32nd week of 2015 patent applcation highlights part 49 |
Patent application number | Title | Published |
20150220911 | METHOD, APPARATUS, AND COMPUTER PROGRAM PRODUCT FOR TOPPING UP PREPAID PAYMENT CARDS FOR OFFLINE USE - A card holder carries out an initial top-up of a balance of a pre-paid payment card. The prepaid payment card is configured for use in an infrastructure in accordance with a payment specification requiring different behavior for normal transactions in the infrastructure versus that required for topping-up of the balance. Contemporaneously with the initial top-up, the card holder registers risk mitigation information in association with the pre-paid payment card. Subsequent to the initial top-up, an indicator is written to the pre-paid payment card during a transaction with the pre-paid payment card outside the infrastructure. The indicator identifies the pre-paid payment card as having the risk mitigation information associated therewith. During subsequent presentation of the pre-paid payment card to the infrastructure, the pre-paid payment card is treated as a token backed up by the risk mitigation information, based on presence of the indicator on the pre-paid payment card. | 2015-08-06 |
20150220912 | SYSTEMS AND METHODS FOR ENROLLING A TOKEN IN AN ONLINE AUTHENTICATION PROGRAM - An online transaction system configured to implement authentication methods that allow for strong multi-factor authentication in online environments. The authentication methods can be combined with strong security methods to further ensure that the authentication process is secure. Further, the strong multi-factor authentication can be implemented with zero adoption dependencies through the implementation of automated enrollment methods. | 2015-08-06 |
20150220913 | Multi-Use Card and System - A multi-use card is presented. The multi-use card can be selectively configured to operate and/or function as any one of a plurality of associated cards (including credit cards, identity cards, access cards, membership cards, loyalty cards, and the like). The multi-use card can also be configured to display one or more messages from third parties on a display area on one or more surfaces of the card. The multi-use card includes communication abilities to communicate with one or more external computing devices by way of near field communications. The multi-use card is configured with associated cards and messages via the near field communications. Additionally, the multi-use card includes a power source that is charged by way of near field communications with the card. | 2015-08-06 |
20150220914 | Electronic Wallet Management Apparatuses, Methods and Systems - The ELECTRONIC WALLET MANAGEMENT APPARATUSES, METHODS AND SYSTEMS (“EWM”) transforms wallet settings and transaction inputs into transaction and wallet management outputs. For example, an input is received from a user through an electronic wallet management interface. The electronic wallet management interface including a plurality of user-selectable icons or text. A control is provided to the user based on a selected icon or text, wherein controls available to the user through the electronic wallet management interface include a payment device control that enables the user to view and edit settings for a payment device associated with the electronic wallet. | 2015-08-06 |
20150220915 | Electronic Smart Wallet - A method for helping a consumer select an advantageous method of paying for a transaction. By providing a consumer with advantages and/or disadvantages of each payment method, the user can select a payment option while reviewing potential outcomes of the using different payment options. | 2015-08-06 |
20150220916 | TECHNIQUES FOR AN IN-VEHICLE ELECTRONIC WALLET - Various embodiments are generally directed to an apparatus, method and other techniques for activating a payment account for an vehicle electronic wallet component and to associate the payment account with a vehicle. In various embodiments, a request for payment for a transaction may be received over a contactless communication link when the vehicle is in proximity to a payment processing entity and authentication information to approve the request for payment may be received. The payment information corresponding to the payment account may be transmitted over the contactless communication link to the payment processing entity to enable payment for the transaction. Other embodiments are described and claimed. | 2015-08-06 |
20150220917 | TOKEN VERIFICATION USING LIMITED USE CERTIFICATES - Methods, devices, and systems are provided for verifying tokens using limited-use certificates. For example, a user device can send a token request to a token provider computer, and receive in response a token and a token certificate associated with the token. The token certificate may include, for example, a hash of the token and a digital signature by the token provider computer or another trusted entity. The user device can provide the token and the token certificate to an access device. The access device can verify the token using the token certificate, and verify the token certificate using a digital signature. In some cases, the token and token certificate may be verified offline. The access device can then conduct a transaction using the token. | 2015-08-06 |
20150220918 | BIOMETRIC ACCOUNT CARD - An apparatus can include a display; memory that stores biometric information and account information for at least one account; a biometric sensor that senses biometric information; authentication circuitry that authenticates sensed biometric information at least in part via a comparison to stored biometric information; display circuitry that renders account information to the display responsive to authentication of sensed biometric information; selection circuitry that selects one of said at least one account associated with account information rendered to the display; and a field generator that generates an output session that outputs at least one magnetic field that represents account information for the selected one of said at least one account. Various other apparatuses, systems, methods, etc., are also disclosed. | 2015-08-06 |
20150220919 | PAYMENT CARD FRAUD PREVENTION SYSTEM AND METHOD - Some embodiments include a process to prevent card payment fraud by using a specified duration of time to limit fraudulent card payment activity. In some embodiments, the process uses a timed authorization period which starts prior to a transaction and during which the transaction is to be completed with a payment card. | 2015-08-06 |
20150220920 | METHOD AND SYSTEM FOR OPTIMIZING FORCE POSTED PAYMENTS - A method for force posting clearing transactions includes: storing, in a memory, a chargeback ratio associated with a merchant and a chargeback threshold; receiving, by a receiving device, a plurality of declined authorization requests, wherein each declined authorization request is associated with a payment transaction involving the merchant; identify, for each of the received declined authorization requests, a fraud or chargeback score, wherein the fraud or chargeback score represents a likelihood of the associated payment transaction being fraudulent or charged back; identifying, by a processing device, a subset of declined authorization requests where each declined authorization request included in the subset is based on the respective identified fraud or chargeback score, wherein a number of declined authorization requests in the subset is based on a correspondence between the chargeback ratio and the chargeback threshold; and submitting a clearing record for each declined authorization request in the identified subset. | 2015-08-06 |
20150220921 | Codes Providing Authentication and Additional Functionality - Systems, methods and apparatuses for authenticating a user via a machine-readable code arranged on a reusable payment device and a computing device are provided. An image of the machine-readable code may be received from a computing device, such as a mobile device. If it is determined that a match exists between a user associated with the mobile device and a user associated with the machine-readable code and/or reusable payment device, a user may be authenticated and may be provided with account information and/or account functionality. In some examples, the authentication may be used to pre-populate payment information during a transaction. | 2015-08-06 |
20150220922 | Methods and Apparatus for Providing Secure Identification, Payment Processing and/or Signing Using a Gesture-Based Input Device - Described are apparatus and methods for providing secure identification, payment processing and/or signing using a gesture-based input device without biometrics. | 2015-08-06 |
20150220923 | Real-Time Spend Management with Savings Goals - A computer-implemented method, including receiving, by one or more computer systems, a withdrawal request for withdrawal of funds from one or more financial accounts; determining, by the one or more computer systems, whether a discretionary balance of the one or more financial accounts is greater than or equal to an amount of the withdrawal request, with the discretionary balance being based on an amount of funds that are available in the one or more financial accounts and a portion of the available funds allocated to a savings goal; causing an approval of the withdrawal request when the discretionary balance is greater than or equal to the amount of the withdrawal request; and sending a real time notification to a client device of a user associated with the one or more financial accounts when the discretionary balance is less than the amount of the withdrawal request with a real time opportunity for the user to reduce funds allocated to savings goals if required and thereby increasing the discretionary balance to facilitate the approval of withdrawal request. | 2015-08-06 |
20150220924 | METHOD AND SYSTEM FOR LINKING A CUSTOMER IDENTITY TO A RETAIL TRANSACTION - A system, method and computer program product for linking a customer identity to a retail transaction, including a loyalty processing system receiving from a customer device a location of the device; receiving a partial credit card number from a retail transaction performed by the customer; determining if the partial credit card number matches a profile of the customer; determining if the customer is at a location of the retail transaction based on the received location, and the partial credit card number from the retail transaction matching the partial credit card number in the profile; receiving an ID number associated with the customer, and/or the customer device; authenticating the customer based on matching the received ID number with a corresponding ID number in the profile; and if the customer is at the location of the retail transaction, and authenticated, providing loyalty related services including points, rewards issuance, and/or marketing offers. | 2015-08-06 |
20150220925 | DYNAMIC ALTERATION OF TRACK DATA - Using discretionary data fields to secure transactions comprises a payment system employing a server configured to associate a payment account of a user with a user computing device, the payment account comprising a payment account identifier that identifies the payment account, and establish a authentication challenge and an corresponding challenge response. The payment system receives a first payment authorization request originating from a merchant computing system comprising the payment account identifier, data associated with the payment account identifier, and a request to fund a transaction using the payment account, wherein the data associated with the payment account identifier comprises a challenge response provided by the user computing device located in a discretionary data field. The payment system compares the provided challenge response with the corresponding challenge response, and approves the transaction based on whether the provided challenge response and the corresponding challenge response match. | 2015-08-06 |
20150220926 | ADAPTIVE SECONDARY AUTHENTICATION CRITERIA BASED ON ACCOUNT DATA - An authentication challenge system for performing secondary authentication for an account associated with an online store is described. In one embodiment, the authentication challenge system includes a question generation engine, which can derive a series of questions based upon activity associated with a user account of an online store; a network interface, which can transport the series of one or more questions derived by the question generation engine to authenticate the user to the online store; a confidence engine, which can determine a required confidence level for a successful authentication, and can compute a confidence score of the user identity; and a quality engine, which can adjust the question generation engine and the confidence engine based upon an analysis of question and answer metrics across multiple accounts of the online store. The online store can include digital media, such as music, movies, books or applications for electronic computing devices. | 2015-08-06 |
20150220927 | METHOD, APPARATUS AND SYSTEM FOR PROVIDING TRANSACTION INDEMNIFICATION - Techniques and mechanisms to provide indemnification for a transaction involving communications between networked devices. In an embodiment, attestation logic of a first device sends to a second device attestation information to indicate a trustworthiness level of first device. Based on the attestation information, indemnification logic of the second device determines an indemnification value representing a cost of an indemnification for a first transaction. Indemnification logic of the first device receives the indemnification value and determines, based on the indemnification value, whether a participation in the transaction is to take place. | 2015-08-06 |
20150220928 | PLATFORM FOR THE PURCHASE AND SALE OF DIGITAL CURRENCY - A platform for buyers and sellers of digital currency is disclosed. The platform comprises different modules which can be used alone or in combination. When used together, they provide for a fully automated experience for a user, from account sign-up through to funds settlement. Using the platform, a buyer or seller can participate in virtually instantaneous transactions of digital currency. The platform can be expanded to buy and sell other commodities in addition to digital currency. The platform can permit users to fund or settle accounts using commodities such as gold rather than a globally traded currency. | 2015-08-06 |
20150220929 | PASSENGER BEHAVIOUR RATING FOR IMPROVED RISK MANAGEMENT IN TRANSIT SYSTEMS - A communication is received from a fare media which includes a token associated with a transit account and a risk score based on a usage history of the account which is indicative of a likelihood of default associated with the account. One or more positive or negative lists are received from a server. Positive lists include first account identifiers associated with accounts in good standing. Negative lists include account identifiers associated with accounts in poor standing. A determination whether the token is associated with an account represented by one of the first or one of the second account identifiers is made. A determination, based on the risk score or the determination of the association of the token is made whether to grant access to the transit system. Information related to the determination of whether to grant access is communicated to the server. Access is granted to the transit system. | 2015-08-06 |
20150220930 | PAYMENT CARD FRAUD PREVENTION SYSTEM AND METHOD - The invention described in this specification relates generally to fraud prevention, and more particularly, to prevention of payment card-based fraud. (FIGS. | 2015-08-06 |
20150220931 | Use of a Biometric Image for Authorization - A second user can authorize a first user to take or complete an online action by submitting one or more biometric images. For example, the second user can authorize a purchase by the first user on an online store. The second user can submit the one or more biometric images on the electronic device being used by the first user, or the second user can submit the biometric image or images remotely using another electronic device. | 2015-08-06 |
20150220932 | BIOMETRIC AUTHENTICATION OF MOBILE FINANCIAL TRANSACTIONS BY TRUSTED SERVICE MANAGERS - In one embodiment, a method comprises storing a biometric trait of a user in a data communication device of the user, comparing a biometric trait input into the device with the biometric trait stored in the device, generating a certificate authenticating the user within the device if the biometric trait input into the device matches the biometric trait stored in the device, and facilitating a financial transaction of the user using the certificate. | 2015-08-06 |
20150220933 | METHODS AND SYSTEMS FOR MAKING SECURE ONLINE PAYMENTS - A method and system for making secure online payments are disclosed. The method includes sending a request for making a payment to a payment platform, the request including a payment account number and a payment amount; receiving a prompt from the payment platform, the prompt requesting authentication data, the authentication data including fingerprint data and fingerprint collection terminal identification data; and sending requested authentication data to the payment platform. The method further includes receiving data indicating that the payment platform has made the requested payment. The method and system consistent with the present disclosure may authenticate a user before making a secure online payment and improve the security and user experience in making payments online. | 2015-08-06 |
20150220934 | METHODS AND APPARATUS FOR REGISTERING PRODUCTS WITH MANUFACTURERS AT POINT OF SALE - A method includes reading purchased-item information by a point-of-sale (POS) device from a purchased item presented to the POS device. The method further includes determining by the POS device that the purchased item is eligible for warranty registration, and reading a payment card by the POS device. The method also includes querying a customer by the POS device as to whether the customer wishes to trigger warranty registration for the purchased item, and receiving by the POS device an indication from the customer to trigger warranty registration for the purchased item. In addition, the method includes sending by the POS device a message to a customer profile server to trigger warranty registration of the purchased item. | 2015-08-06 |
20150220935 | PAYMENT SERVICE SUPPORT APPARATUS, PAYMENT SERVICE SUPPORT SYSTEM, AND PAYMENT SERVICE SUPPORT METHOD - Provided is a payment service support apparatus including: a payment waiting state detector which detects a state of a customer waiting for a payment, based on an image obtained by imaging a payment waiting area where customers waiting at a cash register for a payment stay; a person-in-store state detector which detects a state of persons staying in the store, based on an image obtained by imaging the inside of the store; an alert determinator which determines advisability of an alert instructing an action to decrease the customer's waiting time for the payment, based on the detected result of the payment waiting state detector and the detected result of the person-in-store state detector; and an alert executer which makes the alert, based on the determined result of the alert determinator. | 2015-08-06 |
20150220936 | VALUABLE DOCUMENT AUTHENTICATION METHOD AND DEVICE - A valuable document authentication method and device. Whether a valuable document, an image sensor or a first sensor has shifted or not, the effect of authenticating the valuable document will not be affected, because a reference unit is needed to determine the location relationship between the image sensor and the first sensor before the valuable document is authenticated, thereby preventing an error occurring with the authenticated valuable document due to the fact that each sensor has shifted; moreover, when the valuable document is authenticated, even if the valuable document has shifted, the correctness of the valuable document authenticated can also be guaranteed by the conversion of the location relationship between a detection object and the sensor. Therefore, the solution provided in the present invention improves the identification accuracy and working efficiency of the authentication device, thereby providing convenience for users. | 2015-08-06 |
20150220937 | SYSTEMS AND METHODS FOR APPENDING PAYMENT NETWORK DATA TO NON-PAYMENT NETWORK TRANSACTION BASED DATASETS THROUGH INFERRED MATCH MODELING - A method includes receiving a first data set and a second data set. The first data set may include anonymized transaction data that represents purchase transactions made by customers of a merchant. The second data set may include anonymized transaction data that represents purchase transactions made by cardholders in a payment network. The method further includes filtering the second data set to remove therefrom data relating to cardholders who are not customers of the merchant, and processing the first data set and the filtered second data set using a probabilistic engine to establish linkages between data in the first data set and data in the filtered second data set. The method may also include analyzing data in the filtered second data set to generate one or more of shopping habits data, classification data and attribute data with respect to customers of the merchant. | 2015-08-06 |
20150220938 | Trend Data Aggregation - Systems and methods are provided for collecting, sorting, and reporting data sets representing transactions, product reviews, social media product mentions, or the like. According to embodiments of the present disclosure, a trend aggregation system includes a backend data collector, a trend database, and a trend server. Data may be gathered from heterogeneous sources such as transaction records, product reviews posted by consumers on web sites, and product mentions posted on social network platforms. The data may be sorted and stored in a way to provide recall of trend data segments filtered according to selected parameters. | 2015-08-06 |
20150220939 | Monetization Channel Exchange - The present disclosure provides a monetization channel exchange system for selecting and implementing a monetization channel for an application. The monetization channel exchange system may identify a plurality of monetization channels and determine a projected revenue for an application based on each of the plurality of monetization channels. A score may be generated for each channel of the plurality of monetization channels based on the projected revenue for the channel. Next, a first monetization channel of the plurality of monetization channels may be selected based on the score of the first monetization channel. As a result, the first monetization channel may be implemented for the application. | 2015-08-06 |
20150220940 | TREND DATA COUNTER - Systems and methods are provided for collecting, sorting, and reporting data sets representing transactions, product reviews, social media product mentions, or the like. According to embodiments of the present disclosure, a trend aggregation system includes a backend data collector, a trend database, and a trend server. Data may be gathered from heterogeneous sources such as transaction records, product reviews posted by consumers on web sites, and product mentions posted on social network platforms. The data may be sorted and stored in a way to provide recall of trend data segments filtered according to selected parameters. | 2015-08-06 |
20150220941 | VISUAL TAGGING TO RECORD INTERACTIONS - Digital content can be tagged to record potential interactions, causing each occurrence of the tagged interaction to be recorded. A source document defining the digital content can be scanned to identify each featured area along with the potential interactions that each of the featured areas is configured to receive, which can then be presented over a visual representation of the digital content where they can be tagged, thereby causing each occurrence of the tagged interaction to be recorded. An entry in a recording index including an featured area identifier, an interaction identifier and an interaction count, can then be created. Upon receiving a reporting message identifying a detected interaction on the digital content, the reporting index can be searched for an entry corresponding to the detected interaction. If an entry is found, the interaction count can be incremented to record the detected occurrence of the tagged interaction. | 2015-08-06 |
20150220942 | DATA COLLECTION AND REPORTING SYSTEM - A computer-implementable method to track major financial metrics and the leading indicators of those metrics, including customer, employee and marketing metrics; to integrate those metrics into a data collection and dashboard reporting system; and to enable monitoring of key indicators of health of a business on a periodic basis. | 2015-08-06 |
20150220943 | AUTOMATIC PROFILING OF A MOBILE DEVICE AND/OR ITS USER - In embodiments, a unique ID may be generated for a user of a mobile device by requesting, from a DNS server, an address record for each domain name of a series of domain names to create an address record set. The address record for each domain name may be randomly selected from a group of address records associated with the respective domain name. The unique ID may then be generated utilizing the address record set. In other embodiments, a list of URI schemes may be sent to the mobile device, which may respond with an indication of a subset of the URI schemes that are supported by the mobile device. This subset of the URI schemes may then be correlated with one or more associated native applications to identify native applications installed on the mobile device to automatically profile the mobile device. Other embodiments may be described and/or claimed. | 2015-08-06 |
20150220944 | OBTAINING REAL ESTATE SALES LEADS - A method for generating sales leads may include mapping data fields between a remote real estate listings database and a local listing database, and providing a database adapter to migrate listings from the remote database to the local database according to the data field mapping, querying a listing database for listings within a selected time interval and geographical region, receiving a base set of listings, executing filters that remove listings for property currently for sale or that have changed ownership since the original listing date from the base set of listings, and adding the base set of listings into the local listing database. A system and apparatus corresponding to the above methods are also disclosed herein. | 2015-08-06 |
20150220945 | SYSTEMS AND METHODS FOR DEVELOPING JOINT PREDICTIVE SCORES BETWEEN NON-PAYMENT SYSTEM MERCHANTS AND PAYMENT SYSTEMS THROUGH INFERRED MATCH MODELING SYSTEM AND METHODS - A method includes receiving a first data set and a second data set. The first data set may include anonymized transaction data that represents purchase transactions made by customers of a merchant. The second data set may include anonymized transaction data that represents purchase transactions made by cardholders in a payment network. The method further includes filtering the second data set to remove therefrom data relating to cardholders who are not customers of the merchant, and processing the first data set and the filtered second data set using a probabilistic engine to establish linkages between data in the first data set and data in the filtered second data set. The method may also include performing a predictive analysis based on one or more independent variables from the second data set and with a dependent variable represented in the first data set. | 2015-08-06 |
20150220946 | System and Method of Trend Identification - Improved systems and method as disclosed herein, provide automated analysis tools for more refined trend analysis and evaluation of identified trends. Communication data may be recognized as either audio or textual data which may be processed and analyzed in real-time (as in the case of streaming audio data) or processed at a time apart from the acquisition of the communication data. If the communication data is audio data, then the audio data, may undergo a transcription, which may employ the exemplary technique of large vocabulary continuous speech recognition (LVCSR) or other known speech-to-text algorithms or techniques. Alternatively, the communication data may already be in the form of a transcription or the communication data may have originated as textual data, exemplarily the communication data is from an internet web chat, email, text message, or social media. | 2015-08-06 |
20150220947 | POLLING STATEMENT FEEDBACK SYSTEM AND METHODS - Various systems, methods, and apparatuses are described for determining feedback to a polling statement. One example method may comprise generating a barcode associated with a response to a polling statement. The example method may further comprise enabling display of the barcode for receiving feedback on the polling statement via scanning of the barcode. Another example method may comprise generating a barcode associated with a response to a polling statement. The other example method may further comprise receiving feedback on the polling statement based at least in part on at least one individual scanning the barcode. Similar and related methods, apparatuses, systems, and computer program products are also provided. | 2015-08-06 |
20150220948 | ON-SITE ELECTION METHOD AND APPARATUS - Described are a system, method, and apparatus for providing on-site election services. In one embodiment, a method for providing on-site election services comprises generating an identification of goods or services for election by a plurality of customers, each customer operating a respective wireless communication device, providing the identification of goods or services to the plurality of customers, receiving an election from at least one of the wireless communication devices, the election indicative of at least one of the goods or services in the identification of goods or services, tallying the elections received from the at least one wireless communication device, and sending a result of the election to the wireless communication devices, the result comprising an indication of the tally for at least one of the goods or services in the identification of goods and services. | 2015-08-06 |
20150220949 | SYSTEMS AND METHODS FOR GENERATING AND COLLECTING SURVEYS - Various embodiments are provided generally relating to providing surveys for mobile devices. In some embodiments, one or more media items may be received from a mobile device by an external device. A survey may be selected based on receiving the one or more media items. The survey may also be provided to the mobile device. For example, a mobile device may send a photograph of a meal to the external device, and a survey may be selected based on the received photograph. | 2015-08-06 |
20150220950 | ACTIVE PREFERENCE LEARNING METHOD AND SYSTEM - A relative labeling approach is disclosed to learn an item preference scoring function to rank items for a user. An iterative process may be used to present a set of items to a user in an interactive user interface, using which the user is asked to identify one of the items in the set that the user prefers over the other items in the set. Input received from the user may be considered to be a “labeling” of the items in the set relative to each other. Subsequent labeling input may be added to previous labeling input to generate an updated preference scoring function for the user. Selection of each item for inclusion in the set of items presented to the user may be based on a measure of the knowledge that may be gained by including the item in the set. | 2015-08-06 |
20150220951 | METHOD AND SYSTEM FOR INFERRING AN INDIVIDUAL CARDHOLDER'S DEMOGRAPHIC DATA FROM SHOPPING BEHAVIOR AND EXTERNAL SURVEY DATA USING A BAYESIAN NETWORK - Disclosed herein is a method for identifying a member of a group with particular demographic characteristics. The method involves identifying purchasing behaviors of members of a group with particular demographic characteristics via market research, gathering transaction data from a financial account of a user at a financial institution for processing transactions of the user with the multiple of merchants, using the market research to set prior probabilities that a user is a member of the group in a Bayesian belief network, analyzing the transaction data of the user via a Bayesian belief network to determine whether the transaction data of the user indicates that the user is an individual member of the group with the particular demographic characteristics, and presenting to the user at least one of an offer and a savings opportunity from a merchant seeking to contact members of the group with the particular demographic characteristics. | 2015-08-06 |
20150220952 | LOCATION-BASED COGNITIVE AND PREDICTIVE COMMUNICATION SYSTEM - A location-based cognitive and predictive communication system includes an interface connected to sensors to receive transactional data for an individual measured by the sensors. A memory stores the transactional data. The transactional data may be associated with a current travel path for the individual and includes a time and geographic location for the individual on the travel path. A prediction module may determine a current activity for the individual based on a prediction determined from the transactional data and may determine a choice set for the individual based on the current activity and based on predictions for a group for which the individual is a member. The choice set may include choices associated with transportation for the current travel path of the individual. | 2015-08-06 |
20150220953 | SYSTEMS, APPARATUSES AND METHODS FOR PERFORMING ENTERPRISE ANALYSIS AND SITE ANALYSIS OF INFORMATION TECHNOLOGY COSTS - Tools (such as systems, apparatuses, methodologies, computer programs, etc.) are provided for performing analysis of information technology provisions and/or costs, for an enterprise or another organization. For example, such tools are configured to quickly obtain data that is needed for the analysis and to present average price as one of the user-selectable options for product cost. | 2015-08-06 |
20150220954 | METHOD AND SYSTEM FOR SECURE AND FLEXIBLE PROVIDING OF CUSTOMER REWARD DATA - A method in a first server for secure and flexible providing of customer reward data, the method comprising generating a first set of reward ticket data values, wherein generating said first set further comprises determine each reward ticket data value as either a reward generating value or a non-reward generating value; obtaining a predefined ordered second set of instances of reward ticket data value bins configured to comprise reward ticket data values and descriptive metadata; assigning exclusive subsets of said first set of reward ticket data values to said second set of instances of reward ticket data value bins based on said descriptive metadata; receiving a request for delivery of a third set of reward ticket data values from a second server, wherein said request for delivery of a third set of ticket data values comprises a second parameter set; selecting said third set of reward ticket data values from said second set of instances of reward ticket data value bins based on said second parameter set; modifying reward ticket redemption status values comprised in said reward ticket data values of said selected third set of reward ticket data values to indicate that said selected third set of ticket data values have been redeemed; sending a response for delivery to said second server, wherein said response for delivery is comprising said selected third set of ticket data values. | 2015-08-06 |
20150220955 | CONDITION BASED REWARD OFFERING - Systems, methods, and devices of the various embodiments may enable merchants to provide individual rewards to customers. The various embodiments may enable the merchants to couple the offer of a reward to a certain behavior of the customer, in particular related to a contribution of the user to the marketing of the product or service related to said offer of a reward, and to revoke the offer of a reward under predetermined conditions. | 2015-08-06 |
20150220956 | Creating Consumable Content with Embedded Codes, and Tracking use of Embedded Codes - Methods, systems, means and machine-readable media embodying program instructions for creating codes, creating content with the codes, and tracking use of the codes are described. Certain methods may generate a code that includes a number of characters, determine different sections in selected content at which to insert different characters of the code such that none of the characters will be inserted in the same section, and generate new content that includes each of the characters inserted at its respective section in the selected content. | 2015-08-06 |
20150220957 | METHOD AND SYSTEM FOR PAYMENT CARD LINKED OFFER GENERATION - A method for discounting a payment transaction include: storing, in a memory, transaction data for a payment transaction, wherein the transaction data includes at least a transaction amount; receiving, by a receiving device, payment data associated with a payment account, wherein the payment data includes at least a payment account number; receiving, by the receiving device, offer data, wherein the offer data includes an offer identifier associated with the payment account and a transaction modifier; encrypting, using a predetermined encryption key, at least a portion of the payment account number to obtain an encrypted account number; and updating, in the memory, the transaction amount included in the transaction data based on the transaction modifier if the encrypted account number corresponds to the offer identifier. | 2015-08-06 |
20150220958 | SYSTEMS AND METHODS FOR LOYALTY PROGRAMS - Systems, devices and methods for a loyalty system are described. A method includes receiving, at least one processor associated with a transaction processing system, transaction data associated with a transaction between a customer and a merchant; upon or concurrently with clearing the transaction, determining, with the at least one processor, a membership classification for the transaction; and generating, at the at least one processor, signals for accruing an interchange fee based on the membership classification and the transaction data. | 2015-08-06 |
20150220959 | Adaptable and Intelligent User Incentive System - Novel tools and techniques are provided for implementing adaptable and intelligent user incentives programs for reward systems and/or for identifying, matching, and/or grouping users (in some cases, based on common characteristics of the users). The user incentive system is dynamic, highly customizable, and rely on analyses of usage patterns of specific users or groups of users with similar demographics. The system generates and implements a customized rewards program for the user based on such analyses, and tracks the behavior of the user in response to such implementation, then updates the rewards program accordingly. In some embodiments, grouping users based on profile characteristics, user response characteristics, and/or historical characteristics allows users to quickly request consumer responses and/or opinions, or to extract data from previously elicited responses, from other users “like” the user, and to report such responses to the user on a real-time basis, for answering polls or purchasing items, etc. | 2015-08-06 |
20150220960 | OPT IN SYSTEM AND METHOD - A financial transaction system includes a computer readable storage medium and a processor in communication with the computer readable storage medium. The processor is configured to receive a financial transaction request message from a payment device reader, and parse the financial transaction request message. The financial transaction request message includes a cardholder response to an offer to enroll in a loyalty program of a commercial entity. The processor is further configured to store the cardholder response in the computer readable storage medium. | 2015-08-06 |
20150220961 | METHOD, SYSTEM AND TOOL FOR FACILITATING FINANCIAL TRANSACTIONS - A method, system and tool for facilitating financial transactions is presented to enable intermediaries to connect a plurality of large institutions to help those institutions to precisely target their potential customers via an intermediary device. which aids the efficiency and effectiveness of participant organisations to cross-promote their products. | 2015-08-06 |
20150220962 | CONSUMER REWARDS PLATFORM FEATURING VARIABLE CASH BACK REWARDS BASED ON TIME OF DAY - Disclosed are platforms, systems, media, and methods for providing a membership-based consumer rewards program wherein member consumers achieve rewards based on the time of day and day of week by conducting payment card transactions with business participating in the membership-based consumer rewards program during qualifying times and days. | 2015-08-06 |
20150220963 | PRE-PAYMENT USES OF TRANSACTIONAL DATA OBTAINED AT THE POINT OF SALE - Representative embodiments of a method of electronically providing promotional offers to a consumer at a point of sale include, at a server, electronically receiving, from a merchant device, a consumer-originated transaction request for processing payment to complete the transaction; electronically transmitting, to a plurality of third parties registered with the server, information contained in the transaction request to enable the third parties to formulate promotional offers; and electronically receiving the promotional offers from the third parties and subsequently transmitting at least one of the offers to a mobile device associated with the consumer. | 2015-08-06 |
20150220964 | INFORMATION PROCESSING DEVICE AND METHOD OF SETTING ITEM TO BE RETURNED - An information processing device includes: a retaining unit that retains completed transaction data formed by plural statement records each including at least a product code of a product included in a completed transaction, and special sales information that enables determination as to whether a product is a limited sales product to which a limited sales price is applied; an acquiring unit that acquires a product code and special sales information, each of which concerns a candidate to be returned selected through user operation performed on an item return screen; a judging unit that judges whether a relevant statement record is contained in the retained completed transaction data and the special sales information concerning the candidate to be returned indicates a limited sales product to which a limited sales price is applied or not, the relevant statement record being a record other than a statement record including the product code and the special sales information, each of which concerns a candidate to be returned, the relevant statement record including a product code the same as the product code concerning the candidate to be returned, the relevant statement record including the special sales information indicating that the product is not a limited sales product to which a limited sales price is applied. | 2015-08-06 |
20150220965 | METHOD FOR GENERATING, DISTRIBUTING, and REDEEMING ELECTRONIC COUPONS - A method is provided for offering and distributing digital coupons from promoters to users via a network. The method includes the steps of receiving the digital coupons, storing them on a central computer, and associating them with a product identifier. The user selects a selected product identifier, and the digital coupons associated with the selected product identifier are then transmitted to the user, who can then select a selected digital coupon, for use. Data regarding selection of and redemption of the digital coupons is reported in real time or near-real-time, so that a promoter is able to track the results generated by their digital coupons, track the results achieved by competitors, and dynamically adjust the value and other terms of their digital coupons. The promoter pays a fee for the placement of and/or redemption of each of the digital coupons. | 2015-08-06 |
20150220966 | RESTAURANT RESERVATION SYSTEM AND METHOD - A mobile App enables customers and restaurants to communicate with one another to negotiate reduced costs for meals at specified reservation times when the restaurant is otherwise light for business. As an example, the App enables the customer to specify either a percentage reduction on the total bill or a budget price for the entire meal. The restaurant may either accept the offer or provide counteroffers. Once agreed upon, if the customer is a no show, the customer compensates the restaurant for operational costs in saving the table by paying a previously agreed upon penalty fee. | 2015-08-06 |
20150220967 | DELIVERY DEVICE, DELIVERY METHOD, FACILITY DEVICE, AND DELIVERY SYSTEM - A delivery device according to the present disclosure includes a providing unit and a delivering unit. The providing unit provides a sales service related to a space (for example, an advertisement space) of second content (for example, an advertisement) provided together with first content (for example, a movie) in a facility (for example, a movie theater) providing the first content. The delivering unit delivers associated information in which the second content corresponding to a right holder that has acquired a right related to the space in the sales service provided by the providing unit is associated with space information related to the space to the facility. | 2015-08-06 |
20150220968 | DELIVERY DEVICE, DELIVERY METHOD, FACILITY DEVICE, AND DELIVERY SYSTEM - A delivery device according to the present disclosure includes a submission receiving unit, a request receiving unit, and a delivering unit. The submission receiving unit receives submission of second content (for example, an advertisement) provided together with first content (for example, a movie) in a facility (for example, a movie theater). The request receiving unit receives an acquisition request to acquire the second content. The delivering unit delivers information related to the second content corresponding to the acquisition request received by the request receiving unit among pieces of the second content received by the submission receiving unit. | 2015-08-06 |
20150220969 | METHOD AND APPARATUS FOR PROVIDING MISSION SERVICE BASED ON USER LIFE LOG IN WIRELESS COMMUNICATION SYSTEM - A method and an apparatus provide a customized service based on a user log in a wireless communication system. A method of a terminal collects user data existing inside a terminal. The method transmits the user data to a log manage server. The method receives a mission determined based on user data from the log manage server. The method transmits performance results regarding the mission to the log manage server. | 2015-08-06 |
20150220970 | REPRESENTATIVE USER JOURNEYS FOR CONTENT SESSIONS - Systems, methods, and computer-readable storage media for determining user journeys during presentations of content. The system first determines an average time spent for sessions associated with a presentation of content. Next, the system identifies a representative group of sessions from the sessions by identifying each of the sessions having a respective time spent within a statistical range from the average time spent for the sessions. The system then determines a most common path of events from the representative group of sessions to yield a most common user journey associated with the presentation of content. | 2015-08-06 |
20150220971 | OPTIMIZATION AND ATTRIBUTION OF MARKETING RESOURCES - Example systems and methods for optimization and attribution of marketing resources are described. In one implementation, a method retrieves transaction data associated with one or more offline stores and user data of users that are exposed to a marketing campaign. The method also correlates the transaction data to the user data to measure marketing attribution and modify the marketing campaign. | 2015-08-06 |
20150220972 | Management Of The Display Of Online Ad Content Consistent With One Or More Performance Objectives For A Webpage And/Or Website - Systems and methods are disclosed for managing the display of online ad content consistent with one or more e-commerce objectives. A collection module may be operable to collect attribute values for a set of attributes characterizing user visits to a set of training webpages and subsequent attribute values for a subsequent user visit to a subsequent webpage. A model-generation module may be operable to train a probability model with the attribute values that predicts outcomes for at least one performance metric. A display module may be operable to determine whether to display ad content on the subsequent webpage for the subsequent user visit depending on whether a predicted outcome from the probability model that is relevant to the subsequent attribute values is consistent with one or more e-commerce objectives. The probability model may be a decision tree with different predicted outcomes for different combinations of attribute values. | 2015-08-06 |
20150220973 | ADVERTISEMENTS IN VIEW - A technique is provided to determine whether a region within a web page is viewable to a user through a browser window. Often, browsers will only show part of a web page at given time, creating a difficulty in establishing whether a region of the web page, which may be an advertisement for example, is in view. This is addressed by providing one or more test features within the region, rendering the web page, monitoring a behavioural characteristic of the test features and determining whether the region is in view based on the monitored behavioural characteristic, wherein the behavioural characteristic varies according to whether the test feature is currently being displayed. One example of a behavioural characteristic is a frame progression rate. Browsers will typically redraw elements of a web page at a higher rate if they are currently in view through the browser window, and this characteristic can therefore be used to determine whether the test feature, and thus the region, is in view. The present invention finds particular utility where the region contains an advertisement, as it allows an advertiser to discover whether the advertisement has been seen by users. | 2015-08-06 |
20150220974 | MULTI-TOUCH ATTRIBUTION MODEL FOR VALUING IMPRESSIONS AND OTHER ONLINE ACTIVITIES - To implement a multi-touch attribution model, a conversion event resulting from user activity is programmatically detected. A set of events that precede the conversion event is identified. Respective events of the set occur on respective websites. The conversion event is attributed to multiple websites of the respective websites. | 2015-08-06 |
20150220975 | CLIENT ONLINE ACCOUNT MINIMUM ADVERTISED PRICE (MAP) POLICY MANAGEMENT APPLICATION SYSTEM, METHOD AND COMPUTER PROGRAM PRODUCT - A system, method or computer program product for minimum advertised price (MAP) policy and account management may include gathering online product pricing information from online sites advertising client product(s), including receiving client product and price information; receiving account information of the client including, e.g., name of an account advertising client product(s) or identifier of an online account site advertising the client product(s); gathering advertised client product and price information including: searching an online site (e.g., marketplace, aggregator, search engine, or account ecommerce site); saving the online advertised product and pricing data; and matching online advertised product and pricing data to client account; and presenting the online advertised product and price data related to the client product and pricing. The method may include communicating MAPP breaks to accounts; tracking communication history; measuring product advertising and/or search engine optimization effort; identifying prospects by effort measured; and/or client product placement by account. | 2015-08-06 |
20150220976 | Recommending a Budget for an Advertisement Presented on an Online System - An online system provides identifies multiple candidate budgets to an advertiser requesting presentation of advertisements via the online system. The advertiser may select a candidate budget used for presenting advertisements via the online system. A default budget may be identified from the candidate budgets to increase the likelihood of the advertiser selecting the default budget. The candidate budgets and the default budget are determined by the online system to maximize the likelihood that an advertiser elects to present advertisements via the online system or to maximize revenue received the online system for presenting advertisements from the advertiser. Various factors are specific to the advertiser, the object being advertised, and other contextual information may be used to determine the candidate budgets. | 2015-08-06 |
20150220977 | CAMPAIGN BUDGET CONTROLS VIA USER CONFIGURABLE LINE SPECIFICATIONS - Systems, methods, and computer-readable storage media for providing advertisers with a mechanism to dynamically adjust budget constraints in order to take into account the advertisers' preferences for targeting users associated with specific dimensions within the segments targeted by a campaign. In particular, advertisers can specify a line specification that sets forth soft and hard constraints, where the hard constraints set caps for spend and the soft constraints set forth desired range of spend for categories in one or more dimensions and a relative importance of the spend in each category. The line specification can then be used to derive spending preferences that can be used to guide how spend is allocated over time. | 2015-08-06 |
20150220978 | INTELLIGENT MULTICHANNEL ADVERTISEMENT SERVER - In accordance with the arrangements described herein, presentation of a first advertisement to a user in a first communication format via a first communication medium can be detected. A second communication medium being accessed by the user also can be detected. Responsive to detecting the second communication medium being accessed by the user, at least a second advertisement corresponding to the first advertisement can be presented to the user in a second communication format via the second communication medium, the second communication format being different than the first communication format. | 2015-08-06 |
20150220979 | Controlling a Commerce System with Omnipresent Marketing - A method of retail engagement controls a commerce system. A text string on a webpage is identified that relates to a product or product preference. The text string is identified by a web browser plugin. The text string is matched to a product available for purchase at a retailer. Information about the product is displayed adjacent to the text string. A hyperlink is established to add the product to a shopping list. The product is added to the shopping list by clicking the hyperlink. A plugin adds the product to the shopping list. The hyperlink is established in a popup menu or within the webpage. A deal is negotiated for the product at a retailer. A list of affinity products is displayed. A list of substitutable products is displayed. An affiliate fee is paid to the owner of the webpage. | 2015-08-06 |
20150220980 | System and Method for Targeted Advertising - Disclosed is a method of receiving an audio stream containing user speech from a first device, generating text based on the user speech, identifying a key phrase in the text, receiving from an advertiser an advertisement related to the identified key phrase, and displaying the advertisement. The method can include receiving from an advertiser a set of rules associated with the advertisement and displaying the advertisement in accordance with the associated set of rules. The method can display the advertisement on one or both of a first device and a second device. A central server can generate text based on the speech. A key phrase in the text can be identified based on a confidence score threshold. The advertisement can be displayed after the audio stream terminates. | 2015-08-06 |
20150220981 | PRODUCT PROMOTING SYSTEM - A product promoting system includes a storage unit storing data of one or more recipes, each of the one or more recipes being stored in association with at least one item for sale at a store, an operation unit located at the store and configured to receive a user input that selects a recipe from the one or more recipes, a processing unit configured to determine at least one item for sale at the store associated with the selected recipe, and an output unit configured to generate a first output including the selected recipe and a second output that encodes the at least one item for sale at the store that is determined to be associated with the selected recipe. | 2015-08-06 |
20150220982 | BOUNDED DATA BASED TARGETED MARKETING - A method and apparatus for bounded data based target marketing are disclosed. Bounded data based target marketing may include processing a bounded data set that includes a plurality of entities, wherein a first boundary condition of the bounded data set indicates that the bounded data set is associated with a provider, and a second boundary condition of the bounded data set indicates that the each entity from the plurality of entities is a customer of the provider. Bounded data based target marketing may include identifying a source entity from the plurality of entities, identifying, by a processor in response to instructions stored on a tangible non-transitory computer readable medium, a target entity from the plurality of entities on a condition that a probability that an offer from the source entity to the target entity is an acceptable offer exceeds an acceptability threshold, and indicating the offer to the target entity. | 2015-08-06 |
20150220983 | Systems and Methods of Determining Predictors Based on Transaction Data and Social Network Data - Disclosed are exemplary embodiments of systems and methods for processing data associated with a purchasing entity. In an exemplary embodiment, a method generally includes accessing transaction data including a plurality of payment card events, each of the plurality of payment card events occurring within a time interval and being associated with the purchasing entity. The method further includes accessing social network data based on a parameter of the purchasing entity, linking the transaction data and the social network data based on the purchasing entity, determining a predictor based on both the transaction data and the social network data, the predictor indicative of a possible future transaction by the purchasing entity and transmitting, to at least one of the purchasing entity and a merchant, the predictor and/or an offer associated with the predictor. | 2015-08-06 |
20150220984 | CUSTOMER ENGAGEMENT ACCELERATOR - Technologies are generally provided for an iterative and analytical service that draws on a customer's footprint, a company's institutional knowledge, and interactions between the two to augment these roles' capabilities for delivering enhanced customer experiences. An example service may facilitate the interactions between a company and its customers, by enabling customer facing roles to be faster, better, smarter, so that the customer feels served, supported, and powerful and that companies are more agile in how they deliver marketing, selling and customer service. Intelligent, scalable, and timely recommendations based on learned customer interaction and activity may be provided, while allowing any given person in an external facing role the autonomy of action. The company and customer actions may feed back into and iterate the model. | 2015-08-06 |
20150220985 | IDENTIFYING PURCHASE PATTERNS AND MARKETING BASED ON USER MOOD - A system and method for facilitating electronic commerce over a network, according to one or more embodiments, includes communicating with a user via a user device and a business entity via a business entity device over the network, monitoring user navigation events over the network, determining a mood of the user based on user navigation behavior, marketing to the user based on the mood of the user, and storing user information related to the user navigation events and the mood of the user. | 2015-08-06 |
20150220986 | Affiliate-Driven Benefits Matching System and Methods - In a method of matching a consumer to available benefits, benefit information is received for at least one benefit that an affiliate knows is offered by an enabling organization. From a consumer, enabling organization information is received pertaining to an enabling organization with which the consumer is affiliated. Consumer information is received from the consumer, including consumer identification information for identifying the consumer and consumer interest data for identifying an interest of the consumer. The consumer information, enabling organization information, and benefit information are stored in a computer memory. The consumer interest data, enabling organization information, and benefit information are analyzed automatically to determine whether any enabling organization to which the consumer is affiliated is offering a benefit for the consumer that is applicable to the consumer interest data. A message is displayed to inform the consumer of an available benefit applicable to the consumer interest data. | 2015-08-06 |
20150220987 | Method which uses: keywords or keywords combined with a sounds-like algorithm, geographic coordinates, and proximity, in order to match client service requests with service providers - In general, the following invention consists of a method which uses: keywords or keywords combined with a sounds-like algorithm, geographic coordinates, and proximity, in order to match client service requests with service providers. Keywords which are found within the description of the service request, which is provided by a client, are used to match relevant service providers. Additional relevancy is achieved by using the geographic coordinates of both client and provider, and determining their proximity. Service providers who operate within a certain proximity of a client, are relevant to the client, and vice versa. | 2015-08-06 |
20150220988 | METHOD AND APPARATUS FOR ASSOCIATING HOTKEYS WITH POINT OF INTEREST INFORMATION - An approach for associating one or more hot keys with point of interest information is described. A hot key activation platform causes, at least in part, an association of one or more hot keys with point of interest information. Activation of the one or more hot keys at at least one device causes, at least in part, a presentation of the point of interest information at the at least one device. | 2015-08-06 |
20150220989 | SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR PROVIDING DATA USE OPTIONS - Systems, methods, and computer program products are provided for location-based distribution of data. One or more sets of data from one of a plurality of partner systems are received and stored, each set of data including at least one of a location data and a range. Application information associated with each application of a plurality of applications stored on respective mobile device is retrieved. The application information includes at least application location information. A pool of eligible applications are identified from the plurality of applications, based on the application location information of each of the plurality of applications and at least one of the location data and range of one of the one or more sets of data. A message is generated for each of the applications in the pool of eligible applications, the message including at least a portion of the one of the one or more sets of data. The respective messages are transmitted over a communications network to the applications in the pool of eligible applications. | 2015-08-06 |
20150220990 | SYSTEMS AND METHODS OF SERVING PARAMETER-DEPENDENT CONTENT TO A RESOURCE - Methods, and systems, including computer programs encoded on computer-readable storage mediums, including a method for obtaining information about advertisement slots on resources (e.g., web pages). The method includes receiving a request to provide content for display in an ad slot of a web page presented on a user device; determining that parameter data specifying a parameter of the ad slot is not included in the request, the parameter being an indicator of a relative position of the ad slot on the web page; in response to determining that the parameter data is not included in the request, providing content to display in the ad slot to fulfill the request, the content including a tag configured to determine the parameter of the ad slot; receiving the parameter of the ad slot determined by the tag; and storing the parameter of the ad slot in a database. | 2015-08-06 |
20150220991 | EXTERNAL MESSAGING IN THE AUTOMOTIVE ENVIRONMENT - Systems, methods, and computer program products to perform an operation, by selecting a digital content based on an advertising context, and outputting at least a portion of the selected digital content for display on a transparent display proximate to a window of a display vehicle, whereby the digital content is viewable from a perspective external to the display vehicle. | 2015-08-06 |
20150220992 | PRESENTING AN ADVERTISEMENT IN A VEHICLE - A technique for providing advertisement information is disclosed. The technique includes, in part sending, from a device built into a vehicle, a first set of data to a server, the first set of data corresponding to measurements performed by one or more sensors, receiving a first set of elements from the server in response to the first set of data, presenting one or more elements from the first set of elements to a user of the vehicle on a display in the vehicle, and receiving at least one input corresponding to at least one selected element among the one or more elements. | 2015-08-06 |
20150220993 | System, Method and Apparatuses for Qualifying Mobile Devices and Providing Information Thereto - Disclosed is a method of qualifying mobile devices and providing information thereto including: receiving a probe request; ascertaining mobile device identity data embedded in the probe request and defining a prospective device identity data; determining whether the prospective device identity data are unqualified; and if not, providing the prospective device identity data to a push server. Apparatuses and systems for performing the method are disclosed as well. | 2015-08-06 |
20150220994 | Inserting a Search Box into a Mobile Terminal Dialog Messaging Protocol - A method, system, and computer program product for inserting a search box into a mobile terminal messaging dialog. Upon receiving a dialog message (e.g., an email message) from a first user device, the method determines the format (e.g., IMAP) of the dialog message in order to insert a similarly-formatted search box. Then, the method modifies the dialog message by inserting the selected search box into the dialog message. The method receives a request from a second user (at a mobile terminal) and the method transmits the outbound dialog message with the inserted search box to the second user's mobile terminal. The second user's mobile terminal supports a web browser, and some dialog messages include pre-populated text in the search box, the pre-populated text based on the dialog message from the first user device. The second user browses using the inserted search box without having to explicitly launch a browser | 2015-08-06 |
20150220995 | Method, system and architecture for increasing social network user interests in messages and delivering precisely targeted advertising messages - The present invention pertains to a method for delivering messages in a social network to increase a signal-to-noise ratio for the recipients of messages, characterized in that a process mechanism comprises of a diffusion process and a selection process combined through an adaptive process, in which:
| 2015-08-06 |
20150220996 | SYSTEMS AND METHODS FOR VIRAL PROMOTION OF CONTENT - Techniques for viral promotion of content are described. According to various embodiments, a user request to promote a content item to a member base of an online social network service is received. For example, the request to promote the content item may be received from an advertiser or marketer in conjunction with a request to receive a predetermined number of social activity signals (e.g., likes, shares, follows, comments, etc.) in association with the content item (e.g., as part of an advertising or marketing campaign). Viral promotion seed user definition information specifying one or more definitions of a viral promotion seed user is then accessed. Thereafter, a particular member of the online social network service is classified as the viral promotion seed user, based on the viral promotion seed user definition information. The content item is then selectively promoted to the viral promotion seed user. | 2015-08-06 |
20150220997 | Reputation Tiers for a Marketing Campaign - Systems and methods of the present invention provide for one or more server computers communicatively coupled to a network and configured to: transmit a marketing campaign from a first virtual internet protocol (IP) address; identify, during a transmission of the marketing campaign, a quantity of undeliverable or unsolicited email; determine whether the quantity of undeliverable or unsolicited email is equal to or greater than a threshold quantity of undeliverable or unsolicited email; and responsive to a determination that the quantity of undeliverable or unsolicited email is equal to or greater than the threshold quantity, transmit, prior to a conclusion of the transmission, the marketing campaign from a second virtual IP address. | 2015-08-06 |
20150220998 | ADVERTISEMENT DISTRIBUTION METHOD AND ADVERTISEMENT DISTRIBUTION SYSTEM - To provide an advertisement distribution method of determining a distribution destination of an advertisement of a product that has a low direct relevance to execution pieces of information collected from home appliances. The advertisement distribution method includes: a collecting step of collecting, from each of one or more of home appliances owned by each of users, one or more pieces of execution information each indicating a function that has been executed by the home appliance; a detecting step of, with respect to each user, detecting an unused function that has not been used in each home appliance by analyzing the collected pieces of execution information and functions of the home appliance; and a transmitting step of extracting a user who is expected to purchase a product based on a detection result, and transmitting an advertisement to one or more of the home appliances owned by the extracted user. | 2015-08-06 |
20150220999 | METHOD AND SYSTEM TO DYNAMICALLY ADJUST OFFER SPEND THRESHOLDS AND PERSONALIZE OFFER CRITERIA SPECIFIC TO INDIVIDUAL USERS - A system and method of targeting users with a reward, offer, or incentive may include selecting at least one reward, offer, or incentive to present to a user by applying at least one rule, restriction, or filter dictated by a merchant to the set to be provided to the user, applying at least one rule, restriction, or filter dictated by a financial institution to the set, and applying a filter to the set to obtain those rewards, offers, or incentives with the highest likelihood of being accepted by the user. At least one parameter of the at least one reward, offer, or incentive is adjusted prior to presentation to the user based on a spending trajectory, user propensity model, user profile information or segmentation criteria, or campaign goal. | 2015-08-06 |
20150221000 | SYSTEM AND METHOD FOR DYNAMIC GENERATION OF VIDEO CONTENT - An automated system method for dynamically generating a composite video clip by a computer. In some embodiments of the invention, a template may be provided including at least one digital media asset and one or more placeholders, each placeholder associated with a respective dynamic content object and a respective layout. The system and method may extract from one or more websites, for example, e-commerce sites, data items corresponding to each of the dynamic content objects, and generated a composite video clip including the media asset, wherein the dynamic content objects are replaced with respective extracted data and presented in association with the media asset based on their respective layouts. | 2015-08-06 |
20150221001 | METHODS AND SYSTEMS FOR FACILITATING DONATION OF PRESCRIPTION MEDICATION - Provided are methods, computer readable storage media, and systems for facilitating and receiving a donation of prescription medications through a peer-to-peer model. Exemplary methods include the steps of receiving registration information and a formulary from a recipient, receiving registration information from a donor, connecting the donor and recipient through communication of registration information, and verifying that the donor and recipient both approve a donation. Further methods include donation and recipient records for reconciling a medication donation. Other exemplary methods include the steps of providing a formulary to a medication donor, receiving registration information from a donor, approving the donor for donating a medication from the formulary, and receiving a donated medication, with further methods for reconciling and dispensing a donated medication. Computer readable storage media and computer-implemented systems including instructions for carrying out the described methods are also provided. | 2015-08-06 |
20150221002 | COMPUTERIZED SYSTEM FOR DELIVERING REASONABLY PRICED ACCESS TO CONTENT FROM MANY PUBLISHERS, INCLUDING PROVIDING OPTIMIZED PRICING OF REMOTE-ACCESS SUBSCRIPTIONS TO MEDIA CONTENT INCORPORATING VALUE OF INDIVIDUAL ITEMS OF CONTENT - A computer system and method in which users remotely access a system to proffer content that authorized users can access from remote locations. The system automatically stores content together with parameters that pertain to the content and facilitate users' access, and automatically and dynamically prices access to the articles in a manner relating prices to user behavior. In one improvement, the system and method enrich the system by calculating subscription prices for access to specified portions of the content, where the prices differ from each other based at least on the scope of content that a user selects. | 2015-08-06 |
20150221003 | BILLER-INITIATED ELECTRONIC BILLING ACTIVATION - This disclosure describes systems, methods, and computer-readable media related to biller-initiated electronic billing activation. A biller system associated with a biller may receive entity information associated with an entity requesting to establish a biller account with the biller. The biller system may generate the biller account. The biller system may generate an electronic billing activation request. The biller system may transmit to a service provider system associated with an electronic bill presentment and payment (EBPP) service provider, the electronic billing activation request and receive a confirmation of processing of the electronic billing activation request. | 2015-08-06 |
20150221004 | BUYING TIME VIA TIME SLOTS - Time slot marketplace management is described. A method includes receiving a request from a first entity to initiate an event between a first entity and a second entity, the request that includes a time to conduct the event and a proposed consideration. The method further includes providing, to the second entity, an identity of the first entity, the time and the proposed consideration. The method includes creating the event between the first entity and the second entity upon receiving an acceptance of the time and proposed consideration. The method includes receiving feedback from the second entity pertaining to the event after the event. In exchange for the proposed consideration, the second entity is required to provide the feedback related to the event. The method includes authorizing the consideration to be transferred to the second entity in response to receiving the feedback from the second entity. | 2015-08-06 |
20150221005 | SYSTEM AND METHOD FOR PROVISIONING OF INTERNET ACCESS SERVICES IN A GUEST FACILITY - A system and method for provisioning Internet access services to guests of a facility (e.g., one or more hotel chains). Equipment and devices for access service are installed throughout the facility. Each device that supports the Internet access services has a unique identifier. Zones representing various public and private areas within each facility are defined and one or more devices are associated with each zone. Service offerings for wired and wireless connections are defined and associated with one or more zones. Service offerings are also paired with pricing plans that provide various payment options and amounts. A web-based administration application allows an administrator to define and manage service offerings associated with the zones. The application also allows the administrator to define and manage the pricing plans. The ability to customize offerings in each facility allows development of consistent offerings, regardless of the size or layout of the facility. | 2015-08-06 |
20150221006 | SYSTEM, METHOD AND COMPUTER READABLE MEDIUM FOR TRADING - Localized trades for goods and services are posted online in return for other goods and services. Users of the system closing deals and executing trades provide feedback to each other and the system calculates a ranking for each user. A deal may be closed with an IOU, which the system keeps track of until it has been honoured. Trades involving more than two people can be concluded. | 2015-08-06 |
20150221007 | PERPETUAL COMMUNICATION SESSION: PORTABILITY / REUSABILITY ACROSS APPLICATIONS, NETWORKS AND DEVICES - A System with mechanisms that allows for creating, storing and resuming a session without being bound by time is proposed here. In a system that allows for communication between parties when one side of the party has an account with the system whereas others who are trying to reach this party do not, creating a session and allowing for the same users to come back to resume the session is proposed. Resuming the Session by any of the associated users to the session is supported. This session can be operated through various applications such as voice, video and chat and be accessed in various networks such as the interne and telephone network as well as across devices such as web browser, smart device apps and mobile phones with SMS capability. The system proposed supports porting and reusability of the session across networks, applications and devices. | 2015-08-06 |
20150221008 | Print Product Designer - A print product designer provides for selection of spatial-structural components and includes a display module to display a visual representation of a print product incorporating selected spatial-structural components. | 2015-08-06 |
20150221009 | Team Player Athletic Jersey And Ordering Interface - Systems and methods for selection and creation of custom athletic jerseys are described. The athletic jerseys combine two different jerseys. For instance, the jersey may have a front half consisting of one jersey and back half consisting of another jersey. The jerseys may be related to a number of different sports teams, for instance, professional sports teams, college sports teams, and high school sports teams. This allows a fan to own a single jersey that represents multiple points in a player's career. Automatic validation of the license associated with each jersey may be provided and the purchase price of the athletic jersey may include relevant licensing fees. Additionally, a user interface may be provided that allows a user to select amongst a number of possible options. | 2015-08-06 |
20150221010 | PRODUCT INFORMATION SYSTEM - Systems and methods for providing product information at a merchant physical location include a system provider device that updates information in a database about each of a plurality of products in the merchant physical location in real time. A product identifier, which is collected from a first customer device that is associated with a first customer, is received by the system provider device over a network from at least one of a plurality of beacon devices that are located at the merchant physical location. The product identifier is used to retrieve pricing information and inventory information about a first product of the plurality of products in the merchant physical location. The pricing information and the inventory information for the first product are then provided through the network for display on the first customer device. | 2015-08-06 |