30th week of 2012 patent applcation highlights part 56 |
Patent application number | Title | Published |
20120191496 | SYSTEM AND METHOD FOR USE IN A CONDITION-BASED REPAIR PROCESS - A method of determining component repair activities includes providing a computer-based component workscope routing system. The method also includes making a first determination of eligibility of a component for one of a standardized repair workscope that includes a plurality of predetermined standardized repair workscope activities, and an enhanced repair workscope. The enhanced repair workscope includes at least one of a number of enhanced repair workscope activities that is less than a predetermined number of standardized repair workscope activities, and inspection and repair activities that are different in scope from the plurality of standardized repair workscope activities. The method further includes making a second determination of eligibility of the component for the standardized repair workscope or the enhanced repair workscope. | 2012-07-26 |
20120191497 | INTERNAL MANAGEMENT OF CONTACT REQUESTS - Embodiments of the invention provide for systems, devices, apparatus, methods, and computer program products for allowing a first agent associated with an entity to initiate contact with a second agent associated with the entity via a contact entry point. The contact entry point is displayed on an interface page and enables a first agent to contact other agents associated with the entity in a faster, more efficient, and better informed manner. | 2012-07-26 |
20120191498 | DISPATCH MANAGEMENT MODEL - A method is provided and includes detecting a fault condition in a refrigeration system, determining a maintenance cost to correct the fault condition, and determining a monetary value associated with continued operation of the refrigeration system with the fault condition. The method also includes comparing the maintenance cost to the monetary value and determining a level of urgency for correcting the fault condition based on the comparison. The method also includes scheduling maintenance to correct the fault condition based on the level of urgency. | 2012-07-26 |
20120191499 | COMPETENCE BUILDING SYSTEM - Systems and methods for building competence in employees of an organization are described herein. In one implementation, a competence building system includes a deliverable definition module to identify a one or more deliverable slices associated with a work product based on a deliverable definition. The deliverable definition indicates a plurality of tasks that need to be completed for building the deliverable slices. Further, a competence identification module of the competence building system identifies a one or more competencies associated with the deliverable slices. Furthermore, the competence identification module identities a one or more resources to be provided to a one or more employee, wherein the employee possesses a minimum level of competence. | 2012-07-26 |
20120191500 | METHOD AND SYSTEM FOR MANAGING MEETINGS - A method for organizing meeting information, comprising: receiving information about a meeting utilizing a computer; creating a meeting space to represent the meeting, utilizing the computer; integrating known information about the meeting in the meeting space, utilizing the computer; searching for other information about the meeting utilizing the computer; adding any additional information found about the meeting in the meeting space, utilizing the computer; and managing the meeting space utilizing the computer. | 2012-07-26 |
20120191501 | System and Method for Automatically Scheduling Group Appointments - The system and method for automatically scheduling appointments includes obtaining group appointment preference information for an appointment group. The appointment group includes a plurality of users who are members of the appointment group. After obtaining the group appointment preference information scheduling, based on the group appointment preference information, a plurality of concurrent appointments associated with the appointment group including a first appointment and a second appointment and sending invitations to the plurality of appointments to members of the appointment group. Sending the invitations includes: sending, to a first subset of users who are members in the appointment group, invitations to a first appointment at a first appointment time; and sending, to a second subset users who are members in the appointment group, invitations to a second appointment at a second appointment time, where the first appointment time at least partially overlaps the second appointment time. | 2012-07-26 |
20120191502 | System & Method For Analyzing & Predicting Behavior Of An Organization & Personnel - A networked computer system permits users to analyze events associated with a target entity, using primarily externally reported data. By analyzing the target entity's personnel, procedures and reports, embodiments of the invention can assess, present and predict outcomes and timings of submissions processed by the target entity/organization. | 2012-07-26 |
20120191503 | INCIDENT COST MODEL - Embodiments of the present invention provide apparatuses and methods for determining the cost of poor quality of an incident within a business. One way to measure costs associated with an incident is by measuring failed customer interactions (“FCIs”). FCIs are defined as incidents that occur within the business that either directly or indirectly affect a customer's ability to use a product or service offered by the business. In most situations an FCI relates to a failed interaction between the business and the customer through a channel that affected the customer's use of a product or service through the channel. The cost of poor quality application calculates the total cost of an incident through a multifaceted valuation that factors in hard metrics, such as but not limited to actual costs, duration, channel costs, FCI severity, etc. in order to calculate a remediation cost, a channel FCI cost, and a reputation cost. | 2012-07-26 |
20120191504 | USER INTERFACE DISPLAYING COMMUNICATION INFORMATION - A processor aggregates communications data received from one or more data sources via a communications network. The processor associates the aggregated communications data with supplemental data. The associated communications data is correlated based on temporal data, a tag, a query, and/or a command. A graphical user interface (GUI) is formatted based on the correlated communications data. The formatted GUI is provided to a display device. | 2012-07-26 |
20120191505 | PREDICTING DYNAMIC TRANSPORTATION DEMAND WITH MOBILITY DATA - A travel information server estimates travel demand with mobility data. The server identifies activity types of users based, at least in part, on mobility data of the users. The mobility data has been collected over time and indicates at least locations and corresponding times at the locations. Travel information is generated with the mobility data for each of the activity types. The travel information for a first of the activity types is adjusted based, at least in part, on travel-related event data that corresponds to the first activity type to generate an adjusted travel information for the first activity type. The travel-related event data indicates an event that potentially influences travel for a short term. computing an estimated travel demand with a combination of the adjusted travel information for the first activity type and the travel information for at least a second of the activity types. | 2012-07-26 |
20120191506 | FINANCIAL DATA NORMALIZATION SYSTEMS AND METHODS - Systems and methods are described for generating indexed sales data by aggregating point of sale (POS) datasets are aggregated from transactions at a plurality of POS terminals. The POS datasets for each transaction include a transaction amount, a merchant classifier, and a transaction time. An industry subset of the aggregated POS datasets is obtained for a given timeframe based on the merchant classifier. This industry subset comprises transactions for a given industry. A sales value is calculated for the industry subset, and a monthly fluctuation factor is applied to the sales value. Also, a normalization factor is applied to the sales value based on a percentage of the sales value relative to an overall market size to obtain the indexed sales value. | 2012-07-26 |
20120191507 | System for unifying and collaborating new product development activities across a disparate set of users - A Portfolio and Project Management and new product development system is disclosed. In particular, the system in one embodiment includes a user, a user computing device, a client application, an operating system, a network interface, a server, a software-as-a-service (“SaaS”) platform, applications such as contact lists, documents, mail, etc., project management software which contains various views and sub-views, and sets of rules and criteria that interact with the project management software to manage the project management software output. In particular, the system of the present invention provides additional intelligence for customizing project management solutions for environments that use structured development methodologies, such as a stage and checkpoint process. Additionally, the system allows for real-time status updates and consistent reporting structures thereby increasing efficiency and project oversight at higher levels within an organization Furthermore, the system of the present invention allows for simultaneously editing by multiple users. | 2012-07-26 |
20120191508 | System & Method For Predicting Outcome Of An Intellectual Property Rights Proceeding/Challenge - A networked computer system permits users to rate and predict outcomes of hypothetical submissions provided to a target entity. By analyzing the target entity's prior submissions, the strength of a patent can be assessed prior to licensing, enforcement, etc. against a set of prior art references to determine the patent's future robustness. | 2012-07-26 |
20120191509 | SYSTEMS AND METHODS FOR PROCESSING MANAGEMENT DATA AND CONSOLIDATING SOLICITATION E-MAIL - Systems and methods for providing entities in a value chain of a product or service with an integrated management system associated with an integrated database which collects information from and provides information to various entities in the value chain, including providing offers targeted to the entities in the value chain. Systems and methods are also disclosed for providing consumers with a service to consolidate e-mails. | 2012-07-26 |
20120191510 | Music Portal System - Embodiments of system and method are described that may be used for providing an enhanced live music experience to at least one user in real time. In particular, the embodiments comprise at least one electronic device associated with the at least one user, a web portal and a web server associated with the web portal. The web server utilizes Global Positioning System (GPS) data and timestamps to determine location and login time of the at least one user. The web portal allows the at least one user to instantaneously tag the at least one track which is automatically time coded by the web portal. After crosschecking the user's location and time with a concert database, the web server sends a confirmation message including a link of the at least one track tagged to the at least one user. The at least user may access the link in future to preview, purchase and download the at least one track tagged. | 2012-07-26 |
20120191511 | VEHICLE RENTAL MANAGEMENT SYSTEM AND METHOD - A system and method for vehicle rental management generates and displays a park identification (ID) number configurable to change periodically. The method further receives a first message containing a vehicle ID number of a vehicle from a mobile phone, sends a unlock code for unlocking the vehicle to the mobile phone. The method receives a second message containing the vehicle ID number and a park ID number from the mobile phone, and sends a lock signal to the second communication module to lock the vehicle. The method receives a feedback signal for confirming that the vehicle is locked, and times between the send the unlock code step and the receive the feedback signal step. | 2012-07-26 |
20120191512 | LOCATION TAGGING - A method and system for verifying an indoor position using Wireless Local Area Networks (WLAN), access points (AP), and Assisted Global Positioning System (A-GPS). The goal of this method is to determine if a user is in the place where he claims to be by using a mobile device. When a user wants his location to be verified he activates a scanning process on his mobile device that reads all the requested signals (WLAN, A-GPS). When the recording process is complete the information is sent to a server where it is processed and the user location is either confirmed to be true or false. | 2012-07-26 |
20120191513 | Systems and Methods for Multi-Merchant Discount Payments - The present invention relates to systems and methods for discount multi-merchant gift card management. The system includes registering a number of merchants, issuing a card with a unique identifier to a user after receiving a payment of a discounted amount, which is less than full face value of the card such that the user realizes the discount at the time of purchase, and pre-funding an account corresponding to each of the of merchants. The card has purchasing power equal to its face value at any of the registered merchants. The card is then used to make a purchase at a merchant, and the issuer receives a communication of the transaction, which is then processed. The card itself may be any of a smart card, a virtual card, an application on a mobile device, or a physical card. | 2012-07-26 |
20120191514 | SYSTEMS METHODS AND COMPUTER PROGRAM PRODUCTS FOR OPTING INTO MERCHANT ADVERTISING USING MOBILE COMMUNICATION DEVICE - Requesting and distributing electronic advertisements including electronic coupons and sales advertisements. A user of a mobile communication device such as a Smartphone views a current electronic advertisement of a merchant on a screen of the mobile communication device. After viewing the current electronic advertisement, the user wants to opt in to receive more electronic advertisements from the merchant and launches an application on the mobile communication device or accesses a software program. The application or program generates a request to receive additional electronic advertisements from that particular merchant. In response, additional electronic advertisements are provided to the user, e.g., through an intermediate computer and interfaces with a merchant computer or other source of electronic advertisements of the merchant. In this manner, merchant advertisements receive interested and targeted consumers who are able to receive electronic advertisements from a selected merchant without registering or providing personal information to the selected merchant. | 2012-07-26 |
20120191515 | Method For Connecting Consumers For Providing Shopping Advice - Disclosed is a method that facilitates an interaction platform for exchanges of user-to-user advice which has the steps of providing a network; providing a host computer system where the host computer is connected to the network and the host computer provides an interaction platform for one or more advice provider to provide advice regarding one or more products to one or more advice receivers and the advice is provided to the advice receiver via the interaction platform where the host computer further provides a database storing one or more attributes of the advice provider and one or more attributes of the advice receiver. | 2012-07-26 |
20120191516 | DISTRIBUTED APPARATUS AND SYSTEM FOR PROCESSING CLIENT REFERRALS AND REFERRAL FEES - An apparatus configured with software to create a geographical distributed referral system, assign a monetary value to referrals and to efficiently process direct cash payments to the referral source without requiring that of the referral source have knowledge about a particular provider of goods and services which will fulfill the referral. | 2012-07-26 |
20120191517 | PREPAID VIRTUAL CARD - A method for issuing a virtual financial instrument is disclosed, the method comprising receiving user identification information, receiving balance information, generating a financial instrument having a balance indicated by the balance information for a user indicated by the identification information, and providing a notification to the user that the financial instrument has been generated. | 2012-07-26 |
20120191518 | Apparatus And Method For Anonymously Presenting Targeted Advertisements And Desirable Media Content In Association With A Virtual Currency - An electronic advertising system anonymously directs the attention of a user to content provided by an advertiser, in exchange for subsequently permitting the same user to access otherwise restricted desirable content of another part. Such desirable content may include online entertainment media, digital video content, social media, news media, and other privileged services or data. The user accumulates points, or virtual currency, in exchange for viewing the advertisements of vendor affiliates of the present system. The user may then spend previously accumulated points, or virtual currency, in order to access desirable content of redeemer affiliates of the present system. The present system further facilitates financial transactions between the system operator, vendor affiliates, and redeemer affiliates, relative to the movement of virtual currency amongst the various parties. | 2012-07-26 |
20120191519 | BILLING STATEMENT CUSTOMER ACQUISITION SYSTEM - Some described embodiments provide for selecting (e.g., by a server computer from a plurality of transaction records), a transaction record associated with a financial account of an account holder. In one example, the transaction record includes an indication of an amount due, by the account holder, for a previous purchase completed by the account holder with a first merchant. Some embodiments provide further for generating a billing statement for the account holder, the billing statement including an indication of the amount due by the account holder for the previous completed purchase and an indication of an acquisition offer, in which the acquisition offer comprises a promise from a second merchant to pay at least a portion of the amount due by the account holder, and transmitting the billing statement to the account holder. | 2012-07-26 |
20120191520 | SYSTEM TO SOLICIT FEEDBACK - Products and processes are provided in which information an entity is offered a posting award to provide feedback information. In response to receiving feedback information, the posting award is provided to the entity. | 2012-07-26 |
20120191521 | INTELLIGENT ELECTRONIC SHOPPING SYSTEM - A method for preventing unintended discounts and frauds in an intelligent electronic shopping system includes providing a user with a first discount, a second discount, and a third discount from a service provider and storing rules in a promotion rule module, wherein the rules define that the first discount is combinable with the second discount or the third discount and that the second discount and the third discount are not combinable with each other. A first price for the order is computed based on the combination of the first discount and the second discount. A second price for the order is computed based on the combination of the first discount and the third discount. The user selects the first price or the second price to pay for the order. | 2012-07-26 |
20120191522 | Systems and Methods to Implement Point of Sale (POS) Terminals, Process Orders and Manage Order Fulfillment - Systems and methods to integrate point of sale processing, online order processing, coupon management, WiFi access management, and supply chain and store management, etc. In one aspect, a central server provides point of sale, coupon management and other functions via browser based interfaces. The system provides a coupon to a customer to offer discounts to friends of the customer and/or rewards to the customer if the friends of the customer use the coupon. The system validates the coupon when the coupon is used at POS terminals of the system and tracks the usage of the coupons to select customers for targeting future coupons. In another aspect, the central server is configured to provide the customer with WiFi access at the retail location where the order of the customer is fulfilled and further configured to automatically log the customer into an account of the customer hosted on a third party server. | 2012-07-26 |
20120191523 | System for Online Sales With Automatic Rebate and Coupon Redemption - An online sales/automatic rebate and coupon redemption system provides online customers automatic retrieval and redemption of all applicable rebates and coupons during purchase. Purchase orders from customers are selectively fulfilled and products are shipped to the customers either by the system for online sales with automatic rebate and coupon redemption or by other merchant or manufacturer environments. The system purchases from merchants using applicable coupons and rebates and then sells the products to the customers, passing the savings to them. The system makes it possible to automatically retrieve coupons and rebates for items in a shopping cart during the activity of an online purchase at an electronic mall or an online merchant site. The system provides coupons to potential customers via email, based on customer profile, geographical information, etc. Manufacturers and merchants can update coupon value and content based on ongoing sales and volume of customer activity. | 2012-07-26 |
20120191524 | Electric Vehicle Charging Transaction Interface for Managing Electric Vehicle Charging Transactions - According to one embodiment of the present invention, a computer manages an electric vehicle charging transaction. A set of principals is identified associated with the charging transaction for an electric vehicle. A principal is an entity having an interest in the charging transaction. Electric vehicle charging information is retrieved from a set of sources. An energy transaction plan is generated during a pre-charge phase using the electric vehicle charging information and based on preferences of one or more principals to govern the charging transaction. The computer initiates a charging phase of the charging transaction for an electric vehicle connected to a charging station according to the energy transaction plan. The charging phase comprises charging the electric vehicle with electricity, storing electricity in the electric vehicle, and removing electricity to de-charge the electric vehicle. The computer settles financial obligations among principals according to the energy transaction plan. | 2012-07-26 |
20120191525 | Systems and Methods to Facilitate Loyalty Reward Transactions - A communications system for financial transactions, such as payment transactions made via credit accounts, debit accounts, prepaid accounts, bank accounts, stored value accounts and the like, is enhanced and/or used to support reward transactions. Thus, the reward communications can be processed as transactions over the communications system in a way similar to and/or together with credit/debit transactions. | 2012-07-26 |
20120191526 | BILLING STATEMENT CUSTOMER ACQUISITION SYSTEM - Some described embodiments provide for selecting (e.g., by a server computer from a plurality of transaction records), a transaction record associated with a financial account of an account holder. In one example, the transaction record includes an indication of an amount due, by the account holder, for a previous purchase completed by the account holder with a first merchant. Some embodiments provide further for generating a billing statement for the account holder, the billing statement including an indication of the amount due by the account holder for the previous completed purchase and an indication of an acquisition offer, in which the acquisition offer comprises a promise from a second merchant to pay at least a portion of the amount due by the account holder, and transmitting the billing statement to the account holder. | 2012-07-26 |
20120191527 | PREDICTIVE ANALYSIS OF DATA - Disclosed are methods, computer program products, systems, and devices, including a method, performed by execution of computer readable program code on one or more processing-based devices, that includes receiving data relating to past customer activities by at least one customer, receiving data relating to future events available to a plurality of customers, and determining data relating to promotion of opportunities corresponding to the future events to be presented to the at least one customer based on the data relating to the past customer activities by the at least one customer and on the data relating to the future events available to the plurality of customers. | 2012-07-26 |
20120191528 | PRICING AND PAYMENT ALLOCATION AMONG ONLINE ADVERTISING PARTIES - Methods and systems are provided, in an online advertising marketplace including publishers, advertisers and data providers, for allocating or partitioning, or automatically allocating or partitioning, advertiser payment, in connection with a purchase of advertising inventory, between a publisher and one or more data providers. Techniques are provided that seek to efficiently and fairly allocate the payment between the parties, taking into account value provided, such as by utilizing Shapley values. Provided techniques may also include efficiently or optimally integrating, facilitating, selecting or automating connections or arrangements between parties within the marketplace. | 2012-07-26 |
20120191529 | METHODS AND SYSTEMS FOR A PREDICTIVE ADVERTISING TOOL - Systems, methods and articles of manufacture for a computerized advertising analysis tool for identifying and/or predicting the effect of future external events on the viewership and effectiveness of an advertising campaign. The system access and analyzes data regarding past events and viewership data to determine the past effect on viewership. The system then accesses analyzes future events to predict and estimate the effect of the future events on the advertising campaign based on the analysis of past events and viewership data. An advertiser may then use this information to evaluate the advertising campaign, allowing the advertiser to modify or negotiate the proper pricing for the advertising campaign. | 2012-07-26 |
20120191530 | INTEGRATION OF MULTIPLE CONSUMER COMMUNICATIONS - A system, computer program product and method described herein may be used to determine an effective medium by which to deliver promotions. For example, the method may include delivering a promotion to a customer, and determining a status of the delivered promotion. The promotion may be delivered through an electronic or hard delivery medium, and the status of the delivered promotion may be determined based on electronic feedback from the customer or based on predetermined status criteria assigned to the promotion. An effective medium by which to deliver subsequent promotions may be determined based on the status of the delivered promotion. Subsequent promotions may be delivered using the determined effective delivery medium. | 2012-07-26 |
20120191531 | SELECTING ADVERTISEMENTS FOR PLACEMENT ON RELATED WEB PAGES - Systems and methods are described that select advertisements for placement on a series of consecutively-accessed web pages, such as consecutively-accessed web search results pages generated in response to a particular search. The systems and methods perform a separate advertisement ranking process to select advertisements for placement on each web page in the series of consecutively-accessed web pages at the time the web page is accessed. For web pages that follow the first web page in the series, the systems and methods utilize an advertisement ranking technique that calculates a probability that a user will select an advertisement based on certain user selection feedback features. The user selection feedback features for an advertisement are determined by comparing attributes of the advertisement to attributes of user-selectable items that were presented on one or more of the previously-accessed web pages in the series that are known to have been selected or not selected by the user. | 2012-07-26 |
20120191532 | METHOD AND APPARATUS FOR PROVIDING ADVERTISEMENT SERVICE - A method and apparatus for providing an advertisement service are provided. The method includes receiving advertisement content; detecting use of the received advertisement content; recording information containing an advertisement content use history when detecting the use of the advertisement content; and transmitting the information containing the advertisement content use history to an advertisement service server. | 2012-07-26 |
20120191533 | SALES CHANNEL MANAGEMENT INFRASTRUCTURE - A sales system supports sales between a plurality of buyers and a plurality of sellers in a communication network. A sales server has a seller interface used by both a first seller and a second seller respectively via a first seller's computer and a second seller's computer to register availability for sale of a first product and a second product. The sales server, based upon received buyer input from an identified buyer via a buyer computer that includes buyer orders for the first product and the second product dispenses a first sales order to the first seller's computer for the first product and a second sales order to the second seller's computer for the second product. The sales server provides instructions to the first seller's computer for fulfillment of the first sales order and to the second sales computer for the fulfillment of the second sales order. | 2012-07-26 |
20120191534 | LOYALTY ANALYTICS SYSTEMS AND METHODS - The invention provides the ability to evaluate transaction activity of customers following the redemption of a promotion, such as the redemption of a prepaid instrument, coupon, or the like. For example, the subsequent activity could be where customers shopped after redeeming a coupon. Examples of such reports that could be generated include the percentage of redeemers who returned to the same merchant or who went elsewhere. In some cases, customers could do both, or neither and the reports could indicate such activity. Further reports could show the amount spent for each return visit (both for those who return and go elsewhere), as well as the percentage who shop only with the merchant, and nowhere else. | 2012-07-26 |
20120191535 | SYSTEM AND METHOD FOR TRACKING COMMERCIAL ACTIVITY - A method tracking commercial activity including receiving a tangible insert from an advertising party bearing a unique code, storing recipient information including name and mailing address for a recipient in a computer memory, applying the mailing address for the recipient to a mailing host, determining and storing the unique code in association with at least some recipient information corresponding to the mailing address that was applied to the mailing host, physically inserting the insert with the unique code into the mailing host, delivering the mailing host for further delivery to the recipient, receiving insert use information generated by use of the insert subsequent to delivery to the recipient, storing a log file including the insert use information and the recipient information in the computer memory, and transmitting the log file to at least one third party, wherein the third party is separate from the advertising party providing the insert. | 2012-07-26 |
20120191536 | RECOMMENDATIONS BASED ON REAL-TIME USAGE INFORMATION - A method including receiving a request for a service or an application from a user device associated with a customer; determining a type of service or a type of application; providing the service or the application; performing real-time tracking of the customer's usage of the service or the application based on the type of service or the type of application; generating one or more recommendations pertaining to the service or the application based on the real-time tracking; and sending the one or more recommendations to the customer via the user device. | 2012-07-26 |
20120191537 | ADVERTISING PROXIMITY ROUTE SELECTION - A request for route information to a destination is received by a route processing module. Available routes to the destination are determined in response to receiving the request. It is determined, for at least one available route to the destination, whether the available route provides proximity to at least one targeted advertisement. At least one available route to the destination is provided upon determining that the available route provides the proximity to the targeted advertisement. | 2012-07-26 |
20120191538 | PROMOTION SYSTEM SUPPORTING UP AND CROSS SELL - An online sales/automatic rebate and coupon redemption system provides online customers automatic retrieval and redemption of all applicable rebates and coupons during purchase. Purchase orders from customers are selectively fulfilled and products are shipped to the customers either by the system for online sales with automatic rebate and coupon redemption or by other merchant or manufacturer environments. The system purchases from merchants using applicable coupons and rebates and then sells the products to the customers, passing the savings to them. The system makes it possible to automatically retrieve coupons and rebates for items in a shopping cart during the activity of an online purchase at an electronic mall or an online merchant site. The system provides coupons to potential customers via email, based on customer profile, geographical information, etc. Manufacturers and merchants can update coupon value and content based on ongoing sales and volume of customer activity. | 2012-07-26 |
20120191539 | CATEGORY SIMILARITIES - Methods, systems, and apparatus for determining similarity measures between vertical categories based on users' online activities. The similarity measures are symmetric similarity measures based on both a similarity measure of a first vertical category relative to a second vertical category and a similarity measure of the second vertical category relative to the first vertical category. | 2012-07-26 |
20120191540 | AUTOMATIC APPLICATION OF TARGETED ADVERTISING IN DATASETS - Embodiments are directed to the providing an advertising model for delivering advertisements with data sets and to streaming data sets that include targeted advertising. In an embodiment, an instantiated advertising model receives from a user a query for data. The advertising model is communicatively connected to a data store that includes multiple data sets. The query requests data from one or more of the data sets. The advertising model determines which data sets are to be retrieved based on the query. The advertising model adds targeted advertisements to the determined data sets and sends the determined data sets along with the targeted advertisements to the user. | 2012-07-26 |
20120191541 | INVENTORY ALLOCATION FOR ADVERTISING WITH CHANGEABLE SUPPLY LANDSCAPE - An advertisement impression distribution system is programmed to generate an allocation plan for serving a number of advertisement impressions changeable as a result of one or more events, the allocation plan to allocate a first portion of advertisement impressions to satisfy guaranteed demand and a second portion of advertisement impressions to satisfy non-guaranteed demand. The system includes an optimizer programmed to establish a relationship between the first portion of advertisement impressions and the second portion of advertisement impressions, the relationship defining a range of possible proportions of allocation of the first portion of advertisement impressions and the second portion of advertisement impressions; and to impose at least one objective on the relationship including moderating an increase in the number of advertisement impressions available for allocation to the first and second portions, to minimize a cost associated with reducing a quality of the advertisement impressions as their volume increases. The system outputs the allocation plan to an ad serving module to control serving of the advertisement impressions according to the range of possible proportions of allocation between the first and the second portions. | 2012-07-26 |
20120191542 | Method, Apparatuses and Service for Searching - A method, devices, computer program products and systems for searching information are disclosed, where a search criterion based on input by a user and search criterion based on information on user attention are used in forming search results. The attention information is formed by gaze tracking or by following the user attention in another way, e.g. by EEG measurements. | 2012-07-26 |
20120191543 | Generation and Viral Distribution of Geo-Location Specific Content on Mobile Handheld Display Devices Via the Internet and Social Media - Relevant dynamic interactive advertisements and alternate content are presented to users for viewing on wireless mobile handheld display devices (MHDDs) via mobile applications and browsers. Compiled location- and store-specific, customized dynamic and interactive advertisements are delivered as a mobile display advertisements or adsites to each user. The user receives a rolling advertisement with an adsite per side of the roller. Upon user interaction with any adsite, a compiled microsite of components of the adsite and dynamic components is displayed on the display screen for response and feedback by the user. The adsite is saved and shared as a link over the Internet and via social media. Any new user, receiving and activating the link, is connected to an ad serving unit and is provided with a user- and location-specific adsite. | 2012-07-26 |
20120191544 | ARCHIVING AND RETRIEVING DATA RELATED TO A USER GOAL - A method and computer program product for archiving and retrieving data related to a users goals are described. Embodiments include receiving information related to the users goal, displaying a visual affirmation of the user's goal, receiving symbolualgraphic data, storing user data that includes the received information, the visual affirmation, and the symbolualgraphic data, for further action, and displaying a resource related to archiving the user's goal. | 2012-07-26 |
20120191545 | SYSTEMS AND METHODS FOR MANAGING A PROFILE OF A USER - Systems and methods of managing a profile of a user of at least one device having access to electronic content. The systems and methods may involve receiving a user identifier for a user of at least one device configured to access electronic content; storing a profile of the user in a memory, where the profile of the user comprises the user identifier; if a user activity meets at least one event definition, identifying the user activity as an event; receiving data associated with the event; and recording at least a portion of the data associated with the event in the profile of the user. | 2012-07-26 |
20120191546 | Email Strategy Templates System and Method - An email message system with email strategy templates for use on a network is disclosed. A subscriber profile record includes an email address, a demographic, and status information for that subscriber's actions with prior emails or other events. Templates are provided with a predefined segment of the profile data that defines an initial audience for the marketing campaign, a first and second template with default title and content and a sending rule setting a delay between emails based on the first and the second templates. User input, profile data, and templates create a rule for sending messages to subscribers with particular status information for that subscriber's actions with prior emails. An email campaign manager sends a personalized message to at least one selected subscriber over the network based on the rule whereby, the selected subscriber receives the message as a result of having particular status for actions with prior emails. | 2012-07-26 |
20120191547 | DYNAMIC VALUE ADVERTISING - A system for generating advertisements is provided. The system includes an advertisement server, advertisement storage, and user activity storage. The advertisement server receives a request for an advertisement. The advertisement storage is in communication with the advertisement server. The advertisement storage includes a format for the advertisement and a pre-defined formula for calculating a value for the advertisement. The user activity storage is in communication with the advertisement server. The advertisement server calculates the value for the advertisement based on the formula and user data from the user activity storage. | 2012-07-26 |
20120191548 | ADVERTISING CONTENT DELIVERY - Programming media and advertising media may be presented in a manner that approximates or equals a target ratio. In one implementation, a total temporal length of one or more programming media segments is accessed after the user has selected the programming media segments. One or more advertising media segments are then selected. The advertising media segments have a total length that is based on the total temporal length of the programming media segments and a target temporal ratio between programming media and advertising media. The client system may present the one or more selected advertising media segments. | 2012-07-26 |
20120191549 | Internet Based System For Managing A Network of Electronic Advertising Billboards Through A Wireless Telecommunications System - A computer system manages a network of electronic advertising billboards through a wireless telecommunications system. The electronic billboard management system is comprised of a web-site supported by a global computer network. This web-site communicates with the network of electronic billboards via wireless telecommunications. | 2012-07-26 |
20120191550 | Computer Readable Medium, File Server, and Method for Providing Outcome-Based Mapping - A computer readable medium, a file server, and a method for outcome-based. mapping provide a marketing blueprint for aligning marketing activities to quantifiable business outcomes. In one form, the computer readable medium includes instructions that, when executed by a processor, cause the processor to generate a graphical user interface including text, a plurality of user-selectable options, and text input fields. The graphical user interface prompts a user through a process of defining a business outcome-based marketing program. The instructions, when executed, also cause the processor to receive user input corresponding to the graphical user interface defining quantifiable business outcomes and associated marketing tasks, and to map the associated marketing tasks to the quantifiable business outcomes to produce a marketing blueprint. | 2012-07-26 |
20120191551 | MULTI-SYSTEM DISTRIBUTED PROCESSING OF DELIVERY AND/OR REFERRAL INFORMATION FOR ORDERS - Various systems and methods that may relate to referral and/or delivery services are described. Some embodiments may include syndicating service providers for orders to a plurality of providers, in store delivery options, mobile device ordering, price arbitrage and/or other elements. Various other embodiments are described. | 2012-07-26 |
20120191552 | MERCHANT INTERACTION AND TRIAL PERIODS - Disclosure includes selecting a merchant from a plurality of merchants, enabling a trial mode for the merchant, during the trial mode, receiving an indication of a first order for the merchant, forwarding the indication of the first order to the merchant, allocating a first payment for the first order to the merchant, requesting an acceptance of a membership status from the merchant, and receiving an indication of the payment for the first order. | 2012-07-26 |
20120191553 | POINT OF SALE PAYMENT SYSTEM - A method for point of sale payments includes receiving, from a seller device over a network, payment information. The payment information is associated with payment code information in a database. The payment code information is then sent to the seller device over the network for posting at a service location. The payment code information is then captured by a payer device at the service location and transmitted over the network. The payment information is then retrieved from the database using the associated payment code information. The payment information is then sent to the payer device over the network. A payment confirmation is received from the payer device over the network and, in response, a payment from a payer account to a seller account is initiated and the payment information and an indication of the payment confirmation is sent to the seller device over the network. | 2012-07-26 |
20120191554 | FOOTCARE PRODUCT DISPENSING KIOSK - A kiosk apparatus that may select for a person a recommended footcare product based on pressure measurements collected from pressures sensors or calculated biomechanical data estimates. Pressure measurements and calculated biomechanical data estimates may be used to determine if a foot is unshod on the pressure sensor and also group a person into a classified subgroup. The pressure measurement and calculated biomechanical data estimates may also be used to select a recommended footcare product. | 2012-07-26 |
20120191555 | 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. | 2012-07-26 |
20120191556 | SYSTEMS AND METHODS FOR VIRTUAL MOBILE TRANSACTION - Disclosed is a computer based method including receiving a request, by a virtual mobile transaction computer, from a user device or from an application running on the user device. The user and the user device are verified and authenticated based on one or more parameters. A transaction account is determined, where the transaction account is associated with the user. A barcode is sent to the user device and the barcode is used to initiate a payment for a purchase transaction associated with the request. | 2012-07-26 |
20120191557 | PAYING FOR A BANKING TRANSACTION USING A MOBILE COMMUNICATION DEVICE AND NFC STICKER - A method for scheduling a banking transaction using a mobile communication device. The method includes creating a task on the mobile communication device to perform a banking transaction while the mobile communication device has no network connectivity, the mobile communication device actively monitoring for an available network to access. In response to identifying an available network to access, the mobile communication device automatically connects to the available network and uploads the task to a server to complete the banking transaction. | 2012-07-26 |
20120191558 | Online bidding for waste removal - Online bidding for waste removal includes receiving an online request for waste removal from a user. The online request for waste removal comprises a schedule for waste removal and an address identifying a location for the waste removal. In response to the online request, a notification is sent to at least one vendor that an online request is pending. The method includes receiving at least one bid to remove waste. The at least one bid is in response to the online request for waste removal and includes a price. The method also includes presenting a particular bid associated with a particular vendor to the user and providing a time period for the particular bid to be accepted. | 2012-07-26 |
20120191559 | AUCTION SHARING NETWORK - One example embodiment includes a system for sharing auctions. The system includes a database. The database is configured to connect to a first auction portal and a second auction portal. The database is also configured to contain auction data from the first auction portal and the second auction portal. The system also includes a configuration system. The configuration system is configured to allow the first auction portal to determine which auctions from the second auction portal are displayed on the first auction portal. The configuration system is also configured to allow the second auction portal to determine which auctions from the first auction portal are displayed on the second auction portal. | 2012-07-26 |
20120191560 | Auction-Based Application Launching - Methods and systems for providing applications are provided. A method for providing applications may include determining a ranking for each of a plurality of applications based on an auction value of each corresponding application. In some cases, auction values may be determined by application provider bids. The method may also include determining a ranked placement of the applications based on the application rankings. The method may further include displaying the ranked placement according to a first user selection associated with the applications. The method may then include launching a selected application of the ranked placement in response to a second user selection. A system for providing applications may include an application ranker, an application placer and an application launcher. | 2012-07-26 |
20120191561 | COMPUTER IMPLEMENTED METHODS FOR PROVIDING OPTIONS ON PRODUCTS - A computer-implemented system and method to provide options on products to enhance customers' experience. A computer-implemented system is operated that delivers to a customer an option to utilize up to n of m selected products, where n is less than or equal to m. Information is recorded in a data store, pertaining to said option. In addition, a system is operated to define each of the n chosen products, whereby after each of the n chosen products is defined, the customer can utilize said chosen product. The information pertaining to said defined products is recorded in a data store. | 2012-07-26 |
20120191562 | Kiosk For Recycling Electronic Devices - A recycling kiosk for recycling and financial remuneration for submission of an electronic device such as a mobile phone is disclosed herein. The recycling kiosk includes electrical connectors and an inspection area with an upper chamber, a lower chamber, a transparent plate and at least one camera in order to perform a visual analysis and an electrical analysis of the electronic device for determination of a value of the electronic device. The recycling kiosk also includes a processor and a display for user interaction. | 2012-07-26 |
20120191563 | NETWORK DATA EXCHANGE METHOD AND NETWORK SERVER - An exemplary network data exchange method includes the steps of: receiving a commodity browsing request containing a requester network address from a network; finding out a camera corresponding to the commodity browsing request; obtaining a control right or an access right of the camera; using the camera to capture the commodity according to a received camera operating request and obtaining videos or images of the commodity; and sending the videos or the images to the requester network address by the network. A network server is also provided in the present disclosure. The present disclosure may effectively improve the operation efficiency of an online shopping system as well as the efficiency and the accuracy of online shopping by utilizing the online shopping system by users, and promotes the consumption. | 2012-07-26 |
20120191564 | System And Method For Anonymously Matching Products Or Services With A Consumer - A system and method for anonymously matching products or services with a consumer, based on the consumer's true consumption behaviour. Each consumer is represented by a unique true behaviour derived consumption profile, and a private repository of such true consumption profiles is provided where each profile is anonymous. A repository of consumption objects such as vendors' products and services is also provided. The system correlates parameters of the consumer's true consumption profile with parameters of the consumption object's profiles to find the best matches and presents the consumer's with a list of best to worst matches for a desired products. At all time the consumer's true identity remains confidential, alleviating the privacy concerns of a lot a consumers. | 2012-07-26 |
20120191565 | SYSTEMS METHODS AND COMPUTER PROGRAM PRODUCTS FOR DIRECTING CONSUMER FROM DIGITAL RECEIPT TO SOURCE OF SPECIFIC ITEM FOR REPEAT ITEM PURCHASE - Systems, computer-implemented methods and computer program products for directing a consumer to a source offering for sale a specific item previously purchased by the consumer. Electronic receipt data generated for a consumer purchase of a specifically identified item is generated by a merchant transaction processing device, and an electronic representation of a receipt is generated based on that data. The electronic representation identifies the specific item and includes an input element or button that can be selected, clicked on, executed or activated by a consumer to allow the consumer to be directed to a website of a merchant who offers the same item for sale and from which the consumer can buy the same item again. | 2012-07-26 |
20120191566 | PRODUCT INFORMATION, VENDOR REFERRAL, AND PURCHASE BASED ON SCANNED INDICIA - A method for providing vendor information to a consumer includes scanning, by a mobile device, an indicia to retrieve a product identifier, sending, by the mobile device, a first message including a location of the mobile device and the product identifier to a computer server remote from the mobile device, determining, by the computer server, a vendor from a list of vendors that supply a product associated with the product identifier and whose location corresponds with the location of the mobile device in response to the first message, and sending, by the computer server, a second message including vendor information of the determined vendor to the mobile device. | 2012-07-26 |
20120191567 | EXPRESS PURCHASE SYSTEMS AND METHODS - Techniques for single-action transactions initiated by a mobile device are described. Example embodiments provide a mobile marketplace system (“MMS”) configured to provide a marketplace for items that is accessible via mobile devices. The MMS facilitates single-action transactions (e.g., single click, single selection) for electronic goods, such as ringtones, music, videos, or the like. In some embodiments, single-action transactions are facilitated without requiring one or more of account pre-registration (e.g., setup of an account with username, credit card, or the like), account login (e.g., username/password), a separate credit card account, or a shopping cart. | 2012-07-26 |
20120191568 | DRAG AND DROP PURCHASING BIN - Methods and systems are provided that facilitate a consumer's making purchases directly from online websites to a bin on a consumer device by dragging and dropping the desired item from the online site to the bin. A user or consumer may install a plug-in, extension, or app for the bin onto the user device. The user bin may include certain properties, such as user ID (e.g., email address), password, pre-authorization conditions (e.g., maximum purchase amount per transaction), and shipping address. Once installed, the user may see a representation of the bin on the user device, or on another device such as a television screen or shopping kiosk display. A merchant online site may be adapted to enable the merchant site to interface to the bin, for example, using an application programming interface (API) or web scraping, to retrieve specific information from the merchant site. | 2012-07-26 |
20120191569 | AUTOMATIC DETECTION AND USE OF MOBILE PAYMENT APPLICATIONS - In one embodiment, a method for making an payment from a buyer to an online seller includes providing the buyer with a mobile payment application that is operable when run on one or more processors of a mobile device of the buyer to effect payments to the seller using a payment service provider. The seller is provided with computer code that is operable when run on one or more processors of a web server of the seller to detect whether a mobile device of a buyer in communication with the server has the payment application installed thereon, and if the server detects that the buyer's device has the application installed thereon, the seller's server automatically redirects the buyer to a web server of the payment service provider to effect a payment from the buyer to the seller using the mobile payment application. | 2012-07-26 |
20120191570 | SALES CHANNEL MANAGEMENT INFRASTRUCTURE - A sales system supports sales between a plurality of buyers and a plurality of sellers in a communication network. A sales server has a seller interface used by both a first seller and a second seller respectively via a first seller's computer and a second seller's computer to register availability for sale of a first product and a second product. The sales server, based upon received buyer input from an identified buyer via a buyer computer that includes buyer orders for the first product and the second product dispenses a first sales order to the first seller's computer for the first product and a second sales order to the second seller's computer for the second product. The sales server provides instructions to the first seller's computer for fulfillment of the first sales order and to the second sales computer for the fulfillment of the second sales order. | 2012-07-26 |
20120191571 | METHOD AND SYSTEM FOR OFFERING AND MANAGING AN EXCHANGING OF PROPERTY - A computer system for offering property for exchange over a computer network includes a master database for storage of information pertaining to the property that is located on at least one master server which can be accessed by an exchangee, e.g. through a browser. The system further includes local agent databases which store information pertaining to property offered for exchange by a particular exchanger. An agent server accesses the master server so as to transfer information stored on an agent database to the master database. The computer system also includes an exchange management program adapted to record information relating to the stages of exchange of property between the exchanger and the exchangees, wherein the exchangees access the master server and request particular information from the master database pertaining to the property. | 2012-07-26 |
20120191572 | SYSTEM AND METHOD FOR TRANSACTION AUTOMATION - A system and method provides a user of a network-based commerce system drag and drop functionality that allows a user to purchase goods from a network-based transaction system through the use of links and images. | 2012-07-26 |
20120191573 | MACHINE, METHODS, AND PROGRAM PRODUCT FOR ELECTRONIC ORDER ENTRY - Systems, methods, and program product for facilitating electronic ordering of goods, services, or goods and services, or other products, through messaging over a financial services electronic payment network, are provided. A customer provides electronic order registration activation information for an electronic order transaction card. The customer is provided an electronic order card having a unique electronic payment network compatible electronic order card identifier including a non-financial transaction IIN and a customer number, and is provided a catalogue or list including product order codes each associated with a different product, to enable electronic ordering over the financial services electronic payment network. An electronic order card configured to interface with a conventional point-of-sale terminal can be used to facilitate the electronic ordering over the existing financial services electronic payment network when presented to the point-of-sale terminal with a product order code identifying a selected product. | 2012-07-26 |
20120191574 | MULTI-DEVICE DISTRIBUTED PROCESSING OF ORDERS FROM A REFERRAL SERVICE - Method and apparatus regarding referral services are described. Further embodiments are described. | 2012-07-26 |
20120191575 | Methods and System for Enabling Communication of Identity Information During Online Transaction - Methods and system for enabling communication of identity information for an online transaction includes detecting a request to enter the identity information. In response, a first and a second image with a detectable trait are identified for displaying on a receiver device. A first and second delta-based analyzers are executed to monitor changes of the first and the second images. The changes of the images are combined. The changes of the images are adjustable to respective first and second display settings. The combined changes of the images are transmitted to a receiver device for display. A query regarding the detectable trait is transmitted to the receiver device and a response from a user is received. User input of the identity information is enabled at the receiver device when the response to the query is determined to be successful. | 2012-07-26 |
20120191576 | PAYMENT SERVICE CAPABLE OF BEING INTEGRATED WITH MERCHANT SITES - A computer-implemented service integrates with merchant sites to enable registered users of the service to perform purchase transactions on the merchant sites. In one embodiment, a merchant can incorporate a reference to a display object served by the service into coding of a page of the merchant's site. When the page is loaded by a user's browser, the reference causes the browser to request the display object from the service for display on the page. If the user is recognized by the service, the service may return a personalized display object that includes functionality for the user to perform a purchase transaction using the service. Also disclosed are embodiments that enable users to initiate transfers of personal account information to the merchant sites. | 2012-07-26 |
20120191577 | Retail Website User Interface - In one embodiment, a web page presented to a user includes a header section that substantially spans the top of the web page and provides a menu of selectable options as well as a search input box. A product display region may be presented below the header and display images and information about a selected product. A product carousel may be presented below the product display region and show information about other products in a horizontally scrollable list. Two columns of various types of product review information provided by sources such as professional reviewers, existing owners, and the user's friends may be displayed below the product carousel. A sortable and filterable grid of products may be displayed below the review information such that the user's attention is drawn to the variety of products available for purchase. | 2012-07-26 |
20120191578 | STORAGE BATTERY MANAGING SYSTEM, AND RECYCLE EQUIPMENT AND MANAGEMENT SERVER TO BE APPLIED THEREIN - In a system including a storage battery, primary use side equipment for using the battery, a management server for managing and/or reserving condition of use and histories, etc., in primary use of the storage battery, and re-use side equipment for re-using the storage battery, a condition of use when the storage battery is primarily used, and/or history thereof, etc., are recorded in the management server, and the re-use side equipment obtains the use condition and/or the histories, etc., from the management server when re-using, to notify it to a user, and thereby enabling to confirm fluctuations of performances or capacities of the storage battery, which is generated depending on the use condition when it is used primarily, when re-using the storage battery. | 2012-07-26 |
20120191579 | Selective Processing of Reverse Invoices in Computer Systems for Financial Transactions - According to one embodiment of the present invention, a system manages financial records, and comprises a computer system including at least one processor. The system generates an electronic invoice representing a financial transaction to rectify financial records adjusted in accordance with a prior processed invoice. The generated electronic invoice is selectively stored for subsequent verification without adjustment of the financial records. The stored electronic invoice is processed to rectify the financial records in accordance with the represented financial transaction in response to verification of the stored electronic invoice. Embodiments of the present invention further include a method and computer program product for managing financial records within a computerized financial system in substantially the same manner described above. | 2012-07-26 |
20120191580 | METHODS SYSTEMS AND COMPUTER PROGRAM PRODUCTS FOR GENERATING FINANCIAL STATEMENT COMPLYING WITH ACCOUNTING STANDARD - Requirements, principles or guidelines of an accounting standard such as Generally Accepted Accounting Principles (GAAP) are transformed or codified into rules that specify how form, content and/or style of a certain portion of a financial statement, such as a header, should be configured while complying with the accounting standard. A rule engine compares attributes related to a financial statement and rules to determine which rule applies, and a selected rule specifies a header configuration. Relevant data received or retrieved from a source is used to generate or populate the header such that the header is automatically generated while complying with the accounting standard. | 2012-07-26 |
20120191581 | Revenue Assurance Analytics - A system and method of revenue assurance for a service activity are presented. Multiple data feeds are received by a revenue assurance analytic system, where each data feed contains the same logical component of the service activity. The multiple data feeds are processed to detect revenue assurance issues in the service activity based on one or more common linking keys between disparate records related to the logical component. | 2012-07-26 |
20120191582 | Lead Generation For Content Distribution Service - A content distribution service may provide lead information to content providers or other entities associated with a broadcast. The service may include both registered and unregistered (e.g., anonymous) users or subscribers that may each provide data associated with one or more subscriber attributes. Subscriber attribute information may be collected from a subscriber in a progressive manner such that sequentially small portions of data are collected over a period of time. The content distribution service may generate leads by collecting and determining subscriber attributes for each subscriber or anonymous user associated with the service. The leads may be generated in response to a request by a content provider or other requestor, or in response to an event such as the creation of a new broadcast. | 2012-07-26 |
20120191583 | VIRTUAL TRANSACTION CUTOFF - A method is provided that includes: (a) receiving transaction information associated with a transaction; (b) determining, based at least partially on the transaction information, that the transaction involves an account, occurred after a daily cutoff time on a first day, has a predetermined transaction type, and includes a transaction amount; and (c) designating, using a processor and based at least partially on the determining that the transaction occurred after the daily cutoff time and has the predetermined transaction type, the transaction amount for inclusion in the daily ending balance for the account for the first day. The method may further include designating, based at least partially on the determining that the transaction occurred after the daily cutoff time, the transaction for posting to the account on a second day. The method may further include determining the daily ending balance based at least partially on the transaction amount. | 2012-07-26 |
20120191584 | System And Method For Lender Directed Voting - Systems and methods for assigning a company's proxies associated with a company's shares from a financial intermediary to a lender are disclosed. In accordance with an aspect of the invention a system includes a memory and a processor. The memory stores a number of the company's shares for which the financial intermediary has not received proxy voting instructions and, for a plurality of lenders, the number of the company's shares loaned by the lender. The processor has access to the memory and determines a number of the company's proxies for which the financial intermediary has not received proxy voting instructions to assign to at least some of the plurality of lenders based on the number of company's shares for which the financial intermediary has not received voting instructions and based on the number of shares loaned by the lender. | 2012-07-26 |
20120191585 | Method and Apparatus for Inbound Message Management - A computer-implemented method for identifying accounts with which an individual does business. The computer receives an access credential for at least one message source and analyzes a plurality of messages in the message source. From the analysis, a plurality of institutions are identified and a system account is created on the computer that is preloaded with the institutions. | 2012-07-26 |
20120191586 | SYSTEM ARCHITECTURE AND METHODS FOR COMPOSING AND DIRECTING PARTICIPANT EXPERIENCES - The present invention contemplates a variety of improved methods and systems for providing an experience platform, as well as sentio or experience codecs, and experience agents for supporting the experience platform. The experience platform may be provided by a service provider to enable an experience provider to compose and direct a participant experience. The service provider monetizes the experience by charging the experience provider and/or the participants for services. The participant experience can involve one or more experience participants. The experience provider can create an experience with a variety of dimensions and features. As will be appreciated, the following description provides one paradigm for understanding the multi-dimensional experience available to the participants. There are many suitable ways of describing, characterizing and implementing the experience platform contemplated herein. | 2012-07-26 |
20120191587 | Data Feed Without Quantities - The present embodiments relate to an improved data feed. In an embodiment, an electronic exchange, when generating a data feed, in particular a price data feed, purposefully chooses to include the inside market and/or last traded price but purposefully leaves out the market depth. The market depth may be omitted to provide an optimal marketplace. | 2012-07-26 |
20120191588 | Block Placing Tool for Building a User-Defined Algorithm for Electronic Trading - Certain embodiments provide a block placing tool for building a user-defined algorithm for electronic trading. Certain embodiments provide for receiving by a block placing tool a selection of one or more blocks. Certain embodiments provide for receiving by a block placing tool a mapping definition including a mapping between block types and/or attributes. Certain embodiments provide for placing blocks based on a selection of blocks and a mapping definition. | 2012-07-26 |
20120191589 | DYNAMIC AGGRESSIVE/PASSIVE PEGGED TRADING - A computer-implemented system and method for executing trades of financial securities according to a combination passive/aggressive trading strategy that reliably executes trades of lists of securities or blocks of a single security within a desired time frame while taking advantage of dynamic market movement to realize price improvement for the trade within the desired time frame. A passive trading agent executes trades at advantageous prices by floating portions of the order at the bid or ask to maximize exposure to the inside market and attract market orders. An aggressive agent opportunistically takes liquidity as it arises, setting discretionary prices in accordance with historical trading data of the specified security. | 2012-07-26 |
20120191590 | SIMPLIFIED QUOTE SHARING CALCULATION - Presented is a method for calculating and distributing quoting share revenue to exchange members that contribute quote data to market data feeds. First, the method reads in trading data chronologically for a particular day. Using an object oriented framework, the method divides the symbols and orders into groups of objects to facilitate the tracking of the total price, quantity, and seconds displayed for each symbol. The timestamp of each message is read and the seconds field is parsed ignoring fractional seconds. Credits are awarded for each second the quote is displayed at the National Best Bid/Offer (“NBBO”) by multiplying the price, quantity, and elapsed whole seconds. These quote credits are stored by the system for each member and symbol. Members are eligible to earn quote credits on either the bid or the offer or both at the same time. | 2012-07-26 |
20120191591 | EXCHANGE ORDER PRIORITY RETENTION FOR ELECTRONIC TRADING USING AUTOMATIC BOOK UPDATES - The present invention involves providing a computer based platform for allowing a user to establish a target trading book; evaluating the user's unmatched exchange trades to determine an actual trading book at a point in time; determining a differential between the target trading book and the actual trading book; and identifying at least one exchange trade action to transition from the actual trading book to the target trading book, wherein the exchange trade action is based on preserving at least one unmatched order with the oldest possible entry time stamp. | 2012-07-26 |
20120191592 | INCENTIVE STRUCTURE FOR CENTRALIZED TRADING MARKET - An automated marketplace is separated into tiers, with behavioral requirements for each tier. Tier eligibility is a “structural incentive” for market participants to exhibit desirable behavior and eschew undesirable behavior. Tiered eligibility also reflects the natural imbalance of liquidity in the market and the need to preserve the identity of a class of liquidity providers, which further leads to a structure that can preserve the integrity of person-to-person trading relationships even in an automated environment. Within each tier, participant behavior leads to a ranking for that participant. When specific events occur, these events are allocated based on participant ranking. Participant ranking is an “activity incentive” that influences the behavior of market participants. Certain events are defined as desirable or undesirable, and when performed by a market participant, lead to positive incentives or negative incentives, of structural and/or monetary type. | 2012-07-26 |
20120191593 | PROVIDING AN INTERFACE TO LOAN INFORMATION - In an exemplary embodiment, a method includes receiving a request from a client access module to access loan information from a loan system, wherein the request is initiated by a selected one of a client and a participant. A processor determines whether the request is initiated by the participant and retrieves loan information associated with the request. The retrieved loan information is communicated through the client access module to the participant if the request is initiated by the participant. | 2012-07-26 |
20120191594 | ONLINE BUSINESS METHOD FOR PROVIDING A FINANCIAL SERVICE OR PRODUCT - An online business method for providing a financial service or product, like an installment loan, generally includes the steps of: authenticating the identity information of an end/user applicant via online information and assigning a risk score; originating and servicing the loan through a platform that integrates ancillary products; disclosing expenses and fees via an interactive loan disclosure meter; and providing an option for automatic repayment within the loan signing process. | 2012-07-26 |
20120191595 | System and Method for Debt Presentment and Resolution - A system and method for debt presentment and resolution through an Intranet or Internet content provider is disclosed. Said system and method include a plurality of “transaction communities” which are electronic forums allowing interaction between a plurality of debtors and creditors through means of electronic mail (e-mail) or other electronic communication means. The Internet/Intranet based software application allows said debtors to access and input information related to a particular debt with any Internet browser software. Said debtors are provided with the URL (Universal Resource Locator) for said content provider along with a unique identification code from the collection agency(s) through mail correspondence or other communication means. Upon said user entering said URL and entering said identification code, said user may then proceed to choose from a variety of settlement options listed on the HTML (HyperText Markup Language) page. | 2012-07-26 |