| 31st week of 2013 patent applcation highlights part 61 |
| Patent application number | Title | Published |
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| 20130197970 | SOCIAL NETWORK ANALYSIS FOR USE IN A BUSINESS - A historical analysis is performed within peer groups within a population such as associates of business or organization in regard to a plurality of factors having a possible bearing on satisfaction of individual members of the population in regard to the environment of the population to determine members of the population that may be likely candidates to be responsive to encouragement and/or incentives toward improved performance. The historical analysis is preferably supplemented by repeating of the scoring aspect of the historical analysis and comparison of current scores with previous scores to provide substantially real-time information and to allow detection of trends. The results of the historical analysis and/or the prospective analysis are overlaid with results of social network analysis within the population to project a spread of influences within the population. | 2013-08-01 |
| 20130197971 | MOTOR VEHICLE DEALER ANALYSIS MARKETING SYSTEM AND METHOD WITH AFTERMARKET ACCESSORIES - The method and system are used for marketing new and used motor vehicles for sale or lease. Initially a target area proximate to the dealer site is identified by reviewing the dealer's existing customer base to see the distance that the customers are from the dealer site. Then, demographic data is used to determine the ranges of household incomes for the overall population in the target area. Next, it is determined the amount that these households allocate for motor vehicles. Then, the makes and models of motor vehicles that are available to the dealer in these price ranges are identified. Once the size of the dealer's showroom and lot are evaluated, a recommendation is made to the dealer of the appropriate blend and price ranges of new and used motor vehicles to market. Aftermarket accessories for any particular vehicle can also be predicted with some degree of certainty. | 2013-08-01 |
| 20130197972 | SYSTEM, METHOD AND PROGRAM RECORDING MEDIUM FOR SUPPLY CAPACITY ESTIMATION - Technology for realizing reductions in time required for production plan by estimating supply capacities of suppliers is provided. A system has a function of registering and displaying transaction information including delivery requests from a buyer including number of required parts and delivery responses from a supplier including number of suppliable parts, a function of managing the series of transaction information as transaction history information on a DB, and an estimating function of estimating supply capacities of parts of the supplier with respect to the delivery responses in reply to delivery requests. The estimating function performs processes of estimating supply capacities by determining numbers of suppliable parts of past delivery responses with respect to numbers of required parts of past delivery requests by using the delivery request history information, the delivery response history information and the process LT information, and outputting a screen including the estimated result information to users. | 2013-08-01 |
| 20130197973 | Method and Apparatus for In-Vehicle Consumer Information Gathering - A computer implemented method includes receiving vehicle location information. The method also includes delivering a survey to one or more vehicle occupants, over a vehicle audio system, the survey related to a business having some correlation to the location information. Further, the method includes collecting survey results. Also, the method includes relaying the survey results to a remote server for processing. The method additionally includes providing a digital reward to the one or more occupants participating in the survey. | 2013-08-01 |
| 20130197974 | SYSTEMS AND METHODS FOR BEVERAGE SALES AND MANAGEMENT - In one embodiment, a system is provided that includes a storage component configured to store first information pertaining to a plurality of beverages, the first information including, for each beverage, information assets associated with the beverage, and second information pertaining to a plurality of restaurants, the second information including, for each restaurant, a list of beverages from the plurality of beverages that are offered for sale by the restaurant. The system further includes a processor configured to transmit at least a portion of the first information and the second information to a plurality of handheld electronic devices used by customers at the plurality of restaurants, the transmitted portions enabling a customer dining at a restaurant to view, via the customer's handheld electronic device, the list of beverages offered for sale by the restaurant and the information assets associated with each beverage. | 2013-08-01 |
| 20130197975 | HOUSEHOLD LEVEL SEGMENTATION METHOD AND SYSTEM - Methods and apparatus for household level segmentation are disclosed. An example method to classify consumers in clusters includes receiving population data indicative of a population of consumers and receiving a plurality of profiles, at least one profile to evaluate partitioning of the population of consumers. The example method also includes selecting at least one of the plurality of profiles based on a count limit value in accordance with a classification tree dimension split. | 2013-08-01 |
| 20130197976 | STATUS MANAGEMENT FRAMEWORK IN A DISTRIBUTED ORDER ORCHESTRATION SYSTEM - A status management framework is provided that manages status information of a system. The status management framework receives messages from fulfillment systems, where the messages include status values. The status management framework propagates the received status values within the system. The status management framework includes a status service that receives status values from task layer services, and propagates the status values throughout objects of the system. | 2013-08-01 |
| 20130197977 | MANAGEMENT TOOLS FOR QUANTIFICATION OF PERFORMANCE AND OUTCOME OF WINTER TRANSPORTATION INFRASTRUCTURE MAINTENANCE ACTIVITIES - An apparatus and system for evaluating winter transportation infrastructure maintenance operations includes a quantification component and a simulation component. Input data representative of collected winter transportation infrastructure maintenance data and observed transportation infrastructure data are modeled in a comprehensive data processing mechanism to measure and carry out effective and efficient winter maintenance planning and operations. | 2013-08-01 |
| 20130197978 | METHOD AND APPARATUS TO REWARD USERS OF CONTENT AND HOSTING APPLICATIONS - A method, apparatus and computer program product for rewarding users of content and hosting applications is presented. Content is accessed using a hosting application. The presence of a reward code within the content is determined and the user is rewarded for accessing the content with the hosting application. The reward is provided by either the content provider or by the hosting application provider. | 2013-08-01 |
| 20130197979 | ONLINE CONTENT MANAGEMENT - A computer implemented method for managing content, comprising: receiving the content at a server, the content transmitted over a communication network from a member, the member having a profile comprising a plurality of variable characteristics, the profile stored in a database coupled to the server; categorizing the content into one of a pre-existing list of content categories and storing the categorized content into the database; publishing the content; receiving one or more ratings in response to publishing the content; updating one or more of the variable characteristics in the database to reflect the one or more ratings; and allocating a reward to the member for the published content, the reward commensurate with one or more of the plurality of variable characteristics. | 2013-08-01 |
| 20130197980 | TRANSACTION PROCESSING SYSTEM - The transaction processing system and method provide an efficient and effective way to authorize promotion redemption. The transaction processing system may receive an indication of a request for authorization, the indication comprising a merchant identifier, an account number, and a transaction amount. The transaction processing system may determine whether the request for authorization corresponds to a promotion. The system may further transmit a transaction authorization based on whether the request for authorization corresponds to the promotion. The transaction processing system may cause a promotion database to designate the promotion as redeemed. In this fashion, the transaction processing system improves the consumer experience and minimizes the transaction time needed to identify and redeem a promotion. | 2013-08-01 |
| 20130197981 | SYSTEM AND APPARATUS FOR PROVISIONING SERVICES IN AN EVENT VENUE - The embodiments described herein relate systems and methods for providing concierge services at event venues hosting live performances. The system include a server configured to receive real-time performance information indicative of a current status of a live performance at an event venue having a plurality of seats; and a plurality of concierge devices in data communication with the server, each of the concierge devices being coupled to one of the plurality of seats, having an input device for receiving input from an attendee at the live performance, and being associated with location information indicative of a location of the seat. The server and the concierge devices are configured to provide a plurality of event-venue related services at the concierge devices, the event-venue related services being selectable based upon input from the attendee, and at least one of the event-venue related services provided comprise displaying supplemental information at the concierge devices based upon the location information associated therewith, the supplemental information being based upon the real-time performance information. | 2013-08-01 |
| 20130197982 | Game Advertisements - The present invention provides techniques for dynamically creating and integrating advertisements into video games based at least in part on user interests. Techniques are provided in which user interest information may be obtained substantially in real time. The user interest information and video game information may then be used to generate or select advertisements that may be relevant to the users and still be consistent with the theme of the video game. The advertisements may be dynamically integrated substantially in real time into the video game for presentation to the user. | 2013-08-01 |
| 20130197983 | Referral Networks - A web based referral network system and method for tracking and rewarding multiple levels of referrers so that a seller can efficiently reach buyers for his products and service. This system is based on a system generated URL that tracks the deal ID and one or more referrers. Referrers disseminate this URL to their network through email or social networks. The system credits the referral amount to the referrers when the deal is purchased and the goods/services are acquired by the buyer. Also provided is a method and system for reducing the purchase price of the good/services in proportion to the number of entities referred by the referrer. | 2013-08-01 |
| 20130197984 | Socially Shared Ads - Promoting on-line advertisements in a social network context includes steps of: selecting a parameter on whose value to base a discount to an on-line user; selecting a discount level to use; incentivizing advertisement sharing behavior of the on-line user by offering the discount level to the user along with the on-line advertisement association with the discount; computing a value of the discount; and providing the discount value to the on-line user. | 2013-08-01 |
| 20130197985 | Integration Of Gift Card Services For Mobile Devices And Social Networking Services - Methods and apparatus, including computer program products, for social networking services integrated with gift card services. In general, a profile of a member of a social networking service may be presented with one or more merchant credit services for prepaid merchant account credit, data characterizing a request to provide a credit service from the merchant credit services and a mobile phone number associated with an intended recipient of the first credit service may be received, and a message may be caused to be sent to the mobile phone number, where the message characterizes provision of the first credit service to the intended recipient. Interest in the credit service may be tracked and associated with a loyalty indicator associated with the member. | 2013-08-01 |
| 20130197986 | System and Method for Targeted Marketing and Consumer Resource Management - Systems and methods are provided for providing targeted marketing to goods and services provides and consumer resource management services to consumers. An example system and method for targeted marketing comprises collecting transaction data from point-of-sale (POS) terminals and using a consumer identifier in the transaction data to access stored information about the consumer. This information may be used to target offers and advertisement to the consumer. In an example system for consumer resource management, a consumer may configure a consumer account on the enterprise infrastructure via a web-site. The consumer may use the consumer account to purchase and configure gift cards that may be used for purchasing goods and services. A universal transaction identifier may be associated with the consumer account and used to purchase goods and services from more than one selected goods and services providers. | 2013-08-01 |
| 20130197987 | VIRTUAL INTEGRATION OF A LOYALTY CARD WITH A POINT OF SALE SYSTEM - Methods and supporting systems for administering a loyalty card program include an application residing on a plurality of heterogeneous point-of-sale devices that captures consumer transaction data, wherein the consumer transaction data include the identification of a loyalty card, While the loyalty card is uniquely attributed to an individual consumer, the card may be used to conduct transactions unrelated retail entities, each having its own respective loyalty program, such that values for the individual loyalty programs may be maintained. | 2013-08-01 |
| 20130197988 | MANAGEMENT APPARATUS AND MANAGEMENT METHOD - When a management apparatus receives a purchase request REQ, the management apparatus obtains a rank corresponding to a member ID, and obtains member IDs of friends corresponding to the member ID. A CPU accesses a member database to obtain a rank corresponding to the member ID of each friend to specify the highest rank out of the obtained ranks. The CPU obtains a discount ratio corresponding to the highest rank. The CPU calculates an amount of payment by applying the discount ratio to an amount of money for goods or services as a purchased subject, and sends a purchase response including the amount of the payment to a communication device. | 2013-08-01 |
| 20130197989 | INTELLIGENT INFORMATION LIFE MANAGEMENT SYSTEM FOR CONSUMERS - The invention generally relates to consumer product lifecycle maintenance and systems and methods therefor. The invention generally involves receiving and storing a consumer registration of a tangible asset, matching a provider to the consumer based on a later-arising maintenance need associated with the asset, and relaying a communication from the provider to the consumer. | 2013-08-01 |
| 20130197990 | System and method for the production, distribution, redemption and tracking of purchase offers via social promotion performed over electronic network systems - An automated social promotion platform that accepts member registration, social network authentication and social promotion via electronic network systems enabling members to redeem benefits of purchase offers. The platform accepts merchant registration and social network authentication via electronic network systems authorizing merchants to consolidate production, distribution, redemption and tracking of purchase offers. When member socially promotes purchase offer, the system and method examines social promotion activity to determine if the member fulfilled the requirements for purchase offer participation and/or redemption. If the system determines that the member fulfilled the requirements for purchase offer participation and/or redemption, then the member is qualified to participate in and/or redeem purchase offers. | 2013-08-01 |
| 20130197991 | SYSTEMS AND METHODS TO PROCESS PAYMENTS BASED ON PAYMENT DEALS - In one aspect, an account identifier is associated with a deal purchased by a user from a deal site. The deal has a face value applicable to a transaction with a predetermined merchant, if the transaction satisfies one or more predetermined criteria. The user pays the deal site an amount smaller than the face value. When the account identifier is used at a transaction terminal to initiate a payment transaction, a transaction handler determines whether the payment transaction satisfies the one or more predetermined criteria; and if so, the transaction handler provides the transaction terminal with an authorization response identifying the remaining balance, which is determined by deducting the face value from the payment transaction. The account identifier may be a one-time account number generated specifically for the deal purchased by the user, or an account number of the user used to purchase the deal from the deal site. | 2013-08-01 |
| 20130197992 | Method and System/Program for Managing and Generating Real-Time Rewards, Loyalty Points, and Advertising - The present invention is a method and system for generating real-time rewards, loyalty points, and advertising using a mobile application and quick response codes. The mobile application consists of a quick response code reader (QR Reader) which has the following components: a geo location capability; and three user options/functions directly on the QR reader. The three user options/functions are: (1) My Profile, which allows users to update their profile and store their member numbers; (2) Points, which allows users to view the points accumulated from visits to stores and frequency of visits to stores in real-time; and (3) Share, which allows users to share a QR Code with other users and vendors. | 2013-08-01 |
| 20130197993 | Advertiser Modeling - In a system that supports paid advertisements, as advertisements are awarded ad spots based on contextual relevance to search queries, periodic performance indicators are recorded. The periodic performance indicators represent ad performance during a specific time period. Over time, the periodic performance indicators are aggregated to form historical behavior indicators. A graphical model of advertiser behavior is formulated based on the periodic performance indicators and the historical behavior indicators. The graphical model may then be used to forecast future bid values based on previous advertiser behavior. | 2013-08-01 |
| 20130197994 | SYSTEMS AND METHODS FOR DISPLAYING DIGITAL CONTENT AND ADVERTISEMENTS OVER ELECTRONIC NETWORKS - System and methods are provided for analyzing and displaying digital content and advertisements over electronic networks. In accordance with one implementation, a method is provided that calculates, using at least one processor, an engagement metric (including, for example, click probability) for a specific combination of time, promotion slot, and user segment, for an individual promotion of a set of promotions, and calculates a value of a landing page associated with the promotion. The method then can multiply the engagement metric and the value to determine the valuation of the promotion. The method can operate recursively by using previous calculations in later runs of the same method. | 2013-08-01 |
| 20130197995 | CALL TRACKING SYSTEM AND A METHOD PERFORMED BY A CALL TRACKING SYSTEM - A call-tracking system and a method performed by a call-tracking system is provided where information contained in a trackable message received from a service provider and associated with a first telephone number of a first user equipment addressed to a second user equipment associated with a second telephone number is stored in a database. The message is also forwarded to the second user equipment, and if a trigger message comprising the second telephone number and the first telephone number is received by the call-tracking system, it is determined whether the two telephone numbers of the trigger message correspond to the previously stored telephone numbers stored associated with each other in the database and, whether the call has been made within a predetermined time interval. If the two mentioned conditions are fulfilled, the call is considered to be associated with the advertisement provided to the second user equipment in the message. | 2013-08-01 |
| 20130197996 | SYSTEM AND METHOD FOR ALLOCATING UNSPENT ADVERTISING BUDGET AND GENERATING KEYWORD BIDS - A method for generating bids for a group of keywords includes accessing, over a computer network, budget data and historical spend data for at least two groups of keywords. The method also includes determining a baseline portion of a budget to be allocated to a first group of keywords. The method also includes predicting, with reference to the historical spend data and the historical budget allocation data, an unspent amount. The method also includes calculating, based upon at least one adjustable allocation parameter, a first portion of the unspent amount to be allocated. The method also includes allocating the baseline portion and the first portion of the unspent amount to the first group of keywords. The method also includes allocating a second portion of the unspent amount to the second group of keywords. The method also includes generating bids for the first group of keywords. | 2013-08-01 |
| 20130197997 | BARCODE RENDERING DEVICE - In an embodiment, a method performed by a barcode rendering device for bonding the barcode rendering device with a mobile communication device is described. The method includes detecting a predetermined motion of a barcode rendering device. The method also includes detecting a first signal emitted by a mobile communication device, the first signal indicating that the mobile communication device is ready to bind with the barcode rendering device and to communicate information to the barcode rendering device. The method also includes binding with the mobile communication device in response to detecting both the predetermined motion and the first signal. The method also includes emitting a second signal indicating a readiness to receive the information from the mobile communication device. The method also includes receiving the information from the mobile communication device, the information including barcode data. | 2013-08-01 |
| 20130197998 | AUTHENTICATING ENTITIES ENGAGING IN AUTOMATED OR ELECTRONIC TRANSACTIONS OR ACTIVITIES - An automated system and method for authenticating entities or individuals engaging in automated or electronic transactions or activities such as financial transactions, accessing computer applications, computer software, data networks or other automated or electronic devices requiring identity and/or reliability verification is provided. | 2013-08-01 |
| 20130197999 | SYSTEM AND METHOD FOR SELECTING AND DELIVERING ADS BASED ON CROSS-PLATFORM ACTIVITY - A cross-platform advertising system utilizes viewing data, browsing data, and telephone call data to establish subscriber account profile and, optionally, user profiles for users at the subscriber account. An ad selection processor selects ads based on subscriber account profile and, optionally, the user profile. An ad delivery processor delivers the selected ads to a device associated with the subscriber account. | 2013-08-01 |
| 20130198000 | SPONSORED SEARCH COVERAGE EXPANSION - An embodiment is provided wherein a search query is received from a user. It may then be determined if the search query would ordinarily result in a results page having no sponsored search advertising. If the search would ordinarily result in a results page having no sponsored search advertising, then advertising that would ordinarily be displayed in response to each of two or more search terms making up the search query individually may be aggregated. Then one or more advertisements may be selected from the aggregated advertising. Then the selected advertisements may be displayed on a results page responsive to the search query. | 2013-08-01 |
| 20130198001 | OPT-IN SYSTEM FOR PROMOTIONAL MESSAGES - A system, method, and computer readable medium are disclosed for utilizing the address book or contact list on a consumer computer, such as a mobile device, to provide consumers with a means of opting-in to or opting-out of offers, promotions and other messages from a brand, merchant, or other vendor. | 2013-08-01 |
| 20130198002 | METHOD AND PROCESS OF USING META-DATA ASSOCIATED WITH A DIGITAL MEDIA TO ADVERTISE LOCAL INVENTORY BASED UPON VIEW GPS LOCATION - Retrieving information related to a plurality of viewable items in a dynamic digital event, the information including metadata, by displaying an indication on an end user device that one or more of the items are present within at least a portion of the dynamic digital event; identifying the location of the end user device; based on its location, identifying one or more merchants at or near the location of the end user device that offer at least one of the items, and displaying such information on the end user device. The system may determine whether a merchant may offer a special offer with respect the item. If no merchant offers the advertised item at or near the location, the system may select a merchant providing an item similar or substitutable for the advertised item. Object recognition may be employed, including using near real-time tagging. | 2013-08-01 |
| 20130198003 | ADVERTISEMENT DELIVERY TARGET IDENTIFYING APPARATUS, ADVERTISEMENT DELIVERY APPARATUS, ADVERTISEMENT DELIVERY TARGET IDENTIFYING METHOD, ADVERTISEMENT DELIVERY METHOD, PROGRAM, AND RECORDING MEDIUM - The present invention is to provide an advertisement delivery target identifying apparatus, an advertisement delivery apparatus, an advertisement delivery target identifying method, an advertisement delivery method, a program, and a recording medium that allow an advertisement effect to be increased by identifying an advertisement delivery target. | 2013-08-01 |
| 20130198004 | SYSTEM AND METHOD FOR PROVIDING CONTENT INFORMATION VIA SMS MESSAGING - A system and method for providing content information via SMS messaging. User interest activity information and user situational information are accumulated by a processor operating on a server and used to update a dynamic portion of a user profile associated with the user. A first rule is applied to the updated user profile to select information from an information database. A second rule is applied to the updated user profile to determine whether the user of the mobile device qualifies to receive SMS marketing messages. A reply message is generated using the selected information. The reply message further comprises an invitation to receive SMS marketing messages when the user of the mobile device qualifies to receive SMS marketing messages. Alternatively, the reply message further comprises an invitation to opt-out from receive SMS marketing messages when the user of the mobile device otherwise qualifies to receive SMS marketing messages. | 2013-08-01 |
| 20130198005 | SYSTEM, METHOD, AND INFRASTRUCTURE FOR REAL-TIME LIVE STREAMING CONTENT - Provided are systems and methods for using an existing management server infrastructure to deliver video-on-demand or streaming content, including real-time live streaming Existing client content playback devices, such as IPTVs, may be employed to stream content items, obtain advertisements, track user's viewing behaviors, and the like. By reusing existing client devices, there is no need for additional hardware purchases on the user side. By reusing existing management server infrastructures, capital expenses are also reduced. In such a system, a user can watch both video-on-demand and streaming audiovisual content. | 2013-08-01 |
| 20130198006 | PROVIDING TARGETED CONTENT FOR MULTIPLE USERS - Systems and methods for providing content are described. An image and a set of faces in the image are determined. Each face in the set of laces corresponds with a user of a display screen. For each face in the set, an identifier is determined, content targeted for the face is selected, a location of the face within the image is determined, and using the face location, a location on the display screen for providing a visualization of the targeted content is determined. | 2013-08-01 |
| 20130198007 | SYSTEM AND PROCESS FOR IMPROVING PRODUCT RECOMMENDATIONS FOR USE IN PROVIDING PERSONALIZED ADVERTISEMENTS TO RETAIL CUSTOMERS - A system and process for improving product recommendations for a first user includes receiving a request for one or more product recommendations for a first user, each product recommendation being associated with any one of a plurality of retailers, receiving a plurality of recommendation sets from one or more automated product recommendation systems, wherein the plurality of recommendation sets are generated using different selection models and using ensemble learning to select one or more most relevant product recommendation sets from the plurality of product recommendation sets. | 2013-08-01 |
| 20130198008 | Social Advertisements And Other Informational Messages On A Social Networking Website, And Advertising Model For Same - A social networking website logs information about actions taken by members of the website. For a particular member of the website, the website generates socially relevant ads for the member based on the actions logged for other members on the website to whom the member is connected (i.e., the member's online friends). The advertiser associated with the social ad may compensate the social networking website for publishing the ad on the website. When presenting a member with a social ad, the website may optimize advertising revenue by selecting an ad from the received ads that will maximize the expected value of the social ad. The expected value may be computed according to a function that includes the member's affinity for the ad content and the bid amount. The technique is also applied for providing socially relevant information off the social networking website. | 2013-08-01 |
| 20130198009 | METHOD AND SYSTEM FOR RESERVING FUTURE PURCHASES OF GOODS AND SERVICES - A method and system for reserving future purchases of goods or services or events. Electronic options are provided for desired goods or services or events on communications network and a cloud communications network. One or more graphical buttons are used to display electronic option information. A display appearance of the one or more graphical buttons are dynamically changed based on actions completed on the electronic options. The electronic options and the one or more graphical buttons are displayed on one or more client network devices and/or one or more server network devices for one or more retail sites, a social networking sites, social couponing sites, social virtual reality sites, social virtual gaming sites, or social fantasy sports gaming sites. | 2013-08-01 |
| 20130198010 | Method for producing a media production whose profits are collected prior to the production thereof so that it can be provided and/or shown to the audience for free - Method for producing a media production that can be shown for free because its production cost and profit for the production company are covered up-front. This is achieved by selling one or more portions of screen space of the media production. Each portion is indelibly watermarked with a buyer's logo(s) and/or name(s) so as to always be visible on the media production. The screen portions are sold to entities wanting visibility and advertising space. The actual production is not commenced until the number of screen portions sold cover the estimated cost and pre-set profit of the media production. Since the sale of screen space covers the entire cost and profit of the media production, the media production with embedded names(s) and/or logo(s) is distributed free of charge via the Internet or other media for viewing online, downloading, or viewing by any means (e.g., television set). | 2013-08-01 |
| 20130198011 | REAL-TIME BIDDING OPTIMIZATION THROUGH UTILIZATION OF MOBILE CHARACTERISTICS - A method for optimizing real-time bidding utilizing mobile device characteristics in a computer system is disclosed. Digital media content, such as music, games and applications (“apps”) are widely available with the popularity of mobile computing. Advertisers of such digital media content that utilize real-time bidding would appreciate it if their advertisements were more closely related to users most likely to download their digital media content. In one method, an inference may be made through collected device characteristics that the same mobile device that has downloaded digital media had previously interacted with a real-time bidding advertisement for the digital media, and that through evaluation of an advertisement placement characteristic from the advertisement, new advertisement placements may be optimized based on the evaluation. | 2013-08-01 |
| 20130198012 | Process for creating, for use over the Internet or other public communications network, an electronic sales advertisement with a voiceover incorporating a choice of various styles and languages - This invention is a process for creating, online, a narrated motion advertisement in different styles and languages, for viewing on the Internet or other public communications networks. It describes the front-end web server, middle tier server, and back-end SQL and file server processes for collecting, storing, and uploading media and other information necessary to create a narrated motion advertisement. Advertisements can be created from various media types, in any major language, and can include various vocal qualities, such as radio-quality voice and singing voice. After completion, the process remains open to further iterations, in order to facilitate advertisement editing and modification. This enables voiceover artists and scriptwriters to gain access, over the Internet, to an unfinished advertisement and create the script and narration for it according to the gender, language, style, and other qualities chosen by that advertisement's owner. | 2013-08-01 |
| 20130198013 | CONSUMER-INITIATED PAYMENT TO SKIP ELECTRONIC ADVERTISEMENTS - Systems and methods for an electronic brokerage allowing consumer-initiated payment to skip electronic advertisements at publisher electronic content interfaces are provided. According to one embodiment, an electronic brokerage is designed to allow paid, consumer-initiated advertisement skipping, which involves providing secured electronic client code and processes that are placed on publisher electronic content interfaces that execute within consumer browsers to allow consumers to choose whether they wish to pay to skip specific electronic advertising opportunities. Electronic brokerage systems and processes allow publishers and consumers to securely register accounts with the brokerage that are used, respectively, to provide non-repudiated electronic advertising opportunity attestation and explicit consent/dissent to pay to skip those advertising opportunities. Furthermore, electronic mechanism are also provided by the brokerage to allow consumers to fund their brokerage accounts monetarily and, optionally, by accruing vouchers to allow skipping of electronic advertisements in exchange for participation in brokerage-sponsored activities. | 2013-08-01 |
| 20130198014 | Systems and methods to balance portfolios of securities - A system and associated method allows a client to balance the client's security portfolio that includes constituent securities. A client device is provided with a client interface. A host server is coupled to the client device and executes logic resources for balancing the portfolio. A balancing engine allows a client to manipulate the client's security portfolio and keep it in balance at all times. The balancing engine provides that any constituent moved by a client remains at a declared level and remaining constituents are proportionally balanced so that the sum of the weights adds to 100%. | 2013-08-01 |
| 20130198015 | Systems and methods for hedging of market exposure or harvesting of tax losses - A system and associated method for conducting security transactions is provided for hedging of market exposure or harvesting of tax losses. A client device with a client interface is configured to receive a client order for hedging of market exposure or harvesting of tax losses. A host server is coupled to the client device which executes logic resources for carrying out transactions for a client. A pricing engine and an inventory account are provided. A trading engine processes the client order of hedging of market exposure or harvesting of tax losses. The trading engine enables the trading of fraction shares and reduces a frequency of orders sent to market by executing principal trades against the inventory account. | 2013-08-01 |
| 20130198016 | METHOD AND SYSTEM FOR CROSS-AUTHORIZATION FOR ONLINE TRANSACTIONS - Embodiments described herein disclose a first processor configured to receive data associated with a user, the data corresponding to at least one action performed by the user associated with a first webpage and an identification of the user. The first processor being further configured to determine if the user has browsed to a second webpage before completing the at least one action associated with the first webpage. The system may further include a second processor configured to communicate data to be displayed on an advertisement on the second webpage, the data being associated with the at least one action associated with the first webpage and the identification of the user. Furthermore, the system may include an interface configured to receive data via the advertisement to complete the at least one action associated with the first website. | 2013-08-01 |
| 20130198017 | INFORMATION PROCESSING APPARATUS - A portable information processing apparatus connected to a peripheral device through a cable, including a main body unit connected to the peripheral device; a base unit to maintain standing upright the main body unit when in use, and to pass a cable to a bottom plane unit serving as a bottom plane when in use; and a tilting unit to tilt the main body unit from a state where the main body unit is upright when in use to a state where the man body is folded for transport, with respect to the base unit, wherein: the base unit has, at the bottom plane unit, an opening through which the cable passes so that the cable is guided to the bottom plane unit; and the opening has a handle so that the base unit is suspended in transport. | 2013-08-01 |
| 20130198018 | AUTOMATICALLY EMAILING RECEIPT AT POS - When a consumer makes a purchase at a POS using a payment provider, the payment provider provides, to the merchant, a consumer identification (ID) and an authorization number, along with the payment approval. After receiving the information from the payment provider, the POS device sends a generated digital or electronic receipt to an email address of the payment provider. The email contains information about the payer and the authorization. Upon receipt, the payment provider may upload the electronic receipt into the consumer's mobile wallet or account using the payer ID and authorization number. As a result, the consumer can easily locate and access a receipt on the consumer's mobile device, such as by accessing the user's mobile wallet or the user's payment provider account on the mobile device, e.g., through a mobile app. | 2013-08-01 |
| 20130198019 | METHODS AND SYSTEMS EMPLOYING TIME AND/OR LOCATION DATA FOR USE IN TRANSACTIONS - A method includes obtaining data from a portable electronic device in which the data regards information obtained using the portable electronic regarding the transaction, and information obtained using the portable electronic regarding at least one of a physical location of the portable electronic device when obtaining the information regarding the transaction and the time of the day when obtaining the information regarding the transaction, and processing the transaction based on the data regarding the information regarding the transaction and the at least one of the information regarding the physical location of the portable electronic device when obtaining the information regarding the transaction and the time of the day when obtaining the information regarding the transaction. The method may be employed in a point-of-sale transaction for the purchase of products at checkout. | 2013-08-01 |
| 20130198020 | TRANSACTION METHOD AND SYSTEM - The present invention relates to a method of authenticating identity of an individual and performing a related action, the individual having a portable electronic device including identification information and a portable electronic device communication device, the portable electronic device adapted to communicate with an authentication device comprising identification information relating to authorised individuals, the method comprising the steps of: the authentication device generating an identification request for identification of the individual, the portable electronic device requesting reception of the identification request from the authentication device, transmitting the identification request from the authentication device to the portable electronic device, generating an identification response and transmitting the identification response from the portable electronic device to the authentication device, the authentication device receiving the identification response and relating the identification information in the identification response to the identification information relating to authorised individuals, establishing if the user is an authorised individual, provided the user is an authorised individual performing a related action. | 2013-08-01 |
| 20130198021 | PASSCODE MANAGEMENT FOR AUTHORIZATION OF IN-APPLICATION PURCHASES ON A MOBILE DEVICE - Passcodes may be managed for an account that is associated with multiple mobile devices. A list of mobile devices, associated with the account, may be provided to a user, where the account may be associated with a verification passcode that is used to verify purchases. The user may select a set of mobile devices from the list, and the selected set of mobile devices may be enabled to make purchases that are charged to the account. A request may be received, from one of the mobile devices, to make a purchase, and a passcode may be received from the one of the mobile devices. The request for the purchase may be permitted when the passcode matches the verification passcode. | 2013-08-01 |
| 20130198022 | Method and Apparatus of Determining A Linked List of Candidate Products - The present disclosure discloses a method of determining a linked list of candidate products. The method may provide a same product type set including a first product and a plurality of second products. For each second product of the same product type set, the method computes similarity scores between values of the first product and the second product with respect to each non-nominal attribute and each nominal attribute. The method may further computes a similarity score between the first product and the second product based on the similarity scores between the values of the first product and the second product with respect to each non-nominal attribute and each nominal attribute. In some embodiments, the method may render at least one second product which similarity score is among the top similarity scores with the first product as a linked list of candidate products for the first product. | 2013-08-01 |
| 20130198023 | Power Providing Managing Unit - The invention relates to a power providing managing unit configured to select a power provider among a plurality of power providers, the selected power provider providing electric power to a power consumer of a user. The power managing unit comprises an interface configured to receive a request for providing electric power to the power consumer, the request containing information about power constraints of the power consumer of the user, and a control unit configured to select a power provider for the power consumer from the plurality of power providers. The control unit is configured to select the power provider taking into account the information about the power constraints of the power consumer. | 2013-08-01 |
| 20130198024 | Method and Apparatus Pertaining to the Aggregation and Parsing of Behavioral-Event Content - A control circuit collects content for on-line behavioral events for a plurality of discrete on-line participants and then uses this identifying information to parse and aggregate that content to provide parsed, aggregated behavioral-event content that can then be offered, for example, via an on-line auction. By one approach the identifying information can serve as a basis to parse the aggregated content by industry to thereby yield, for example, search queries conducted by a variety of persons working for a variety of companies as comprise a given industry. By ensuring a statistically-significant number of sources, and by withholding the identifying information when offering the resultant parsed, aggregated content, the identities of the sources are anonymized to thereby protect and preserve the privacy of these sources. | 2013-08-01 |
| 20130198025 | SYSTEM AND METHOD FOR MATCHING HEALTHCARE PROVIDERS WITH CONSUMERS - A system and method for providing both service providers and product providers a forum for marketing their services directly to consumers with the system facilitating the payments from the consumers to the providers. | 2013-08-01 |
| 20130198026 | METHOD AND SYSTEM FOR AN EVENT MARKETPLACE - A system and method for an event marketplace. The system comprises a first interface for communicating with a plurality of user devices; a second interface for communicating with a plurality of systems of service providers; a progressive accuracy module for at least iteratively computing a set of total cost estimations of the event based in part on an event specification and information retrieved from one or more of the plurality of systems of service providers; and a cost optimizer for providing at least an optimal set of service providers matching the event specification, wherein the optimal set of service providers is ranked by their total cost estimations, the total cost estimation is a function of at least a proposal for a respective service. | 2013-08-01 |
| 20130198027 | INTELLIGENT INFORMATION LIFE MANAGEMENT SYSTEM FOR CONSUMERS - The invention generally relates to consumer product lifecycle maintenance and systems and methods therefor. The invention generally involves receiving and storing a consumer registration of a tangible asset, matching a provider to the consumer based on a later-arising maintenance need associated with the asset and/or follow-on items related to the asset such as accessories, consumables, direct replacements and similar items, and relaying a communication from the provider to the consumer. | 2013-08-01 |
| 20130198028 | PRINTING VIA E-COMMERCE METHOD AND SYSTEM - A method and system used to obtain and process orders for full color printing. A job configuration and price calculator is supplied to a customer. The calculator calculates automatically a price quote as the customer selects configuration options of a print job. The price quote is then displayed automatically. The customer may select configuration options repeatedly until the job configuration is final. A digital graphic layout or image file is then obtained from the customer. The digital graphic layout or image file is then prepared and a proof thereof is created. When the proof is satisfactory, the print job is printed and delivered to the customer. | 2013-08-01 |
| 20130198029 | APPLICATION RECOMMENDATION AND SUBSTITUTION - Methods and systems for application recommendation and substitution are provided herein. The method includes analyzing data within a platform of a computing device to determine a pattern of the data. The method also includes acquiring a list of applications from a marketplace service, wherein the applications are compatible with the pattern of the data. The method further includes activating an application within the platform, wherein the application is selected in response to an input by a user from the list of applications. | 2013-08-01 |
| 20130198030 | RECOMMENDATIONS BASED ON ITEMS VIEWED DURING A CURRENT BROWSING SESSION - Various processes are disclosed for discovering item relationships between particular items, such as products represented in an electronic catalog, based on monitored user behaviors (e.g., item viewing activities, item purchases, shopping cart activities, etc.). The discovered item relationships may, for example, be used to generate personalized item recommendations for users, and/or to supplement item detail pages of an electronic catalog with lists of related items. Also disclosed are processes for generating personalized item recommendations based on users' search activities and browse node visits. | 2013-08-01 |
| 20130198031 | METHOD AND SYSTEM FOR OPTIMUM ROUTING - Embodiments of the present invention disclose a method and system for optimum routing on a vehicle equipped with a global positional system device. According to one embodiment, a current location of the vehicle is determined and a travel destination is predicted based upon stored travel information. Furthermore, an optimum route of travel between the current location and the predicted travel destination is calculated based upon sensor information and the distance between the current location and the predicted destination. | 2013-08-01 |
| 20130198032 | Method and Apparatus for Providing Embedded Transaction Modules - Method and apparatus for provided embedded transaction modules are disclosed. One disclosed method comprises receiving a user input in an embedded transaction module displayed on a first webpage, wherein the user input is associated with a transaction and the embedded transaction module is not affiliated with the first webpage, and completing the transaction within the first webpage. | 2013-08-01 |
| 20130198033 | METHOD AND APPARATUS FOR PROVIDING A SHOPPING LIST SERVICE - A method and apparatus is disclosed that provides an Internet wish list for deferred purchasing. A user clicks on an add to wish list button located on locations, such as, a product page, a banner ad, or search results to add an item to the wish list. A reminder system is used to remind a user to purchase an item at a future time. The shopping list service may be integrated at a high level of integration and a low level of integration. On a low level of integration a proxy platform is used to add functionality to a website. | 2013-08-01 |
| 20130198034 | Cross Channel Delivery System and Method - Methods and systems consistent with the present invention provide a cross channel fulfillment system that enables consumers to purchase and receive items using different transmission mediums. The fulfillment system is a centralized distribution system that maintains information relating to consumers and has access to multiple transmission mediums. Specifically, the fulfillment system contains a database of consumer contact information relating to each transmission medium. The fulfillment system uses a remote device to provide information to consumers. The remote device transmits and receives broadcast messages including information relating to purchasable items. The fulfillment system may deliver a purchased item to the consumer using a medium different from that used to purchase the item. | 2013-08-01 |
| 20130198035 | CONFIRMING LOCAL MARKETPLACE TRANSACTION CONSUMMATION FOR ONLINE PAYMENT CONSUMMATION - Exemplary embodiment of the present invention would provide systems, including Internet-based systems, and computer-implemented methods, for providing online Buyers and Sellers who physically transact an exchange of an item at a local meeting place, indicia of confirmation of the exchange on which to base a background online payment. In particular, exemplary embodiments of the present invention would provide a way for Buyers and/or Sellers to input an identifier for online authentication to confirm that a physical exchange of an item sold had been transacted and that would accordingly provide an online system with a basis to charge the relevant Buyer's account for a sale amount and pay the Seller for the item sold. | 2013-08-01 |
| 20130198036 | METHOD AND SYSTEM FOR RESERVING FUTURE PURCHASES OF GOODS AND SERVICES - A method and system for reserving future purchases of goods or services or events. Electronic options are provided for desired goods or services or events. Electronic options, electronic option terms and electronic option fees are dynamically generated and dynamically adjusted based on prior and current actions completed on a client network device. A business-to-business (b2b) marketplace is established using electronic options. | 2013-08-01 |
| 20130198037 | Systems, methods and devices for trusted transactions - The invention discloses a system for enhancing trust in transactions, most particularly in remote transactions between a plurality of transactional parties, for instance a seller and buyer(s) of goods and/or services over a public computer network such as the internet. Trust is disclosed to be a multivalent commodity, in that the trust that is to be enhanced relates to information about the subject matter of the transactions (e.g., the suitability of the goods and services sold), the bona fides of the supplier of the goods and services, the appropriateness of a pricing structure for a particular transaction or series of transactions, a quantum of additional transactional value that may be imparted to the transactional relationship, security of information exchange, etc. | 2013-08-01 |
| 20130198038 | DOCUMENT TEMPLATE LICENSING - Methods and systems for licensing a document template are provided herein. The method includes obtaining, within a computing device, a license for a document template from a marketplace service. The method also includes downloading the document template to the computing device. The method includes providing a functional experience of a document derived from the document template to a licensed user. The method further includes sharing a license-restricted document with an unlicensed user in response to an input from the licensed user, wherein the license-restricted document provides a reduced-functionality experience of the document derived from the document template to the unlicensed user. | 2013-08-01 |
| 20130198039 | CUSTOMER ASSISTANCE PLATFORM - A method and system for providing location based assistance. The method and system including hosting a database of information regarding a customer, hosting a database of information regarding sale associate availability, and receiving a customer assistance request. The system determines the location of the customer and determines the availability of at least one sale associate within a predetermined location threshold of the location of the customer to service the customer assistance request. The customer assistance request is then routed to the at least one sale associate within the predetermined location threshold of the location of the customer for assistance. | 2013-08-01 |
| 20130198040 | METHOD FOR AUTOMATICALLY CREATING NEW LISTING NOTIFICATIONS - A method for notifying a user about new property listings includes: determining, when the user connects to a real estate property portal of a notification system that also includes a real estate property listing database, whether the user previously connected to the portal; retrieving activity of the user from previous connections of the user to the portal if the user previously connected to the portal; tracking and saving the activity of the user while the user is connected to the portal; and analyzing for patterns in the tracked and/or retrieved activity of the user; wherein the notification system is programmed to perform such steps. The portal is programmed to retrieve listings from the real estate property listing database. | 2013-08-01 |
| 20130198041 | METHODS FOR SELECTING, ORDERING AND PURCHASING GLASS PRODUCTS - The present invention relates to a system, apparatus and method for facilitating the selection, purchasing and ordering glass products. The apparatus includes a processor which is controlled by software to facilitate a selection process which integrates the comparison of glass products and their properties, as well as, including particular properties of particular components of a glass product. The apparatus can work with a user input device and is programmed to display graphics associated with selections and potential selections for glass products. The system and method providing selection menus for display on a display device and an animation graphic associated with a selection presented to the user. The system, apparatus, and method integrates the glass product selection information, and makes selections for the user, based on the user's previous choices and specified target performances to present to the user potential glass products. | 2013-08-01 |
| 20130198042 | LAST MILE LOGISTICS - A logistics facility, systems and methods for the provision of goods and/or services are disclosed. According to some embodiments, the logistics facility comprises a counter or checkout for purchasing goods and/or services offered for sale at the facility and a drive through or drive up area for the collection of goods from the facility and/or for the ordering of services from the facility. The logistics facility also comprises a storage facility for receiving, consolidating and/or cross-docking goods ordered from the facility or ordered from a plurality of vendors by customers over a communications network via the customers' respective communication devices. The logistics facility also comprises a delivery service for the delivery of goods to destinations specified for the customers. The goods can include perishable goods and/or non-perishable goods and/or higher value goods and the goods are ordered for same day or subsequent delivery or collection | 2013-08-01 |
| 20130198043 | SIMPLIFIED ORDERS USING WORDS OR PHRASES - A user communicates, such as through text, a phrase or word to quickly place and pay for an order. The phrase corresponds to details of the order and one phrase can contain orders with multiple merchants. Once the phrase is communicated, a service provider or merchant determines the order from the phrase and processes the order, which may include transmitting order details to the merchant(s) and processing the payment(s) to the merchant(s) on behalf of the user. | 2013-08-01 |
| 20130198044 | AUTOMATED BROADCAST SYSTEMS AND METHODS - Automated broadcast from one or more physical venue locations is described. One system includes multiple automated broadcast sets, disposed on location at the physical venue locations, and one or more content delivery network servers. An automated broadcast set, disposed at each location of the physical venue locations, comprises a plurality of cameras, one or more optional microphones, and at least one router or a local computer. The cameras are pre-positioned at different sight angels within the corresponding physical venue location and are configured to automatically capture images. The optional microphones are pre-positioned at the corresponding physical venue location and automatically capture audio. The router or the local computer is configured to encode and transmit received video and audio signals over a network. | 2013-08-01 |
| 20130198045 | METHOD AND APPARATUS FOR RECONCILING A TRANSACTION - A method and apparatus that improves treasury management functionality for a cash positioning and reporting system is provided. Several portions of the payment process may be improved. The approval process may be streamlined by providing supplemental contact information at each stage of the approval process. Confirmation of payments made via a wire transfer may be sent to a payee. A reference number from the wire transfer may be included in the confirmation. The reference number may permit tracking of the payment by the payee. Likewise, supplemental wire transfer information may be provided to the general ledger system to improve reconciliation of payments and invoices. | 2013-08-01 |
| 20130198046 | MOBILE DATA MAPPING SYSTEM AND METHOD - Embodiments of the invention are related to systems and methods for analyzing transaction data for mobile merchant transactions, and generating a message based on the analysis. Transaction data for one or more transactions conducted at one or more mobile merchants is electronically received, the transaction data including a location for each of the one or more transactions. The transaction data is analyzed by a server computer which generates a message based on the analysis, the message being transmitted to a client device. | 2013-08-01 |
| 20130198047 | METHOD, SYSTEM, AND COMPUTER PROGRAM FOR PREDICTING TAX LIABILITIES ASSOCIATED WITH REPORTABLE INCOME ON A 1099 FORM - A method, a system, and a computer program for predicting an impact of a tax event, such as reportable income on a 1099 form, on a user's tax liabilities at any intermediate time during a current tax year based on a comparison of known and predicted user information related to the user and the user's taxes, tax event information, and a tax deduction database of tax deductions, credits, and eligibility rules. The computer program and method for predicting the impact of the tax event comprise acquiring information about the user from a user profile, acquiring information about the tax event, comparing the user information and the tax event information with requirements for tax deductions and credits offered by a taxing authority, and identifying deductions or credits having requirements related to the user information and the tax event information. | 2013-08-01 |
| 20130198048 | PROFESSIONAL EMPLOYMENT ORGANIZATION DATA MANAGEMENT SYSTEM - A data management system includes a computer readable storage medium with a software program embodied thereon, having a human resources application, a reports center application, a payroll processing application, and a system maintenance application. The system also includes data from one or more time files. The data management system is capable of generating one or more payroll documents and one or more reports based on information included in one or more of the human resources application, the reports center application, the payroll processing application, and the system maintenance application, and the data from the one or more time files. | 2013-08-01 |
| 20130198049 | SYSTEM AND METHOD FOR ELECTRONIC TIME RECONCILIATION - The invention relates to systems, methods, and devices for automatically reconciling information among multiple records. Systems and methods of the invention are operable to automatically reconcile differences among a gatelog, a shift ticket, and an activity report by applying rules. Since the invention is able to automate and standardize the reconciliation, the results are rapid and predictable and conform to expectations. | 2013-08-01 |
| 20130198050 | SYSTEMS AND METHODS FOR PROVIDING DECISION TIME BROKERAGE IN A HYBRID CLOUD ECOSYSTEM - A method and system for providing decision-time brokerage in a hybrid cloud ecosystem is disclosed. Disclosed embodiments may include receiving a workload input by a brokerage engine executing in a computing device communicably connected to at least one cloud computing node in a cloud platform of a cloud service provider, determining resource optimization for the workload input by the brokerage engine, monitoring the workload input for compliance with one or more audit and regulatory metrics, monitoring the cost consumption of the workload input, capturing non-functional context data associated with the workload input into a context repository database, applying one or more rules to the workload, deploying the workload across the one or more cloud platforms. In some embodiments, a deployment recommendation may be provided prior to deployment of the workload. In some embodiments, a social collaboration workflow may be triggered whereby one or more users are provided the deployment recommendation. | 2013-08-01 |
| 20130198051 | SYSTEM AND METHOD FOR CURSOR-BASED APPLICATION MANAGEMENT - A system and method of managing applications and event notifications using a cursor-based. GUI, wherein the cursor-based GUI is located adjacent to the cursor and provides a user with the ability manage and monitor a plurality of dynamically updated applications, commands and event notifications via a persistent and centralized interface. Since the cursor-based GUI is persistent in nature, the plurality of applications, commands and event notifications can be accessed regardless of the user's computer environment. The user can manage user authentication requirements and other configuration information for the cursor-based GUI. | 2013-08-01 |
| 20130198052 | SYSTEMS AND METHODS TO CREATE, COMPARE, CUSTOMIZE, PROMOTE, TRACK, OPTIMIZE AND SHOP FOR INDEX OR THEME BASED PORTFOLIOS OF SECURITIES - A system and associated method for conducting index or theme based basket security transactions includes a client device with a client interface, and is configured to receive an index or theme based basket client order. A host server is coupled to the client device and executes logic resources for carrying out transactions for a client. A pricing engine, an inventory account and a targets engine are included. The trading engine is configured to process the client index or theme based basket order as a single order. The trading engine enables the trading of fraction shares in real time as well as reduces a frequency of orders sent to market by executing principal trades against the inventory account. | 2013-08-01 |
| 20130198053 | Systems and methods to create, compare, customize, promote, track, optimize and shop for portfolios of securities in real time - A system and associated method with a target number of shares for conducting security transactions includes a client device with a client interface configured to receive a client buy, sell, sell short, or buy to cover order. A host server is coupled to the client device and executes logic resources for carrying out transactions for a client. A pricing engine and inventory account are included. A targets engine determines the target number of long and shorted shares of a security to be held by the inventory account. | 2013-08-01 |
| 20130198054 | Trade Matching Platform with Variable Pricing Based on Clearing Relationships - The disclosure describes systems and methods for using enhanced RFQs and incoming enhanced orders to assist in detecting implied orders using an implied spread determination module. In one example, a system includes a processor and memory storing a search list and computer-executable instructions, where the instructions determine whether the financial instrument associated with an eRFQ or new enhanced order is on the search list, and then determine if an implied order exists in combination with that financial instrument and CCP attribute designations. In some embodiments, a timer may be used to track a predetermined amount of time to spend towards determining if implied orders exist for a particular financial instrument at particular clearing houses. | 2013-08-01 |
| 20130198055 | AGGREGATED TRADING SYSTEM - A trading system is described herein for hosting a collection of one or more electronic exchanges. The collection of electronic exchanges may be made up of separately designated exchanges under one or more authorizing and regulating bodies. The trading system receives from traders bids to purchase and offers to sell a tradeable object listed at one of the electronic exchanges. Then, the trading system directs the bids and offers to the appropriate exchange where the bids and offers may be automatically matched in the corresponding market. The trading system may also be used to take actions in one or more markets that are internal and external to the trading system on behalf of a trader using preprogrammed trading instructions. | 2013-08-01 |
| 20130198056 | NEAR FIELD COMMUNICATION TRANSACTION MANAGEMENT AND APPLICATION SYSTEMS AND METHODS - Exemplary near field communication (“NFC”) transaction management and application systems and methods are disclosed herein. An exemplary method includes a computing system tracking NFC transactions associated with a profile and providing a service based on the tracked NFC transactions associated with the profile. In certain examples, the tracking includes aggregating the NFC transactions associated with the profile over time. In certain examples, the profile comprises a customer premises profile specifying one or more customer premises equipment (“CPE”) devices for which to track the NFC transactions. Corresponding methods and systems are also disclosed. | 2013-08-01 |
| 20130198057 | METHOD FOR USING ENVIRONMENTAL CLASSIFICATION TO ASSIST IN FINANCIAL MANAGEMENT AND SERVICES - Managing risks of crop production can be performed by understanding the relative performance of different agricultural inputs under the same or similar environmental conditions. In addition, managing of crop production risks can be performed by understanding variations in the performance of the same agricultural inputs over a range of environmental conditions. By being able to describe and understand these variations in performance, decisions can be made which are consistent with overall business and/or production objectives and limit risk associated with variations in environmental conditions. In addition to producers there are other stakeholders in the crop production process, such as financial institutions, insurance providers, users of crops produced, and input suppliers. These and other stakeholders can provide financial incentives to producers for managing crop production risks through use of environmental classification and/or genotype-by-environment information. | 2013-08-01 |
| 20130198058 | MUTIPLEXING SYSTEM FOR A FUEL TRANSACTION ENVIRONMENT - The present invention relates to a system in fuel dispensing control such as gasoline pumps wherein a four wire data system is operated utilizing two wires and a multiplexing system. | 2013-08-01 |
| 20130198059 | METHOD AND APPARATUS FOR CONFIRMING A TRANSACTION - A method and apparatus that improves treasury management functionality for a cash positioning and reporting system is provided. Several portions of the payment process may be improved. The approval process may be streamlined by providing supplemental contact information at each stage of the approval process. Confirmation of payments made via a wire transfer may be sent to a payee. A reference number from the wire transfer may be included in the confirmation. The reference number may permit tracking of the payment by the payee. Likewise, supplemental wire transfer information may be provided to a general ledger system to improve reconciliation of payments and invoices. | 2013-08-01 |
| 20130198060 | SYSTEM AND METHOD FOR HANDLING COLLECT ON DELIVERY TRANSACTIONS - A system and method for processing collect on delivery transactions are disclosed. The method includes defining, by a computer, a tracking code including a service type code for a collect on delivery service; scanning, using a scanning device, the tracking code on a shipping label of a mail item, the tracking code including the service type code; inputting into the scanning device delivery data including the amount of funds collected and the type of funds collected, if the service type code corresponds to the collect on delivery service; and transferring the delivery data from the scanning device to a postal tracking system computer. A method and system of centralizing payments from a Postal authority to merchants using the collect on delivery service are also disclosed. | 2013-08-01 |
| 20130198061 | INTERNETWORKING BETWEEN P2P NETWORKS - A method and apparatus for internetworking multiple person-to-person (P2P) payment networks and financial institutions is disclosed. Embodiments include receiving a request to send funds from a payor, the request containing one of the payee's email address and mobile phone number; determining whether the payee is registered with a network financial institution that is within a P2P network of the payer (the originating P2P network), wherein determining includes matching one of the payee's email address and mobile phone number; if the payee is registered within the originating P2P network financial institution, transferring the funds to the payee account at the network financial institution and notifying the payee and posting the transaction on the network financial institution web site; and if the payee is not registered within the originating P2P network determining whether the payee is registered with any second payment network connected to the internetwork payment hub with which the originating network is connected wherein determining includes matching one of the email or mobile phone number of the payee specified by the payor. | 2013-08-01 |
| 20130198062 | VALUE DETERMINATION FOR MOBILE TRANSACTIONS - Various embodiments provide techniques for determining a value share of a mobile transaction for one or more entities associated with the mobile transaction. Examples of mobile transactions include purchases of content such as applications, games, video, audio, graphics, and so on. In one or more embodiments, value share rules can be created and reconfigured. The value share rules specify a share of a transaction value (e.g., a percentage of revenue generated from a purchase of content) that an entity involved in a particular mobile transaction is credited with. In one example scenario, a user of a mobile device purchases an application for the mobile device. A value share rule can be applied to the application purchase amount to determine a share of the application purchase amount that is to be credited to a mobile operator that provides service for the mobile device. | 2013-08-01 |
| 20130198064 | Method and System for Administering Banking and Personal Savings Using a Mobile Computing Device - A system and method enables a user to determine a financial benefit from making at least one small sacrifice if the monetary value of the at least one small sacrifice were to be saved in a destination account, or directed to make a particular investment or to reduce a particular debt. The method and system provides the user with a forecasted short-tem and/or long-tem outcome should the at least one small sacrifice be made. When the user chooses to apply the monetary equivalent of at least one small sacrifice to a destination account, the system can then facilitate a secure financial transaction with their bank's server. This transaction deducts the amount, or series of amounts, from the user's chosen source account, typically a checking account, and applies the savings amount to the user's chosen destination account, e.g., a mortgage account or a savings account. | 2013-08-01 |
| 20130198065 | ADAPTIVE NAME RESOLUTION - A method, system, and computer-readable memory containing instructions include receiving a DNS request containing information related to user-specific information, device-specific information, and/or authentication information, analyzing the information, determining an appropriate action to take based on analyzing the status, and taking the appropriate action. Actions may include responding with an individualized network layer address or service location address, delaying sending a response message, sending a network layer address or service location address corresponding to a site containing authentication information, and sending a response with a network layer address or service location address with a web address configured to mimic the website related to the requested resource. | 2013-08-01 |
| 20130198066 | Fraud Protection for Online and NFC Purchases - A fraud protection application can allow a user to safely purchase goods without a physical account verifier such as a credit card. These types of purchases are common when purchasing items online and also when making NFC purchases. The purchaser can install a Fraud Prevention Application on a device that can recognize that the purchaser is using their device to make a purchase making a transaction. The application can initiate an independent connection with the financial institution's server and submit to the server verification data to validate the purchase. In response, the server can compare the data with identification data previously submitted by that purchaser's device and also with transaction data submitted by the merchant. If the verification data is validated then the server can approve the purchase and the transaction may proceed. If the verification data is not validated then the FPA can cause refuse the transaction. | 2013-08-01 |
| 20130198067 | REMOTE CONFIGURATION OF EMV TERMINALS - During a device programming technique, a merchant provides account information associated with a smart-card terminal to a portable electronic device (such as a cellular telephone), which is coupled to the smart-card terminal. In response, the portable electronic device provides the account information to a computer remotely located relative to the portable electronic device. Then, the computer provides a merchant identifier and a terminal identifier to the portable electronic device. Next, the portable electronic device provides the merchant identifier and the terminal identifier to the smart-card terminal, thereby facilitating programming of the smart-card terminal. | 2013-08-01 |
| 20130198068 | PRE-PAID PAYMENT INSTRUMENT PROCESSING - Methods, systems, and apparatus, including computer program products, in which a method includes attributing a value to a pre-paid payment instrument, determining an expiration time associated with the pre-paid payment instrument, and automatically return an un-used portion of value associated with the pre-paid payment instrument at the expiration time to the purchaser. | 2013-08-01 |
| 20130198069 | METHODS OF PROCESSING CHECK IMAGE DATA FROM A REMOTE DEPOSIT CAPTURE DEVICE TO DETECT A DUPLICATE CHECK DEPOSIT - A method is provided of operating a check image data processing facility to detect a duplicate check deposit. The method comprises receiving from a remote deposit capture device check image data which is representative of an image of a check being deposited by the customer, determining whether a MICR code line of the check image matches a MICR code line stored in a check item database, extracting check data from at least one focus area of the check image, transmitting a message to the remote deposit capture device to indicate to the customer that the check is a duplicate check based upon the check data extracted from the at least one focus area of the check image. | 2013-08-01 |
| 20130198070 | BANKING SYSTEM WITH ENHANCED IDENTIFICATION OF FINANCIAL ACCOUNTS - A computer based banking system in which at least selected clients termed participating system members have access to a remote device adapted to communicate with the computer base banking system such that financial transactions can be conducted by remote operation of the remote device by the participating system member to result in the debiting of a financial data base record associated with an instructing participating system member and in the crediting of a different financial data base record. Each data base record is identified by a conventional account number generated to conform to banking numbering standards as well as a linked communication number. | 2013-08-01 |
