is transferred to the new recipient account upon detecting the qualifying transaction using the new recipient account. | 2012-06-14 |
20120150744 | Systems and Methods for Secure and Transparent Cardless Transactions - Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Payment information can be sent directly from a consumer to a non-merchant, thereby allowing no new entities to obtain the payment information. Transaction identifiers can be used to facilitate communications among the entities. The payment information can be sent to the non-merchant via a merchant application with a submit payment button directed to the non-merchant so little or no deviations from standard practices are required. | 2012-06-14 |
20120150745 | DOCUMENT IMAGING AND PROCESSING SYSTEM - A document processing system comprising one or more document scanning devices that extract information from document images that uniquely identify a document. The system further comprises a central processor remotely connected to the document scanning devices. The central processor is configured to receive the document images and the extracted information from the document scanning devices and is further configured to execute a correction routine configured to adjust errors in the extracted information from the document image. | 2012-06-14 |
20120150746 | METHODS AND SYSTEMS FOR DIGITAL COUPON REDEMPTION - Methods and systems for redeeming digital coupons within a network-based system are disclosed. For example, a method can include receiving a payment request, accessing a digital coupon, validating the digital coupon, applying the validated digital coupon, and processing payment of a revised payment request. The payment request includes sufficient information for a payment processor to transfer funds between a user and a merchant. Receiving the payment request also includes a reference to a digital coupon associated with an item included in the payment request. The digital coupon is accessed using the reference received from the user within the payment request. Validating the digital coupon creates a validated digital coupon that is applied against the payment request to create a revised payment request. | 2012-06-14 |
20120150747 | MOBILE COMMUNICATION DEVICES - A mobile communication device, the device comprising: a memory; an encryption module for encrypting data using an encryption key; a first communication channel configured to transfer the encryption key from the mobile communication device to a separate terminal; and a second communication channel for transferring payment details stored in the memory from the mobile communication device to the separate terminal, which payment details are encrypted using the encryption key; and wherein the first communication channel is different to the second communication channel. | 2012-06-14 |
20120150748 | SYSTEM AND METHOD FOR AUTHENTICATING TRANSACTIONS THROUGH A MOBILE DEVICE - A user may claim to have not made or allowed a transaction and that the transaction was made in error. Where it appears the user has not authorized the transaction, the funds of the transaction are returned to the user, or are charged back. Systems and methods provide a way to confirm whether or not a transaction was actually authorized by the user, thereby settling a chargeback dispute for a previously executed transaction. The method comprises receiving the dispute regarding the transaction including associated transaction data, and retrieving a digital signature associated with the transaction data, the digital signature computed by signing the transaction data. The digital signature is then verified using a public key, wherein the public key corresponds to a private key stored on a mobile device. It is then determined whether or not the transaction is fraudulent based on a verification result of the digital signature. | 2012-06-14 |
20120150749 | METHOD AND SYSTEM FOR SECURING PIN ENTRY ON A MOBILE PAYMENT DEVICE UTILIZING A LOCKED BUFFER - A mobile communication device | 2012-06-14 |
20120150750 | SYSTEM AND METHOD FOR INITIATING TRANSACTIONS ON A MOBILE DEVICE - Systems and methods are provided for providing a more seamless purchasing experience using a mobile device. The mobile device acquires data, such a barcode image, an image of an object or text, or audio data. A non-limiting example of a barcode is a Quick Response (QR) barcode. The acquired data is then used to obtain a network address of a payment website or webpage, which allows a user to make a purchase for a given product or service. The mobile device then launches the payment website or webpage. A user can enter into the mobile device, through the payment website or webpage, a supplemental ID used for authenticating the transaction. | 2012-06-14 |
20120150751 | Dialog Page Interaction Model - Techniques for a dialog page interaction model are described to implement dialog management for a customer relationship management (CRM) system. A workflow defining a set of actions to complete for a business process record can trigger a dialog that includes pages having a set of interactive activities. In a metadata generation mode, the CRM system can construct the page using state information that is stored as client data in one or more databases. The CRM system can also create a bookmark for the workflow in connection with the page that can be employed to resume the workflow. In a response delivery mode, the CRM system can resume the workflow to the bookmark position. To do so, the CRM system can employ the bookmark and stored state data to set the workflow to conditions and values defined by the bookmark. | 2012-06-14 |
20120150752 | METHOD AND SYSTEM FOR PROVIDING WORKFLOW CONTROL - A method for generating a workflow control process. A workflow template is provided for each action of a plurality of actions. Each action comprises at least a task to be performed by at least a user. The workflow template for each action is then associated with a respective predetermined control process template. A user is assigned to each of the tasks of the workflow templates. An approving user responsible for approving completion of the action in dependence upon the control process template is assigned to the action. Upon receipt of a request indicative of an action to be performed, a workflow for the action and an associated control process are generated in dependence upon the respective workflow template and the associated control process template. The data indicative of the workflow for the action, the associated control process, the users, and the approving user are stored. Each user is notified of the assigned task in dependence upon the workflow and the approving user is notified of the assigned action. | 2012-06-14 |
20120150753 | QUANTITATIVE VALUATION OF REAL ESTATE BASED ON QUALITATIVE ASSESSMENT THEREOF - Quantitative assessment of real estate property is provided, wherein a qualitative assessment of a subject property as compared to a comparison property is obtained from a user. The qualitative assessment includes qualitative comparisons of the subject property to the comparison property across comparison criteria, and a qualitative assessment is determined based on the qualitative assessment, by translating the qualitative comparisons into quantitative comparisons of the subject property to the comparison property, to obtain at least one numerical value, and then determining an overall attractiveness score based on the obtained at least one numerical value. In further aspects, aggregate and predictive quantitative assessments of the subject property, as well as an estimated transaction value of the subject property, can be determined. | 2012-06-14 |