32nd week of 2014 patent applcation highlights part 70 |
Patent application number | Title | Published |
20140222590 | System For And Method Of Automatic Optimizing Quantitative Business Objectives Of Sellers (Advertisers) With Synergistic Pricing, Promotions and Advertisements, While Simultaneously Minimizing Expenditures and Discovery and Optimizing Allocation Of Advertising Channels That Optimize Such Objectives - A system for and method of automatic optimizing quantitative business objectives of sellers (advertisers) with synergistic pricing, promotions and advertisements, while simultaneously minimizing expenditure and discovery and optimizing allocation of advertising channels that optimize such objectives. | 2014-08-07 |
20140222591 | Systems and Methods for Post-Payment Gift Cards - According to one aspect, a post-payment gift card system in which the benefactor pays the value of the gift card at the time that the recipient redeems the gift card with the merchant. In some cases, the benefactor may create a gift card campaign using a gift card system. In some cases, the gift card system may include a user account. The user account may include attributes such as user identification information, user contact information, one or more user payment methods, payment method information, a user account good status indicator, and a user account trust indicator. | 2014-08-07 |
20140222592 | METHOD AND SYSTEM OF INTERNET CONNECTED COMPUTERS FOR ORGANIZING GLOBALLY PRESENTED ORIGINAL DATA IN THE WORLD WIDE WEB LOCALLY - A method and system of internet connected computers for organizing globally presented original data in the World Wide Web locally. This data mainly consists of human generated data (websites, text files etc.) and also automatically produced technical data (from sensors, machines, chip cards etc.). The present invention describes how humans can assign metadata to the original data to describe specific aspects of the original data content. The system for creating and organizing web content through metadata is called Web Operating System (WOS). The software that controls the WOS is contained in the Web Operation Kernel (WOK). A WOK is standardized software that can be loaded on local servers or on individual computers (PCs) locally. The local WOK is controlled by users through tools on a graphic user interface (GUI) via a web-browser. This metadata, generated by human intelligence, is stored on local servers which host the WOK. | 2014-08-07 |
20140222593 | NETWORK-BASED SYSTEMS AND METHODS FOR DEFINING AND MANAGING MULTI-DIMENSIONAL, ADVERTISING IMPRESSION INVENTORY - A method for representing and managing an inventory of overlapping multi-dimensional items such as advertising or ad impressions. The method uses an inventory management module to generate unique segment identifiers for sets of inventory items by processing descriptions of the sets of impressions including defining criteria. The method includes processing the unique segment identifiers to create a representation of the inventory as a plurality of inventory regions, which may include non-overlapping regions that correspond to inventory items in a single set of the inventory and also include overlapping regions that correspond to inventory items in two or more of the sets (e.g., items that match two or more sets of defining criteria or attributes). Availability and selection of inventory is determined using the information on inventory regions to control effects of cannibalization, such as by implementing logically necessary allocation to only cannibalize a region on a limited or forced basis. | 2014-08-07 |
20140222594 | Dynamic Payment Optimization Apparatuses, Methods and Systems - The DYNAMIC PAYMENT OPTIMIZATION APPARATUSES, METHODS AND SYSTEMS (“DPO”) transform requests for on-demand and flexible monetization and related services via DPO components into currency transfers, purchase receipt notifications, social networking communications and transaction analytics reports. In some embodiments, the DPO obtains a user product purchase request for a user engaged in an online experience at a point of sale device. The DPO parses the user product purchase request, and thereby identifies at least one attribute of at least one of: the user; the online experience; and the point of sale device. The DPO customizes one or more properties of a user interface for initiating a purchase transaction related to the user product purchase request, according to the identified at least one attribute of the user, the online experience or the point of sale device; and providing the customized user interface. | 2014-08-07 |
20140222595 | Payment Systems and Methods - Disclosed herein is a method, in which each step is computer-implemented, including receiving, via a point of sale terminal, a mobile device telephone number of a mobile device associated with a user, and a personal identification number selected by the user. The mobile device telephone number is checked against a database to determine if the mobile device telephone number is already present. A payment account is created if the mobile device telephone number is not already associated with a payment account. The mobile device telephone number serves as an account number. An account confirmation message is transmitted to the mobile device via direct use of the account number. A transfer of funds to affect payment is administered via a stored fund account. The stored fund account is associated with the account number, and is a ledger of actual funds where the actual funds are located in a second account. | 2014-08-07 |
20140222596 | SYSTEM AND METHOD FOR CARDLESS FINANCIAL TRANSACTION USING FACIAL BIOMERTICS - In view of the foregoing, an embodiment herein discloses a system and method for facilitating cardless financial transaction in which the face of the user can itself be used as the credit card for financial transaction at the point of sale (POS) or online financial transaction. The method includes capturing a user's face using a 3-D facial recognition system, converting the facial image into digital data and converting the digital data is converted into the numeric template for that user's face and stored in the separate block within the server's database. One aspect discloses a method in which the multiple bank accounts can be managed as single accounts and at the time of cardless financial transaction user may choose which bank account to use which is differentiated by the three digit alphanumeric code assigned for each bank account. | 2014-08-07 |
20140222597 | INTELLIGENT MOBILE PAYMENT SYSTEM AND METHOD - An intelligent wallet (IW) computer device is provided for recommending a payment card from a plurality of payment cards to a cardholder for use in a payment transaction with a merchant. The IW computer device includes a memory device for storing data and a processor in communication with the memory device. The processor is programmed to receive event data and transaction data associated with the payment transaction. The transaction data includes product identifier data and purchase amount data. The processor is further programmed to receive payment card rules and cardholder preferences for each of the plurality of payment cards associated with the cardholder and to recommend a candidate payment card from the plurality of payment cards. The candidate payment card is recommended by processing the event data and the transaction data with the payment card rules and the cardholder preferences. | 2014-08-07 |
20140222598 | COMMODITY SALES DATA PROCESSING APPARATUS, PORTABLE TERMINAL AND METHOD - A commodity sales data processing apparatus comprises a wireless communication section; an input section configured to input commodity specification information specifying a commodity; a determination unit configured to determine whether or not wireless communication with a portable terminal of a customer is established; and a communication unit configured to wirelessly transmit information for the display of settlement information based on the commodity specification information input from the input section on the portable terminal from the wireless communication section to the portable terminal on condition that the determination unit determines that wireless communication with the portable terminal is established. | 2014-08-07 |
20140222599 | Integrated Communications Network For Transactions - An integrated communications network may be integrated with existing payment systems to provide for more efficient and secure payment related communications. The integrated communications network may use mobile network protocol encapsulation to provide more efficient, faster, and more robust payment related communications to a payment processor across a mobile network. The integrated communications network may implement a location-aware network communications system that may allow a payment processor to obtain additional information about a consumer using a location-aware header of a network communication. | 2014-08-07 |
20140222600 | METHOD AND APPARATUS FOR FULFILLING PURCHASES - A method and apparatus for fulfilling purchases is disclosed. A system that incorporates teachings of the present disclosure can include, for example, a portable communication device having a controller element that receives from an online system a barcode image as an object of acknowledgment of a product purchased from said online system, and presents on a display of the portable communication device said barcode image to complete a purchase fulfillment process by way of at least one among a visual inspection of the barcode image by a merchant employee and processing of said barcode image by a point of sale (POS) device. Additional embodiments are disclosed. | 2014-08-07 |
20140222601 | SYSTEM AND METHOD FOR DETERMINING INVENTORY LOCATIONS - A system and method for determining a specific location in a brick and mortar retail store from which an item purchased by a customer in the store was likely obtained, so as to enable maintenance of inventory at the location level within the store is provided. The system includes a central database in which information regarding product inventory for a brick and mortar store location is maintained, a point of sale client capable of obtaining a product identifier from items being purchased by a customer, and a product location mechanism that utilizes the product identifier obtained by the point of sale client for the items being purchased by the customer, and other information from the point of sale client and/or from within the database to determine the most likely location from which an item was obtained by the customer and decrement the inventory unit amount stored in the database for the location by the number of such items purchased. | 2014-08-07 |
20140222602 | INFORMATION PROCESSING APPARATUS AND METHOD FOR DETECTING STAIN ON IAMGE CAPTURING SURFACE THEREOF - An information processing apparatus comprises an image capturing module configured to capture image of a commodity, an extraction module configured to extract feature amount of the commodity from the image captured by the image capturing module, a calculation module configured to calculate a similarity degree by comparing feature amount of each standard commodity with the feature amount of the commodity extracted by the extraction module, a recognition module configured to recognize a standard commodity of which the similarity degree calculated by the calculation module is greater than a given value as a candidate of the commodity, a detection module configured to detect, from a plurality of captured images captured by the image capturing module, a static object existing in the captured image, and a notification module configured to notify the detection of a stain if the static object is continuously detected in the plurality of captured images by the detection module for a given time. | 2014-08-07 |
20140222603 | COMPUTER-CONTROLLED, UNATTENDED, AUTOMATED CHECKOUT STORE OUTLET - A computer-controlled, automated checkout store outlet comprises at least one bay. A normally locked door is associated with each bay, and provides access to items within the bay by customers approved by a computer of the automated store outlet. At least one tray is disposed within at least one bay, and adapted to hold items to be stocked by the bay. A sensor system is configured to detect the removal of an item from the bay and identify the removed item, such as when a customer is removing the item for purchase. | 2014-08-07 |
20140222604 | SYSTEM FOR INTEGRATING ECOMMERCE WEBSITE AND SOCIAL NETWORKING WEBSITE ON A SINGLE WEB-BASED PLATFORM - The present invention relates to a system for integrating ecommerce and social networking site on a single web-based platform, wherein web-programs/applications can be developed using a web-application development framework. Specifically, the present invention relates to a system for connecting buyers, sellers/retailers and users sharing common interest related to products and services via an integrated communication platform. The web-application acts as an intermediary that aggregates users digital activities and provides them with a secured and ubiquitous reserve for personal content. More specifically, the system facilitates retailers or organizations having a database of information to extend their functionality and accessibility to the web-programmed/application framework and deploy and integrate web-applications using developers, thereafter enabling end-users of the framework to avail the information without being required to navigate to multiple web programs/applications or navigate to different websites. Further the system integrates catalogue display, virtual store customizations and implements software development frameworks on the web. | 2014-08-07 |
20140222605 | Promoting Individual System Goals Through System Recommendations - A social networking system presents recommendation units to its users. The recommendation units suggest actions for the users to increase their engagement with the social networking system or otherwise interact with other users. The social networking system establishes internal goals and associates bids for recommendation units with different goals. The bids reflect the value to the goal of a user interacting with a recommendation unit. Based on bids for recommendation units associated with one or more goals, expected values of the recommendation units arid determined. The recommendation units are ranked based on the expected values and one or more recommendation units are selected based on the ranking. | 2014-08-07 |
20140222606 | VARIABLE QUANTITY AUCTION SYSTEM AND METHOD - The present disclosure provides systems and methods for conducting a variable quantity auction. A seller may determine a quantity range of items to be sold and a reserve price for acceptable bids. The auction may proceed in two phases. In a first phase, bidders bid on a quantity of items at a price that is at least the reserve price. In various embodiments, the first phase may be used to determine the total number of items to be sold in a second phase. In the second phase a price for the fixed quantity of items may be determined. In various embodiments, the second phase may proceed as a typical second item auction in which bidders may modify their bids until the end of the auction. The winning bidders may only pay for their items at the lowest qualifying bid. | 2014-08-07 |
20140222607 | Systems and Methods for Distributing Limited Edition Digital Artwork - Systems and methods for distributing limited edition digital artwork in accordance with embodiments of the invention are disclosed. In one embodiment, a digital art gallery server system includes a digital edition distribution server that includes a plurality of files containing digital artworks; a digital edition database containing data describing the digital artworks, a plurality of user accounts, the digital artworks specific user accounts are authorized to access, associations between digital edition entries referencing specific digital artworks and specific user accounts; and a digital edition management server configured to generate a limited number of digital edition entries referencing the digital artworks, generate a user interface that includes information regarding at least one digital edition for sale, associate a specific digital edition entry in the digital edition database with a specific user account upon the sale of each digital edition reflecting a chain of title indicating ownership to the sold digital edition. | 2014-08-07 |
20140222608 | METHOD AND APPARATUS FOR ESTIMATING HOME REMODELING COSTS - A home remodeling cost estimator tool is used to create a cost breakdown for use when remodeling a house or a room, based on user interaction with photos, for example from such sites as Houzz.com and other proprietary data sources. For any photo in a photo database for such design sites, a user can work with the estimator to generate a price estimate and a breakdown for a building project. | 2014-08-07 |
20140222609 | METHOD AND APPARATUS FOR PROVIDING CROSS-BENEFITS BASED ON A CUSTOMER ACTIVITY - In accordance with some embodiments of the present invention, a controller receives an indication of acceptance by a customer of an offer for a subsidy from a second vendor (e.g., a subsidizing vendor). The offer may define, for example, a reduction in the price charged for an item purchased from a first vendor and an obligation for the customer to fulfill in exchange for the subsidy. The customer is charged a second price for the items, which is less than the total price, and may even be zero. | 2014-08-07 |
20140222610 | INCREASED VISIBILITY DURING ORDER MANAGEMENT IN A NETWORK-BASED SUPPLY CHAIN ENVIRONMENT - A system, method and article of manufacture are provided for a first business entity to provide a network-based supply chain framework for collaborative order management between at least a second and a third independent business entity, such as a service provider, vendor, reseller, manufacturer and the like. A request for an order is received over a network with an automated system, from at least a second business entity. The order is transmitted over a network, with an automated system, to at least the third business entity. Information is received from the third business entity relating to a status of completion of the order by the third business entity using a network. The progress in completing the order is tracked based on the information received from the third business entity. Progress reports from the tracking are generated periodically; and transmitted to the second business entity using the network. | 2014-08-07 |
20140222611 | SYSTEM AND METHOD FOR A CURATOR RECOMMENDED SALE OF COMMODITIES - The present disclosure relates to a curator recommended sale system and method. The curator recommended sale system includes a commodity list generation unit configured to receive commodities for sale of a vendor from a vendor terminal, generate a list of the commodities for sale, receive recommended commodities by a curator based on the list of commodities for sale from a curator terminal, and generate a list of the recommended commodities, a payment unit configured to process payment on a recommendation commodity included in the list of recommended commodities when a purchase request for the recommendation commodity is received from the terminal of a purchaser selecting the curator, and a profit share unit configured to pay a commission to the curator according to sales of the recommendation commodity. | 2014-08-07 |
20140222612 | IMAGE-RELATED METHODS AND ARRANGEMENTS - A user captures an image of a retail product with a smartphone. Product recommendations associated with the retail product are provided to the smartphone. One claim recites a method comprising: receiving first imagery captured by a smartphone camera, the first imagery representing a first retail product located at a retail location, and presenting the first imagery on a screen of the smartphone; providing the first imagery to a processor to produce fingerprint data therefrom, the fingerprint data being utilized to identify the first retail product; receiving second imagery representing a second retail product, identified as a product recommendation associated with the first retail product, the second imagery being sourced from a source different than the smartphone camera; presenting, on the screen of the smartphone, the second imagery; receiving user input via a touch screen of the smartphone; as a consequence of said user input, initiating an action. Of course, a great variety of other claims, features and arrangements are also detailed. | 2014-08-07 |
20140222613 | SYSTEM AND METHOD OF PROVIDING OBJECT FOR SERVICE OF SERVICE PROVIDER - A server and method of providing an object for accessing a service of a service provider are provided. The server includes a context model providing unit configured to provide to the service provider at least one context model that is associated with the service, which is used by a device or a user, and a situation in which the device or the user uses the service; a purchase request receiving unit configured to receive a purchase request submitted by the service provider for a context model which is selected from among the at least one context model; and an object generation unit configured to generate the object for accessing the service of the service provider. The generated object is matched with the context model associated with the purchase request received from the service provider. | 2014-08-07 |
20140222614 | SYSTEM AND METHOD FOR SEGMENTING ITEMS IN A SHOPPING CART BY CARBON FOOTPRINT - A method implemented in a computer infrastructure having computer executable code tangibly embodied on a computer readable medium being operable to provide a shopping cart for a shopper, and segment items in the shopping cart based on the carbon footprint associated with each item. Additionally, the method may include displaying substitute or complementary items in the shopping cart for selection by the user to reduce total carbon values, and awarding carbon certificates. | 2014-08-07 |
20140222615 | SERVICES FOR ENABLING USERS TO SHARE INFORMATION REGARDING E-COMMERCE TRANSACTIONS - Various computer-implemented services are disclosed for assisting users in selecting items from an electronic catalog, and for selecting merchants with which to conduct transactions. One such service enables users to share information about their respective purchases with other users. Another service enables users to share information regarding the merchants with which they have conducted transactions. | 2014-08-07 |
20140222616 | System and Methods for Party Authentication and Credit Assessment in Electronic Purchasing - In certain embodiments, systems and methods may authorize an online transaction over a data communications network, including receiving a request for a transaction from a user via the network where the transaction request relates to a purchase order. Some embodiments include receiving a user identifier, determining if the user identifier provides sufficient information about an identity of said user to fulfill the transaction, requesting additional user identifiers until it is determined that there is sufficient information to fulfill the transaction, and authorizing the transaction if there is sufficient information for transaction fulfillment. | 2014-08-07 |
20140222617 | RULE-BASED TRANSFERABLE SHOPPING BASKET FOR ONLINE PURCHASES - An online shopping basket is acquired by a buyer from an online store and is customized according to rules specified by the buyer. The buyer places zero or more items in the online shopping basket(s) before they are given to at least one shopper by the online store. The shopper(s) may further customize the online shopping basket(s) with rules that do not conflict with those specified by the buyer. The shopper(s) then place zero or more items in the online shopping basket(s) and return the basket(s) to the online store. Multiple online shopping baskets are merged into a single basket, and the buyer reviews the items in the merged online shopping basket and adds or removes items as necessary. The buyer then purchases the remaining items from the online store. | 2014-08-07 |
20140222618 | SYSTEM AND METHOD FOR BIDDING - The described embodiments relate to systems, methods and computer readable media for bidding on service requests, that involves receiving a service request, wherein the service request comprises a user identifier, a location and a destination; generating a bid request corresponding to the service request; receiving a plurality of bids, wherein each bid comprises a service provider identifier for a corresponding service provider, a cost and a service time; transmitting the plurality of bids; and receiving a selected bid of the plurality of bids. | 2014-08-07 |
20140222619 | METHODS AND SYSTEMS TO IMPLEMENT A PRIVATE SALE - In some examples, a system comprises a memory and at least one module, executing on one or more computer processors, to host an online marketplace for marketplace participants, allow a segmentation of the marketplace into at least one private group for private participants, and receive listings of items for sale exclusively to the private participants. | 2014-08-07 |
20140222620 | SOCIAL MEDIA REAL ESTATE SYSTEM AND METHOD - A computerized system and method is presented that integrates a dedicated platform for sharing real estate information with a social networking platform. Buyers can search for properties on the dedicated platform and identify certain properties as favorite (or selected) properties. The buyer also identifies their friends on a social networking platform, who then access information about the buyer's favorite properties through an app interface provided through the social networking platform. Friends and the buyer can engage in a conversation about a particular property along with an agent and a lender that work with the buyer on the dedicated platform. Users can participate in and view the conversation either through the app interface of the social networking platform or through the dedicated platform. | 2014-08-07 |
20140222621 | METHOD OF A WEB BASED PRODUCT CRAWLER FOR PRODUCTS OFFERING - The invention relates to a method of a product crawler having relatively simple automatic program that systematically fetches all the hyperlinks from the view source of the web pages of specific URL or website that has been registered on the service provider's database server through a service provider's website and therein the said service provider's website of which a product search engine being embedded for searching the products that has been offered. The product crawler further analyses the said hyperlinks and then crawls and extracts only their product information related data such as title, description, image, price, model number and save them in the service provider's database to produce finally a product related data index in the search engine repository to display the product related information for products offering and marketing during when user makes substantially same product related query from the service provider's website. | 2014-08-07 |
20140222622 | Method and Apparatus for Collaborative Filtering for Real-Time Recommendation - An approach is provided for generating one or more recommendations to a user based on interactions the user may have with items or topics of interest. The approach involves processing and/or facilitating a processing of one or more interactions of a user with one or more content items. The approach further involves causing, at least in part, an accumulation of the one or more processed interactions of the user. The approach also involves causing, at least in part, a determination of one or more user preferences based, at least in part, on the accumulated one or more processed interactions. The approach additionally involves causing, at least in part, a generation of a rating score of the user for the topic based, at least in part, on the one or more user preferences. | 2014-08-07 |
20140222623 | Order Processing for Remotely Ordered Goods - A computer-implemented method for processing of an order for goods received at an order processing system from a location-triggered communication through a networked mobile wireless telecommunication computing device. Responsive to the location-triggered communication, a signal is transmitted to commence processing the order for goods. If the mobile wireless telecommunication computing device requests, an item list of available items and corresponding processing times for each request could also be transmitted. The item list may form part of an application program installable on the mobile wireless telecommunication computing device. The location-triggered communication may include payment information. The method may also process payment information and transmit an order receipt to the mobile wireless telecommunication computing device. | 2014-08-07 |
20140222624 | EMAIL CHECKOUT SYSTEM FOR COMPLETING WEBSITE CART CHECKOUT - A system for leveraging email to complete an online checkout from a customer accessing a third party vendor website is disclosed. The system may store customer information including a name, email address, shipping address, and billing information. The system may receive a request for a purchase from the third party vendor including a customer email address and an item to be purchased. The system may authenticate the customer email address. The system may send a first email to the customer email address requesting authorization to complete a purchase. The system may receive a second email, from the customer email address, encoded with the token and confirming or canceling the purchase. The system may authenticate the second email using the customer email address and the token. And the system may transmit a confirmation of purchase of the at least one item to the third party vendor website. | 2014-08-07 |
20140222625 | Intelligent Multimedia E-Catalog - An intelligent product catalog system provides for electronic creation, management and viewing of product information using a multimedia display system. A central database repository stores the product information and provides for an unlimited number of product attributes and dynamic reconfiguration of the product information. The central database repository comprises a meta data system, a scheme system and an object model system. A plurality of applications access the central database repository, the applications being automatically adaptive to the dynamic reconfiguration of the product information. A user interface provides display, sorting and filtering of the product information including the unlimited number of product attributes. | 2014-08-07 |
20140222626 | METHODS AND SYSTEMS FOR SELECTING ITEM VARIATIONS FOR DISPLAY IN USER INTERFACES - Systems and methods for presenting a user interface that shows a consolidated representation for an item available from multiple sources are described. The multiple offerings of the same items offered for sale by multiple sellers are combined into a simple user interface that is transparent to the consumer, but where the consumer can find an item and all of its attributes as though it was offered for sale by a single seller. The user interface can be created when a consumer selects an item, a list is generated of the sellers offering that item for sale, a list is generated of the various attributes of the item, a representation for each attribute is gathered, and an optimal representation for each attribute can be generated for display to the consumer when that attributed is selected by the consumer. The process for creating and modifying such a user interface can be automated or semi-automated, decreasing the manual intervention needed. | 2014-08-07 |
20140222627 | 3D VIRTUAL STORE - A system for navigating products and services presented via a computer interface. The system may include a three-dimensional isometric view of a virtual store that may be displayed on a computer touchscreen. The displayed virtual store may include at least one internal wall of the virtual store, a plurality of virtual rows of shelves, each shelf containing virtual products, and a plurality of icons that, when selected, allow entry into at least one sub-store. | 2014-08-07 |
20140222628 | GARMENT FIT PORTRAYAL SYSTEM AND METHOD - An on-line garment fit portrayal system configured to operate on a specialized server linked over a network to at least one web-enabled player device capable of common image format display is described. The system comprises a server-side garment model storage capability containing one or more garments, with parameters for each garment; a server-side modeler mechanism for generating a three-dimensional body model from individual body data, the body model data being stored in a body model storage capability; a server-side simulator mechanism coupled with the garment model storage capability and the body model storage capability for simulating a three-dimensional form fit of a garment in the garment model storage capability onto a stored body model, the simulator mechanism producing a portrayal subject model; and a server-side rendering mechanism coupled with the simulator mechanism for portraying on a web-enabled device a three-dimensional form fit of the garment on the body model. | 2014-08-07 |
20140222629 | ITEM STATUS ANALYSIS DEVICE, ITEM STATUS ANALYSIS SYSTEM AND ITEM STATUS ANALYSIS METHOD - An item status analysis device for performing analysis of status of an item(s) offered in a commercial establishment includes: an object-of-interest detection unit configured to detect, based on image information provided by an imaging device capturing images of an object-of-interest placement area where an object of interest including the item(s) is placed, disappearance of the object of interest from the object-of-interest placement area and return of the object of interest to the object-of-interest placement area; a replacement detection unit configured to detect replacement of the object of interest based on a result of detection performed by the object-of-interest detection unit; and an output information generation unit configured to generate output information representing a result of analysis based on a result of detection performed by the replacement detection unit. | 2014-08-07 |
20140222630 | APPARATUS, SYSTEM AND METHOD FOR FACILITATING AND SECURING ACCESS TO TRANSACTIONS IN A RETAIL ENVIRONMENT - An apparatus, system and method of facilitating a retail transaction. The apparatus, system and method may include obtaining, via an opt-in to an in-store wireless network, of consumer device data regarding a plurality of consumer mobile devices, the consumer data comprising device use data, prior purchase data, and geo-location data; receiving video surveillance data related to at least one consumer having the consumer device data; interrelating, from at least one non-transitory computer-readable medium storing at least the consumer device data and the video surveillance data, of at least the consumer device data and the video surveillance data by at least one computing processor; and unlocking, at a direction of the computing processor and pursuant to a plurality of business rules to the interrelated datas, at least one in-store protection proximate to a location indicated by the geo-location data to allow a prospective purchasing one of the consumers to access at least one previously locked in-store item. | 2014-08-07 |
20140222631 | SYSTEM AND METHOD FOR SUSPECT ENTITY DETECTION AND MITIGATION - A plurality of institutions (such as financial institutions) contribute data to a data analysis and linking system. The system analyzes the data to create data nodes (records) associated with an entity, where the entity may be, for example, a person/individual, business, organization, account, address, telephone number, etc. After data is linked, and in order to retrieve linked data, a requester may provide to the system an identifier associated with an entity. The linked data provided by the system in response to the identifier may be in the form of a network of data nodes associated with the entity and for use in assessing risk, such as risk associated with a transaction being conducted by a person. The linked data may also be analyzed at the system to score risk associated with the entity, and the risk score provided in conjunction with or in lieu of the network of data nodes. | 2014-08-07 |
20140222632 | DATA TRANSACTION ACCELERATION USING MULTIPLE DATA STRUCTURE TYPES - A method of accelerating execution of a transactions includes storing financial ledgers in a relational database, prepopulating a multidimensional data cube using the relational database, executing the transactions using the data cube by querying the data cube for aggregated balances to generate result values, generating accounting journal entries that update each account in the ledgers affected by the transactions using the result values from the data cube, posting the accounting journal entries to the financial ledgers in the relational database, repopulating the data cube with the changes resulting from the posted journal entries, and updating the aggregated balances of the data cube. | 2014-08-07 |
20140222633 | PUBLIC WORKS CONTRACTOR PAYROLL PROCESSING, CERTIFICATION, REPORTING & PROJECT MANAGEMENT SYSTEM AND METHOD - A computer implemented business method and system directed to enabling a Public Works contractor employer who contracts for work on one or more government agency Public Works projects or who contracts for work on concurrent private and Public Works projects, in a plurality of jurisdictions, to process payroll and to: generate certified payroll records in accordance with the currently applicable rules and standards for content and format required by a plurality of awarding body or enforcement jurisdictions; provide alerts and reports allowing said contractor to anticipate compliance vulnerability and choose real time manpower adjustments for such management issues as apprentice/journeyman ratio; provide evidence of meeting and exceeding government objectives in order to establish a record and reputation of compliance; generate reports for managing the assignment of personnel to enhance worker cooperation, spirit, and morale; and to control payroll processing cost through allocation of cost based on estimated worker hours on a given project. | 2014-08-07 |
20140222634 | Method for Environmental Control and Monitoring - An environmental control and monitoring method is provided. An electronic communication including a selection of a climate control operational mode to modify an environment within a particular designated area is received from one of a plurality of environmental control and monitoring devices via a network, wherein each of the plurality of environmental control and monitoring devices include one or more climate control subsystems for modifying an environment within a designated area. The selection of the climate control operational mode is associated with a climate control parameter and the one of the plurality of environmental control and monitoring devices. An operation of a particular climate control subsystem of the one of the plurality of environmental control and monitoring devices is initiated to modify the environment within the particular designated area based on the climate control parameter. A usage parameter based on the operation of the particular climate control subsystem is received via the network. A billing message associated with a user is generated based on the usage parameter, and the billing message is transmitted to a billing system, wherein the billing message results in a charge to an account of the user. | 2014-08-07 |
20140222635 | System, Software, and Method for Reducing Fraud - A method for reducing fraud comprises providing a mobile device, wirelessly connecting to a server of a card issuer, the server comprising account information for a card issued to a card holder, the account information comprising a status regarding an activated or deactivated state, selecting a deactivated state, and sending a deactivate instruction from the mobile device to the server to cause the card to be deactivated. | 2014-08-07 |
20140222636 | Comparing Financial Transactions Of A Social Networking System User To Financial Transactions Of Other Users - A social networking system obtains financial transaction activity for its users and allows its users to obtain reports of their spending compared to various benchmarks. The benchmarks may be for various demographic groups, networks to which the user belongs, groups of users connected to a user, or any other suitable grouping of users. The social networking system may also forecast a user's spending on a category based on the spending of other users who have similar spending profiles in other categories. | 2014-08-07 |
20140222637 | Systems and Methods for Academic Core Banking - The present invention provides a system, method, and computer program for institutions of higher education to segregate nonexpendable and expendable restricted revenue funds from unrestricted net assets, assess appropriate levels of leverage, determine institutional risk tolerance for fixed and variable-rate debt, and develop sound methodologies to arrive at a predictable blended borrowing rate for all institutional constituents. This insures that all costs to the institution are covered and unexpected fluctuations in financial markets are considered. In addition, the present invention enables greater financial management efficiencies by disentangling and simplifying the patchwork approach of college and university legacy finance and treasury management information systems. | 2014-08-07 |
20140222638 | System and Method for Merchant Transfer of a Forward-Sold Good Contract - A system and a method are provided that each have the capability for immediate merchant transfer of a forward-sold good contract. At the time of purchase of a transferable/resellable forward-sold good, a merchant strike price is set by the merchant. If the merchant strike price is met by a bidding merchant, this allows transfer/resale of the forward-sold good contract to the bidding merchant. A system for merchant transfer of a forward-sold good contract by use of a merchant transferable website and database is also provided. | 2014-08-07 |
20140222639 | Visual Representation and Configuration of Trading Strategies - A system and method are provided to visually represent and configure trading strategies used in electronic trading. The system and method may be used to visually represent, among other things, an acceptable range of prices for a trading strategy in relation to a graphical user interface. The acceptable range of prices may be input by a trader to limit when one or more orders are moved from one price to another. The acceptable range of prices can be displayed on a graphical user interface using visual indicators. Using the visual indicators, the acceptable range of prices can also be configured and modified by a trader based on the trader's preferences. Other features and advantages are described herein. | 2014-08-07 |
20140222640 | System and Method For Creating A Market Map In An Electronic Trading Environment - A market map interface displays market information and trader-related information associated with at least two tradable objects. In one embodiment, the at least two graphical interfaces may be linked, and a user may define one or more adjustment parameters to be used to adjust the view of information being displayed via the linked graphical interfaces. For instance, a user may initiate repositioning of one of the linked graphical interfaces, thus, effectively, causing other linked graphical interfaces to be repositioned according to the defined adjustment parameters. | 2014-08-07 |
20140222641 | TRAILBLAZER METHODS, APPARATUSES AND MEDIA - At a first time, an indication of a selection of a contract, expiring at a second time and associated with a commodity, is received. A set of physical stacks associated with the contract is accessed. Based upon the first time, the second time, and a periodic sampling rate, a marginal cost profile for the commodity is generated. The marginal cost profile is a set of values relating to an estimate of a marginal cost of production for the commodity at a set of times between the first time and the second time. A display signal, adapted to form the basis for a visual display, is generated. The display signal includes a first component relating to at least one physical stack from the set of physical stacks, and a second component relating to the marginal cost profile. The display signal is stored in a memory and transmitted from the memory. | 2014-08-07 |
20140222642 | SYSTEM AND METHOD FOR PROPERTY SEARCHING AND TRADING - An Internet based system for identifying and initiating real estate trades in which potential direct and multi-party trades are identified and rated based on the quality of the match between desired features and on-offer features, and the rating is automatically conveyed to the users associated with the relevant properties. | 2014-08-07 |
20140222643 | Foreign Exchange Covered Warrant System And Structure - A financial data processing system includes a foreign exchange (FX) certificate management system, a covered warrant management processor, and a trade processing system. The FX certificate management system includes a computer system configured to structure a zero-coupon FX certificate. The certificate is structured to have a redemption value that is determined based on a currency exchange rate measured at a time of maturity of the certificate. The covered warrant management processor includes a computer system configured to structure a FX covered warrant product based on an underlyer that includes a foreign exchange certificate structured by the FX certificate management system. The trade processing system includes a database storing buy and sell related data and tracking investor portfolio information, and a user interface system to generate user interface display screens enabling interaction with a user. | 2014-08-07 |
20140222644 | APPARATUS AND METHOD FOR PROCESSING DATA - Methods and apparatus for processing data. The apparatus includes a plurality of entry systems for receiving the data from a respective plurality of contributors which each formulate the data based on respectively different: a) input data, and b) rules for governing how the input data is used to formulate the data. The apparatus also includes a tracking system having a data normalizer configured to normalize the formulated data received from each of the plurality of contributors into a common format. The tracking system performs at least one comparison of the normalized data from the entry systems and signals results of the comparison. | 2014-08-07 |
20140222645 | Multiple Coupon Interest Rate Futures Contracts - The disclosed system makes available multiple interest rate futures contracts (“IRFC”) for a given set of interest rate securities, such as US Treasury Notes, which may be used to satisfy the delivery obligation. The terms on which the delivery obligation of each such IRFC are met are governed by an associated conversion factor yield (“CFY”) value which is associated, in turn, with a corresponding set of conversion factors (“CF”), each of which corresponds to one member of the set of securities eligible for delivery, and which may be used at the time of delivery of such eligible interest rate security, to determine the delivery invoice price. Offering different CFY's and corresponding CF's may enable a market participant who seeks to use such futures to acquire or shed financial risk exposure to select from such array of futures contracts the member contract that most closely mirror the participant's intended risk profile. | 2014-08-07 |
20140222646 | SMARTCARD-BASED VALUE TRANSFER - In a value transfer scheme, users are provided with programmable devices, for example, smart cards, capable of carrying data representing at least one available commodity value. Data representing user accounts is held at a remote processing station. Transactions between users are effected by the off-line exchange of data between users' respective smartcards, the exchanged data containing a record of each transaction entered into. The user account data for each user's account held at the remote processing station is updated only subsequently when the user's smartcard is on-line to the remote processing station and data therefrom is uploaded to the remote processing station. The scheme of the invention can, conveniently, be based around the ITSO scheme which is used to govern the secure transfer of data The scheme is capable of providing a secure multi-commodity value transfer system. | 2014-08-07 |
20140222647 | System and Method for Money Management Using a Plurality of Profit Levels in an Electronic Trading Environment - A system and method for money management in an electronic trading environment are presented. According to one embodiment, a money management application intercepts an order before the order is sent to an exchange, and determines a plurality of P/L levels, based on which the money management application then selects a set of money management parameters to be used to control or modify order parameters before the order is sent to the exchange. The plurality of profit levels may include a net profit level determined based on a trader's net position and a current market level, a realized profit level determined based on trader's sells and buys associated with the tradeable object, or an open profit level determined based on the realized and net profit levels. The set of money management parameters may include a maximum order quantity and a maximum net position so that, for example, if the order quantity associated with the order is higher than the maximum order quantity associated with the applicable set of money management parameters, the order quantity may be modified to the maximum order quantity. | 2014-08-07 |
20140222648 | METHOD AND SYSTEM FOR OFFSET MATCHING - The trading of interest rate swaps or other interest rate derivatives gives rise to mismatch exposure. This can be offset by a series of FRA trades. Rather than conducting a series of exposure neutral trades, FRAs can be bought or sold for the entire amount of a trader's reset exposure. To hedge the offset trades, a series of IMM FRA trades are conducted. The relative size of the IMM contracts will be determined by the distance in time from the IMM quarterly contract settlement date. A system is disclosed for performing offset trades and IMM hedges. The embodiments allow for non-neutral trading and subsequent hedging brings trading back to a neutral position. | 2014-08-07 |
20140222649 | TBA Futures Contracts and Central Counterparty Clearing of TBA - Networks, systems and methods that match orders for TBA futures and settle and clear open positions for TBA futures are disclosed. The TBA futures may include MBS TBA future contracts. A central counterparty clearing firm may net long and short positions and generate delivery instructions to parties having open positions. | 2014-08-07 |
20140222650 | System and Method for Improved Distribution of Market Information - A data distribution system and method are described herein to improve the distribution of market information to subscribing client devices. Market information updates are provided to subscribing devices over a communication link every time a change in the market occurs. If a bandwidth limitation is reached on the communication link, the preferred embodiments switch to a second mode of transmission such that the market information updates are provided only at predetermined intervals. The preferred embodiment monitors the bandwidth consumption to determine what mode of transmission to apply, and in response, it can dynamically change between modes of transmission. By dynamically adjusting the mode of transmission to comport with the current network bandwidth, the preferred embodiments may provide a network friendly, data intensive, and fast response market information feed. | 2014-08-07 |
20140222651 | System and Method for Trading Options - A system and method for interactive trading of option contracts is described. Users of the system provide volatility runs of currency options, deal on existing offers to sell or bids to buy, or may improve on existing offers to sell or bids to buy. Users of the system include banks and traders or dealers employed by banks or other financial institutions. The system and method provide automatic price quotations for a requested option contract by polling internal volatility surfaces of users for prices on the requested contract. Additionally, the system and method ensure a more orderly pattern of trades by categorizing the users into discrete tiers which determine a user's obligations to provide offers and bids to the system. | 2014-08-07 |
20140222652 | USER INTERFACE FOR AN ELECTRONIC TRADING SYSTEM - A user interface for an electronic trading exchange is provided which allows a remote trader to view in real time bid orders, offer orders, and trades for an item, and optionally one or more sources of contextual data. Individual traders place orders on remote client terminals, and this information is routed to a transaction server. The transaction server receives order information from the remote terminals, matches a bid for an item to an offer for an item responsive to the bid corresponding with the offer, and communicates outstanding bid and offer information, and additional information (such as trades and contextual data) back to the client terminals. Each client terminal displays all of the outstanding bids and offers for an item, allowing the trader to view trends in orders for an item. A priority view is provided in which orders are displayed as tokens at locations corresponding to the values of the orders. The size of the tokens reflects the quantity of the orders. An alternate view positions order icons at a location which reflects the value and quantity of the order. Additionally, contextual data for the item is also displayed to allow the trader to consider as much information as possible while making transaction decisions. A pit panel view is also provided in which traders connected to the pit are represented by icons, and are displayed corresponding to an activity level of the trader. | 2014-08-07 |
20140222653 | METHOD AND PROGRAM FOR DETECTING CHANGE-POINT OF TIME-SERIES DATA, AND METHOD AND PROGRAM FOR PREDICTING PROBABILITY DENSITY DISTRIBUTION OF FUTURE TIME-SERIES DATA VALUES - The present invention applies a particle filter method to the PUCK model for calculating a true market price. First, a probability density function of a parameter is obtained by generating a group of particles having parameters representing the state of the PUCK model each having different values. Then, the degree of conformity of each of the particles is evaluated and the particles are resampled as follows in accordance with the degree of conformity. A random number is compared with a predetermined value, where particles are regenerated in accordance with probability density function such as a normal distribution for making a parameter value of the model at time (t) into a mean value when the random number is greater than the predetermined value, and where the particles are regenerated taking a uniform distribution as the probability density function when the random number is less than the predetermined value. | 2014-08-07 |
20140222654 | SYSTEM AND METHOD FOR PROVIDING ELECTRONIC CLOSING BOOKS TO CLIENTS AT COMPLETION OF SERVICES - The disclosure relates to a method of providing service to a client. The method entails providing the service to the client by a service provider; in the course of providing service to the client, generating a plurality of electronic documents related to the service; storing the plurality of electronic documents in a computer or network system associated with the service provider; transferring the electronic documents to a personalized electronic closing book; and providing the personalized electronic closing book to the client. The personalized electronic closing book may be provided to the client near or after completion of the service to the client. The personalized electronic closing book may include all or the most important documents related to the subject matter associated with the service provided to the client by the service provider. The personalized electronic closing book provides the client an organized and easily-accessible depository of documents generated at the end of a transaction. | 2014-08-07 |
20140222655 | Method and System for Automatic Regulatory Compliance - A system and method implementing an automated database-driven web interface operable to automatically ensure compliance with various laws. A customizable and dynamically-generated information-collection system enables various businesses, including banks, to comply with various laws relating to financial transactions, including the Bank Secrecy Act, the Patriot Act, Dodd-Frank Act, and FATCA. | 2014-08-07 |
20140222656 | Customized credit reporting system - A novel system and method for facilitating the sharing of data between business entities is disclosed. The novel system and method comprises members sharing or submitting certain of their data to a program which identifies overlaps between entities, and presents each member with a list of these other identified members from which the member may choose to receive data. The novel system and method allows each member to receive highly personalized and relevant credit reports, or other reports, concerning their customers, to facilitate intelligent decisions regarding interactions with their accounts. | 2014-08-07 |
20140222657 | Method and Application for Borrowers at Risk for Foreclosure and Participation in Regulated Home Affordability Program - A method to identify potential borrowers/homeowners/applicants who are at risk of foreclosure and determine whether said borrower/homeowners/applicants are eligible for the National Making Home Affordable Program or other regulated loan modification program. | 2014-08-07 |
20140222658 | SYSTEM AND METHOD FOR MANAGING MORTGAGE LIFECYCLES - A method, a system and a computer program are provided for creating unprecedented transparency in mortgage markets. The system includes a fully integrated, web-based exchange platform that provides lenders, buyers, securitization participants and regulators all access to real-time reporting of housing market data. System technology stores and analyzes data on consumer profiles, approved and denied mortgage applications, appraisals and vendors, and any services they provide to any mortgage application. The data can then be used by regulators for forensic and predictive analysis that will support their ability to better manage fraud and predatory lending practices or any other aspect of the mortgage lending process. It will also enable better purchasing decision-making for home buyers. The system technology has the ability to drive system-wide accountability. | 2014-08-07 |
20140222659 | COLLATERALIZED LENDING USING A CENTRAL COUNTERPARTY - A lending machine can include a communications device to receive a first request relating to a first loan transaction. The first loan transaction can include a long or a short Special Repo Futures (SRF) contract where a supply of the asset is below a supply threshold, otherwise the first loan transaction can include a long or a short General Repo Futures (GRF) contract. The communications device can also be configured to receive a second request for a second loan transaction at least partially counter to the first loan transaction. The lending machine can also include a matching device configured to match the first request with the second request. The lending machine can also include a trader device configured to perform a transaction corresponding to the first and the second request. | 2014-08-07 |
20140222660 | METHOD FOR DETERMINING A BILL MIX IN AN ELECTRONIC CASH DISPENSER - A method for determining a bill mix in an electronic cash dispenser comprises: receiving a transaction request comprised of a transaction type and a dispense amount; evaluating the transaction type; evaluating the dispense amount; and determining the bill mix according to a dispense definition based on a plurality of criteria including transaction type and dispense amount. The method may further include evaluating day of the transaction request, time of the transaction request, patron information such as player tracking data, and/or bill inventory level. The method may also include receiving patron preference input. The dispense definition may comprise a minimum definition that defines a minimum quantity for each bill denomination to include in the bill mix. If a remainder exists after the minimum definition is applied to the dispense amount, the dispense definition may further comprises a remainder definition that calculates a remainder bill mix based on a least note methodology. | 2014-08-07 |
20140222661 | DIGITAL MARKETPLACE FOR RESELLING MEDIA PACKAGES - Aspects of the present disclosure describe systems and methods for implementing the sale of a media package that has one or more digital assets and/or platform features and a first level of digital rights management (DRM) protections from a first purchaser to a second purchaser. The DRM protections may limit which digital assets may be sold. The level of DRM protection on the media package may be changed to a second level before being delivered to the second purchaser. The changed DRM protection may restrict the future sale of the digital assets and/or platform feature(s) remaining in the package. It is emphasized that this abstract is provided to comply with the rules requiring an abstract that will allow a searcher or other reader to quickly ascertain the subject matter of the technical disclosure. It is submitted with the understanding that it will not be used to interpret or limit the scope or meaning of the claims. | 2014-08-07 |
20140222662 | INTELLIGENT AUTOMATED ONLINE TRANSACTION SYSTEM FOR AUTOMATED INTERACTION WITH ONLINE TRANSACTION WEB SITES - Methods, techniques, and systems for providing adaptive automated interaction capabilities for computer applications that request automated conducting of domain specific transactions via a domain specific online transaction website, e.g. an online-banking web site in a failure-proof manner. Particular methods, techniques and systems employ adaptive mixing of script-based and avatar-based execution entities for delegating sub-tasks and activities of a domain-specific transaction workflow for automated processing via a domain-specific online transaction website, the transactions being requested by a third party computer application and the domain e.g. pertaining to online banking. | 2014-08-07 |
20140222663 | GROUP PAYMENT - The disclosure is related to a group payment service. For the group payment service, primary user equipment for a group payment may receive information on payment instruments from member user equipments upon generation of a predetermined event. The primary user equipment may generate group payment information based on the received payment instrument information transmitted from the member user equipments, information on a payment instrument stored in and selected by the primary user equipment, and payment information received from a payment terminal. The primary user equipment may transmit the generated group payment information to a service server for making a group payment. | 2014-08-07 |
20140222664 | SOCIAL NETWORK TRANSACTION PROCESSING SYSTEM - A system for transferring funds using social network connections. The system sends application programming interface (API) requests to social networks to obtain “friend” information and create accounts into which funds are deposited and which may be retrieved by recipients via hyperlinks in messages provided through social networks. The system may also be used to request funds from social network friends. The system provides benefactor friends fund requests in the form of social network messages, which allow the benefactors to access the system and provide funds to a user via hyperlinks in the messages. | 2014-08-07 |
20140222665 | ENERGY SEARCH ENGINE METHODS AND SYSTEMS - Systems and methods dynamically assess energy efficiency by obtaining a minimum energy consumption of a system, receiving in a substantially continuous way a measurement of actual energy consumption of the system, and comparing the minimum energy consumption to the measurement of actual energy consumption to calculate a substantially continuous energy performance assessment. The system further provides at least one of a theoretical minimum energy consumption based at least in part on theoretical performance limits of system components, an achievable minimum energy consumption based at least in part on specifications for high energy efficient equivalents of the system components, and the designed minimum energy consumption based at least in part on specifications for the system components. | 2014-08-07 |
20140222666 | METHOD AND APPARATUS FOR PROCESSING ELECTRONIC TRANSACTION INFORMATION - The present invention relates to a method and apparatus for processing electronic transaction information, the method comprising: accepting a payment request submitted by a channel entrance page, the payment request comprising an electronic tag corresponding to the channel entrance page; making a payment in accordance with the payment request and outputting a payment result; identifying a distribution platform corresponding to the electronic tag; generating a payment result page based on the identified distribution platform; and outputting the payment result page. In accordance with the method and apparatus for processing electronic transaction information of the present invention, electronic tags are embedded in the processing steps of the electronic transactions, and two or more independent and closed transaction processing systems sharing the same payment process can be established. Thus, the amount of work and cost for establishing electronic transaction distribution platforms can be reduced. | 2014-08-07 |
20140222667 | COMMUNITY BASED CHARACTER EXPRESSION IN A GEO-SPATIAL ENVIRONMENT - A method, apparatus and system of character expression in a geo-spatial environment are disclosed. In one embodiment, a method includes generating a community network of user profiles, each user profile associated with a specific geographic location, associating a first user with a first user profile, providing a first character expression associated with the first user profile, generating a first display view to include a three-dimensional map view embodied by the community network, the first character expression, and the first user profile represented at a location in the three-dimensional map view associated with the specific geographic location of the first user profile, and simultaneously representing other user profiles adjacent to the first user profile in the three-dimensional map view. The method may also include providing elements as a part of a commerce transaction and enabling the commerce transaction via a user profile. | 2014-08-07 |
20140222668 | ELECTRONIC COMMERCE NETWORK WITH TRANSACTIONS ANALYTICS - A system that processes transactions, in response to a transaction using a financial instrument, receives an identity of a financial instrument, such as a card hash. The system creates an anonymous account that corresponds to the financial instrument, and stores line level data associated with the transaction in the anonymous account. Future transactions that use the same financial instrument are also stored in the anonymous account. As a result, all transactions can be linked to the same user. | 2014-08-07 |
20140222669 | Integrated Electronic Cash Flow Management System and Method - A cash flow management system is provided within a host system for facilitating cash flow management for businesses. The cash flow management system includes an electronic billing and invoicing computing system enabling generation and transmission of electronic bills based on business invoices and for displaying the generated bills for payment and an integrated receivables and reconciliation system receiving notification of received payments and for matching received payments with the generated invoices. The system additionally includes a communication interface for allowing the cash flow management system to communicate with multiple financial management systems accessible to the host enterprise, the systems including at least an accounting system, the integrated receivables management system receiving information from the financial management systems within the host system to facilitate management of cash flow for the businesses using the cash flow management system for electronic billing. | 2014-08-07 |
20140222670 | CONTACTLESS PAYMENT APPLICATION MANAGEMENT - A system and method for completing a financial transaction using contactless payment applications within a mobile device is disclosed. The mobile device may include at least one mobile payment card application and at least one mobile wallet application designed to manage one or more mobile payment card applications stored on the mobile device. Conflicts between the requirements for the mobile payment card application and the wallet application regarding activation of the contactless mobile payment card application may be resolved through the use of payment card and wallet applications stored in the handset of the mobile device, as well as card payment applications, wallet applications, and a platform specifying a framework for managing contactless applications stored in a SIM component of the mobile device. | 2014-08-07 |
20140222671 | System and method for the execution of third party services transaction over financial networks through a virtual integrated automated teller machine on an electronic terminal device. - Disclosed is an automated computerized system and customer facing electronic device screen interface that acts as virtual integrated automated teller machine, referred to herein as the iATM system. The iATM system enables electronic terminal device users to request and authorize their preferred financial services through the existing automated teller machine (ATM) and point-of-sale (POS) networks by automating non bank third party financial services transactions on the electronic terminal device. The iATM system utilizes an aggregate of personal and third party services information, multifactor authentication and non-depository virtual accounts, acting as temporary transaction accounts, to enable transaction acquiring processors and third party service providers to give electronic device users access to third party services over financial networks, utilizing a new and novel method that requires no modifications to the existing ATM and POS network infrastructure. | 2014-08-07 |
20140222672 | System And Method For Validating A Controller For An Automated Banking Machine Using A Displayed Indicia - A computer implemented method for validating the identity of a controller for an automated banking machine based on displayed indicia. The method includes detecting access to a secure compartment of an automated banking machine, displaying a security indicia visible from the secure compartment, receiving the security indicia at an input device and a first controller accessible from outside of the secure compartment, and validating the identity of the controller based on the received security indicia. | 2014-08-07 |
20140222673 | System and Method for Communicating Financial Transactions Using a Tagless Data Interchange Format - An automated banking a machine such as a teller cash recycler uses a system and method for receiving operating instructions from a remote system in the form of JavaScript object notation (JSON) documents. The system and method uses a computer implemented method for transmitting information between automated banking machines over a communication network. The method includes receiving a message for network communication from a first automated banking machine to a second automated banking machine, formatting the message in a tagless data interchange format independent of the size of the message based on instructions stored on a computer readable medium within the first automated banking machine, and transmitting the formatted message to the second automated banking machine. | 2014-08-07 |
20140222674 | CHECK CASHING BANKING SYSTEM - A card actuated automated banking machine ( | 2014-08-07 |
20140222675 | System and method for enabling anonymous money transfer - A method for enabling the transfer of currency between two parties that is comprised of an electronic application through which a receiver specifies the amount of money requested on a device, the device relays this information to a web server, which organizes this information and sends it to a central database which generates a unique transaction ID that is sent back to the web server and back to the device. The device translates this ID into a QR code, the payer scans the QR code, their device passes the ID through a web server and security filters for verification, routes the request to a central database, and executes the requested transfer without compromising the identities of either party. The application can be run on any compatible electronic platform and implements varying security verification techniques based on user preference. | 2014-08-07 |
20140222676 | MOBILE PAYMENT METHOD, SYSTEM AND DEVICE USING HOME SHOPPING - The present embodiment relates to a mobile payment method, system and device using home shopping, wherein OTP (One Time Password) information is verified through a telephone conversation with an agent, ARS or a webpage, depending on the method for purchasing the specific merchandise chosen by the user in the process of executing a mobile payment using home shopping, and electronic payment is executed more rapidly and securely thereby. The present embodiment also relates to a mobile payment method, system and device adapted for transmission using an applicable payment device, without need for direct user input of OTP (One Time Password) information based on payment-means information chosen by the user in the process of executing a mobile payment using a terminal, and adapted to allow the execution of more secure payments through verification in accordance with the selected payment means. | 2014-08-07 |
20140222677 | METHODS AND SYSTEMS FOR VERIFYING TRANSACTIONS - An aspect of the present invention provides a computer-implemented method for verifying authorisation of a transaction. The method comprises the steps of: receiving a request to process an electronic transaction for a predetermined amount of money ( | 2014-08-07 |
20140222678 | SYSTEM AND METHOD FOR AUTHENTICATION USING SPEAKER VERIFICATION TECHNIQUES AND FRAUD MODEL - Embodiments of the invention provide for speaker verification on a communication device without requiring a user to go through a formal registration process with the issuer or network. Certain embodiments allow the use of a captured voice sample attempting to reproduce a word string having a random element to authenticate the user. Authentication of the user is based on both a match score indicating how closely the captured voice samples match to previously stored voice samples of the user and a pass or fail response indicating whether the voice sample is an accurate reproduction of the word string. The processing network maintains a history of the authenticated transactions and voice samples. | 2014-08-07 |
20140222679 | Method and Apparatus to Validate a Subscriber Line - A method is described of providing validation data associated with a subscriber line of a telecommunication network. The method includes obtaining line data of the subscriber line wherein the line data is suitable for interrogating a line identification database (LIDB). The method interrogates the LIDB with the line data to obtain reference subscriber data associated with the line data, and processes the reference subscriber data to obtain validation data associated with the subscriber line. The invention extends to a subscriber line validation system to validate a subscriber line of a communication network. | 2014-08-07 |
20140222680 | APPARATUS, SYSTEM AND METHOD FOR SECURE TRANSACTIONS AND MONITORING IN A RETAIL ENVIRONMENT - An apparatus, system method of providing mobile checkout. The apparatus, system and method may include obtaining, via an opt-in to an in-store wireless network, of consumer device data regarding a plurality of consumer mobile devices, the consumer data comprising device use data, prior purchase data, and GPS data, receiving video surveillance data related to at least one consumer having consumer device data, interrelating, from at least one non-transitory computer-readable medium storing at least the consumer device data and the video surveillance data, of at least the consumer device data and the video surveillance data by at least one computing processor, and applying, by the computing processor, of a plurality of business rules to the interrelated datas to enable at least the mobile checkout, wherein the mobile checkout includes a purchase of at least one in-store item via the consumer device associated with the purchasing one of the at least one consumer. | 2014-08-07 |
20140222681 | ONLINE PAYMENT SYSTEM AND METHOD - System, method, and computer program product are provided for a user to send and receive P2P payments using the Internet. Through the use of a network, a user may access accounts the user has at a financial institution and direct payments to other individuals or entities using the other individuals or entities alias. In this way, the user may ensure a secure payment to a third-party through the network associated with a financial institution. The payments may be directed to individuals the user may input into the system by providing the user's alias. A user's alias may be a unique identifier of the user and tied to a financial account of that user. In this way, the sender of the P2P payments may input the recipient's alias and transfer funds via the P2P payment system without having to input the recipient's account information. | 2014-08-07 |
20140222682 | PROVISIONING A MOBILE COMMUNICATION DEVICE WITH ELECTRONIC CREDENTIALS - A novel system and methodology for conducting financial and other transactions using a wireless device. Credentials may be selectively issued by issuers such as credit card companies, banks, and merchants to consumers permitting the specific consumer to conduct a transaction according to the authorization given as reflected by the credential or set of credentials. The preferred mechanism for controlling and distributing credentials according to the present invention is through one or more publicly accessible networks such as the Internet wherein the system design and operating characteristics are in conformance with the standards and other specific requirements of the chosen network or set of networks. Credentials are ultimately supplied to a handheld device such as a mobile telephone via a wireless network. The user holding the credential may then use the handheld device to conduct the authorized transaction or set of transactions via, for example, a short range wireless link with a point-of-sale terminal. | 2014-08-07 |
20140222683 | FINANCIAL INSTRUMENT HAVING LOAN PROCEEDS AND PRE-PAID CHARACTERISTICS - Financial methods and systems for using a financial instrument are disclosed. A financial account includes both a loan balance portion and a pre-paid cash balance portion. The loan balance portion and the pre-paid cash balance portion are used in performing a purchase transaction. The purchase transaction is initiated by the account holder using the financial instrument. A prioritization scheme is selected that indicates an order of priority of the loan balance portion and the pre-paid cash balance portion of a financial account. A purchase amount is applied to the financial account according to the prioritization scheme. A transaction fee is not charged by the financial institution when any portion of the loan balance portion is applied to the purchase amount. And, a transaction fee is charged by the financial institution when no portion of the loan balance portion is applied to the purchase amount. | 2014-08-07 |
20140222684 | INFORMATION RECORD INFRASTRUCTURE, SYSTEM AND METHOD - A data security apparatus and method for controlling access to records provided within automated electronic databases, each record having an associated set of access rules, comprising: receiving, by a security processor, a request for access to records associated with at least one of an entity, attribute, and datum from a requestor; determining a set of records associated with the requested entity, attribute, or datum, contained in the automated electronic databases; authorizing access to the records within the determined set of records based on compliance with the associated set of access rules; defining an economic compensation rule, satisfaction of which is required for qualification for access to the set of records; selectively permitting access to records in dependence on satisfaction of the compensation rule; communicating the access permissions to the host automated electronic databases; and logging the request for retrieval and a respective access of each record. | 2014-08-07 |
20140222685 | SYSTEMS AND METHODS FOR ENCRYPTING LOCATION BROADCASTS - The present disclosure provides a system and method for providing a user with supplemental content based on the user's preferences and location. The disclosure provides a computer program that allows users to discover and organize content from a platform that is accessible from a mobile device or computer. Additionally, the disclosure provides a system for determining a user's location while indoors. The system can associate the user's location with specific content or items in a store and provide the user with supplemental content related to those items. | 2014-08-07 |
20140222686 | AUTHENTICATING LICENSES FOR LEGALLY-PROTECTABLE CONTENT BASED ON LICENSE PROFILES AND CONTENT IDENTIFIERS - The disclosed technology can mitigate the risk of infringing a content owner's rights in legally-protectable content by operating as a trusted, third-party license authority between content owners and content users to ensure that a license governing at least some aspects of the protectable content is authentic and thus validly represents the restrictions imposed by content owners pertaining to the use, distribution, modification, combination, interaction, and/or other manipulation of such content. An identifier representative of the protectable content together with a profile of the license (which may include attributes that specify particular restrictions, uses, and interactions pertaining to the protectable content) can serve as a basis for determining the authenticity of the license associated with the protectable content. The protectable content can correspond to one or more multimedia presentations, video segments, audio segments, textual representations, works of art, visual representations, technological know-how, business know-how, contract rights, and/or software elements. | 2014-08-07 |
20140222687 | APPARATUS AND METHOD FOR REVERSE AUTHORIZATION - An apparatus and method for user identity control are provided. The apparatus includes a communication unit, a storage unit including a unique ID and a plurality of sections, each section including different identity information, and a controller for, in response to a transaction request, transmitting a request for identity information to an authorization server via the communication unit, and for, in response to authorization information received from the authorization server, transmitting identity information to a third party to complete the transaction according to the received authorization information. | 2014-08-07 |
20140222688 | APPARATUS AND METHODS FOR SECURE ELEMENT TRANSACTIONS AND MANAGEMENT OF ASSETS - Methods and apparatus for the deployment of financial instruments and other assets are disclosed. In one embodiment, a security software protocol is disclosed that guarantees that the asset is always securely encrypted, that one and only one copy of an asset exists, and the asset is delivered to an authenticated and/or authorized customer. Additionally, exemplary embodiments of provisioning systems are disclosed that are capable of, among other things, handling large bursts of traffic (such as can occur on a so-called “launch day” of a device). | 2014-08-07 |
20140222689 | SECURE AND EFFICIENT PAYMENT PROCESSING SYSTEM - A method of processing commercial transactions carried out over the Internet ( | 2014-08-07 |