31st week of 2012 patent applcation highlights part 55 |
Patent application number | Title | Published |
20120197742 | ELECTRONIC FUNDS AND RECEIPT TRANSFER SYSTEM - A system and method for providing an electronic funds and receipt transfer system capable of making available to the customer or other authorised third party, receipt data relating to an EFTPOS transaction in an electronic format ( | 2012-08-02 |
20120197743 | SINGLE ACTION MOBILE TRANSACTION DEVICE - Embodiments of the invention allow a user to wirelessly transmit payment information from a mobile device to a point-of-sale terminal by the user performing only a minimum number of inputs, such as a single input. Some embodiments of the invention provide an apparatus comprising an input device configured to receive input from a user, a communication device configured to transmit wireless signals to a transaction device, a memory comprising predetermined payment information stored therein and a processor communicably coupled to the input device, the communication device and the memory and configured to: receive transaction information from the transaction device related to a transaction; receive a first input from the user; determine if the first input matches a user defined action stored in memory, and use the communication device to wirelessly transmit the predetermined payment information and authorize payment if the first input matches the user defined action stored in memory. | 2012-08-02 |
20120197744 | SYSTEM AND METHOD FOR POINT OF SALE TRANSACTIONS - Disclosed herein are methods and systems for executing a first transaction at a checkout system at substantially the same time that a second transaction is started at the checkout system. For example, a cashier can scan one or more items, adding the items to a first transaction. When all items have been added to the first transaction and a first customer is making a payment in the first transaction, the cashier can begin to add items to a second transaction, such that execution of the first transaction occurs at substantially the same time that items are added to the second transaction. | 2012-08-02 |
20120197745 | SCHEDULING AND PAYMENT OF A BANKING TRANSACTION USING A MOBILE COMMUNICATION DEVICE WITH EMBEDDED NFC - 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. | 2012-08-02 |
20120197746 | Virtual Ticket Line in a Computer System - A computer system forming a virtual line on a computer which includes a number of different computer users in line to receive access to a first resource on the server computer which allows users to purchase an item, and providing feedback to the computer users confirming that said computer users are still in line to purchase the item. The user can purchase the item when they reach the front of the line. The user is not allowed access to the first resource on said server computer to purchase said item prior to reaching the front position in said virtual queue. The information about position in line can be in a format that causes information on computers of said users to automatically update information indicating their place in line. | 2012-08-02 |
20120197747 | METHOD AND SYSTEM OF PRESERVING PURCHASED ON-DEMAND TRANSPORTATION ENTERTAINMENT SERVICES ACROSS DIFFERENT JOURNEY SEGMENTS OR SEPARATE TRIPS - A method and system for allowing the purchaser of an on-demand entertainment session of predetermined time duration to reaccess that portion of the session not used. On-demand passenger entertainment services in airline flights often offer services, such as movies, of a predetermined time duration which time is longer than the time of flight. The method and system disclosed allows purchasers to gain access on another flight to the unused portion of the services, such as, the unseen portion of a movie, terminated at the end of the initial flight. | 2012-08-02 |
20120197748 | Barter System with a Master User - A barter system for transferring physical assets between related entities utilizes a distributed computer network using a master user. The system utilizes a database of designated physical assets, or optionally services, a transfer value for each asset, a list of the related entities, and an account for each entity, the account for containing points to obtain physical assets from another related entity. Each entity has at least one remote computer the remote computers operably connected to the database for (i) providing a list of physical assets available for transfer limited to designated physical assets in the database; and (ii) requesting transfer of physical assets listed in the database. | 2012-08-02 |
20120197749 | Computer Implemented Continuous Dual Auction System - A computer implemented continuous dual auction system consisting of a computer, server, and a process for creating a real-time, or substantially real-time, online marketplace for the sale of goods and services. The process includes the input of information from a seller about a certain good or service for sale, including but not limited to a price desired and a price the seller is willing to accept. The process also includes the input of information from a buyer about a certain good or service desired, including but not limited to a price a buyer is willing to pay for such a good or service. The process also can include the input of credit card information for validation and guaranty purposes in allowing the buyer and seller to post a bid or offer, respectively, into the continuous dual auction system's real-time, or substantially real-time, online marketplace. | 2012-08-02 |
20120197750 | METHODS, SYSTEMS AND DEVICES FOR RECOMMENDING PRODUCTS AND SERVICES - Exemplary embodiments provide methods, systems and devices for recommending one or more products for a selected individual. The products may be recommended to a user for gifting to the selected individual. Exemplary embodiments may automatically determine one or more topics of interest to the selected individual. In an exemplary embodiment, semantic analysis may be performed on textual content associated with the selected individual to automatically extract the topics of interest. Exemplary embodiments may use the topics of interest to automatically determine one or more products that are likely to be of interest to the selected individual. | 2012-08-02 |
20120197751 | PRODUCT RECOMMENDATIONS AND WEIGHTING OPTIMIZATION SYSTEMS - A product recommendation ecosystem is presented. A rules engine seeks to discover one or more relationships among cross-brand product categories based on non-transaction correlations. The rules engine constructs a generic rules-set based on the universal relationships. The rules-set is sent to a recommendation engine, possibly a subscriber to the services offered by the rules engine, and the rules-set configure the recommendation engine to generate one or more cross-brand product recommendations. The recommendation engine customizes the rules-set according to location-specific information possibly comprising consumer parameters, product parameters, vendor parameters, or other local information. | 2012-08-02 |
20120197752 | SYSTEM AND METHOD FOR AUTOMATICALLY PUBLISHING DATA ITEMS ASSOCIATED WITH AN EVENT - Systems and methods are disclosed to automatically publish data items associated with a news event. In one embodiment, a method comprises determining, using one or more processors, an event of a plurality of events as associated with a heightened user interest, identifying one or more listings from a plurality of listings as matching the event associated with the heightened user interest, and presenting a visual representation of a relationship between the event and the one or more listings such that the one or more listings are displayed as visually related to the event. | 2012-08-02 |
20120197753 | SYSTEMS AND METHODS FOR SHOPPING IN AN ELECTRONIC COMMERCE ENVIRONMENT - A method of shopping within an electronic commerce environment includes enabling a first user to add one or more items to a virtual shopping cart using a first user interface that is generated by a server computer system, enabling the first user to enter into a commitment to contribute funds toward a purchase, by a second user, of at least one of the one or more items in the virtual shopping cart using a second user interface that is generated by a server computer system, and enabling the second user to purchase the at least one of the one or more items by exercising the commitment of the first user. | 2012-08-02 |
20120197754 | SYSTEMS AND METHODS FOR SHOPPING IN AN ELECTRONIC COMMERCE ENVIRONMENT - A method of shopping within an electronic commerce environment includes providing first, second and third user interfaces generated by a server computer system, enabling a user of an electronic commerce website to select an item for sale using the first user interface, providing, to the user, a suggestion for a recipient for the selected item based on a relationship between the user and the suggested recipient, enabling the user to designate the suggested recipient as a prospective recipient of the selected item using the second user interface, and enabling the user to contribute funds toward a purchase of the selected item using the third user interface wherein the selected item is to be shipped to the prospective recipient subsequent to the purchase. The relationship is to be identified using characterization information associated with the user and stored in a database on the server computer system. | 2012-08-02 |
20120197755 | METHOD AND APPARATUS FOR SHOPPING FASHIONS - An online shopping tool provides multiple mix and match functionalities to shoppers. Conventional online shopping presents a single option, e.g., showing the item alone or how it looks in an ensemble created by someone else. In the real world, a shopper may want to buy a blouse from designer A, a dress from designer B or all items (i.e., images) from designer A from one or related websites/bricks and mortar stores. The present invention allows the shopper to do all of this online by using a shopper controlled multi-channel scrolling matrix with shopping tools that automatically create mix and match ensembles. | 2012-08-02 |
20120197756 | Dynamic Hosting Shopping Cart - According to an embodiment, a system comprises a remote server adapted to interact with a buyer device and one or more other servers over a network, wherein the remote server is adapted to implement a shopping cart. The system also comprises one or more processors, and one or more memories adapted to store a plurality of machine-readable instructions which when executed by the one or more processors are adapted to cause the system to receive, at the remote server, first transaction information from the buyer device through the shopping cart, wherein the first transaction information comprises a transaction request from a first seller; receive, at the remote server, second transaction information from the buyer device through the shopping cart, wherein the second transaction information comprises a transaction request from a second seller; and process the first and second transaction information through the shopping cart for the first and second seller. | 2012-08-02 |
20120197757 | Systems and methods for online matching of consumers and retailers - Systems and methods match buyers and sellers of goods and/or services online. More specifically, a website facilitates a search by consumers of retailers for goods and/or services. In addition, the website facilitates the advertising of goods and/or services by retailers. Specifically, a user of the system may search for particular products and services, and/or businesses. Interactive maps provide a user with location information of businesses and/or service providers that fit one or more criteria searched by the user. Icons may be generated on the map, whereupon users may obtain information relating to products or services searched for by selecting the icons. Further information may also be obtained relating to the businesses, service providers, products and/or services of the businesses and/or service providers. Users may select to buy particular products and/or services directly from the businesses and/or service providers, or may tag products and/or services for viewing at a later time. Moreover, users may correspond with others for recommending and/or reviewing particular products, services, businesses and/or service providers. | 2012-08-02 |
20120197758 | COMPUTATION OF USER REPUTATION BASED ON TRANSACTION GRAPH - A method and a system generate a reputation value for a user in a network-based community. A processor-implemented transaction data collector module collects transaction data of users of a network-based community. A processor-implemented transaction graph generator module generates a transaction graph based on the collected transaction data. The transaction graph has a transaction relationship between two users, and a weight corresponding to the transaction relationship. The weight is representative of a mutually reinforcing relationship between two users. A processor-implemented reputation generator module generates a reputation value for a user from the transaction graph. | 2012-08-02 |
20120197759 | Method for multijurisdictional tax collection - A system for calculating and collecting taxes across different tax jurisdictions. The system receives payment information from an online retailer and uses the information to determine if a sales or use tax is owed. If a tax is owed, the system calculates the amount owed and the proper taxing authority to which the tax must be remitted. Upon determining the appropriate tax to be levied, the system provides a tax invoice to an online purchaser and directs the associated tax payment to the appropriate taxing authority. | 2012-08-02 |
20120197760 | UNIVERSAL MERCHANT PLATFORM FOR PAYMENT AUTHENTICATION - A method is provided for supporting processing of a transaction conducted between two parties. The method includes: receiving payment information over a communications network at a server operatively connected to the network, the payment information identifying a particular payment option used by the second party for the transaction, and the server being equipped to format and route messages over the network in different manners to accommodate the different authentication protocols; determining from the payment information received which of the different authentication protocols is prescribed for the type of payment option identified in the payment information; selecting a particular authentication protocol from the plurality of different authentication protocols supported by the server; and, obtaining an authentication determination for the transaction in accordance with the selected authentication protocol, including formatting messages and routing the formatted messages over the network in accordance with the mandates of the selected authentication protocol. | 2012-08-02 |
20120197761 | Method and System for Processing Internet Payments Using the Electronic Funds Transfer Network - Embodiments of the invention include a method and system for effectuating an electronic payment between a payor and a payee using an Electronic Funds Transfer (EFT) network. The method is implemented by a system having multiple processors. The payor may hold a payor account at a payor institution and the payee may have a payee account at a payee institution. The method includes generating a payment authorization identifying the payee institution, the payee account, and an amount of the payment and transmitting the payment authorization to the payor institution. The method further includes debiting the payor account by the amount of the payment; transmitting from the payor institution to the payee institution through the EFT network an EFT credit message representing a credit in the amount of the payment; and crediting the payee account in the amount of the payment in response to the receipt of the EFT credit message. | 2012-08-02 |
20120197762 | SYSTEM AND METHOD FOR IDENTIFYING AN ALTERNATIVE PROVIDER OF TELECOMMUNICATIONS SERVICES - A method for selecting a service provider includes receiving a selection of a provider of telecommunications services, the selection being associated with a buyer. The method further includes determining that the buyer does not meet credit requirements of the provider and selecting at least one of a plurality of alternative providers of telecommunications services in response to determining that the buyer does not meet the credit requirements of the provider. | 2012-08-02 |
20120197763 | SYSTEM AND PROCESS FOR IDENTIFYING MERCHANDISE IN A VIDEO - One embodiment of the invention relates to a computerized process for matching an object in a video with information. This process can comprise the steps of watching a video, selecting an object from the video, inserting the object into a search field, and conducting a search in a database to find additional information. Once this additional information is found, the process results in matching the object from the video with at least one data object from the additional information. In addition once this data is matched, the process can proceed to presenting the at least one data object from the additional information on a screen. Another process can be a computerized process which can comprise the steps of uploading at least one video into a database, uploading at least one separate image into the database, uploading text data into the database, and matching the at least one video, the at least one separate image and the text data in the database. | 2012-08-02 |
20120197764 | METHOD AND PROCESS OF USING METADATA ASSOCIATED WITH A DIGITAL MEDIA TO SEARCH FOR LOCAL INVENTORY - In various exemplary embodiments, a method of selecting and retrieving information related to selectable items in a dynamic digital event (e.g., a movie) is presented. Each of the selectable items is available for purchase by an end-user. The method includes preparing the digital event for presentation on an electronic device of the end-user. Preparing the digital event includes generating tags for each of the selectable items within the digital event and adding metadata for each item. The metadata includes a description for each item. An indication is displayed to the end-user that one or more of the selectable items are present within at least a portion of the digital event. A determination is made whether the end-user has selected at least one item. Based on a determination that the end-user has selected at least one item, the metadata associated with the at least one item is displayed to the end-user. | 2012-08-02 |
20120197765 | METHOD AND SYSTEM FOR DISTRIBUTING BUSINESS APPLICATION AND CONTENTS FOR MOBILE EQUIPMENT USING APPLICATION STORE AND WIRELESS AP - A method and a system that automatically searches an application store corresponding to the Internet Protocol (IP) address of a connected Access Point (AP) for applications and content with a smart mobile device (mobile terminal) by which a user can download the desired applications and that notifies a user of the results of the search, thus allowing the user to install the applications without requiring a separate search operation. | 2012-08-02 |
20120197766 | SYSTEM TO SOLICIT INVENTORY INFORMATION - Products and processes are provided in which an award is offered to an entity to provide inventory information concerning an item that the entity is in a position to offer for sale via a posting site. In response to receiving inventory information, the award is provided to the entity. | 2012-08-02 |
20120197767 | Methods, Systems, and Products for Conducting Electronic Commerce - Processes, systems, and computer program products are disclosed for conducting electronic commerce. A website portal to an online community of merchants is stored. A customer's browsing behavior in the online community of merchants is tracked and provided to each merchant in the online community of merchants. | 2012-08-02 |
20120197768 | Method and System for Automatic Inventory Variance Identification - A system for performing an inventory count. A scan of an object is initiated according to a profile in order to perform the inventory count of the object. A scan result is compared with a recorded level for the object to determine if a variance exists between the scan result and the recorded level. A variance analysis is performed if the variance exists. | 2012-08-02 |
20120197769 | CHROMATIC DISPERSION COMPENSATION SYSTEM AND METHOD - Dispersion compensation is provided in an optical transmission system. An optical line couples first and second transceivers, and a plurality of amplifiers coupled to the optical line are spaced throughout the optical line with variable span distances. A plurality of dispersion compensation modules include a coarse granularity fiber, a connector, and a fine granularity fiber. A memory is associated with the dispersion compensators to provide information related to the value of the dispersion compensation. | 2012-08-02 |
20120197770 | SYSTEM AND METHOD FOR REAL TIME TEXT STREAMING - The present invention relates to a system and method for real time streaming of a text string which is periodically updated. The system and method is adapted to enable live, real time, delivery of text-captioned voices/sounds to one or more viewers in the same or different physical locality as the voice/sound which is being captioned. The system comprises streaming means adapted to communicate with a server and to process a first text string inputted via first text input means and update the first text string in real time with additional or edited text string portions inputted via second text input means to thereby generate a second text string; control means adapted to periodically monitor a state of at least the second text string and generate an output text string therefrom, the output text string being communicated to a server for streaming to a text viewing means; wherein the output text string is updated in real time to substantially correspond to the second text string, such that the output text string represents the updated text string, thereby facilitating editing of text string portions already communicated to the server. | 2012-08-02 |
20120197771 | ACCOUNTS PAYABLE TAX RULES PROCESSING SYSTEM AND METHOD - A system for generation of accounts payable processing system tax rules is provided. A tax account system generates an account for a tax jurisdiction. An over-tax rule system generates one or more rules for processing a tax amount in excess of a required tax amount associated with the tax jurisdiction. An under-tax rule system generates one or more rules for processing a tax amount that is less than the required tax amount associated with the tax jurisdiction. | 2012-08-02 |
20120197772 | Methods and Systems for Providing a Customized Network - A method, system, and computer-readable medium for providing a secure computer network for the real time transfer of data are provided. The data is grouped and stored as per user preferences. The data being transmitted is encrypted, decrypted, and validated by the system (assuming user identifications/passwords are verified). | 2012-08-02 |
20120197773 | SYSTEMS AND METHODS FOR PROVIDING POSITION-BASED BUDGETING INFORMATION - Various embodiments include a position-based budgeting system that uses the location of a consumer's mobile device relative to one or more merchants to determine relevant budget information to communicate to the consumer's mobile device. For example, when the consumer and his or her mobile device approach or enter a coffee shop, a budget account name and budget information (e.g., how much has been spent for the month and how much is left in the budget) associated with coffee shop purchases is displayed on the consumer's mobile device. The system may also be configured to display gift card balances associated with a particular merchant when the consumer approaches or enters the merchant's store. | 2012-08-02 |
20120197774 | Systems, Methods, and Media for Generating and Sending Indications of Interest in Trading Systems - Systems, methods, and media for generating and sending indications of interest in trading systems are provided. In some embodiments, systems for generating and sending indications of interest in trading systems are provided, the systems comprising: at least one hardware processor that: determines whether an order is blocked from inclusion in an indication of interest; determines whether the order is marketable; generates the indication of interest so that it includes at least a portion of the order when the order is determined to not be blocked and the order is marketable; determines whether the indication of interest is blocked from being sent to a destination; and sends the indication of interest to the destination when the indication of interest is determined to not be blocked from being sent to the destination. | 2012-08-02 |
20120197775 | Computer-based virtual personal economies implemented over public and private networks and methods for configuration, use and pooling of same - The present invention allows for an entity to offer assets of various types that are independent of currency and banking institution policy for investment and securitization and securely over public (WAN), semi-public (e.g. AOL) and private network or subscription network. Assets are verified through unique identification systems which provide for security even though the entity may remain anonymous and also provides for a networked portable transaction system with the identified assets. The invention allows asset holders, individually or pooled, capable of becoming their own “IPO.” | 2012-08-02 |
20120197776 | Trade Matching Platform with Variable Pricing Based on Clearing Relationships - The disclosure describes a regulated trading platform capable of communicating with a plurality of clearing houses. In particular, aspects of the disclosure relate to providing and/or calculating differentiated prices for the same or underlying financial product/instrument capable of being cleared at different clearing houses. The trading platform may allow anonymous counterparties in a multi-clearinghouse environment, and with full transparency and improved liquidity. The trading platform may also allow for non-anonymous counterparties in some situations. | 2012-08-02 |
20120197777 | Online System and Method for Issuing Collateralized Securities - A computer-implemented method for conducting a registered public offering of collateralized securities includes storing offering information in a database. The offering information is associated with a public offering of a collateralized debt security offered for sale by the issuer of the debt security. The offering information includes payment terms of a loan and a description of collateral for securing the loan, as well as the number of units of the security to be sold in the initial offering. The website is used to receive from a retail investor an offer for the purchase of the debt security directly from the issuer. The purchase price for the retail investor can be as small as $100. | 2012-08-02 |
20120197778 | CONTROLLING AN ORDER SLICER FOR TRADING A FINANCIAL INSTRUMENT - In one aspect, the present invention provides an order slicer that receives an order that to trade a financial instrument. The order associates a trading strategy with said order. The trading strategy is replaceable. In another aspect, an interface accepts a trading strategy of an order to trade a financial instrument. A transmitter transmits the trading strategy to an order slicer. | 2012-08-02 |
20120197779 | Trade Matching Platform with Variable Pricing Based on Clearing Relationships - The disclosure describes a regulated trading platform capable of communicating with a plurality of clearing houses. In particular, aspects of the disclosure relate to submitting enhanced request for quotes (RFQs) to request quote data with differentiated prices quotes for the same or underlying financial product/instrument based on the different clearing houses at which it may be cleared. The trading platform may allow anonymous counterparties in a multi-clearinghouse environment, and with full transparency and improved liquidity. The trading platform may also allow for non-anonymous counterparties in some situations. | 2012-08-02 |
20120197780 | System and Method for Smart Hedging in an Electronic Trading Environment - A system and associated methods are provided for smart hedging in an electronic trading environment. According to one example method, a first order for a first tradeable object and a second order for a second tradeable object are placed based on a spread strategy. Upon receiving an indication that a quantity of the first order is filled, the method involves determining if the second order can be used to offset the quantity filled of the first order by determining if a price of the second order would result in achieving a desired spread price defined for the spread strategy. If the price results in the desired price, the second order is used to offset the quantity filled for the first order in an attempt to achieve the desired spread price. Other tools are provided as well. | 2012-08-02 |
20120197781 | ADVANCE BLOCKING AND PAYMENT HOLDING STRATEGIES - Embodiments of the invention are directed to systems, methods and computer program products for identifying risk patterns for accounts based on a plurality of rules, and executing risk mitigation routines for those accounts for which risk patterns have been identified. If an advance block risk pattern is identified for an account, an advance block routine is executed for the account. If a payment hold risk pattern is identified for an account, a payment hold routine is executed for the account. | 2012-08-02 |
20120197782 | CALCULATING CREDIT WORTHINESS USING TRANSACTIONAL DATA - Aspects of the invention provide for the use of transactional data in determining credit and product offerings. Further aspects of the invention provide for generating financial statements and indices using transactional data for use by users and/or financial institutions. The transactional based financial statements and indices may be used for making underwriting and financial planning decisions. | 2012-08-02 |
20120197783 | DYNAMIC SAVINGS ALLOCATION METHOD AND PURCHASING MODEL - A system and method for providing a dynamic savings allocation account. The dynamic savings allocation account includes customer-defined savings categories within the account that act as sub-accounts. The customer may create savings categories and set parameters such as the goal amount to be reached, the time to reach the goal, how much or what percentage to be allocated to each category per deposit, etc. As the customer deposits funds into the dynamic savings allocation account, the deposit is automatically allocated to each savings category as defined by the customer. As goals are reached, customers may opt to take advantage of group purchasing benefits offered by the financial institution for some in-demand items. Alternatively, the financial institution, in partnering with third-party vendors may perform targeted sales campaigns. | 2012-08-02 |
20120197784 | COMPENSATING AN INDIVIDUAL INVOLVED IN A BUSINESS - A method of compensating an individual involved in a business is disclosed. The method comprises putting money from a business into an accumulation pool. Further, the method comprises allowing an individual involved in the business to participate in the accumulation pool after the individual has satisfied pool participation criteria. The pool participation criteria being defined in part by a number of individuals involved in the business as a result of the individual. Still further, the method comprises determining a share of the accumulation pool for the individual and determining a percentage of the share to be paid to the individual according to share percentage criteria. The share percentage criteria being defined in part by the number of individuals involved in the business as a result of the individual. Additionally, the method comprises paying the individual an amount from the accumulation pool according to the percentage of the share. | 2012-08-02 |
20120197785 | APPARATUS AND METHOD FOR MANAGEMENT OF INTELLECTUAL PROPERTY RIGHTS - A computer program product for managing intellectual property rights comprising a user interface and a database. The user interface may prompt a user for input of data relating to the intellectual property rights. The database may store data related to the intellectual property rights and may comprise a registration interface, a contracts interface, a social networking interface and a royalty management interface. The user may be prompted with an identification of a desire to exploit the intellectual property or an indication that the intellectual property has been exploited. The computer program product may use a processor that executes instructions to prompt the user for data, to store data, to provide access to the social network, to manage royalties, to indicate the desire to exploit the intellectual property and to indicate the intellectual property has been exploited. | 2012-08-02 |
20120197786 | PHONE NUMBER PAYMENTS FOR BILL PAYMENTS USERS - Described herein are methods and systems for registering a phone number as a payment facilitator. The phone number can be registered through a user's Bill Pay account, which is associated to the user's financial account. The user can specify the types of purchases that can be made using the phone number and request that a merchant processing a payment using the phone number convey customized details regarding the purchase. Purchase details associated with a purchase can then be provided to the consumer by the merchant. Also described herein are methods and systems for processing a payment using a phone number. The payment can be processed, in part, by a payment processor providing a consumer with a Bill Pay account associated with the consumer's financial account. The payment can be processed without the use of a credit card network and, as a result, without incurring unnecessary Interchange fees. | 2012-08-02 |
20120197787 | MOBILE WALLET EXPERIENCE FOR RESOLVING CONFLICTS BETWEEN DIFFERENT FINANCIAL INSTITUTIONS AND PAYMENT VEHICLES - In general, apparatuses, methods and computer program products for making contactless financial transactions utilizing a mobile wallet are disclosed. Particularly, a mobile wallet experience is disclosed. The experience aids to resolve conflicts between numerous payment vehicles and, particularly, financial institution-specific programs or sub-experiences on a mobile device. The mobile wallet experience permits a user to freely navigate various payment vehicles and, importantly, navigate efficiently through a plurality of financial institution sub-experiences. | 2012-08-02 |
20120197788 | TRANSACTION PROCESSING ENGINE FOR BILL PAYMENT TRANSACTIONS AND THE LIKE - A payment processing network operator obtains, from customer service providers, a first plurality of messages specifying a plurality of bill payments to a plurality of biller entities. Said first plurality of messages specifies, for each of the bill payments, an amount and an intended one of the biller entities to be paid. Based on the first plurality of messages, the operator of the payment processing network dispatches, to the plurality of biller entities, a second plurality of messages to initiate the plurality of bill payments. The operator of the payment processing network obtains data that specifies when at least some of the first plurality of messages are to be obtained and/or when at least some of the second plurality of messages are to be dispatched. Obtaining the first plurality of messages and/or scheduling dispatching the second plurality of messages are carried out in accordance with the data. | 2012-08-02 |
20120197789 | CONSTRUCTION PAYMENT MANAGEMENT SYSTEM AND METHOD WITH AUTOMATIC NOTIFICATION WORKFLOW FEATURES - Systems and method for managing a construction payment process. An input is received from a first participant and one of a plurality of stored notification workflows is accessed from a memory based on the information received from the first participant. Each stored notification workflow defines a sequence of automatic electronic notifications that are transmitted from the application server to one or more participants in the construction project in response to one or more predetermined events. Based on the accessed notification workflow, a second participant is identified and a first notification is automatically transmitted to the second participant. A response to the first notification is received from the second participant through an electronic form. The content of the response is automatically processed and a second notification is transmitted to a third participant based on the accessed notification workflow. | 2012-08-02 |
20120197790 | CONSTRUCTION PAYMENT MANAGEMENT SYSTEM AND METHOD WITH DRAW NOTIFICATION FEATURES - Systems and method for managing a construction payment process. When instructions are executed by a processor, an application server determines a date on which a draw is to occur for a construction project and generates a notification. The notification includes an indication of the date on which the draw will occur and an invitation to initiate a request for payment to be included in the draw. The application server then determines a plurality of participants associated with the construction project to be included in the draw and transmits the notification to the determined plurality of participants. The application server initiates the draw on the determined date and at least one participant of the determined plurality of participants receives a payment in the draw. | 2012-08-02 |
20120197791 | SYSTEM FOR MEASURING ELECTRICITY AND METHOD OF PROVIDING AND USING THE SAME - Some embodiments include a system for measuring electricity. Other embodiments of related systems and methods are also disclosed. | 2012-08-02 |
20120197792 | Verifiable Service Policy Implementation for Intermediate Networking Devices - Various embodiments are disclosed for a services policy communication system and method. In some embodiments, an intermediate networking device acts as a service intermediary or intermediate connection between a network and one or more communications devices; implements a service policy set for assisting control of the intermediate networking device use of a service set on the network, the service policy set including one or more service policies associated with the intermediate networking device or one or more communications devices connected to the intermediate networking device, the service set being one or more network services used by the intermediate networking device or one or more communications devices; and monitors use of the service set based on the first service policy set, in which the implementation of the service policy set is verified. | 2012-08-02 |
20120197793 | DEPENDENT NOTIFICATION ALERT - Embodiments of the invention allow a primary user to add dependent users to one or more accounts (e.g., shared accounts) of the primary user, in order to control and monitor the transactions made by a dependent user who is authorized to make purchases using the user computer systems that are linked to the primary user's shared account. The shared account can be a credit account, a debit account, a credit line account, a pre-paid account, or any other type of account that can be used to pay for products. In other embodiments of the invention the primary user may be linked to the dependent user account, be it a shared account or the dependent user's own account, in order to receive notification alerts regarding the transactions that the dependent user is trying to make. | 2012-08-02 |
20120197794 | SHARED MOBILE WALLET - The present invention provides embodiments of a shared account system that allows a primary user to add one or more dependent users to one or more accounts of the primary user in order to control and monitor the transactions made by a dependent user using a shared payment system. The primary user can set preferences, including spending limits, specific time frames within which the dependent user can make a purchase, or restrictions on transactions made at a store or for a product. The shared payment system may be a shared mobile wallet, such as a smartphone or PDA, which allows a user to enter into transactions. The shared mobile wallet allows the dependent user to make a purchase at a store or over a network by transmitting through a connection between the shared payment system and the merchant systems used to make the transaction. | 2012-08-02 |
20120197795 | Integrated Payment System - A payment system executes payments from payers to vendors. An unattended interface system automates the uploading of payments file from each payer to the system. A web services transfer server performs the unattended transfer. Steps of a payment server generating an electronic funds transfer file with a group of fund transfer records for each payment represented by a record of the payment file. After the electronic funds transfer file is complete, the steps further comprise transferring the electronic fund transfer file to an electronic payment network for execution. Remittance records are transferred to the vendor utilizing an unattended transfer executed by the web services transfer server. | 2012-08-02 |
20120197796 | CASH DISPENSING AT ATM - Methods and apparatus according to the invention are directed towards providing apparatus for generating an emergency one time use (EOTU) personal identification number (PIN) for use at one or more automated teller machines. The apparatus may include a receiver configured to receive (1) information corresponding to an account holder at a financial institution and (2) information corresponding to a request from the account holder to electronically generate an EOTU PIN. The apparatus may also include a processor configured to (1) determine a maximum amount of funds to be accessed using the EOTU PIN and (2) electronically generate the EOTU PIN. The apparatus may additionally include a transmitter configured to electronically transmit to the account holder information relating to the EOTU PIN. | 2012-08-02 |
20120197797 | PENDING ATM TRANSACTIONS - In general terms, embodiments of the present invention relate to methods and apparatuses for initiating pending ATM transactions on a mobile device and for completing those pending ATM transactions at an ATM. For example, in some embodiments, a method is provided that includes: (a) initiating a pending ATM transaction on a mobile device, where the initiating the pending ATM transaction is based at least partially on a user of the mobile device inputting one or more inputs into the mobile device, and where the initiating the pending ATM transaction occurs before the user arrives at an ATM for completing the pending ATM transaction; (b) storing, on the mobile device, transaction information associated with the pending ATM transaction; (c) transferring the transaction information from the mobile device directly to the ATM, where the transferring the transaction information occurs after the user arrives at the ATM for completing the pending ATM transaction; (d) receiving, at the ATM, the transaction information associated with the pending ATM transaction; and (e) completing, at the ATM, the pending ATM transaction based at least partially on the transaction information. | 2012-08-02 |
20120197798 | PENDING ATM AUTHENTICATIONS - In general terms, embodiments of the present invention relate to methods and apparatuses for initiating pending ATM authentications on a mobile device and for completing those pending ATM authentications at an ATM. For example, in some embodiments, a method is provided that includes: (a) initiating a pending ATM authentication on a mobile device, where the initiating the pending ATM authentication is based at least partially on a user of the mobile device inputting one or more inputs into the mobile device, and where the initiating the pending ATM authentication occurs before the user arrives at an ATM for completing the pending ATM authentication; (b) storing, on the mobile device, authentication information associated with the pending ATM authentication; (c) transferring the authentication information from the mobile device directly to the ATM, where the transferring the authentication information occurs after the user arrives at the ATM for completing the pending ATM authentication; (d) receiving, at the ATM, the authentication information associated with the pending ATM authentication; and (e) completing, at the ATM, the pending ATM authentication based at least partially on the authentication information. | 2012-08-02 |
20120197799 | Secured Charge Card - According to one or more aspects, financial transactions may be conducted using a financial card product, such as a charge card secured through a security interest in an asset. The asset may be the available balance in an interest-bearing checking account (e.g., a DDA account), a brokerage account, or other type of account that may hold funds/assets. The available balance may be monitored in real-time (or near real-time) such that the available spending limit on the secured charge card may be floating (e.g., dynamic). In one example, backend systems may be configured to monitor in real-time an available balance in security accounts in order to prevent spending over the amount of secured funds. In addition, in some examples, more than one account may be associated with a secured charge card such that the total spending limit on the card is greater. The total spending limit may be calculated through arithmetic (e.g., sum) of the available balance of each of the associated accounts. | 2012-08-02 |
20120197800 | Hybrid Secured Credit Card - According to one or more aspects, financial transactions may be conducted using a financial card product, such as a hybrid secured credit card that permits transactions up to a predetermined total credit limit, and then allows transactions in excess using a security interest in assets. The asset may be the available balance in an interest-bearing checking account (e.g., a DDA account), a brokerage account, or other type of account that may hold funds/assets. The available balance of the asset(s) may be monitored in real-time (or near real-time) such that the available spending limit on the hybrid secured credit card may be floating (e.g., dynamic). In one example, backend systems may be configured to monitor in real-time an available balance in security accounts in order to prevent spending over the amount of secured funds. In addition, in some examples, more than one account may be associated with the card such that the total spending limit on the card is greater. The total spending limit may be calculated through arithmetic (e.g., sum) of the available balance of each of the associated accounts. | 2012-08-02 |
20120197801 | MERCHANT PAYMENT SYSTEM AND METHOD FOR MOBILE PHONES - A method and system for processing a payment for a transaction with a merchant by a customer via a customer's mobile phone is disclosed. The method and system utilizes a customer mobile identifier comprised of an Issuer's BIN and the customer's telephone number. The merchant enters a customer's mobile phone number into the POS terminal and a transaction amount. This generates a transaction authorization request message in the POS terminal. The request is sent to the customer's mobile phone. The customer then selects a funding account. The amount and merchant's authorization request is then sent to the funding institution to authorize the transaction. Upon verification of account balance, the institution debits the funding account, and sends an approval message to both the customer's mobile phone and to the merchant's POS terminal. | 2012-08-02 |
20120197802 | METHOD AND SYSTEM FOR DETERMINING FRAUD IN A CARD-NOT-PRESENT TRANSACTION - A computer system for fraud detection associated with a card-not-present payment card system is provided. The system includes a network host site and an interchange network including a processor communicatively coupled to a memory device for storing data and to the network host site wherein the processor is programmed to receive a card transaction authorization request message from a merchant, route the card transaction authorization request to the network host site to perform CNP fraud risk scoring, and based on the criteria of the card transaction authorization request, call at least one of a plurality of fraud scoring models defined for criteria of the transaction authorization request. The processor is further programmed to calculate the fraud risk score based on the current transaction authorization request data and an updated card account profile, and transmit the message to an issuer of the payment card for approval of the request. | 2012-08-02 |
20120197803 | DUAL LAYER AUTHENTICATION FOR ELECTRONIC PAYMENT REQUEST IN ONLINE TRANSACTIONS - Increasing the security of online payment requests by introducing a dual-layer authentication system for accessing the funds and/or credit through payment cards is described. An additional check regarding the identity of a card user to be included within a traditional security protocols for these cards, wherein the additional check is based on an authentication channel which is external to the user's card. A device owned by the legitimate card owner certifies that the user of the card at any given instant is the legitimate owner of the card and not someone else. To process this additional information, a connection by means of a proximity based device is established. | 2012-08-02 |
20120197804 | Merchandise-Integral Transaction Receipt and Auditable Product Ownership Trail - Techniques are disclosed for writing data directly onto a product to record each ownership transfer. As a result, the product itself now carries a traceable, auditable, non-forgeable, non-repudiable proof of ownership (and, optionally, ownership history) that can be used in a variety of ways. This recorded ownership transfer information provides an electronic receipt, which may be used by the present owner to prove his or her ownership. (Optionally, other types of transfers may be recorded in addition to, or instead of, ownership transfers.) A transfer agent or registrar may create a unique transaction identifier to represent the transfer, and preferably creates a cryptographic signature over fields representing the transfer. This information may be recorded in a repository that is external from the product. | 2012-08-02 |
20120197805 | METHOD AND APPARATUS FOR CAPTURING FINANCIAL DATA USING A CAMERA-EQUIPPED COMPUTING DEVICE - The disclosed embodiments provide a system that captures financial data using a camera. During operation, the system uses the camera to scan a barcode that is associated with a financial document. The system decodes the barcode to generate a financial data set that is then input into a financial application. Allowing data to be input by capturing and decoding a scanned barcode reduces errors and generally improves the user data entry experience. | 2012-08-02 |
20120197806 | SONIC BASED DIGITAL NETWORKING - Systems, apparatuses and methods of using an acoustic communication mechanism to transmit data in the form of acoustic data from a mobile device to an electronic device are described. In one embodiment, a method of completing a purchase with a merchant using a mobile device starts with the mobile device sending a request message to a central server through a network interface. The mobile device then receives a token from the central server through the network interface that confirms that a payment in the purchase amount has been received at the merchant's account. This token is then translated into acoustic data and transmitted from the mobile device to an electronic device being associated with the identification of a merchant. Other embodiments are also described. | 2012-08-02 |
20120197807 | SECURE ONLINE TRANSACTION PROCESSING - Various methods for securely processing an online transaction between a customer and a merchant are disclosed. In one method, an authentication credentials request that includes a transaction identifier is received from a merchant system. In response, an encryption key is transmitted to the merchant system. From a customer system, the personal account data associated with the customer is received, which is encrypted with the encryption key. A transaction processing request from the merchant system prompts the generating of a transaction processing response based upon its execution. | 2012-08-02 |
20120197808 | METHOD OF USING PERSONAL DEVICE WITH INTERNAL BIOMETRIC IN CONDUCTING TRANSACTIONS OVER A NETWORK - A method of authorizing a commercial transaction between a customer and a provider of goods or services over a network, wherein the provider of goods or services requests that the customer provide authentication by activating a fingerprint identification device, and the provider of goods or services receives at least an authentication code of the customer over the network from the fingerprint identification device, the method comprising the steps of: providing the customer with the fingerprint identification device which produces the authentication code when a fingerprint of the customer matches a stored fingerprint within the fingerprint identification device; receiving at least the authentication code from the provider of goods or services over the network; and authorizing the transaction if at least the authentication code is valid. | 2012-08-02 |
20120197809 | Method and System for Automated Construction of Project Teams - A method embodied as a web application that enables the automated construction of project teams from profiles contained in data sources accessible through the World Wide Web. The data sources may include social networks, blogs, web pages, and postings on online discussion forums. The locations of these data sources are supplied by a system administrator (during configuration and maintenance) and by registered users of the web application. The web application allows the system administrator to create a set of templates describing the kinds of roles and skills required by the users of the web application. The web application identifies potential team members referenced in the information sources and constructs a semantic network describing the skill sets and team suitability of those potential team members. The web application allows a registered user to enter the roles and capabilities required for a project team they wish to create. Once the user has entered a description of their desired project team, the application automatically constructs candidate teams by analyzing the semantic network to identify appropriate candidate teams given constraints on roles and skills. Four methods for identifying teams from the semantic network are provided. The system then provides the user with a set of recommended team members. In an iterative process, the user adjusts constraints on the team member capabilities until a satisfactory team is identified. The web application allows the user to negotiate compensation with the selected team, and provides a web-based collaboration page that the user and team may use for communication and coordination. | 2012-08-02 |
20120197810 | Selecting Packaging and Coolant Systems for Shipment of Biological Products - Disclosed is a process of selecting of a container and temperature-control system, such that biological products (including blood) requiring maintenance within a specified range of temperatures are so maintained during shipment. The process requires a prediction of the maximum period of shipment, and the predicted ambient temperature ranges and time of exposure thereto for the system during the period of shipment. With that information, a system of container(s) with temperature-control agents including dry ice, ice, frozen gel packs or a phase change material, is selected. | 2012-08-02 |
20120197811 | MECHANISM TO ALLOW CUSTOM IMPLEMENTATIONS TO MANAGE PRODUCT ASSETS AS SPECIFIED BY A THIRD PARTY - A server detects a product asset management request relating to custom product business model data of a third party during execution of a product asset management engine, wherein the request is associated with at least one extension point. The third party is a third party to a developer of the product asset management engine. The server obtains the custom product business model data by executing a call for an extension relating to the at least one extension point and provides the custom product business model data to a client to service the product asset management request to allow the third party to manage product assets as specified by the third party. | 2012-08-02 |
20120197812 | System And Method For Collecting, Recycling, And Tracking Products Such As Golf Balls - A system and method for incentivizing recycling of collected products by providing both an incentive award and information about the post-recycling stream designation of the collected products to a user. The collected products are assigned a trace element which is machine readable data input, with scanners or detectors disposed along the recycling stream. Once a decision is made regarding the recycle designation for a collected product, that information is provided to the user. A computer program that stores and calculates the award could be used to calculate analogous or ancillary calculations regarding post-recycling designations to enable comparisons with other users and online competition. | 2012-08-02 |
20120197813 | METHOD AND APPARATUS FOR EXPERT VERIFICATION - In exemplary embodiments, an apparatus and method for verifying experts on a consultation system is provided. Identity and credential information is received at a web server from a potential expert. A selection of a category that the potential expert wants to be admitted is also received. The identity information and at least a portion of the credential information may be verified. The potential expert is accepted as an expert based in part on a result of the verifying of the identity and credential information. Once accepted, an account associated with the potential expert is activated to allow the potential expert to become an expert and to allow the expert to provide answers on the consultation system when the potential expert is accepted. | 2012-08-02 |
20120197814 | CONTENT ENDORSEMENT - A computer-implemented method for content endorsement includes receiving, at a server, postings from posters; receiving, for each posting, a posting fee; receiving endorsements drawn by the postings; receiving, for each endorsement, an endorsement fee; collecting the endorsement fees into a pot; based on the endorsements, defining a subset of postings; and allocating at least a portion of the pot to postings in the subset of postings. | 2012-08-02 |
20120197815 | System for allocating fundraising - A fundraising system ( | 2012-08-02 |
20120197816 | PRODUCT REVIEW BIAS IDENTIFICATION AND RECOMMENDATIONS - Review bias identification systems and methods are presented. A bias in one or more review elements can be identified by deriving a measure of how a review outlet's product review deviates from an industry average or composite review of the product. A bias engine generates a bias vector for a review outlet where the vector can include multiple bias metrics associated with one or more product properties. The bias engine can further present one or more recommendations of associating the product with a review outlet based on the bias vector. | 2012-08-02 |
20120197817 | Basket Option Hedging Method - A method and system for hedging a correlation risk associated with a basket option that includes a plurality of securities that includes the step of selecting at least two of the plurality of securities and, in the next step, forming a best-of option for the at least two of the plurality of securities. Finally, the best-of option is combined with the basket option to hedge the correlation risk associated with the basket option. | 2012-08-02 |
20120197818 | MANAGEMENT OF GOALS AND RECOMMENDATIONS - A particular method includes identifying a financial planning objective for a financial planning client and creating a financial planning goal for the financial planning client based at least in part on the financial planning objective. A financial planning recommendation is associated with the financial planning goal, and data identifying the financial planning goal and the financial planning recommendation is stored in a data store. The method also includes monitoring activity of the financial planning client and at least one other financial planning client to detect a financial planning trend. In response to the detected trend, a financial planning product is selected for potential incorporation into subsequent recommendation(s). | 2012-08-02 |
20120197819 | INFORMATION PROCESSING APPARATUS, METHOD, AND PROGRAM - An information processing apparatus includes: an record information obtaining mechanism which obtains record information representing a provision destination of one predetermined electronic information property by a terminal device relating to a provider of the electronic information property; a comparing mechanism which compares record in provision of the electronic information property of a plurality of terminal devices by comparing the obtained record information based on a predetermined reference; and a provision scheme specifying mechanism which specifies a scheme, based on which the different electronic information property is provided to the terminal device, based on a comparison result. | 2012-08-02 |
20120197820 | METHOD AND APPARATUS FOR DETERMINING PRICING OPTIONS IN A CONSULTATION SYSTEM - In exemplary embodiments, an apparatus and method for providing pricing options in a consultation system is provided. In one embodiment, user input from a user is received. The user input is directed to a question the user intends to post to the consultation system. Pricing factors are determined in part from the user input. A pricing option is then determined by analyzing the pricing factors with pricing attribute data whereby the pricing attribute data may be based on current consultation system dynamics, user history, and completed transactions on the consultation system. The determined pricing option is presented. | 2012-08-02 |
20120197821 | Method for Laying Out a Business Park, and a Business Park - The present invention provides a method for laying out a business park, wherein a number of mains services for plots of this business park are connected to a distribution station which obtains from the public utilities mains services such as water, power, heat, cooling medium, telecommunication and other services for the users of the plots and makes these available to each user via the distribution station. The present invention also comprises a business park which comprises a number of plots and which is also provided with one or more distribution stations for obtaining and further transport of mains services such as water, power, heat, cooling medium, telecommunication and the like, and a number of conduits preferably laid in a shared encasing duct for the purpose of distributing the mains services from the distribution station to the users of the plots. | 2012-08-02 |
20120197822 | SYSTEM AND METHOD FOR USING CLUSTER LEVEL QUORUM TO PREVENT SPLIT BRAIN SCENARIO IN A DATA GRID CLUSTER - A system and method is described for use with a data grid cluster, which uses cluster quorum to prevent split brain scenario. The data grid cluster includes a plurality of cluster nodes, each of which runs a cluster service. Each cluster service collects and maintains statistics regarding communication flow between its cluster node and the other cluster nodes in the data grid cluster. The statistics are used to determine a status associated with other cluster nodes in the data grid cluster whenever a disconnect event happens. The data grid cluster is associated with a quorum policy, which is defined in a cache configuration file, and which specifies a time period that a cluster node will wait before making a decision on whether or not to evict one or more cluster nodes from the data grid cluster. | 2012-08-02 |
20120197823 | METHODS, ARCHITECTURE, AND APPARATUS FOR IMPLEMENTING MACHINE INTELLIGENCE AND HIERARCHICAL MEMORY SYSTEMS - Sophisticated memory systems and intelligent machines may be constructed by creating an active memory system with a hierarchical architecture. Specifically, a system may comprise a plurality of individual cortical processing units arranged into a hierarchical structure. Each individual cortical processing unit receives a sequence of patterns as input. Each cortical processing unit processes the received input sequence of patterns using a memory containing previously encountered sequences with structure and outputs another pattern. As several input sequences are processed by a cortical processing unit, it will therefore generate a sequence of patterns on its output. The sequence of patterns on its output may be passed as an input to one or more cortical processing units in next higher layer of the hierarchy. A lowest layer of cortical processing units may receive sensory input from the outside world. The sensory input also comprises a sequence of patterns. | 2012-08-02 |
20120197824 | Systems and Methods for Managing Interactions Between an Individual and an Entity - A system that incorporates teachings of the present disclosure may include, for example, a synthesis engine having a controller, and a storage medium for storing instructions to be executed by the controller. The instructions, when executed by the controller, can cause the controller to retrieve collected information associated with a behavior of an individual, synthesize from the information a measure of a mood of the individual to interact with others, and transmit the measure to a system associated with the individual to manage requests between the individual and the entity. The measure of the mood of the individual can indicate an availability of the individual and a receptiveness of the individual to accept a request to interact with an entity. The measure can be described by a plurality of dimensions. Other embodiments are disclosed. | 2012-08-02 |
20120197825 | System and Method for Inputting Text into Small Screen Devices - The present invention relates generally to a system and method for text prediction and, in particular, a system and method for the adaptive weighting of text predictions. The present invention provides a modular language model-based text prediction system for the adaptive weighting of text prediction components and a method for doing so. The system uses category predictions, generated by a timed aggregated perceptron classifier, to weight, using a weighting module, text predictions generated by a text prediction engine comprising at least one predictor. | 2012-08-02 |
20120197826 | INFORMATION MATCHING APPARATUS, METHOD OF MATCHING INFORMATION, AND COMPUTER READABLE STORAGE MEDIUM HAVING STORED INFORMATION MATCHING PROGRAM - The information matching apparatus includes: a training data rule setting unit that sets rules defining conditions for a training data of a positive example that is a pair of the records to be judged to be identical and a training data of a negative example that is a pair of the records to be judged to be non-identical; and a training data generating unit that, for the record of a matching source, generates a training data of the positive example by searching for the records of a matching target by using a positive example rule that is a rule defining conditions for the training data of the positive example, and generates a training data of the negative example by searching for the records of the matching target by using a negative example rule that is a rule defining conditions for the training data of the negative example. | 2012-08-02 |
20120197827 | INFORMATION MATCHING APPARATUS, METHOD OF MATCHING INFORMATION, AND COMPUTER READABLE STORAGE MEDIUM HAVING STORED INFORMATION MATCHING PROGRAM - The information matching apparatus includes: a training data setting unit that sets supervised data in a machine learning device of supervised learning that learns judgment criteria used for a judgment of identicalness, similarity, and relevance between a plurality of records by matching the records configured by sets of values corresponding to items; a check point setting unit that sets a check point configured by one set of two records used for evaluating the set supervised data; and a learning result evaluation unit, for the set check point, acquires a change between a judgment result using judgment criteria derived as a result of learning based on set first supervised data and a judgment result using judgment criteria derived as a result of learning based on set second supervised data set and evaluates the supervised data based on the acquired change. | 2012-08-02 |
20120197828 | Energy Saving Control for Data Center - A data center includes at least one rack containing electronic devices, a data center air conditioning system (DCAC), and an environmental parameter monitoring system. At least one set of eligible environmental parameters is determined that satisfies the cooling demand of the at least one rack containing electronic devices. According to the at least one set of eligible environmental parameters and corresponding relationships between sets of setting parameters of the DCAC and corresponding sets of environmental parameters determined by an artificial neural network, plural sets of setting parameters of the DCAC are determined. A power consumption of the DCAC to which each set of setting parameters in the plural sets of setting parameters corresponds is obtained. A set of setting parameters for which the corresponding power consumption satisfies a predetermined condition for energy saving is selected and us to set the DCAC. | 2012-08-02 |
20120197829 | QUANTIFIED BELIEF PROPAGATION - A quantified belief propagation (QBP) algorithm receives as input an existentially quantified boolean formula (QBF) of existentially quantified boolean variables, universally quantified variables, and boolean operators. A tripartite graph is constructed, and includes (i) there-exists nodes that correspond to and represent the existentially quantified variables, (ii) for-all nodes that correspond to and represent the universally quantified variables, and (iii) sub-formula nodes that correspond to and represent sub-formulas of the QBF. A set of boolean values of the existentially quantified variables is found by (i) passing a first message from an arbitrary sub-formula node to an arbitrary for-all node, and (ii) in response, passing a second message from the arbitrary for-all node to the arbitrary sub-formula node. | 2012-08-02 |
20120197830 | EVOLUTIONARY COMPUTING BASED OPTIMIZATION - Methods and apparatuses for performing evolutionary based optimization are described. Specifically, some embodiments feature: a dominance archive, auto-adaptive operators, detection of search stagnation, exploitation of randomized restarts to escape local optima, and/or selection of recombination operators based on their success in generating high quality solutions. | 2012-08-02 |
20120197831 | NOVEL WAVELET MODELING PARADIGMS FOR CARDIOVASCULAR PHYSIOLOGICAL SIGNAL INTERPRETATION - Described herein is a method of processing a cardiovascular physiological signal, comprising: decomposing the cardiovascular physiological signal into a first plurality of wavelet coefficients using a wavelet transform; selecting a second plurality of wavelet coefficients from the first plurality of wavelet coefficients, the second plurality being a subset of the first plurality; classifying or clustering the cardiovascular physiological signal into one of a plurality of predetermined classes based on the second plurality of wavelet coefficients using an artificial neural network. | 2012-08-02 |
20120197832 | COLLABORATIVE SYSTEM FOR CAPTURE AND REUSE OF SOFTWARE APPLICATION KNOWLEDGE AND A METHOD OF REALIZING SAME - A method and system for generating an information template from a domain ontology, where the information template is specific to a content management system (CMS). After a domain ontology specification is received, a platform independent model (PIM) is generated that includes elements that represent knowledge in the CMS. The PIM is converted to a platform specific model (PSM) that is based on the CMS. The information template specific to the CMS is generated based on the PSM. A result of generating the information template is a documentation of content for the CMS in a format specified by the information template. An existing CMS is reverse engineered to interoperable forms by retrieving content of the information template in the existing CMS, transforming the content to the PIM, and transforming the PIM to a domain ontology model. | 2012-08-02 |
20120197833 | ALERT MANAGEMENT SYSTEM AND METHOD - A system and related method for automating alert decision-making in a computer network are disclosed. The system and method act to receive an alert request from an event management system, and then carries out operations using several sets of inference rules, associating the alert request to a generic conceptual data model of alert request and alert resolution. The generic model is specialized to represent the specific environment being monitored. The alert request is enriched with contextual and network information in order to generate one or several alert resolution actions. | 2012-08-02 |
20120197834 | ESTIMATING RELATEDNESS IN SOCIAL NETWORK - To facilitate the estimation of relatedness between nodes of a graph, implementations estimate relatedness between nodes in a graph by pre-computing for a subset of sample nodes (e.g., center nodes) a plurality of transition probabilities between each sample node and each of the other nodes in the graph, and then later when queried the implementations calculate in real-time the resultant estimated transition probability between the first node and the second node through the at least one sample node based on the pre-computed transition probabilities. | 2012-08-02 |
20120197835 | METHODS AND SYSTEMS FOR PREDICTING JOB SEEKING BEHAVIOR - Embodiments of the present invention analyze information available from social-media websites to predict the likelihood that a prospective candidate will become an active recruitement candidate. | 2012-08-02 |
20120197836 | PORTABLE DATA MANAGEMENT - Embodiments for methods, systems, and computer program products for creating and managing a portable data rule using an electronic computing device are presented including: causing the electronic computing device to create a rule definition including, defining an expression by a user, where the expression defines a logic of a rule, causing the electronic computing device to parse the expression into a logical variable associated with the expression, causing the electronic computing device to identify the logical variable, and causing the electronic computing device to store the rule definition, where the rule definition includes the expression and the logical variable. In some embodiments, the causing the electronic computing device to identify the logical variable includes: causing the electronic computing device to return a name of the logical variable; and causing the electronic computing device to return an expected type of the logical variable. | 2012-08-02 |
20120197837 | PERSONALIZED NETWORK SEARCHING - Personalized network searching, in which a search query is received from a user, and a request is received to personalize a search result. Responsive to the search query and the request to personalize the search result, a personalized search result is generated by searching a personalized search object. Responsive to the search query, a general search result is generated by searching the general search object. The personalized search result and the general search result are provided to a client device, an advertisement is selected based at least in part upon the personalized search object, and the advertisement, the personalized search result, and the general search result are displayed. | 2012-08-02 |
20120197838 | CONTROLLED DISPERSION RATES FOR TRANSFER SWARMS - A method for data transfer in a data processing system, and corresponding system and machine-readable medium. One method includes receiving by the data processing system information relating to a data structure to be transferred, where the data structure includes a plurality of elements. Each element in the structure is linked to at least one other element in the structure. The method also includes selecting by the data processing system a group of the plurality of elements, the group including at most a predetermined maximum number of elements. The method further includes transferring by the data processing system the group of elements to a destination. The method also includes assigning by the data processing system the elements of the plurality of elements that are not in the group of elements to one or more substructures. At least one substructure is assigned two or more direct child nodes of transferred nodes. The method further includes recursively performing the steps of selecting, transferring and assigning concurrently on each of the substructures until all elements have been transferred. | 2012-08-02 |
20120197839 | METHOD FOR UPDATING DIGITAL MAPS - A method for updating speed limit, service stop location, or other attributes for road segments in a digital map ( | 2012-08-02 |
20120197840 | PUSH REPLICATION FOR USE WITH A DISTRIBUTED DATA GRID - Push replication techniques are described for use in an in-memory data grid. When applications on a cluster perform insert, update or delete operations in the cache, a push replication provider asynchronously pushes updates from the source cluster to one or more remote destination clusters. The push replication provider includes a pluggable internal transport to send the updates to the destination cluster. This pluggable transport can be switched to employ a different communication service or protocol. A publishing transformer can chain multiple filters and apply filters on a stream of updates from source cluster to the destination cluster. A batch publisher can be used to receive batches multiple updates and replicate those batch to the destination cluster. XML based configuration can be provided to configure the push replication techniques on a cluster. A number of cluster topologies can be utilized, including active/passive, active/active, multi-site active/passive, multi-site active/active and centralized replication arrangement. | 2012-08-02 |
20120197841 | SYNCHRONIZING DATA TO MEDIA - An apparatus for synchronizing data to a content item, the apparatus comprising: a data receiver, configured to receive the data and the content item, a data segment presenter, associated with the data receiver, configured to present a plurality of sequential segments of the received data and a graphical object associated with each respective one of the segments to a user, a content player, associated with the data receiver, configured to play at least a part of the content item to the user, and a time map definer, associated with the data segment presenter, operable by the user for defining a time mapping of the segments to the content item, by visually modifying a proportion among the objects simultaneously to the playing. | 2012-08-02 |