29th week of 2014 patent applcation highlights part 49 |
Patent application number | Title | Published |
20140200997 | System and Method for Selecting, Distributing, Redeeming, and Reconciling Digital Offers - A method of generating and executing offers and rewards to cardholders and/or program participants where an Offer Platform receives a request to create an offer to associate a value token with a financial institution, determines a list of available offers for qualifying cardholders, and tracks when offers are received and executed by the cardholders. The Offer Platform may work in conjunction with financial institutions and vendors to provide these services, and the determination of available offers and qualifying cardholders may be made based upon information provided by these entities regarding consumer products and goods/services. | 2014-07-17 |
20140200998 | DYNAMICALLY CREATING A CONTEXT BASED ADVERTISEMENT - A method and a system dynamically generates an advertisement based on one or more tokens distilled from information about a web session that requested a web page. For example, a token is distilled from information about a web session. Data is retrieved from a commerce database based on the token. The retrieved data is assembled into an advertisement, which is then supplied for rendering with the web page. | 2014-07-17 |
20140200999 | GRANULAR DATA FOR BEHAVIORAL TARGETING - A method of targeting receives several granular events and preprocesses the received granular events thereby generating preprocessed data to facilitate construction of a model based on the granular events. The method generates a predictive model by using the preprocessed data. The predictive model is for determining a likelihood of a user action. The method trains the predictive model. A system for targeting includes granular events, a preprocessor for receiving the granular events, a model generator, and a model. The preprocessor has one or more modules for at least one of pruning, aggregation, clustering, and/or filtering. The model generator is for constructing a model based on the granular events, and the model is for determining a likelihood of a user action. The system of some embodiments further includes several users, a selector for selecting a particular set of users from among the several users, a trained model, and a scoring module. | 2014-07-17 |
20140201000 | REAL TIME MECHANISM FOR LOCATION BASED MESSAGING USING WIRELESS NETWORKS - In an example embodiment disclosed herein is an apparatus comprising an interface and mobile billboard logic that is coupled with the interface and operable to communicate with an associated device via the interface. The mobile billboard logic obtains location data for the associated device. The mobile billboard logic determines whether a predetermined trigger condition has been met. The mobile billboard logic selectively sends data representative of an advertisement to the associated device to be displayed on a web page being requested by the associated device based on the location of the associated device and whether the predetermined condition has been met. | 2014-07-17 |
20140201001 | DISTRIBUTION OF PRODUCTS - Among other things, information is maintained that associates competitors with respective territories for which the competitors have rights that are to be exclusive relative to other competitors for items associated with the territories. A user can enter, through a user interface, an expression of interest that can be associated with one of the territories. In response to the expression of interest, a user is automatically enabled to interact with the competitor that has the exclusive right to the territory, without automatically enabling the user to interact with a competitor that does not have the exclusive right. | 2014-07-17 |
20140201002 | SYSTEM AND METHOD FOR ADVERTISING - The present invention is generally directed toward a method for providing an advertisement to user equipment. The method includes providing and transmitting an advertisement message and caller ID data including sender identification information to user equipment having a display. The advertisement message and caller ID data are received by the user equipment and displayed on the display. | 2014-07-17 |
20140201003 | SYSTEM AND METHOD FOR TARGETING DATA PROCESSING SYSTEM(S) WITH DATA - Provided is a system and method for targeting one or more receiving data processing systems with data by aiming a sending data processing system at the receiving data processing system(s) and performing a shoot action. Aiming information is transmitted from the sending data processing system to the receiving data processing system(s) to facilitate determining whether or not the one or more receiving data processing systems was targeted by the sending data processing system, for example, to subsequently pull data, push data, or interact. Aiming information may include location information, directional and posture information, distance information, target size, and/or other shooting data to further qualify the shoot action. Permissions and configurations can govern data pulled or pushed. Wave forms which are not controllably aimed by nature can be accurately aimed. | 2014-07-17 |
20140201004 | Managing Interactive In-Vehicle Advertisements - The disclosure includes technology for managing interactive advertisements for users. The technology includes an example system including a processor and a memory storing instructions that when executed cause the system to: determine user data associated with a user; determine contextual data associated with the user; determine an interactive advertisement for presentation to the user in a vehicle based on the user data and the contextual data; and present the interactive advertisement to the user in the vehicle. | 2014-07-17 |
20140201005 | MOBILE ADVERTISING SYSTEM AND METHOD - Disclosed is a mobile advertising system comprising a database comprising a plurality of advertising organization entries, each advertising organization entry representing an advertising organization, each advertising organization entry associated with at least one competitor telephone number and at least one executable advertisement file, an advertisement file comprising either an active or an inactive advertisement file and an advertising organization entry associated with at least one active advertisement file referred to as an active advertising organization entry, a processor for retrieving, upon determining that a number dialed on a telephonic device is a competitor telephone number associated with at least one active advertising organization, an active advertisement file out of the at least one active advertisement file that corresponds to one of the at least one active advertising organization that corresponds to the competitor telephone number and an execution engine for executing the retrieved active advertisement file on the telephonic device. | 2014-07-17 |
20140201006 | System And Method For Creating and Distributing Electronic Advertisements - A system and method for creating and distributing electronic advertisements, wherein a business can create a user account in order to create and manage advertisements stored in an advertisement repository. A quick response code is created for the user account of each business, with the quick response code having an encoded value. Consumers can scan the quick response code using a portable computing device. Once the quick response code a code reader software of the portable computing device determines a decoded value. The decoded value is then matched to the encoded value in order to retrieve at least one advertisement from the advertisement repository. The at least one advertisement is then formatted according to operating specifications of the portable computing device and a display arrangement is determined for the at least one advertisement. The at least one advertisement is then transmitted to the portable computing device in the display arrangement. | 2014-07-17 |
20140201007 | SYSTEMS AND METHODS FOR PROVIDING ANONYMIZED USER PROFILE DATA - Embodiments facilitate confidential and secure sharing of anonymous user profile data to improve the delivery of customized content. Embodiments of the invention provide a data appliance to an entity such as a business to convert profile data about the business's customers into anonymous identifiers. A similar data appliance is provided to a content provider in one embodiment to generate identifiers for its user profile data. Because the anonymous identifiers are generated with the same anonymization method, identical identifiers are likely generated from profile data of the same users. Therefore, the identifiers can be used to anonymously match the customers of the business to the users of the content provider. Therefore, data can be shared to improve customized content such as advertisements that the business wishes to place with the content provider without requiring the business to disclose customer data in an unencrypted form, and any non-matched data can remain confidential. | 2014-07-17 |
20140201008 | System and Method for Intelligently Determining User Preferences and Responding Thereto - The present invention provides a system and method by which a thought can be (a) entered, (b) interpreted through combination of an adaptive thought-associative dictionary and user knowledge, (c) processed with an analytical toolset, (d) presented back to the user, (e) stored, and (f) updated. Through feedback the present invention attempts to track the user with increasing accuracy, in the context of a non-stationary environment. The present invention fully associates these elements through use of a database such that post processing can be readily applied to any element, or can be applied as the ability to do such post-processing is developed or improves. Furthermore, the present invention defines a mathematical construct and relationship to the thought environment such that many forms of processing can be realized. | 2014-07-17 |
20140201009 | DYNAMIC PRICING FOR GUARANTEED ONLINE DISPLAY ADVERTISING - A system and method for dynamic pricing in a guaranteed display market includes: receiving attribute parameters and values for an incoming pricing query for an advertisement; calculating a base price for the advertisement using recent historical information from contracts matching the attribute parameters; calculating a price response by adjusting the base price to reflect market conditions; calculating a non-guaranteed display opportunity cost for the adjusted base price; and calculating a final price as a function of the adjusted base price and the non-guaranteed display opportunity cost, with the non-guaranteed display opportunity cost as a lower bound for the price. | 2014-07-17 |
20140201010 | METHOD AND SYSTEM FOR DYNAMIC ONLINE DIGITAL BRAND ASSETS - A digital brand asset system is provided enabling a brand owner to create, distribute, maintain, manage, merchandise and analyze smart brand assets. The system enables distribution and sharing of smart brand assets across the websites. The websites can host webpages containing codes representing the smart brand assets. The brand owners specify brand guidelines that determine how the smart brand assets are presented based on the environment in which the smart brand assets are placed. Smart brand assets contain unique identifications so that a search engine crawler can index the web pages containing the content of the smart brand assets. By monitoring the website servers and visitors interacting with the smart brand assets, a report can be generated for the brand owners to determine the effectiveness of the smart brand assets hosted on the website servers. | 2014-07-17 |
20140201011 | ORDER PROCESSING SYSTEM, ORDER ENTORY TERMINAL AND ORDERING METHOD - In accordance with one embodiment, an order processing system comprises an ordering terminal equipped with an input/output section for inputting/outputting an order including a commodity name, a quantity and a serving order, a commodity database including a commodity name and a unit price for each commodity, an order file for storing the ordering quantity and the serving order for each ordered commodity, and a main control section which sends the next order according to the serving order to an order processing apparatus when the serving completion of the order just prior to the next order is input, and the order processing apparatus equipped with a cooking instruction file for storing the order received from the order entry terminal, and a control section which commands the output of a cooking instruction when the order is received. | 2014-07-17 |
20140201012 | METHODS AND SYSTEMS FOR EXCHANGING AND/OR TRANSFERRING VARIOUS FORMS OF VALUE - Methods and systems for exchanging various forms of value, including coins, currency, credit, debit, and/or bank account funds, for prepaid cash cards, credit cards, phone cards, and the like. In one embodiment, a value exchange machine includes a coin input region, a coin sorting/counting apparatus, a card reader, and a communications facility configured to communicate with a remote computer network. In another embodiment, a value exchange system includes one or more of the value exchange machines connected to one or more remote computers via a communications link. A user wishing to purchase, for example, a prepaid cash card can visit one of the value exchange machines, select the desired transaction, and pay for the card with coins, currency, a credit card, a debit card, and/or bank account funds. After confirming payment, the value exchange machine dispenses the card to the user. | 2014-07-17 |
20140201013 | COMPACT PORTABLE POINT-OF-SALE COUNTER - The present disclosure provides a compact portable point of sale (POS) device. The POS device is capable of being folded for easy transportation of the POS device by a user. The POS device includes a box unit having a cash register with a plurality of compartments, some of which are adapted to store currency notes and coins. Further, the POS device includes a pivotable tray hinged to the box unit for covering the cash register. The tray is adapted to receive a keyboard thereon. Furthermore, the POS device includes a tablet type computing device capable of being detachably attached to the box unit. The tablet has a display screen and is connected to the keyboard. After use of the POS device, the user is capable of folding the pivotable tray and the tablet for making the POS device portable in nature. | 2014-07-17 |
20140201014 | PROCESS FOR PAYMENT BY CELL PHONE TO A MERCHANT OBJECT OF THE INVENTION - The cell phone user interested in paying for his/her purchases in commercial establishments without the need to physically use a credit card installs in his/her cell phone an mPAY application configured to make payments through the cell phone. The commercial establishment, in which the mPAY customer has made his/her purchase, makes from his/her mPOS application, configured to accept payments from cell phones provided with mPAY, a payment request to the mPAY/mPOS server, which is the remote system which allows asynchronous communication between the mobile payment application of the customer's cell phone and the mPOS application of the commercial establishment, sends a PUSH message to the customer's cell phone activating therewith the mobile payment application thereof. | 2014-07-17 |
20140201015 | ADJUSTABLE KIOSK SYSTEM - A kiosk system includes: a flexible bendable user interactive display screen capable of operation when contorted, twisted or bent into different physical configurations; an operational interface in communications with the display screen; a network for access to and from the display screen via the operational interface; and a computer system for providing and receiving data to and from the display screen via the network. | 2014-07-17 |
20140201016 | PORTABLE ELECTRONIC DEVICE HAVING A MEMORY CARD MODULE FOR CONDUCTING ELECTRONIC TRANSACTIONS - A portable electronic device is provided for conducting an electronic transaction with a point-of-sale (POS) terminal, and includes a device processor, and a memory card module. The memory card module includes a transceiver unit to receive transaction data from the POS terminal, a storage unit including a working zone and a hidden zone that stores the transaction data, and a processing unit. The transaction data stored in the hidden zone is accessible only to the processing unit. The processing unit is responsive to control by the device processor that executes a read-only control application stored in the working zone for accessing the transaction data stored in the hidden zone. | 2014-07-17 |
20140201017 | SYSTEMS AND METHODS FOR PROVIDING REPEATED USE OF COMPUTING RESOURCES - Systems, methods, and non-transitory computer-readable media can provide access to a first-level computing resource via a service catalog. In some instances, the first-level computing resource can be created by a first entity. Moreover, a second-level computing resource can be received. In some cases, the second-level computing resource can be created by a second entity based, at least in part, on the first-level computing resource. Access to the second-level computing resource can be provided via the service catalog. Relational information associated with the first-level computing resource and the second-level computing resource can be tracked. | 2014-07-17 |
20140201018 | ELECTRIC POWER GRID CONTROL USING A MARKET-BASED RESOURCE ALLOCATION SYSTEM - Disclosed herein are representative embodiments of methods, apparatus, and systems for distributing a resource (such as electricity) using a resource allocation system. In one exemplary embodiment, a plurality of requests for electricity are received from a plurality of end-use consumers. The requests indicate a requested quantity of electricity and a consumer-requested index value indicative of a maximum price a respective end-use consumer will pay for the requested quantity of electricity. A plurality of offers for supplying electricity are received from a plurality of resource suppliers. The offers indicate an offered quantity of electricity and a supplier-requested index value indicative of a minimum price for which a respective supplier will produce the offered quantity of electricity. A dispatched index value is computed at which electricity is to be supplied based at least in part on the consumer-requested index values and the supplier-requested index values. | 2014-07-17 |
20140201019 | SYSTEM AND METHOD FOR COMPETITIVE PRICING AND PROCUREMENT OF CUSTOMIZED GOODS AND SERVICES - An apparatus and method for selecting a lowest bidding vendor from a plurality of vendors of a customized good or service, including receiving a set of vendor's attributes from each of the plurality of vendors representing their respective capabilities, and receiving an invitation-for-bid data from the buyer defining a custom job for which the buyer desires price quotes or bids. The vendor attributes or the invitation-for-bid, or both, are received through a web browser. A bid is received from at least one vendor in the vendor selection pool, the lowest price bid is identified, the buyer is informed of the identity of the selected vendor, and solicited for approval of the selected vendor. The non-selected vendors in the selection pool are informed of the bid prices and of the selection results. | 2014-07-17 |
20140201020 | MOVING COST ESTIMATION SYSTEM - A method for estimating costs associated with relocating a plurality of items is provided. An interface is provided to a device. The interface receives user input data associated with relocating a plurality of items and displays a plurality of cost estimates that includes a total moving cost. The plurality of cost estimates are based at least in part on predefined item cost and user input data. At least one of the plurality of cost estimates is dynamically updated after at least a portion of the user input data is received. At least one of an estimate sheet and moving tariff form is provided. The estimate sheet is based at least in part on the plurality of cost estimates and received user input data. The moving tariff form provides a list of at least one charge and service associated with the plurality of cost estimates. | 2014-07-17 |
20140201021 | System and method for managing selelction of prescription drug plans - A system and method for managing selection of a prescription drug plan, based on generating a request for proposal (RFP), submitting the RFP to prescription benefit management (PBM) vendors, receiving bids from PBM vendors, and calculating weighted scores of the bids to determine total score for the plan. | 2014-07-17 |
20140201022 | VEHICLE DAMAGE PROCESSING AND INFORMATION SYSTEM - A system that determines an estimate of damage to a surface area of a vehicle. The system may include a scanner that generates scanning data representative of a surface area of the vehicle. The system may also include a computing device that processes the scanning data to detect damage items and generates an estimate of damage using the processed scanning data. | 2014-07-17 |
20140201023 | System and Method for Virtual Fitting and Consumer Interaction - In a multimedia device, a method, apparatus, and system for presenting product information to user, provide the means and methods for user to virtually try on the products with user specific image/photo through user interaction, graphical image processing and generation, loading and switching images to generate a continuous virtual fitting experience. Collect and manage user input data and facilitate interaction between consumer and vendor. | 2014-07-17 |
20140201024 | Visual Shopping - Systems and methods are provided for customizing consumer products. A display device may present a rendering of a customizable product to a user. The display device may also present a set of customizations on a scrollable axis. An input interface such as a touch interface may receive a selection of at least one customization from the user, and the rendering of the product may be updated to display the customizations selected by the user. An electronic file may be generated that includes product manufacturing details, which indicate the customizations selected by the user. The product may be an article of footwear, and a printer may print the selected customizations on the article of footwear. | 2014-07-17 |
20140201025 | PERSONALIZED CUSTOMER SHOPPING EXPERIENCE - A system and method that improves and enhances the customer's in-store shopping experience. The consumer product of purchase interest or intent to buy expresses (or self-announces via technology) it's match (or fit based on known or understood buying habits, customer taste, tendencies, etc) against the customer preferences during an in-store shopping experience. | 2014-07-17 |
20140201026 | PERSONALIZED CUSTOMER SHOPPING EXPERIENCE - A method that improves and enhances the customer's in-store shopping experience. The consumer product of purchase interest or intent to buy expresses (or self-announces via technology) it's match (or fit based on known or understood buying habits, customer taste, tendencies, etc) against the customer preferences during an in-store shopping experience. | 2014-07-17 |
20140201027 | RE-RANKING ITEM RECOMMENDATIONS BASED ON IMAGE FEATURE DATA - An apparatus and method to adjust item recommendations are disclosed herein. A first image attribute of a query image is compared to a second image attribute of each of a plurality of inventory images of a plurality of inventory items to identify the inventory items similar to the query image. Item recommendations comprising the identified inventory items in a first listing order are provided for display at a remote device. A second listing order of the identified inventory items is determined based on a user preference for a particular one of the identified inventory items. At least the second listing order is provided to the remote device for re-display of the item recommendations in accordance with the second listing order. | 2014-07-17 |
20140201028 | COMPLEMENTARY ITEM RECOMMENDATIONS USING IMAGE FEATURE DATA - An apparatus and method to facilitate finding complementary recommendations are disclosed herein. One or more fashion trend or pleasing color combination rules are determined based on data obtained from one or more sources. One or more template images and rule triggers corresponding to the fashion trend or pleasing color combination rules are generated, each of the rule triggers associated with at least one of the template images. A processor compares a first image attribute of a particular one of the template images to a second image attribute of each of a plurality of inventory images corresponding to the plurality of inventory items to identify the inventory items complementary to the query image. The particular one of the template images is selected based on the rule trigger corresponding to the particular one of the template images being applicable for a query image. | 2014-07-17 |
20140201029 | 3D Click to Buy - An e-commerce method, comprising: providing a plurality of interactive 3D models in a data storage device, at least one said 3D model for each of a plurality of products. The 3D models including parametric data for rendering a 3D image of a selected product; providing Rendering Engine software receiving parametric data from the 3D models and rendering a 3D image on a display on a client side workstation. The Rendering Engine software executing on a client side or a server side workstation. The user specifies search criteria for searching for a selected product whose 3D model is stored on the data storage device. The search software returns a list of products matching the search criteria and prompts the user to select one said product. The Rendering Engine renders a 3D image of the product using the 3D model, and prompts the user to interact with the 3D model. | 2014-07-17 |
20140201030 | DYNAMIC PAYMENT SERVICE - Systems and methods may provide for implementing a dynamic payment service. In one example, the method may generate a request communication including purchase detail information relating to an item to request credit from a vendor to conduct a transaction relating to the item, determine a scope of credit to be issued to conduct the transaction relating to the item based on the purchase detail information, and generate a payment communication including the transaction information to complete the transaction relating to the item. | 2014-07-17 |
20140201031 | Electronic commerce gift shopping cart management system - A method of managing an electronic gift shopping cart includes the steps of: configuring a server to retrieve retailer product information and displaying the retailer product information to a gift giver, the retailer information comprising at least: a product name, a product SKU, and a product description; and presenting the retailer product information to a gift giver user; configuring the server to generate a first shopping cart state by receiving a gift giver gift selection from the retailer product information; configuring the server to configure parameters of the first shopping cart state including the step of providing a choice of a gift to a gift recipient so that a plurality of items provides a gift choice; and configuring the server to present the first shopping cart state to the gift recipient in the form of a gift notice. | 2014-07-17 |
20140201032 | System and Method for Preventing, Responding to, or Discouraging Predatory and Uncompetitive Sales Practices - A method and system for identifying and discouraging predatory and uncompetitive sales practices includes identifying at least one base cost for at least one product, determining at least one current cost for the at least one product from at least one retailer displaying or selling products and services through online or mobile channels, and determining if the at least one product sold by the at least one retailer displaying or selling products and services through online or mobile channels is a loss-leader based at least partially on the at least one base cost and the at least one current cost. At least one of the at least one product may be automatically purchased from the at least one retailer displaying or selling products and services through online or mobile channels if the at least one product sold by the at least one retailer is determined to be a loss-leader. A system for implementing the aforementioned method includes appropriately communicatively connected hardware components. | 2014-07-17 |
20140201033 | Precious Metals Transaction Systems and Methods - Systems and methods directed to the purchase of articles formed of precious metals are disclosed. Precious metal content is analyzed using an x-ray fluorescence (“XRF”) analysis instrument to determine alloy content, in combination with an ultrasound or electrical conductivity instrument to confirm uniformity of cross-sectional content. The present method thus advances the art of precious metals transactions by precisely analyzing and determining precious metal content and purity, and combining said data with real-time pricing and a digital record of the transaction including the identity of the seller. An automated system is disclosed for fully automating the purchasing of article of precious metals. | 2014-07-17 |
20140201034 | Private-Party Vehicle Trade Method and System - Disclosed are methods, apparatus, systems, and non-transitory, tangible computer-readable media associated with private-party vehicle owners wishing to trade their vehicle for another private-party vehicle either permanently or temporarily through an online, electronic bulletin board. In various computer-generated embodiments, a user posts their vehicle's features, details, and pictures along with the type of vehicle they are interested in trading for; including if they wish to give or take money with the trade, how far they are willing to travel outside their zip code, and if they seek a permanent or temporary trade. Vehicle matches are then created, published, and shared between users. | 2014-07-17 |
20140201035 | USING MODEL INFORMATION GROUPS IN SEARCHING - Managing user accesses is disclosed, including: determining a matching merchandise category based at least in part on a keyword associated with a query; retrieving a model information group corresponding to the matching merchandise category; extracting at least some attribute information from the model information group based at least in part on a quantity associated with an attribute; and presenting the extracted at least some attribute information from the model information group. | 2014-07-17 |
20140201036 | INFORMATION PROCESSING APPARATUS, INFORMATION PROCESSING METHOD, AND INFORMATION PROCESSING PROGRAM - It is made possible that a user easily find a part which the user wants to see from contents of information of an item for sale purchased by the user. An information processing apparatus determines whether or not a user who requests contents including information of an item for sale has purchased the item for sale. Further, the information processing apparatus identifies a part that has been seen in the contents on the basis of a history indicating at least a displayed part of the contents after purchase of the item for sale. Then, the information processing apparatus causes the contents to be displayed in a state in which the identified part is seen more preferentially when it is determined that the user has purchased the item for sale than when it is determined that the user has not purchased the item for sale. | 2014-07-17 |
20140201037 | SYSTEM AND METHOD FOR PURCHASING GOODS FOR DONATION TO CHARITIES - A computerized method and system for online purchase and donation of goods includes: registering a charity and a shopper into a database; populating the database with a prioritized list of goods available in a retail store for purchase and donation to the charity; enabling the shopper to select and purchase goods on a computerized system for donation to the charity; and enabling transfer of the purchased goods from the store to the charity. | 2014-07-17 |
20140201038 | Dynamic Reconfiguration of Web Pages Based on User Behavioral Portrait - A method is provided for determining a website user behavioral portrait based on navigation on the website and dynamically reconfiguring web pages based on those portraits. In accordance with the method, data relating to the progress of a user through a website is recorded, and an ongoing behavioral portrait of the user is built based on the data. The portrait is then used to dynamically reconfigure web content. | 2014-07-17 |
20140201039 | SYSTEM AND METHOD FOR AN AUTOMATED PROCESS FOR VISUALLY IDENTIFYING A PRODUCT'S PRESENCE AND MAKING THE PRODUCT AVAILABLE FOR VIEWING - Provided are a system and method for providing repeatedly updated visual information for an object. In one example, the method includes receiving a plurality of images of an object from a camera configured to capture the images, where the images are still images that are separated in time from one another and where each image is captured based on a defined trigger event that controls when the camera captures that image. Each image of the plurality of images is made available for viewing via a network as a current image as that image is received, where each image updates the current image by replacing a previously received image as the current image. A notification is received that the image is to be removed from viewing. The current image is then marked to indicate that the object is no longer available. | 2014-07-17 |
20140201040 | PRESENTATION-STRUCTURE-AWARE DISPLAY OF PLANOGRAMS - Embodiments of techniques and systems for presentation-structure-aware (“PS-aware”) display of planograms are described. In embodiments, a PS-aware planogram display system may acquire an image of a presentation structure. The display system may, based at least in part on the acquired image, display a planogram of an intended preparation of items at the presentation structure. The display system may also analyze the acquired image for one or more markers which may identify the presentation structure. The display system may then identify the presentation structure and obtain a planogram. The display system may also modify the planogram based on an orientation and/or position of the acquired image. The modified planogram may be displayed in a partially-transparent manner placed on the acquired image for viewing by a user. Other embodiments may be described and claimed. | 2014-07-17 |
20140201041 | OUT OF STOCK SENSOR - A weight sensing system for retail shelves includes multiple shelves having an electrical communication and power distribution system, and weight sensors located on the top surfaces of the shelves and coupled to the electrical communication and power distribution system for detecting the placement of retail products on the shelves. A controller monitors real-time at-the-shelf inventory and issues alerts when a retail product becomes out-of-stock, is anticipated to become out-of-stock, or is misplaced on a shelf. Collection of real-time inventory data enables comprehensive inventory control at the shelf and in storage areas. | 2014-07-17 |
20140201042 | INVENTORY CONTROL SYSTEM - A weight sensing system for retail shelves includes multiple shelves having an electrical communication and power distribution system, and weight sensors located on the top surfaces of the shelves and coupled to the electrical communication and power distribution system for detecting the placement of retail products on the shelves. A controller monitors real-time at-the-shelf inventory and issues alerts when a retail product becomes out-of-stock, is anticipated to become out-of-stock, or is misplaced on a shelf. Collection of real-time inventory data enables comprehensive inventory control at the shelf and in storage areas. | 2014-07-17 |
20140201043 | ENTITY RESOLUTION WITHOUT USING PERSONALLY IDENTIFIABLE INFORMATION - In a method for tracking purchases by a customer, records of purchases forming transaction records are received, identifying a product, service, or category of product or service purchased, and a date/ time of purchase. Location records of usage of mobile devices by respective users are received, indicating a date and time of each usage and an identifier of the corresponding user. Using the transaction records and the location records, locations of the mobile devices at respective dates and times of their usage are correlated to respective locations of stores that provide products and services being purchased. Based on the dates and times of several transaction records, dates and times of several location records are matched within a predetermined time window for one customer. A determination is made that the one customer purchased one or more of the categories of products or services in the matching transaction records. | 2014-07-17 |
20140201044 | DETERMINING A PAYMENT POLICY - A method of generating a recommendation reducing a cost of subject attrition includes generating a plurality of policies, wherein each of the plurality of policies models a dependence of an attrition risk of each of a plurality of subject categories on a plurality of payment components of the plurality of subject categories, and each of the plurality of policies is associated with a respective set of weights on the plurality of subject categories, determining a benefit of each of the plurality of policies, selecting a selected policy from among the plurality of policies according to the benefit, and generating a recommendation for adjusting a specific payment component of a specific subject for each policy according to the selected policy. | 2014-07-17 |
20140201045 | DETERMINING LOCAL TAX STRUCTURES IN AN ACCOUNTING APPLICATION THROUGH USER CONTRIBUTION - A method to generate a suggested tax structure in a software application for a geographical region. The method includes obtaining tax structures generated by users according to a tax jurisdiction requirement of the geographical region, where each tax structure includes a tax rate used by the users to configure instantiations of the software application to perform a task, generating a statistical measure of the users and a number of times the task is performed by the users, generating, in response to the statistical measure exceeding a threshold, a suggested tax structure to represent a portion of the tax structures that is qualified based on the statistical measure, and presenting, in response to determining that a new user of the software application is within the geographical region, the suggested tax structure to the new user. | 2014-07-17 |
20140201046 | DATA RECOVERY PRICING METHOD AND DATA BACKUP AND RECOVERY METHOD - A method for pricing data recovery for a sequence of time periods based on an estimate of the amount of data that will be recovered. For the first period, the price is the backup capacity times a price rate times an assumed recovery rate, which is a pre-determined number. For subsequent periods, the price is the backup capacity times the price rate times the actual amount of data recovered in the prior time period. The method also includes a data backup and recovery method using the data recovery pricing method, which provides tracker software to measure the amount of data recovered. | 2014-07-17 |
20140201047 | DETERMINING A PAYMENT POLICY - A method of generating a recommendation reducing a cost of subject attrition includes generating a plurality of policies, wherein each of the plurality of policies models a dependence of an attrition risk of each of a plurality of subject categories on a plurality of payment components of the plurality of subject categories, and each of the plurality of policies is associated with a respective set of weights on the plurality of subject categories, determining a benefit of each of the plurality of policies, selecting a selected policy from among the plurality of policies according to the benefit, and generating a recommendation for adjusting a specific payment component of a specific subject for each policy according to the selected policy. | 2014-07-17 |
20140201048 | METHOD AND APPARATUS OF IDENTIFYING A WEBSITE USER - A method and an apparatus of identifying a website user are disclosed herein. The method includes: obtaining accounts and user identities from a database; building a connected graph by taking the accounts and the user identities as nodes and connecting account nodes and user identity nodes having association relationship therewith; finding a connected component from the connected graph, accounts corresponding to all account nodes in the connected component forming an account group that is bound to a same website user; computing an account density and a fraud account closing rate of the account group; determining whether the account density and the fraud account closing rate are within respective predetermined normal value ranges; and if affirmative, determining that the account group is a dangerous account group and a website user bound to the dangerous account group is a dangerous website user; otherwise, determining that the account group is a normal account group and a website user bound to the normal account group is a normal website user. | 2014-07-17 |
20140201049 | EDGE DETERMINATION DEVICE - A method of determining an edge on an option strategy is disclosed. An option strategy may be accepted where the option strategy is a combination of buying and selling puts in calls. The edge for the options strategy may be determined by adding the delta edge to the vega edge. | 2014-07-17 |
20140201050 | SMART COMPLETE OPTION STRATEGY DISPLAY - A system and method for determining and presenting likely option strategies based on inputs is disclosed. An assets input is accepted where the asset input indicates an underlying asset for which options are available. Additional inputs may be accepted to further narrow the list of possible strategies. The system may attempt to predict and display the most likely option strategies based on the inputs. | 2014-07-17 |
20140201051 | Master Feeder Structure For Pooled Investment Companies - A computer-implemented method for operating a master trust that holds a portfolio of assets for plural feeder funds including at least a mutual fund and an exchange traded fund (ETF) is described. The master is a multi-class master fund of for feeder funds including an ETF class and mutual fund class. Shares in the ETF class and mutual fund class are exchanged between the mutual fund and master and the ETF and master according to types of transactions. | 2014-07-17 |
20140201052 | Methods and Systems for Monitoring and Controlling Order Message Traffic - Example methods, systems, and tangible computer readable storage media disclosed herein provide for tracking of order messages. An example method includes tracking, using a computing device, an order message, the order message including an order for a tradeable object in a trading market. The trading market includes an inside market. The example method includes determining, using the computing device, whether the order is directed to the inside market of the trading market. If the order is determined to be directed to the inside market, the example method includes adjusting a weighting factor to decrease a message ratio. The message ratio compares a weighted order message total to a fill total. If the order is determined to be directed away from the inside market, the example method includes adjusting a weighting factor to increase the message ratio. The example method includes determining, using the computing device, if the message ratio satisfies a message ratio threshold. The example method includes implementing, using the computing device, message ratio handling if the message ratio satisfies the message ratio threshold. | 2014-07-17 |
20140201053 | METHOD AND SYSTEM FOR MANAGING EXCHANGE TRADED FUNDS USING AN INTRADAY INDICATIVE VALUE - A computer implemented method, system, and software for calculating and using an intraday indicative value of a leveraged Bullish or Bearish exchange traded fund (“ETF”) for arbitrage purposes, includes calculating an intraday current value of all the equity securities in the ETF (applicable only to Bullish ETFs), calculating mark to market gains or losses of at least one derivative product, and retrieving an accumulated loss or gain of the at least one derivative product and other cash equivalent amounts. The intraday indicative value of the ETF is determined by combining the calculated intraday current value of all the equity securities (applicable only to Bullish ETFs), the accumulated loss or gain, the mark to market gains of the at least one derivative product and other cash equivalent amounts. The determined intraday value of the ETF is used, by a party, for arbitrage purposes. | 2014-07-17 |
20140201054 | System And Method For Regulating Order Entry In An Electronic Trading Environment - A system and method are provided for defining slop parameters to an individual spread order or a customized group of orders. The system and method may be used to, for example, define inside slop, outside slop, and/or adjustable range parameters to one or more orders. The inside slop, outside slop, and/or adjustable range parameters may be input by a trader, and, among other things, allow a trader to prioritize orders, set parameters so that some orders are re-priced more aggressively than other spread orders. Alternatively, slop parameters associated with a spread order may also apply more restrictive slop parameters to orders within the same adjustable range. Slop parameters associated with a spread order can also be configured and modified by a trader based on the trader's preferences. Other features and advantages are described herein. | 2014-07-17 |
20140201055 | Methods and Systems for Creating and Trading Derivative Investment Products Based on a Covariance Index - Systems and methods for determining an index based on a covariance between two underlying assets is disclosed. In one implementation, a processor of a trading platform calculates a covariance index associated with two underlying assets, creates a covariance derivative associated with the two underlying assets based on the covariance index, and displays the covariance index and the covariance derivative on a trading display device coupled with the trading platform. | 2014-07-17 |
20140201056 | System and Method for Electronic Spread Trading in Real and Synthetically Generated Markets - A system and method are provided to analyze synthetic and real markets that offer interchangeable tradeable objects to find market opportunities that a trader may capitalize on. A synthetic market is an electronic market created out of real markets by a computer terminal or gateway. A real market is an electronic market that is offered by an electronic exchange. If a desirable market opportunity is found, the preferred embodiments can take action such as by sending orders to either one of the markets, or by sending orders to both markets. An advantage of the preferred embodiments, among many others, is that they can make “invisible” trading opportunities more readily apparent. | 2014-07-17 |
20140201057 | MEDIUM OF EXCHANGE BASED ON RIGHT TO USE OR ACCESS INFORMATION - Methods, apparatus and systems for managing certificates used as a medium of economic exchange include issuing, by at least one computer, electronic certificates configured for use as digital currency units; publishing, by the at least one computer, a promise to redeem the electronic certificates for a right to access a digital object controlled by the at least one computer at a specified rate; and redeeming, by the at least one computer, ones of the electronic certificates for rights to access the digital object at the specified rates. The digital objects may include rights to use or access copyrighted digital content, and/or virtual objects or services useful only in a virtual online environment that is controlled via the one or more computers. The methods, apparatus and systems may include providing one of the electronic certificates to users, in exchange for value. | 2014-07-17 |
20140201058 | Stewardship Method for Managing Ozone-Depleting Substances - A stewardship system integrates the management of ozone depleting substances and halogenated substances, such as chlorofluorocarbons (CFC), across multiple players in the supply chain, carbon credit generation, sale of carbon credits within the various carbon credit markets, and improves distribution of the profits to the contributing entities. A central processing entity mediates transactions between the different entities. | 2014-07-17 |
20140201059 | PREPAID MULTINATIONAL PROGRAM - A system and method for providing multinational prepaid services in a plurality of countries is provided. A multinational organization can work with an originating issuer to implement a corporate disbursement program in a number of countries. The multinational organization can provide a device file to a multinational prepaid system. The multinational prepaid system can split the device file into a plurality of destination device files for a plurality of destination issuers in each country where the funds need to be disbursed. The multinational prepaid system can provide a funding file to a funds transfer system to convert the funds from an originating country currency into a destination country currency for each country and to deliver the funds to the appropriate destination issuer in each country. The destination issuers can then distribute prepaid funds in their respective local currency to the specified recipients based on the destination device file. | 2014-07-17 |
20140201060 | COMPUTER PROGRAM, SYSTEM, AND METHOD FOR PROVIDING A CONSUMER WITH IMMEDIATE ACCESS TO FUNDS VIA A HYBRIDIZED SECURED LINE OF CREDIT - A hybridized secured credit financial product provides a consumer immediate access to funds corresponding to at least a portion of a line of credit before collateral securing the line of credit is realized. The consumer applies for a secured lined of credit. If approved, the consumer opens a first financial account that is a secured credit account. Collateral to secure the secured credit account is provided via a source of collateral funds, such as a onetime or periodic impending payment, associated with the consumer and deposited into a second financial account associated with the consumer. The consumer is allowed access to at least a portion of the line of credit before the collateral is actually deposited into the second financial account. | 2014-07-17 |
20140201061 | ON-LINE AUTOMATED LOAN SYSTEM - A computerized system for determining whether to provide a loan to a customer who would like to purchase goods from a website of a merchant. The computerized system includes at least one processor, at least one memory, and at least one program stored in at least one of the memories. The at least one program causes the computerized system to respond to a receipt of a notification that the customer is browsing one or more pages of the website by crawling one or more pages of the website to determine the presence or absence of specified features on the pages and providing a decision as to whether or not to authorize a loan to the customer to purchase the goods from the merchant as a function of the presence or absence of the specified features. | 2014-07-17 |
20140201062 | Systems and Methods for Managing a Loan Application - The disclosed embodiments provide systems and methods for managing a loan application. In one embodiment, a method is disclosed that may include identifying one or more unfulfilled conditions associated with a loan application of a customer and sending, to a customer device, a request for a loan application document based on the identified one or more unfulfilled conditions. The method may also include receiving, from the customer device, a responsive loan application document. The method may also include identifying a document type for the responsive loan application document and confirming that the responsive loan application document is a valid document. Finally, the method may also include sending loan application status information to the customer device based on the confirmation. | 2014-07-17 |
20140201063 | FINANCIAL-SERVICE STRUCTURED CONTENT MANAGER - A financial-service system that manages content objects includes a chronicles platform with a chronicle associated with a loan request. A content manager determines a set of content objects to be associated with the chronicle and generates a bucket for each content object of the set of content objects. Each bucket is associated with a name and is configured to receive an associated content object. The chronicle is populated with the generated buckets. An interface that detects a user action and that thereafter receives or generates a content object, which is detected by the content manager and associated with a bucket. The content manager causes the bucket to receive the content object and presents representations of the buckets to a user. Representations of one or more buckets that have received a content object differ from representations of one or more other buckets that have not received a content object. | 2014-07-17 |
20140201064 | SYSTEM AND METHOD FOR VIOLATION ENFORCEMENT UTILIZING VEHICLE IMMOBILIZATION - A system for violation enforcement utilizing vehicle immobilization is provided. The system includes a database configured to store identifying information for a plurality of target vehicles subject to immobilization. The system includes a license plate recognition device configured identify a plurality of vehicles and a geographic locations associated with each vehicle. A data server receives the data identifying the plurality of vehicles and the plurality of geographic locations associated with each vehicle. An output processor is in operative communication with the data server and the database and is configured to process the received data and to compare the received data to the stored identifying information for the plurality of target vehicles. The output processor is further configured to generate and transmit a notification to a recovery vehicle when identifying information for one or more target vehicles matches the identifying information for one or more vehicles in the received data. | 2014-07-17 |
20140201065 | SYSTEM FOR AND METHOD OF MOBILE FLEET DATA CAPTURE WITH REAL-TIME AUTHORIZATION DATA - A method for creating a transaction record includes: receiving a request including an identifier from a mobile device; identifying a consumer data entry related to a consumer and including the identifier; identifying transaction data related to a transaction involving the consumer; transmitting the data to the mobile device; receiving additional details from the mobile device; and creating a transaction record, the transaction record associated with the consumer including at least the transaction data and the additional details. A method for submitting transaction details includes: identifying an identifier associated with a user of a mobile device; transmitting a transaction request to a server, the transaction request including the identifier; receiving transaction data from the server for a transaction involving the user; displaying the received transaction data to the user; receiving additional details; and transmitting the additional details to the server for the creation of a transaction record for the transaction. | 2014-07-17 |
20140201066 | SYSTEM AND METHOD FOR ENABLING TRANSACTIONS ON AN ASSOCIATED NETWORK - A method and system are disclosed for wireless payment and information collection. A central system generates a personalized application including unique application and transaction identifiers, security keys, and signatures for a user device. The user device implements the personalized application in order to access the services of the associated network. Tags, capable of short-range communication with the user devices, are deployed to service access points of the associated network. The tags and user device mutually authenticate and share identifiers. Validation of the user device results in the tag updating an irreversible counter, generating transaction certificate, and logging this transaction information. The transaction certificate and a portion of the log are communicated to the user device, and service is granted. The user device transmits the transaction information and log to the central system for billing when a network connection is available. | 2014-07-17 |
20140201067 | SYSTEM AND METHOD FOR FACILITATING A TRANSACTION - A system and method for facilitating a transaction comprises a payment gateway arranged to receive a group payment request arranged to identify a plurality of users each contributing a payment portion to a total balance of the transaction, a generating module arranged to generate a part payment request for each plurality of users with the payment portion, a payment interface arranged to transmit the part payment request to each plurality of users, a settlement interface arranged to receive part payment instructions from each plurality of users to settle each part payment request, a settlement module arranged to settle the part payment instructions to determine a combined settled amount, and, a processor arranged to determining an outstanding balance by comparing the combined settled amount with the total balance; whereupon an outstanding balance is determined, selecting a user from the plurality of users and settling the outstanding balance with the selected user. | 2014-07-17 |
20140201068 | Method for Processing Cash Payment for Online Purchase - A system and method for processing a cash payment for an online purchase is provided herein, including purchasing online from a payee at least one item of goods or services by a payer defining a transaction; generating a bill for an amount due to the payee by the payer for the item, the bill including a unique identifier for the transaction; paying for the bill in cash by the payer to a third party the amount due to the payee; confirming payer's payment in cash for the item to the payee; and delivering to the payee all or a portion of the amount due to the payee from the payer. | 2014-07-17 |
20140201069 | TRANSMITTER, RECEIVER, TRANSMITTING METHOD, RECEIVING METHOD, COMMUNICATION SYSTEM, COMMUNICATION METHOD, PROGRAM, AND COMPUTER-READABLE STORAGE MEDIUM - To provide a technique for making it possible to perform proximity communication using an apparatus not including a special proximity communication device. Transmission data is acquired. Output sound data of a PCM format obtained by encoding the transmission data is output, the output sound data indicating sound in an inaudible frequency band. A DA converter is caused to convert the output sound data, whereby a speaker is caused to output sound corresponding to the output sound data. The output sound data indicates sound having a plurality of sections with sound and soundless sections between the adjacent sections with sound according to the transmission data and that the output sound data indicates a sine curve in which the amplitude of the sections with sound increases from a start time and decreases after reaching a maximum. | 2014-07-17 |
20140201070 | MONETARY TRANSACTION SYSTEM - Embodiments are directed to monetary transaction system for conducting monetary transactions between transaction system subscribers and other entities. In one scenario, the monetary transaction system includes a mobile device that runs a monetary transaction system application. The monetary transaction system also includes a subscriber that has a profile with the system. The subscriber indicates a transaction that is to be performed with the monetary transaction system. The system further includes a monetary transaction system processor that performs the transactions specified by the subscriber including communicating with a monetary transaction database to determine whether the transaction is permissible based on data indicated in the subscriber's profile. The monetary transaction system also includes at least one entity that is to be involved in the specified transaction, where the entity has a profile with the monetary transaction system. This entity may be a person, a retail store, an agent or other entity. | 2014-07-17 |
20140201071 | Methods and Systems for Routing Payment Transactions - Methods and systems for routing payment transactions electronically involve interrogating by computer logic each payment transaction received by a payments interface processor to identify a payment destination and a payment source and to determine, according to pre-defined parameters, whether the payment transaction is eligible for processing via an internal payment transaction processor of the financial institution that minimizes processing costs. Eligible payment transactions may be routed, for example, to an internal debit or credit card processor or ACH processor, and ineligible payment transactions may be routed to external card processing networks. | 2014-07-17 |
20140201072 | ALTERNATIVE BILLING MODES FOR SECURITY AND AUTOMATION APPLICATIONS - A method and system facilitate the one or more operating modes for monitoring of an intelligent home system. The method and system facilitate the detection of an adverse condition in a building, the generation of an alert based on the detection of adverse condition, sending a notification to a user about the alert, asking the user how to respond to the alert via a message sent to a mobile device, and determining whether to send the alert to a central monitoring system to facilitate notification of an appropriate responder for the adverse condition. Determining whether to send the alert to the central monitoring system may be based on an affirmative command from the user or a failure to receive any command from the user. The user may be notified via at least one of a telephone call, text message, email, or application notification. The user may provide instructions to the method and system via at least one of a telephone call, text message, email, application command, or web script. The user may be billed for the service of notifying an appropriate responder provided by central monitoring system regularly, intermittently when the user is away from the building, or on a per-alert basis. | 2014-07-17 |
20140201073 | ENABLEMENT OF MANAGED PRINT "MICRO" SERVICE FOR RETAIL OFFICE CHANNEL - Systems and methods are provided for managing a document processing device of a consumer. According to one embodiment, a registration request for a managed print service (MPS) plan is received from a retailer selling the MPS plan to the consumer. The MPS plan includes a plurality of credits. The MPS plan is associated with an MPS account of the consumer based on the registration request, and the document processing device is associated with the MPS plan. Data regarding a remaining life of a consumable of the document processing device or usage of the document processing device is received from the consumer. The credits are decremented based on the received data. The provisioning of a replacement for the consumable to the consumer is coordinated in response to the remaining life of the consumable falling below a threshold and the MPS plan including credits. | 2014-07-17 |
20140201074 | SPLITTING USAGE CHARGES BASED ON PREFERENCES - One or more servers may determine delivery charge information for delivery of a content file to a user device; receive a first set and a second of preferences identifying whether the delivery of the content file can be charged to an account of the user device or to an account of the one or more servers; generate a delivery instruction based on the first set of preferences, the second set of preferences, and the delivery charge information, the delivery instruction identifying a first charge value and a second charge value; receive a request for the content file from the user device; and cause a billing settlement function to be performed to assess the first charge value to the account of the user device or to assess the second charge value to the account of the one or more servers based on delivering the content file to the user device. | 2014-07-17 |
20140201075 | TRANSACTION SYSTEM AND METHOD - A method and device of performing a person-to-person payment from a wireless personal communications device of an originator to a wireless communications device of a recipient is provided. The method include transferring a respective blind payment identifier, which is associated with a payment having a monetary value, from a wireless personal communications device of the originator to a wireless personal communications device of the recipient by using a direct device-to-device communications protocol. The personal communications device includes means arranged to communicate wirelessly with a remote payment system to set up a payment therewith including by obtaining and storing a blind payment identifier; and means arranged to communicate directly with a proximal, second personal communications device and impart the blind payment identifier thereto. | 2014-07-17 |
20140201076 | SYSTEMS AND METHODS FOR PROCESSING OFF-NETWORK TRANSACTION MESSAGES - A computer-implemented method for applying payment services to a payment transaction over a first payment network using a payment services computer system hosted on a second payment network is provided. The method includes receiving a service request at the payment services computer system from a requestor. The service request has a first format that is readable by the second payment network. The method includes determining, at the payment services computer system, the payment services the service request is registered to receive. The method includes processing the service request by applying the registered payment services to the service request. The method includes generating, at the payment services computer system, a services response. The services response is generated based on the registered payment services and the payment transaction data. The method additionally includes transmitting the services response to at least one of the cardholder and the requestor. | 2014-07-17 |
20140201077 | FRAUD DETECTION EMPLOYING PERSONALIZED FRAUD DETECTION RULES - Detection of fraud in financial transactions is facilitated. A financial transaction is initiated by a user, and based on the financial transaction, information is obtained by an electronic device of the user. Using the information, the electronic device evaluates a set of rules personalized for the user; the set of rules to be used to determine whether the financial transaction is to be approved for the user. The electronic device provides an initial indication, based on the evaluating, of whether the financial transaction is to be approved. | 2014-07-17 |
20140201078 | PAYMENT SYSTEM, PAYMENT TERMINAL, PAYMENT METHOD, PAYMENT PROGRAM, AND COMPUTER-READABLE RECORDING MEDIUM FOR RECORDING SAME PROGRAM - A settlement system includes a mobile terminal including a plurality of payment means for performing the payment process, and a reader/writer including an acquisition unit that sequentially inquires to the mobile terminal about each of a plurality of acceptable payment means and accepting a payment with one payment means specified among payment means confirmed to be present by the settlement acquisition unit by using a settlement unit corresponding to the one payment means, the mobile terminal further including a storage means that stores limitation information, and the reader/writer further includes a limitation information acquisition means that acquires the limitation information stored in the storage means, and an electronic money type narrowing down unit that stops inquiries by the acquisition unit when presence of payment means limited by the limitation information acquired by the limitation information acquisition means is confirmed by the acquisition unit. | 2014-07-17 |
20140201079 | TRANSACTION PROCESSING - A transaction processing system for the real time authorization of payment transactions. The system comprises a verification system ( | 2014-07-17 |
20140201080 | SYSTEMS AND METHODS FOR PROCESSING CUSTOMER PURCHASE TRANSACTIONS USING BIOMETRIC DATA - A system and method is provided for processing customer purchase transactions using biometric data. Consistent with disclosed embodiments, a processing entity receives biometric data of a customer, wherein the biometric data is unique to the customer. The processing entity may additionally receive transaction data, the transaction data reflecting the price of a purchase transaction by the customer. The processing entity may compare the received biometric data to stored biometric data associated with customers of a financial service provider and identify common biometric data. Additionally, the processing entity may correlate the common biometric data to a customer account associated with the financial service provider, compare the customer account associated with the financial service provider with the transaction data, and verify the customer account associated with the financial service provider contains adequate funds. Furthermore, the processing entity may authorize the purchase transaction. | 2014-07-17 |
20140201081 | PRESENTING A DOCUMENT TO A REMOTE USER TO OBTAIN AUTHORIZATION FROM THE USER - The present invention is directed to receiving a signature (or other type of verification or confirmation) from a remote user. The present invention enables a merchant to send a signature request over a network to any device having a browser and touch screen or other means for receiving user input. An input area is displayed within the browser on the user's device. When the user inputs a signature (or other form of user input acting as authorization), the signature can be routed over a network back to the merchant to provide authorization for a transaction. Various forms of authentication can be used to verify the identity of the user providing authorization for the transaction. A document can be presented to a remote user in conjunction with a request for authorization input from the user. | 2014-07-17 |
20140201082 | SYSTEMS AND METHODS FOR ENHANCED AUTHORIZATION FRAUD MITIGATION - A consumer uses a web client to transmit purchase information associated with a transaction to a merchant server. The purchase information is transmitted via a web acceleration server. The web acceleration server identifies enhanced authorization data associated with the transaction. The web acceleration server creates a pseudo authorization message. The web acceleration server transmits the pseudo authorization message to a transaction account issuer. The merchant server transmits an authorization request to the transaction account issuer. The transaction account issuer determines that the authorization request and the pseudo authorization message are associated with the same transaction. The transaction account issuer merges the authorization request and the pseudo authorization message and performs a fraud analysis. The transaction account issuer transmits an authorization response to the merchant. | 2014-07-17 |
20140201083 | SYSTEM AND METHOD FOR OFFERING A MULTI-PARTNER DELEGATED PLATFORM - A system and method for offering a delegated platform that includes configuring a partner key of a partner record on a service platform with a partner; creating an account scoped within the partner record; receiving a session authentication request that specifies a partner assertion of a partner authenticated session request of the account; authenticating the session authentication request with the partner key; and rendering an embeddable account portal with a session of the account. | 2014-07-17 |
20140201084 | APPARATUS CONFIGURED TO FACILITATE SECURE FINANCIAL TRANSACTIONS - An aspect provides an apparatus configured to facilitate secure financial transactions. | 2014-07-17 |
20140201085 | METHODS AND SYSTEMS FOR CONTACTLESS PAYMENTS AT A MERCHANT - A coordination server of a contactless payment system may receive a total bill of purchases for a customer from a merchant point-of-sale terminal, associate the total bill of purchases with a unique identifier of an RFID tag of a check presenter, and receive notification that payment of the total bill of purchases is authorized. The coordination server may receive the unique identifier and payment information from a contactless-enabled device, and transmit the payment information and the total bill to the merchant point-of-sale terminal for transmittal to a merchant acquirer for completion of the transaction under business as usual standards. In one embodiment, the coordination server transmits the payment information and the total bill to a merchant acquirer, which then routes the payment request to an appropriate payment network. In another embodiment, the coordination server transmits the payment information and the total bill directly to the appropriate payment network. | 2014-07-17 |
20140201086 | METHOD AND SYSTEM FOR REVERSED NEAR FIELD CONTACT ELECTRONIC TRANSACTION - A system and method for conducting payment transaction using a mobile device equipped with a NFC interrogator, comprising: creating a payer user account in a server and associating a payer mobile device with the payer user account; registering, by the server, a payee NFC identity tag; recording, by the server, a payment transaction and associating the payment transaction record to the payee NFC identity tag; interrogating the payee NFC identity tag by the payer mobile device; transmitting the acquired identifier of the payee NFC identity tag to the server; matching the received identifier to the associated payment transaction record; retrieving and sending to the payer mobile device the matched associated payment transaction information; displaying the payment transaction information in the payer mobile device for user confirmation; transmitting the confirmed information and the payer mobile device identification data to the server to complete the payment transaction. | 2014-07-17 |
20140201087 | TOUCH SCREEN HAVING INTEGRATED EPP, AND INPUT INFORMATION PROCESSING METHOD FOR AUTOMATED TELLER MACHINE USING SAME - The present invention relates to a touch screen having an integrated EPP and an input information processing method for an automated teller machine using the same, and more particularly, to a touch screen provided as user interface in an automated teller machine, wherein the touch screen and an EPP module are formed integrally such that a screen displayed on the touch screen is configured to be controlled by a security CPU of the EPP module integrated with the touch screen when a customer using the automated teller machine inputs information required to be encrypted, such as a password required for a financial transaction, through the touch screen of the automated teller machine during the financial transaction, thereby initially preventing the leakage of important financial information through the illegal hacking of the CPU of the automated teller machine and the like. | 2014-07-17 |
20140201088 | Consumer-Centric Product Tracking System - In one embodiment, a product tracking system may store product and product related information from multiple commerce chain entities, regardless of where the product purchase occurred. The product tracking server | 2014-07-17 |
20140201089 | COMMUNICATIONS SYSTEMS AND METHODS - Various aspects of a method and system for electronics lifetime wear monitoring are provided. Various aspects of a method and system for scheduling various maintenance-related activities based, at least in part, on circuit monitoring are also provided. | 2014-07-17 |
20140201090 | MANAGING AND MONITORING CAR-BATTERY TO EFFECTIVELY AND SAFELY SUPPLY ENERGY TO ELECTRICALLY POWERED VEHICLES - The present invention discloses a battery lease and exchange system for a vehicle owner to make a stop at a battery refueling station where the battery on the car that has already had a low capacity is quickly removed and another battery that is fully charged is installed such that the battery “refueling” process may be executed quickly without being limited by the speed of recharging the batteries. Instead of owning the batteries, the owner or operator of the car may just lease the batteries required to drive the car for certain distance | 2014-07-17 |
20140201091 | Quality Control Audit System and Process - The present invention relates to a quality control audit system and process to an admission and reexamination system for auditing files for individuals entering or living in public or subsidized housing or using a voucher program. | 2014-07-17 |
20140201092 | INTELLECTUAL-PROPERTY ASSEMBLY LINE - A unique system comprises twenty describing formulas, at least one mobile or stationary device, and at least one operation or applicational software downloaded to the at least one mobile or stationary device for operating the at least one mobile or stationary device. Each of the twenty describing formulas is for describing only one aspect of an invention, at the simplest descriptive level. The unique system is for helping a user be able to quickly and easily describe, preserve, and benefit from an invention. | 2014-07-17 |
20140201093 | System and method for real estate spatial data analysis - A system and method for providing analysis on geocoded objects through collection, distribution and use of information through a user interface which allows the user to visualize the analysis through maps, symbols, text, and colors. In the context of commercial real estate, the system and method provides the user with a visual display and printout which allows the user to make decisions as to where retail locations should be located. | 2014-07-17 |
20140201094 | UNAUTHORIZED PRODUCT DETECTION TECHNIQUES - An unauthorized-product detection system may compare data representing various authentication markers of items presumed to have been produced or sourced by a particular entity with stored data representing valid authentication markers of items produced or sourced by the particular entity. The authentication markers may represent inherent physical characteristics of the items or their packaging, or may be generated and applied to the items or their packaging to facilitate counterfeit detection and/or for other purposes. The data (some of which may be encrypted) may be captured using high-resolution cameras, scanners, or other devices, and then communicated to the unauthorized-product detection system for analysis. The system may maintain a data store of data representing captured or valid authentication markers and may store tracking information reflecting the use of various authentication markers. The system may provide various unauthorized product detection services to consumers, retailers, or members of a supply-chain. | 2014-07-17 |
20140201095 | HEALTHCARE ASSURANCE SYSTEM - Systems and methods for healthcare assurance system are provided. A first set of confidential health information for an identified patient may be accessed, may be derived from a first data source, and may include first medical indicia corresponding to an indication of a first health condition and/or an indication of a first healthcare service. A second set of confidential health information may be accessed, may be derived from a second data source, and may include second medical indicia corresponding to an indication of a second health condition and/or an indication of a second healthcare service. Healthcare rules that include criteria indicating comorbidity conditions may be accessed. The first and second sets of confidential health information may be correlated to the healthcare rules. A comorbidity condition may be identified based on the first medical indicia, the second medical indicia, and the correlating. A prompt regarding the comorbidity condition may be provided. | 2014-07-17 |
20140201096 | SOCIAL RECOMMENDATIONS FOR BUSINESS PROCESS PLATFORM - Methods, systems, apparatus, and computer programs encoded on computer storage medium, for integrating business data and social data in execution of a business process, implementations including actions of receiving user input, the user input being associated with a task of the business process and being received during interaction with an application, determining that a social query is triggered, querying business data based on a business query, the business query being generated based on the user input, querying social networking data based on the social query, the social query being generated at least partially based on the user input, receiving business data in response to the business query, receiving social data in response to the social query, and providing at least a portion of the business data and at least a portion of the social data for display to a user that provided the user input. | 2014-07-17 |