33rd week of 2015 patent applcation highlights part 46 |
Patent application number | Title | Published |
20150227892 | USER CHARACTERISTICS-BASED JOB POSTINGS - A computer system maintains a member characteristic of a member of an online social networking service, and maintains a job characteristic of a job profile of a job posted to a job posting service. The system further receives an input from the member to modify the member characteristic, compares the modified member characteristic with the job characteristic, and transmits a message to the member based on the comparison of the modified member characteristic with the job characteristic. | 2015-08-13 |
20150227893 | ESTIMATE METHOD AND GENERATOR - A method and apparatus digitally receive data for a property selected from a group consisting of: digitally retrieved digitized property records system data for the property; a digitally retrieved graphic of the property; and an input nature of a claim regarding the property. Based on the received data, and initial hierarchical scripted claim questionnaire is displayed. An estimate for the property is displayed utilizing responses to the modified questionnaire. | 2015-08-13 |
20150227894 | AUTOMATED CUSTOMER COMMUNICATION - A system may provide automated communication of a vehicle status with a customer. The system may comprise a computing device, a database, a user interface, and a server. The computing device configured to receive contact information of the customer and vehicle status from a vehicle service facility. The database may be in communication with the computing device and configured to store the contact information and vehicle status. The user interface may be in communication with the database and configured to present the vehicle status. The server may be configured to automatically send a link associated with the internet dashboard. | 2015-08-13 |
20150227895 | System for Handling Network Transactions - A method of securing a transaction that comprises a trust entity computer in communication with data storage, a first party and a second party over a network, and receiving a request from the first party to undertake a transaction with the second party. In addition, receives a first token, storing the first token in the data storage, receiving a second token from the second party, comparing the stored first token and the received second token, if the stored first token and the received second token are a match, enabling the transaction. | 2015-08-13 |
20150227896 | GATEWAY FACILITATING DOCUMENT TRANSACTIONS AND RELATED METHODS - Embodiments of the present disclosure disclose gateway facilitating document transactions and related methods. Specifically, the disclosure discloses a gateway facilitating document transactions within a third party workflow. The gateway includes a front-end module and a controller. The front-end module is configured for providing one or more interfaces to a user to perform a document transaction, the one or more interfaces being configured for allowing the user to login into a document banking account of the user; displaying one or more documents available in the document banking account of the user; and allowing the user to select one or more documents for the transaction. The controller, interacting with the front-end module, and being configured for authenticating the third party, and the user for the document transaction; and based on the authentication, transferring the one or more documents selected by the user from the document banking account of the user to a document banking account of the third party. | 2015-08-13 |
20150227897 | Method of Making, Securing, and Using a Cryptocurrency Wallet - A method of making, securing, and using a tangible Cryptocurrency wallet, wherein the tangible Cryptocurrency wallet is a printable medium that displays a public key that is in visible ink and that conceals a private key in invisible ink. The tangible Cryptocurrency wallet can be used in public by the user, for the private key can only be disclosed by the owner of the tangible Cryptocurrency wallet when the owner illuminates the private key with a light source that has a specific wavelength. The tangible Cryptocurrency wallet is a wallet that can be made of paper or of any material in which visible and invisible ink can be recorded. | 2015-08-13 |
20150227898 | PLATFORM, SYSTEM, AND ASSOCIATED METHOD FOR THE EXCHANGE OF DIGITAL CURRENCIES BETWEEN MEMBERS IN A MOBILE ENVIRONMENT - A system and associated method and service for providing a platform that enables members to transfer, receive, or otherwise exchange cash in various international denominations and commodities, such as precious metals (e.g., gold, silver, etc.), in a mobile highly secured telecommunications environment. The system is capable of delivering cash instantly between two or more users by allowing the exchange of secure transactions between system and cash dispensing machines (ATMs). Users may pay, receive, exchange, deposit, transfer, pay bills, exchange currency, retrieve cash, deposit cash and create accounts based on the mobile phone number or a system generated code. | 2015-08-13 |
20150227899 | METHOD AND APPARATUS FOR DISTRIBUTION OF MONEY TRANSFERS - A method for performing transactions comprises receiving registration information and money transfer transaction specifications, generating a distribution profile based on the registration information, and storing the money transfer transaction specifications in the distribution profile. The distribution profile is identified based on an initiation instruction and associated user authentication data, and one of the money transfer transaction specifications in the distribution profile is identified based on the initiation instruction. Payment source status is verified according to the identified money transfer transaction specification, and a staged send transaction is initiated, based on the payment source status at the time the send transaction is initiated. | 2015-08-13 |
20150227900 | BUSINESS TO BUSINESS INVOICE GENERATION AND PAYMENT SYSTEM AND METHOD USING MOBILE PHONES - A method and system for processing invoice transactions between vendors (distributors) and retailers (merchants) via mobile phone is disclosed. Each distributor has a unique vendor identifier. Each retailer has a unique identifier, typically his/her mobile phone number. An intermediary system processes payments and upon verification of account balance at retailer's bank, the intermediary system notifies the vendor bank, debits the funding account at the retailer's bank, processes a credit to the vendor's bank, and sends an approval message to the retailer's mobile phone. | 2015-08-13 |
20150227901 | SPECIALIST PRESENTATION THROUGH AN ONLINE BANKING ACCOUNT - Embodiments of the invention provide a specialist presentation tool that presents a specialist from an institution to a user in an online banking account. The specialist may be presented to the user based on triggers that occur when the user takes actions, or when actions are taken with respect to a user account. The determination of the one or more specialists to present to a user from a group of specialists that satisfy a trigger may be based on one or more conditions that match the specialist with the user. The conditions may include but are not limited to locations of the user and specialists, profile information of the user and specialists, social networking contacts or information for the user and specialists, or other like account profile information for the user and specialists. | 2015-08-13 |
20150227902 | SPECIALIST PRESENTATION - Embodiments of the invention provide a specialist presentation tool that presents a specialist from an institution to a user in a website or application the user is viewing, an application running in the background of a user system, or through a communication channel. The specialist may be presented to the user based on triggers that occur when the user takes actions, or when actions are taken with respect to a user account. The determination of the one or more specialists to present to a user from a group of specialists that satisfy a trigger may be based on one or more conditions that match the specialist with the user. The conditions may include but are not limited to locations of the user and specialists, profile information of the user and specialists, social networking contacts for the user and specialists, or other like account profile information for the user and specialists. | 2015-08-13 |
20150227903 | REMOTE REVOCATION OF APPLICATION ACCESS BASED ON LOST OR MISAPPROPRIATED CARD - Embodiments of the invention relate to systems, methods, and computer program products for accessing a remotely located mobile device of a user based on certain events is provided. The system, method, and computer program product are configured to: (a) receive an indication that a transaction vehicle of the user is compromised; (b) identify a mobile device of the user that is associated with the transaction vehicle of the user that is compromised; (c) upon identifying the mobile device of the user, remotely access the mobile device of the user; and (d) reconfigure one or more applications accessible to the mobile device or one or more functional features of the mobile device based at least partially on receiving the indication. | 2015-08-13 |
20150227904 | Systems and Methods for Processing a Payment Coupon Image - Embodiments of the invention may provide systems and methods for processing a payment coupon image. In one embodiment, a method includes receiving an image representing a payment coupon from a payer, determining an identity of a biller associated with the payment coupon based at least in part on information displayed by the image, and extracting data from the image based at least in part on payment coupon metadata associated with the biller indicating a layout of the payment coupon. The method may further include performing at least one of: (a) processing a payment associated with the payment coupon to the biller based at least in part on the data extracted from the image; (b) adding the biller to a list of billers for a payer associated with the payment coupon; or (c) activating the biller as an electronic biller for the payer associated with the payment coupon. | 2015-08-13 |
20150227905 | DIGITAL JUKEBOX DEVICE WITH KARAOKE AND/OR PHOTO BOOTH FEATURES, AND ASSOCIATED METHODS - Certain exemplary embodiments relate to entertainment systems and, more particularly, certain exemplary embodiments relate to jukebox systems that incorporate digital downloading jukebox features along with karaoke jukebox and/or photo booth features. A combined karaoke/photo booth/jukebox may enable more integrated performance-like experiences in an in-home or out-of-home location or venue. By leveraging vast audio media libraries, trusted rights-respecting network infrastructure, and on-site image/video capturing from integrated recorders and/or remote portable devices, a more sociable experience may be created for karaoke jukebox patrons, e.g., where custom content can be generated and shared in a safe and legally appropriate manner. | 2015-08-13 |
20150227906 | PAYMENT PROCESSING AND CUSTOMER ENGAGEMENT PLATFORM METHODS, APPARATUSES AND MEDIA - A customer engagement device (CED) may receive a payment token associated with a transaction from a point of sale (POS) system. The CED may retrieve transaction details associated with the transaction from a gateway. The CED may prompt a customer to provide payment information for the transaction and may collect payment information from the customer. The CED may provide the payment information and may obtain a transaction authorization from the gateway. The CED may inform the POS system regarding the transaction authorization. | 2015-08-13 |
20150227907 | READING APPARATUS - In accordance with one embodiment, a reading apparatus, arranged at a position between an operator and a customer who stand in a face to face manner, comprises a main body having an opening on a surface thereof facing the operator, an image capturing section for operator, housed in the main body, configured to photograph a commodity through the opening of the main body to capture an image of the commodity, and a reading section for customer, arranged on the main body, configured to communicate with an object, which is held by the customer and is capable of realizing near field communication, to read specified additional information stored in the object. | 2015-08-13 |
20150227908 | READING APPARATUS - In accordance with one embodiment, a reading apparatus, arranged at a position between an operator and a customer who stand in face to face manner, comprises a main body having an opening on a surface thereof facing the operator, a first image capturing section for operator, housed in the main body, configured to photograph a commodity through the opening of the main body to capture an image of the commodity, and a second image capturing section for customer, arranged on the main body, configured to photograph an object held by the customer to capture an image of the object. | 2015-08-13 |
20150227909 | Medical Device Payment System - Methods of providing payment for use of a medical device on a per-treatment session basis are disclosed. The methods include downloading treatment credits to the device linked to a customer account and activating the medical device when the number of available treatment credits is greater the one. The number of treatment credits downloaded to the device is based on at least one of a credit limit provided to the customer account and a number of prepaid treatment credits purchased by the customer. In other embodiments, the medical device monitors the number of treatment sessions performed and activates the device only when a customer's account is current. | 2015-08-13 |
20150227910 | METHOD AND SYSTEM FOR FACILITATING MICRO-TRANSACTIONS - The present invention relates to method of facilitating micro-transaction payments. The method includes the steps of receiving a payee identifier at a device; and actuating payment of a payment amount to the payee using the payee identifier in response to a first action by a user at the device. The payment amount is predefined by the user prior to receipt of the payee identifier by the device. A system for facilitating micro-transaction payments is also disclosed. | 2015-08-13 |
20150227911 | Method and System for Executing a Financial Transaction - In a method for executing a financial transaction by a financial service provider, a mobile customer device and a mobile or stationary dealer system are connected to a management server of a financial service provider system by means of a communication network. After the dealer system and the customer device have been registered and an identification number assigned to the customer device has been input, the dealer system sends transaction data to the financial service provider system, which produces a unique transaction code by means of a random generator and sends the unique transaction code to the dealer system. The customer must input the unique transaction code into the customer device. After the transaction data transmitted by the dealer system have been checked and confirmed by the customer, the financial transaction is executed and a notice of the successful execution of the transaction is sent to the customer device and the dealer system. | 2015-08-13 |
20150227912 | Devices and Methods for Facilitating Face to Face Funds Transfers - A device is provided that enables two account holders with associated payment cards to transfer funds between their accounts using their payment cards. The device comprises a payment card reader, communication means for communicating with a payment processing network, and a user interface. The device is configured to receive an input, via the user interface, indicating an amount to be transferred; to obtain data, via the payment card reader, from a first payment card associated with a first account from which funds are to be transferred; to obtain data, via the payment card reader, from a second payment card associated with a second account to which funds are to be transferred; and to initiate a transfer of funds, via the communication means, from the first account to the second account over the payment processing network. | 2015-08-13 |
20150227913 | KIT, SYSTEM AND ASSOCIATED METHOD AND SERVICE FOR PROVIDING A PLATFORM TO PREVENT FRAUDULENT FINANCIAL TRANSACTIONS - A system and associated method and service for providing a platform that prevents fraudulent transactions by allowing for the deposit, withdrawal, transfer, and exchange of denomination, including cash, international currencies, digital currency, hard and soft commodities, and coupons to and from members and non-members, in a mobile telecommunications environment, without tendering a financial instrument, such as a credit card or a check. | 2015-08-13 |
20150227914 | System and Method for Supporting Mobile Unit Connectivity for Computer Server to Process Specific Orders - The present invention is an applications gateway that offers multiple functions and features for specific geographic venue locations, while providing easy access to advertising, purchasing, and redemption opportunities for that specific geographic venue location. Venue locations can be stadiums, shopping malls, amusement parks, open air spaces where people can congregate, and/or buildings, which most often require the presence of a concentration of people. The venue location may correlate to the location of the hand-held mobile unit or it may be a remote geographic venue location not near the location of the hand-held mobile unit. Access to the gateway application is through a hand-held mobile unit, which can include a mobile phone, smartphone device, or portable computer having a wireless radio transmission connection. (e.g. iPhone, Droid, iPad, Slate, etc.) | 2015-08-13 |
20150227915 | System and Method for Supporting Mobile Unit Connectivity for Computer Server to Process Specific Orders - The present invention is an applications gateway that offers multiple functions and features for specific geographic venue locations, while providing easy access to advertising, purchasing, and redemption opportunities for that specific geographic venue location. Venue locations can be stadiums, shopping malls, amusement parks, open air spaces where people can congregate, and/or buildings, which most often require the presence of a concentration of people. The venue location may correlate to the location of the hand-held mobile unit or it may be a remote geographic venue location not near the location of the hand-held mobile unit. Access to the gateway application is through a hand-held mobile unit, which can include a mobile phone, smartphone device, or portable computer having a wireless radio transmission connection. (e.g. iPhone, Droid, iPad, Slate, etc.) | 2015-08-13 |
20150227916 | APPLICATION SYSTEM FOR MOBILE PAYMENT AND METHOD FOR PROVIDING AND USING MOBILE MEANS FOR PAYMENT - Application system for mobile means of payment comprising mobile devices. A service provider, an account manager, a balance manager and a mobile POS terminal for executing a payment transaction initiated by a merchant and receiving the result of it. It comprises: a communications server ( | 2015-08-13 |
20150227917 | APPARATUS AND METHOD FOR A PAYMENT CARD SYSTEM - A payment card that facilitates use of a plurality of bankcards of a customer, at a point of sale terminal has a payment card with a front side and a backside with a substrate, the substrate encodes a customer identifier as a payment card data that is without a bankcard data, and maps the customer to a plurality of bankcards data in a third party system database. The payment card is enabled to be used at a merchant point-of-sale (POS) terminal with a customer entered PIN, enabling the POS terminal to transfer a payment authorization request record incident to a sales transaction, from the POS to a merchant gateway for routing to a card-issuing banks, thereby enabling use of the payment card in lieu of the customer bankcards at the merchant POS terminal. | 2015-08-13 |
20150227918 | SYSTEM AND METHOD FOR CHOPPING UP AND PROCESSING GIFT CARDS - Systems, methods, and computer-readable media for chopping up a gift card/code into smaller multiple gift card/codes. The system receives a request from a user to convert a closed-loop card/code having a value amount into two different closed-loop cards/codes and divides (or “chops up”) the closed-loop card/code into a first closed-loop card/code having a first value amount and a second closed-loop card/code having a second value amount, wherein the first value amount and the second value amount add up to no more than the value amount. The system offers the first closed-loop card/code and the second closed-loop card/code to one of the user and a third party. | 2015-08-13 |
20150227919 | Client Customized Virtual or Physical Card for Use with Selected Merchants - A client selects several merchants with whom the card may be redeemed, the amount redeemable, and a design for the card, which is personalized for the card recipient. | 2015-08-13 |
20150227920 | MANAGEMENT OF IDENTITIES IN A TRANSACTION INFRASTRUCTURE - A method of managing one or more identities in a transaction infrastructure uses a token identity. The user receives a physical token with a token identity known to a transaction authoriser. The user associates one or more transaction identities with the token identity. Before performing a transaction, the user may select one of the transaction identities when there is more than one of them, and identifies the selected transaction identity to the transaction authoriser. The user uses the physical token to perform a transaction with transaction apparatus associated with a transaction acquirer, whereby the transaction acquirer identifies the token identity to the transaction authoriser. The transaction authoriser then determines the selected transaction identity from the token identity, and establishes the transaction between an identity issuer for the selected transaction identity and the transaction acquirer. Suitable apparatus is described. An identity management service adapted to operate as a transaction authoriser is also described, as is use of a token identity as described without need for a physical token in e-commerce transactions. | 2015-08-13 |
20150227921 | MULTI-PURPOSE TRANSACTION CARD AND ASSOCIATED METHODS AND SYSTEMS - An approach for associating a card (e.g., a transaction card, an identification card, etc.) that corresponds to a primary account with one or more ancillary accounts (e.g., a library account, etc.) includes obtaining information from the card and associating that information with an ancillary account. The card may then be used to access the ancillary account. The card may be a transaction card and the primary account may be a financial account. The ancillary account may be a library account. When the card is a transaction card, fees associated with the ancillary account may be charged to the financial account. | 2015-08-13 |
20150227922 | METHODS AND ARRANGEMENTS FOR SMARTPHONE PAYMENTS AND TRANSACTIONS - The disclosure relates to a smartphone-based virtual wallet, that manages payment options available to a user. One claim recites a portable device comprising: a touch screen display; a microphone for capturing ambient audio; memory for storing an image; and one or more processors. The one or more processors are configured for: generating copies of the stored image; obtaining a payload corresponding to financial information; providing the payload to an erasure code generator, in which the erasure code generator produces a plurality of outputs; embedding one of the plurality of outputs in a copy of the stored image and proceeding with embedding until each of the plurality of outputs is so embedded in a copy of the stored image, in which the embedding utilizes digital watermarking; and causing the touch screen display to display embedded image copies so as to cause a static image display effect, the displayed embedded image copies being displayed by the portable device in response to a user input to enable a financial transaction. A great variety of other features, arrangements and claims are also detailed. | 2015-08-13 |
20150227923 | BIOMETRIC SOLUTION ENABLING HIGH THROUGHPUT FARE PAYMENTS AND SYSTEM ACCESS - A communications network places in data communication an access point controlling access to a controlled access area; a server; and a medium-long range wireless communications transceiver. The transceiver detects presence of a portable electronic device outside the access point. The server obtains an indication that a user of the portable electronic device has been authenticated to the portable electronic device and initiates a payment approval process which is completed before the user seeks to pass through the access point. Based at least in part on the authentication and success of the payment approval process, the server provides to the access point an electronic token indicating that the user, bearing the portable electronic device, is to be allowed to pass through the access point into the controlled access area. | 2015-08-13 |
20150227924 | DETERMINING AUTHENTICATION REQUIREMENTS ALONG A CONTINUUM BASED ON A CURRENT STATE OF THE USER AND/OR THE SERVICE REQUIRING AUTHENTICATION - Systems, apparatus, methods, and computer program products are provided for determining a user's authentication requirements/credentials for a specific service access request based on determining a location along a an authentication continuum. The location along the authentication continuum defines the degree of authentication/credentials required to access the service and is determined based on a current state of the user and/or service attributes. The more or less that is known about the current state of the user, in comparison to historical data about the user, the more or less likely the user is, in fact, the user that is attempting to access the service and, thus, the authentication requirements required to access the service can be adjusted according (increased or decreased). | 2015-08-13 |
20150227925 | METHODS AND ARRANGEMENTS FOR SMARTPHONE PAYMENTS AND TRANSACTIONS - The disclosure relates to digital signal processing such as digital watermarking, and the utilization of portable devices for such signal processing. One claim recites a portable device comprising a touch screen display; memory for storing a payload, and for storing portions of imagery; means for processing the payload with an erasure code generator, in which the erasure code generator produces a plurality of outputs corresponding to the payload; means for embedding a first of the plurality of outputs in a first portion of the imagery and proceeding with embedding until each of the plurality of outputs is embedded in portions of the imagery; and means for causing the touch screen display to display embedded portions of imagery so that a digital watermark reader analyzing captured image data representing the touch screen display can recover the payload. Of course, other claims and combinations are provided. | 2015-08-13 |
20150227926 | DETERMINING USER AUTHENTICATION REQUIREMENTS BASED ON THE CURRENT LOCATION OF THE USER IN COMPARISON TO A USER'S TRAVEL ROUTE - Systems, apparatus, methods, and computer program products are provided for determining a user's authentication requirements/credentials for a specific mobile network access session based on the current location of the user in comparison to a known typical travel route of the user. In this regard, if the user is located within the boundaries of the travel route during the time period when the user is typically travelling on the route, less, or in some instances no, authentication requirements are needed. Moreover, as the user deviates from the travel route in terms of distance and/or time the greater the authentication requirements/credentials may be required. Once the deviation is considered to significant in terms of distance and/or time full authentication requirements may be required. | 2015-08-13 |
20150227927 | REVOCATION OF APPLICATION ACCESS BASED ON NON-CO-LOCATED - Embodiments of the invention relate to an invention for accessing a remotely located mobile device of a user based on certain events is provided. The system, method, and computer program product are configured to: (a) monitor one or more transaction involving a transaction vehicle of a user; (b) determine a physical location of a transaction vehicle based at least partially on the one or more transactions; (c) determine a geographic location of a mobile device of the user, wherein the mobile device is associated with the transaction vehicle; (d) determine whether or not the transaction vehicle of the user and the mobile device of the user are co-located; and (e) reconfigure one or more applications accessible to the mobile device or one or more functional features of the mobile device based at least partially on determining that the mobile device and the transaction vehicle of the user are not co-located. | 2015-08-13 |
20150227928 | METHOD AND SYSTEM FOR PERFORMING MOBILE DEVICE-TO-MACHINE PAYMENTS - A device with one or more processors, memory, and two or more communication capabilities obtains, from a payment module, an authorization request via a first communication capability (e.g., Bluetooth). The device sends, to a server, the authorization request via a second communication capability distinct from the first communication capability (e.g., cellular or WiFi technology). In response to sending the authorization request, the device obtains, from the server, authorization information via the second communication capability. After obtaining the authorization information, the device detects a trigger condition to perform a transaction with a payment accepting unit associated with the payment module. In response to detecting the trigger condition, the device sends, to the payment module, at least a portion of the authorization information via the first communication capability. | 2015-08-13 |
20150227929 | FRAUD PREVENTION FOR TRANSACTIONS - Methods, systems, and apparatus include computer programs encoded on a computer-readable storage medium, and include a method for fraud prevention. A method includes receiving registration information for a user, including identities of the user and an authenticating device and a payment source identifier, and storing the registration information. A payment authorization request relating to a transaction purported to be by the user and including the payment source identifier is received. Using the payment source identifier, the identity of the user and the authenticating device is retrieved. A communication is provided to the user including transaction information. The message is delivered to the user at the authenticating device. The method also includes receiving (and subsequently forwarding) either a payment authorization or a payment repudiation responsive to the communication from the user by way of the authenticating device. | 2015-08-13 |
20150227930 | HOMOMORPHIC PASSCODE ENCRYPTION - A method of encrypting a passcode is disclosed. In one embodiment, the method includes: receiving an indication of a portion of the passcode; calculating a plaintext value based at least in part on the indication, wherein the plaintext value represents an encoded portion of the passcode; encrypting the plaintext value into ciphertext using a homomorphic encryption system; and updating a cumulative encryption string by executing a cumulative operation to aggregate the ciphertext corresponding to the encoded portion into the cumulative encryption string computed for a previous portion of the passcode, wherein the cumulative operation is dictated by a homomorphic property of the homomorphic encryption system. | 2015-08-13 |
20150227931 | SYSTEM AND METHOD FOR AUTHORIZING A TRANSACTION - The system comprises: a biometric scanner configured to obtain biometric information from a user; a controller configured to receive the obtained biometric information from the biometric scanner and to generate a transaction code based on the obtained biometric information, the controller being further configured to receive account data relating to an account of the user; a server configured to receive the account data and the transaction code from the controller; a database in communication with the server and having stored thereon the account data in association with a registered code, the registered code having been generated based on pre-obtained biometric information of the user; and wherein the server is operable to use the account data to identify the registered code and to authorize the transaction based on a comparison of the registered code with the transaction code. | 2015-08-13 |
20150227932 | ISSUING AND STORING OF PAYMENT CREDENTIALS - A system and method of issuing payment credentials to a consumer is disclosed. A payment processing network sends payment credentials and an identifier of a consumer to whom the payment credentials belong to a secure gateway. The secure gateway encrypts or zone translates the payment credentials and sends them to a mobile device of the consumer through a secure communication channel. The mobile device includes a hardware security module (HSM) which stores the payment credentials to be used for subsequent financial transactions by the consumer. Multiple sets of payment credentials may be stored on the HSM, corresponding to multiple payment accounts belonging to the consumer. | 2015-08-13 |
20150227933 | METHOD FOR PERFORMING TRANSACTIONAL COMMUNICATION USING A UNIVERSAL TRANSACTION ACCOUNT IDENTIFIER ASSIGNED TO A CUSTOMER - A method for sending a transactional message assigns a universal transactional account (UTA) identifier to a customer, associates the assigned UTA identifier with a customer account corresponding to the customer, assigns an account network address corresponding to a service provider, stores, in a routing database, the UTA identifier in association with the account network address, creates, using a second terminal including a processor, the transactional message comprising the UTA identifier and a value, and sends the transactional message to the service provider, the sending the transactional message to the service provider including using the routing database to look up the account network address corresponding to the UTA identifier and transmitting the transactional message to the account network address. | 2015-08-13 |
20150227934 | METHOD AND SYSTEM FOR DETERMINING AND ASSESSING GEOLOCATION PROXIMITY - A method and a system directed to location-based services within a wireless telecommunications or data communications network, and more particularly to other technical fields such as technologies used to authenticate secure payment card transactions, technologies to verify and validate payment card user identities, and for use with any application where the results of comparing two or more geographic locations has some utility or value. The method includes receiving information from a transaction device involving a payment card holder initiating a payment card transaction; identifying a location of the transaction device; identifying a location of a mobile device associated with the payment card holder; comparing the location of the transaction device with the location of the mobile device to determine a relative degree of proximity of the transaction device with the mobile device; and assessing the determined relative degree of proximity to determine whether the payment card transaction is valid or invalid. | 2015-08-13 |
20150227935 | PAYMENT AUTHORIZATION DATA PROCESSING SYSTEM FOR OPTIMIZING PROFITS OTHERWISE LOST IN FALSE POSITIVES - A financial payment authorization data processing system comprises a payment transaction request fraud scoring data structure that suffers occasionally from falsely scoring a legitimate transaction by a cardholder as fraudulent and would otherwise “decline” the transaction request. A so-called “false positive”. The financial payment authorization data processing system further includes a smart agent data structure to individually follow past transaction data and behaviors, and to provide its artificial intelligence observations on the magnitude, type, and quality of payment card revenues and business routinely engaged in by the cardholder who's transaction request is on the table. The computed level of transaction risk that is acceptable is raised in proportion to the cardholder's business value. As a further expedient, such quality cardholders would never be subject to a “declined transaction” if the requested payment transaction was less than some liberal minimum. | 2015-08-13 |
20150227936 | METHOD AND SYSTEM FOR PROVIDING RISK INFORMATION IN CONNECTION WITH TRANSACTION PROCESSING - A system for providing real-time risk mitigation for an authorization system. The system receives authorization requests from multiple merchants (or their respective acquirers) and processes such requests. Each processed request is then forwarded to its corresponding issuer for further authorization. Each processed request includes an authorization message. The authorization message can include a risk score, a number of reason codes, and a number of condition codes. The use of the risk score, reason codes and condition codes allows issuers to make better informed decisions with respect to providing authorizations. | 2015-08-13 |
20150227937 | RANDOM BIOMETRIC AUTHENTICATION METHOD AND APPARATUS - A system, apparatus, and computer-readable storage medium configured to authenticate users using biometric data from randomly selected digits. | 2015-08-13 |
20150227938 | TRANSACTION AUTHORISATIONS METHOD AND SYSTEM - A method and associated system for performing a transaction using biometric input from a cardholder | 2015-08-13 |
20150227939 | AFTER-SALES SERVICE COMMUNICATION ESTABLISHMENT METHOD AND SYSTEM THEREOF - The present disclosure discloses an after-sales communication establishment method and system thereof. The method comprises the steps as below. A network address and a product serial number are obtained by using a mobile device to detect an identification unit of the product. A cloud server is connected and an application located the cloud server is downloaded to the mobile device via the network address. The application is executed for transmitting the id number of the mobile device and the product serial number to a communication server. A corresponding after-sales terminal respect to the product serial number is determined by the communication server. Then, based on the id number, a communication between the after-sales terminal and the mobile device is established by the communication server. By the after-sales communication establishment method and system thereof, the requirement of manpower is reduced and the approval rating is raised. | 2015-08-13 |
20150227940 | System and Method of Routing a Search Query to a Forum - A method is provided for providing customer care to a user of an electronic device. An information query package is created from text added by the user in a query about the electronic device, as well as, a device profile of the electronic device. The customer care case is automatically routed to an appropriate forum based on an analysis of the information query package. The forum selection may include screening for compatibility of the customer care case with a particular forum based on factors such as language, expertise and availability. | 2015-08-13 |
20150227941 | METHOD FOR PROVIDING SUPPORT USING ANSWER ENGINE AND DIALOG RULES - According to one embodiment, a self-service system is to provide self-support knowledgebase (KB) information to allow users to navigate the self-support KB. A monitor is to track user interaction with the self-support KB while a user navigates through the self-support KB. An answer engine is to receive a query from the user to ask a question and in response to the query, to identify a predefined response to the query in view of a set of dialog rules. The answer engine is to transmit one or more related questions that the user will likely ask based on the dialog rules and the user interaction. The answer engine further transmits an invitation to allow the user to initiate a live support session after a predetermined condition has been satisfied. | 2015-08-13 |
20150227942 | SYSTEMS AND METHODS FOR ELECTRONICALLY DETERMINING ELIGIBILITY OF CERTIFIED PRE-OWNED STATUS FOR VEHICLES - Systems and methods are disclosed for electronically determining whether a vehicle is likely to satisfy the requirements of a certified-pre-owned (CPO) vehicle according to a certification program. | 2015-08-13 |
20150227943 | System and Method for Documenting Regulatory Compliance - A computer implemented system and method using a mobile device having a processor for displaying results of regulatory compliance tests configured to perform the steps of: displaying a first data field in the mobile application for allowing the entry of a handwritten value. Comparing a numerical result to that determined from the handwritten value against an expected numerical value. Displaying a final value based on the step of comparing in a second data field where the application indicates if the manufacturing compliance test is compliant based upon the final value. | 2015-08-13 |
20150227944 | SYSTEMS AND METHODS FOR PROVIDING HEALTHCARE SERVICES - A system includes a non-transitory machine readable storage medium and a processor in communication with the non-transitory machine readable storage medium. The processor is configured to analyze a database of patient healthcare data to identify a violation of a protocol for providing a patient with one or more medical procedures, determine an estimated cost for providing the patient with the one of more medical procedures if the protocol were to be followed, calculate a difference between a cost for providing the one or more medical procedures in violation of the protocol and the estimated cost for providing the inmate with the one or more medical procedures in accordance with the protocol, and generate an electronic notice identifying the violation of the protocol and at least one of a corrective action to be taken and a savings value if the corrective action is taken. | 2015-08-13 |
20150227945 | IMMUNOPROFILE CREDENTIALING SYSTEM - A system to store, manage and maintain individual's immunity status (immunoprofile) reports in a secure database to be used to grant access to designated locations. The results of the immunity status diagnostic tests are verified and credentials are issued certifying the individual's immunoprofile is current per national guidelines. These credentials establish the individual is not a health risk to others. The immunoprofile credentials are managed and maintained for example on an annual basis and can be accessed by administrators in order to permit visitors access to their facilities. | 2015-08-13 |
20150227946 | GENERATING BARCODE AND AUTHENTICATING BASED ON BARCODE - Operation identification is obtained from a captured barcode. An authentication criterion is determined whether is satisfied. If the authentication criterion is met, the operation identification and stored account information is sent to server for authenticating based on the account information. The authentication criterion includes whether a similarity degree between an image characteristic of a first surrounding image of a barcode and an image characteristic of a second surrounding image of the barcode is larger than or equal to a present threshold. The second surrounding image is an authenticated surrounding image of the barcode such as a surrounding image when the barcode is generated. The present techniques ensure that a successful authentication is possibly returned only when the first surrounding image is in consistent with the second image. It is difficult for the barcode placed on a fake webpage or sent through group sending by a hacker to pass authentication. | 2015-08-13 |
20150227947 | SYSTEM AND METHOD FOR AUTHENTICITY VERIFICATION - A system for authenticity verification includes: a unique product identity generation system (UPIDGS) configured for generating a unique product identity (UPID) code corresponding to a product; an anomaly generation and identification system (AGIS) connected with the UPIDGS and configured for generating an anomaly to be inserted into a standard pattern attached to the product; a database and information management system (DBIMS) connected with the UPIDGS and the AGIS; and a unique product identity verification system (UPIDVS) connected with the DBIMS and configured for receiving information from the DBIMS and verifying the authenticity of the product based on the authenticity of the 2D codes and the anomaly. The 2D codes are attached to the product and captured by the DBIMS. The AGIS is configured to locate and identify the anomaly from the product. The DBIMS is configured to determine the authenticity of the 2D codes and the anomaly. | 2015-08-13 |
20150227948 | APPARATUS AND METHOD FOR SALES DATA GATHERING USING MOBILE PHONE - A method and apparatus for performing analysis on data collected at a point of sale is disclosed. The data from the point of sale is collected using voice recognition technique implemented on a mobile communication device. In order to enable this, a limited vocabulary word recognition technique is implemented using a set of libraries storing speech utterances in a memory storage unit present of the mobile communication device. Dynamic updating of module parameters associated with the stored speech utterances is enabled by a speech refinement unit of the mobile communication device. The device further enables local as well as regional data collation and analysis. | 2015-08-13 |
20150227949 | Active feedback management system in physical world - A networked application system includes a plurality of user front-end devices each operating a user front-end application and a plurality of provider front-end devices each operating a provider front-end application. A networked back-end operates to interface with the user front-end application of each of the plurality of user front-end devices and with the provider front-end application of each of the plurality of provider devices. A user of the user front-end application is uniquely identified by a user ID. A goods and services provider is uniquely associated each provider front end device and the provider site where the provider front end device is operated is known. The networked back-end operates to monitor each of the plurality of user front-end devices, and each of the plurality of provider front-end devices in order to detect triggering events such as interactions between user device users and a provider sites. | 2015-08-13 |
20150227950 | SYSTEMS AND METHODS FOR ASCERTAINING NETWORK MARKET SUBSCRIPTION COVERAGE - A system and methods for estimating network subscription coverage within or across various markets. The system generates estimates of viewers that subscribe to certain network subscription packages in various geographic markets. The estimates may be organized in different fashions, such as organized by households, by income or other demographic, etc. In some embodiments, the system iteratively scales an estimated viewership count in a given market based on existing subscription data across all the markets and demographic characteristics of the various markets. The system may also redistribute estimates based on market capacity. | 2015-08-13 |
20150227951 | FORECASTING HOLIDAY WEEKLY SALES PROFILES - A “holiday” approach to forecasting department and/or corporate weekly sales profiles may be applied to weeks having shifting weekday holidays. In the United States, for example, shifting weekday holidays may include Valentine's Day, Independence Day, Thanksgiving, Christmas, and New Year's Eve/Day. The holiday approach may be applied the week before and the week including the holiday. The department weekly sales profile forecast for the holiday week may be based on a relationship between a department weekly sales profile and a corporate weekly sales profile for the holiday week for one or more previous years, and on the corporate weekly sales profile for the holiday week the last time the holiday occurred on the same day of the week. | 2015-08-13 |
20150227952 | MULTI-TARGET TRACKING FOR DEMAND MANAGEMENT - In a method for monitoring a tracked parameter for a set of targets, a first methodology is applied during a current time interval to acquire observations of the tracked parameter for a selected sub-set of the set of targets. A second methodology is applied during the current time interval to acquire observations of the tracked parameter for at least those targets that are not in the selected sub-set of the set of targets. A variance forecast is generated for an upcoming time interval for each target based on a current variance for the target and on either observations acquired using the first methodology or using the second methodology. The selected sub-set of the set of targets is updated for the upcoming time interval to maximize an aggregation of variance forecasts over the updated selected sub-set of the set of targets. | 2015-08-13 |
20150227953 | HOLDING ACCESS PRICE CONSTANT FOR SELECTED TIME WHEN ACCESS PRICES CHANGE DYNAMICALLY IN AN AUTOMATES SYSTEM FOR DELIVERING REASONABLY PRICED ACCESS TO CONTENT - A computer-implemented system and method that provide dynamic, essentially real time pricing of users' access to content represented by articles, which pricing varies over time with user behavior to reflect actual values that users place on access to the articles. The system includes an improvement that freezes the access price of an article for some period of time after a user selects the article to enable the user to make a purchasing decision based on the access price at a time related to the time the user selected the article, while the access price for the same article may change for other users. | 2015-08-13 |
20150227954 | PUSH SYSTEM FOR MOBILE GAME PROMOTION AND THE METHOD OF PUSH SERVICE - A system and a method for mobile game promotion are disclosed. The push system for mobile game promotion includes a push server and a database server. The push server transmits a promotion message for a mobile game to target user device, monitors whether a user of the target user device performed a predetermined task in the game promotion message, and provides the user with rewards corresponding to performed tasks. The database server stores data provided by the user device and the push server. | 2015-08-13 |
20150227955 | SHOPPING E-MONEY MANAGEMENT SERVICE METHOD IN ELECTRONIC COMMERCE USING INTERNET AND COMPUTER-READABLE RECORDING MEDIUM HAVING PROGRAM RECORDED THEREON FOR EXECUTING SAME - The present invention relates to a shopping e-money management service method in an electronic commerce using the internet, wherein the shopping e-money is provided to a newly registered member or a product non-shopper who does not have a product purchase list for a certain period of time such that the member or the non-shopper can use a fixed amount of money like cash for a monthly installment, thereby enabling cost efficiency and inducing continuous purchases. | 2015-08-13 |
20150227956 | UNIPONS - A system which provides information to customers in various ways about a discount a Brand is offering to purchase a product. Once the customer chooses a discount offer, instead of having multiple coupons to purchase different products, the customer only needs one coupon in each case to purchase the item and receive the discount. Once a customer has a UNIPONS coupon, the customer has the capability of purchasing any coupon offer provided through UNIPONS using the single UNIPONS coupon method. UNIPONS coupons are distributed through the UNIPONS website database, the Ecommerce site and Retail stores. | 2015-08-13 |
20150227957 | MAXIMIZING CREDIT CARD REWARDS - Embodiments of the present invention disclose a method, computer program product, and system for splitting credit card transactions. A computer receives a request to complete a credit card transaction from a point of sale device. The computer determines an optimal distribution of the credit card transaction across a plurality of payment sources. The computer divides the credit card transaction into a plurality of smaller credit card transactions, based at least in part on the optimal distribution of the credit card transaction, wherein each of the plurality of smaller credit card transactions corresponds to a payment source of the plurality of payment sources. The computer sends each of the plurality of smaller credit card transactions to the corresponding payment source for approval. | 2015-08-13 |
20150227958 | SETTLEMENT TERMINAL AND METHOD FOR THE SAME - A settlement terminal comprises a reading module for reading information stored in a storage medium held by a customer; a settlement module for executing settlement processing based on settlement information read by the reading module; a point granting module for adding points corresponding to a settlement amount to a cumulative value associated with the identification information read by the reading module, within point management data in which the identification information for identifying each storage medium and the cumulative value of points granted for the identification information are associated with each other, to grant the points; a point use module for subtracting the instructed point from the cumulative value associated with the identification information read by the reading module to use the points in a pre-determined service; and a provision module for providing an operation screen for continuously executing the use and the granting of points in a series of operations. | 2015-08-13 |
20150227959 | System and method for using data tags to manage tasks and rewards in providing object-to-object services - The present invention relates to a method and system that use data tags to track tasks in applications to provide Object-to-Object (OTO) services. A first application data tag is issued by a data tag server as in an OTO service platform in response to an initiation of a first application by a first initiator. The first data tag specifies at least one first task for fulfilling a first service. The first application data tag is scanned by a first user terminal by a first participant. A first action data tag is issued by the data tag server. A first dynamically variable task data tag is issued by the data tag server to track the first task in the first action. The first dynamically variable task data tag is updated to record the completion of the first task in the first action when the first task is completed. | 2015-08-13 |
20150227960 | CAMPAIGN MANAGEMENT CONSOLE - User interface displays are generated that have user input mechanism that receive campaign creation user inputs to create an automated campaign. The campaign is activated, and analytics components gather and generate performance information indicative of a performance of the created campaign. The performance data is displayed, for individual actions, and aggregated actions for user management of the campaign. | 2015-08-13 |
20150227961 | CAMPAIGN MANAGEMENT USER EXPERIENCE FOR CREATING AND MONITORING A CAMPAIGN - A campaign user interface display is generated. A user can create and monitor a campaign from the same user interface. | 2015-08-13 |
20150227962 | A/B TESTING AND VISUALIZATION - A/B testing methods, apparatus, systems and presentations of A/B testing results are disclosed. An A/B testing method may include presenting a first version and second version under test to first and second groups of customers. The method may further include collecting, during a first test period, data based on responses to the first and second versions under test, and determining, based on data collected during the first test period, a probability representative of a likelihood that the second version outperforms the first version. The method may also include calculating an estimate for a second test period over which additional data regarding responses to the first and second version is to be collected before the likelihood that the second version outperforms the first version has a predetermined relationship to a target probability. | 2015-08-13 |
20150227963 | SYSTEMS, METHODS, AND APPARATUS FOR BUDGET ALLOCATION - Systems, methods, and apparatus are disclosed herein for allocating a budget among sub-campaigns of an advertisement campaign. The methods may include retrieving data associated with a plurality of users. The data may include data points and action identifiers associated with each user of the plurality of users. Each data point may identify an interaction between a user and a sub-campaign. Each action identifier may include one or more data values identifying a user action. The methods may also include determining a plurality of performance metrics based on the retrieved data. A performance metric may be determined for each sub-campaign. The methods may further include determining a plurality of allocated budgets based on the plurality of performance metrics. An allocated budget may be determined for each sub-campaign. Moreover, each allocated budget may be a portion of a total budget associated with the advertisement campaign. | 2015-08-13 |
20150227964 | Revenue Estimation through Ensemble Modeling - An ensemble model is described that is usable to predict revenue metrics for one or more keywords. The ensemble model may be formed using both a historical model and a user behavior model. In one or more implementations, weights are assigned to the historical model and/or the user behavior model based on one or more criteria. Various processing techniques of the ensemble model may utilize the historical model and the user behavior model to predict revenue metrics for one or more keywords. | 2015-08-13 |
20150227965 | METHOD AND SYSTEM FOR EVALUTING SIGNAGE - A method for capturing a scene image of signage from a vehicle moving on a road or from a person's perspective not in a vehicle, the method includes the steps of capturing scene images of signage, recording video data of the scene image of signage into a memory, the video data being formed by image frames, tagging each image frame of the image frames or a group of the image frames with time data and location data, identifying a specific signage in the image frame, counting a least a potential number of people and a potential number of vehicles around the specific signage in the image frame, measuring a viewing angle formed between a driving direction of the vehicle or between a direction of movement of a person not in a vehicle and a viewing direction to the specific signage from the camera, classifying the specific signage into one of signage groups, and forming one or more databases including the classified signage groups and impact of each signage object. | 2015-08-13 |
20150227966 | METHODS AND APPARATUS TO GENERATE A MEDIA RANK - Methods, apparatus, systems and articles of manufacture are disclosed to generate a media rank. An example disclosed method includes (a) identifying households in which the product of interest was purchased, (b) calculating consumption factors for respective ones of the households based on a consumption total of the product of interest for the corresponding household and a household weight, (c) selecting first candidate media of interest, (d) calculating a rating value indicative of a relevance of the product of interest to the candidate media of interest based on the mathematical product of the consumption factor and a viewing time for corresponding ones of the households, (e) repeating (c) and (d) for second media, and (f) ranking the first and second media for the product of interest. | 2015-08-13 |
20150227967 | UNIFIED SOCIAL MEDIA CAMPAIGN MANAGEMENT - This disclosure pertains to a Multi-Location focused cloud based computer system and methods, which can be White Labeled, for creating, conducting, managing, monetizing and gauging the effectiveness of Social Media Marketing Campaigns across all content deployed to one or more social networks. The key components consists of Social messages, a time zone aware automated scheduling and posting module, an internal responsive Landing page builder and ‘plug-ins’ for use with external builders and Unified Metric System all managed from a Dashboard having Multi-Location Campaign management features. Together the components are referred to as Buzzes. A Campaign can have one or more Buzzes. The Unified Metrics System continuously tracks Follower Actions across all content then places them against a value matrix calculating a single effectiveness score called the BuzzScore. These components, in other systems, are typically disparate and require cobbling together multiple reports from various networks and web pages to determine effectiveness. | 2015-08-13 |
20150227968 | SYSTEMS AND METHODS FOR CREATING AND DELIVERING DIGITAL ADVERTISEMENTS IN A DELIVERY AD NETWORK - Systems and methods may create and deliver digital advertisements in a delivery ad network. In one implementation, a method may include receiving, by a processor, a digital advertisement. The digital advertisement may include data associated with a product. The method may also include linking, by the processor, the digital advertisement to the product. The linking may include associating a unique identifier associated with the digital advertisement to a unique identifier associated with the product. The method may further include preparing, by the processor, the digital advertisement for delivery. The preparation may include determining a destination device associated with a user. The method may further include transmitting, by the processor, the digital advertisement to the destination device associated with the user, and the transmission may be triggered by a predetermined set of rules. | 2015-08-13 |
20150227969 | SYSTEMS AND METHODS FOR MANAGING SEATING LOCATIONS AND PREFERENCES - A system or method is provided to determine a location preference of a user in a public event. A location and movement of the user in the public event, e.g., a concert hall or a stadium, may be monitored by detecting a location of the user's mobile device via Bluetooth Low Energy (BLE) communication using a network of BLE devices, such as beacons, positioned throughout the public event. In particular, a seating location of the user may be determined via BLE. The system may collect the user's locations and movements in the public event to determine user preference, such as seating or event preference. The location and event preference of the user may be used to generate targeted offers or advertisements specific for the user. For example, the system may analyze the seat location of the user and may offer tickets for similar seat locations and events to the user. | 2015-08-13 |
20150227970 | SYSTEM AND METHOD FOR PROVIDING MOVIE FILE EMBEDDED WITH ADVERTISEMENT MOVIE - Systems and methods for producing an advertisement movie that can produce an advertisement where the correlation between a movie data and an object which is the target of the advertisement is increased using big data solution, in producing advertisements for movies, and systems and methods for playing the advertisement movie produced thereby with movie data are disclosed. | 2015-08-13 |
20150227971 | METHOD AND APPARATUS FOR DISPLAYING IN-PRODUCT MESSAGES BASED ON AN INDIVIDUAL'S PAST MESSAGE INTERACTION - A computer implemented method and apparatus for displaying IPM messages based on an individual's past message interaction. The method comprises displaying an in-product message of a first plurality of in-product messages associated with a first product feature of a plurality of available product features; receiving an input with the displayed in-product message; based on the received input, determining that a threshold is not met; and displaying an in-product message of a second plurality of in-product messages associated with a second product feature of the plurality of available product features when the threshold is not met. | 2015-08-13 |
20150227972 | SYSTEM AND METHODS FOR IDENTIFYING AND PROMOTING TAGGED COMMERCIAL PRODUCTS - A system is provided for identifying and promoting tagged commercial products. The system may include a database storing product information for a plurality of commercial products and an interface for receiving submission of a content item containing one or more commercial products. The interface may also allow submission of identification information identifying a product characteristic of at least one of the commercial products in the content item, and the identification information can be stored in the database. A recommendation module may process the identification information and retrieve a subset of product information from the database using product characteristics of the commercial product. A website module generates display logic for displaying the subset of the product information on a user interface for presentation to the user. | 2015-08-13 |
20150227973 | SYSTEMS AND METHODS FOR ORGANIZING SEARCH RESULTS AND TARGETING ADVERTISEMENTS - Embodiments include a method for selling targeted web-based advertising. The method includes receiving an advertisement from a first user; receiving one or more targeted words from the first user; determining one or more contextual words from among the one or more targeted words, such that each of the one or more contextual words have two or more contextual senses; sending to the first user each of the two or more contextual senses for each of the one or more contextual words; receiving from the first user one or more contextual sense selections for each of the one or more contextual words; and receiving from the first user a payment or promise for payment based on one or more predetermined uses of the advertisement when the advertisement is displayed with one or more web pages. The advertisement is displayed with the one or more web pages based on a matching of the one or more web pages with the one or more targeted words and with the one or more contextual sense selections of each of the one or more contextual words. Other embodiments are disclosed. | 2015-08-13 |
20150227974 | Membership Processing Method Performed According to Franchise Registration Request of Customer, and Device and System Therefor - The present invention relates to a membership processing method comprising the steps of: enabling a franchise information processing device to receive franchise registration request information of a customer for registering a particular company as a franchise and to transfer the franchise registration request information to a corresponding company terminal; mapping corresponding company information with information on the customer who has requested the franchise registration, and classifying and registering the company information as the franchise of the corresponding customer; receiving a notification message including customer benefit information from a predetermined company terminal; and transferring the notification message including the customer benefit information to a client terminal of the corresponding customer, if the company which has transmitted the notification message is a registered franchise. Thus, the company can efficiently promote and sell products and manage customers, and a customer can actively designate a desired company as a franchise. | 2015-08-13 |
20150227975 | METHODS AND SYSTEMS FOR PROVIDING CONSUMPTION BASED COUPONS - Embodiments disclosed herein provide systems and methods for a retailer to attract consumers to a retailer's location over other retailer's location by transmitting coupons that are based on the consumer's fuel consumption to visit the retailer. In embodiments, the consumer's fuel consumption may be based on a plurality of factors, and as the required fuel consumption to visit the retailer increases the discount associated with a coupon may increase, and as the consumer's fuel consumption decreases the coupon's discount may decrease. | 2015-08-13 |
20150227976 | INTERNET SYSTEM FOR CONNECTING CLIENT-TRAVELERS WITH GEOGRAPHICALLY-ASSOCIATED DATA - A multi-dimensional information repository has a plurality of stored data structures; and one or more tags associated with individual ones of the plurality of data structures. The data structures are tagged according to locations and defined regions relative to the surface of the Earth, and a data retrieval system retrieves information from the data structures according to location data accompanying requests for data. In some cases data structures are also tagged relative to time in addition to location and defined regions, and both tags are used in retrieving data structures. An Internet-connected subscription server system using the data repository has a communication module for receiving data requests accompanied by location data and a code set for managing retrieval of information from the data repository in response to the data requests. The system, receiving a data request, uses the location data accompanying the request to determine location in individual ones of pre-defined regions, and uses the pre-defined region information to access data structures and retrieve information related to the pre-defined regions for transmission in response to the data requests. | 2015-08-13 |
20150227977 | GENERATING USER AUDIENCE GROUPS TO FACILITATE ADVERTISEMENT TARGETING - An online system receives one or more business rules associated with a third party system that associates online system users with an audience group based on characteristics of the user. When an online system user interacts with content provided by the third party system via a client device, contextual information describing the interaction is communicated from the client device to the online system. By applying one or more business rules to the contextual information, the online system associates the user with one or more audience groups. The online system determines that the user is eligible to be presented with the advertisement based at least in part on the one or more audience groups associated with the user and the one or more of the audience groups specified by the advertiser associated with the advertisement. And if eligible, the online system provides the advertisement to the client device for presentation. | 2015-08-13 |
20150227978 | SUBLIMINAL SUGGESTIVE UPSELL SYSTEMS AND METHODS - A method of upselling ordering items includes: in response to detection of a patron at or approaching an ordering terminal, capturing N sets of identification data for the patron using N passive patron identification systems, respectively, wherein N is an integer greater than one; calculating an overall confidence value indicating a level of confidence that the patron is associated with a unique patron identifier based on N comparisons of the N sets of identification data with N sets of stored identification data, respectively, associated with the unique patron identifier; based on the unique patron identifier, retrieving stored data indicative of an ordering item that is to be subliminally suggested to the patron during ordering; using the ordering terminal, displaying an ordering menu; and, when the overall confidence value is greater than a predetermined value, subliminally suggesting the ordering item to the patron while the patron places an order. | 2015-08-13 |
20150227979 | VALUATION OF INVITATIONAL CONTENT SLOTS BASED ON USER ATTENTIVENESS - Methods and arrangements are provided to valuate advertising slots for a client device based on events that are detected on the device. The cost of the advertising slots can vary according to the timing of the user interactions or according to different classifications for the client device that are determined based on the events. The cost of the advertising slot can be determined before or after the invitational content is provided to the client device. | 2015-08-13 |
20150227980 | System And Method For Suggesting Comestibles - A method for identifying a comestible to a user is provided. The method includes the steps of, by a control circuit: receiving an identification of an activity of the user; receiving duration information for the activity; determining an intensity of the activity; determining a target macronutrient profile based on the intensity and duration of the activity; determining a target energy profile based on the intensity and duration; and identifying at least one comestible having a macronutrient profile that falls within the target macronutrient profile and an energy profile that falls within the target energy profile. | 2015-08-13 |
20150227981 | SMART COMMERCE INFORMATION PROVIDING SYSTEM USING WIRELESS TERMINAL AND METHOD THEREFOR - Disclosed are a smart commerce information providing system using a wireless terminal and a method thereof. In the smart commerce information providing system using a wireless terminal, the interactive information (query information and response information) for each personal information of user is registered only at a wireless terminal of each user, and marketing information that a seller intends to advertise is selectively relayed to be transmitted to a user who has the marketing information that the seller wants, so that personal information leakage is prevented and negative mentality of user against advertising information is eliminated to increase marketing effects, and a method thereof. | 2015-08-13 |
20150227982 | OUT OF HOME DIGITAL AD SERVER - There is provided a method for an out of home advertising campaign, the method comprising: supplying creative for the campaign; determining criteria for the campaign, the criteria comprising targeting a demographic; selecting one or more boards for display of the creative, the selecting based on static data, projected data, and optionally real-time data; and displaying the creative on the one or more boards. There is also provided an out of home digital ad server comprising: at least one digital board; a digital feed provider to provide each board with creative to be displayed; a computer processor for analysing data to optimize board selection based on a demographic; and a communication network to direct creative from the ad serving processor to the at least one digital board based on the selection of creative by the computer processor. | 2015-08-13 |
20150227983 | SEGMENT CONTENT OPTIMIZATION DELIVERY SYSTEM AND METHOD - A method for identifying segments of a population of user devices communicating on a communications network. The segments correspond to user devices of the population exhibiting comparable behavioral patterns detectable by the communications network. A plurality of marketing systems are accessible on the communications network, and each of the plurality of marketing systems include respective use data corresponding to respective ones of the population for the marketing system. The method includes retrieving by a processor the respective use data for the population, from the plurality of marketing systems, determining by the processor if the respective use data exceeds a threshold for particular behavioral pattern of interest, for the respective use data, determining by the processor a unique identifier for each user device of the use data, grouping by the processor in a database, the respective use data in relation to the unique identifier, for each user device of the use data that exceeds the threshold, and mapping by the processor in the database, the behavioral pattern of the respective use data for each user device of the use data that exceeds the threshold. Behavioral patterns are determined for the respective segment, and related to the user devices of the segment. Content for delivery to the segment is sequenced, and placeholder in the sequence is stored in relation to each user device of the segment, to ensure that each next sequential content is delivered to the respective user device. | 2015-08-13 |
20150227984 | Promotional Router - A smart router executes software that receives script for web pages requested by appliances on a WIFI provided by the router, strips advertisements from the scripts, and replaces the advertisements with promotional material from data storage in the router. The router executes a variety of programs implemented to enhance financial performance of an enterprise that hosts the router. | 2015-08-13 |
20150227985 | METHOD AND ELECTRONIC SYSTEM FOR EMITTING A DIGITAL ADVERTISEMENT - Systems may perform operations and methods may include steps including receiving information requesting display of the joint digital advertisement for a product or service; automatically selecting one of a plurality of combinations of entities to be promoted on the joint digital advertisement, wherein the entities are related to the joint digital advertisement in that each entity participates in a supply chain for the product or service being advertised; preparing a graphical representation of the joint digital advertisement for display, using a template of an advertising banner, which is filled with data including information about at least one offer from a set of offers common to the one of the plurality of combinations of entities; and providing feedback to display the joint digital advertisement to a user. | 2015-08-13 |
20150227986 | METHOD AND APPARATUS FOR SPATIOTEMPORAL VALUATION OF REAL ESTATE - A method and apparatus for valuing every property in a predetermined geographic region at regular intervals and storing those valuations for ready access later in a layered data stratum, using customary sources of property valuation data to create a new layers of the data stratum and using the data stored in the one or more layers of the data stratum for the creation of tables, spreadsheets and maps for evaluations of changes and trends in property valuation. | 2015-08-13 |
20150227987 | METHOD AND SYSTEM FOR DETERMINING LEVEL OF INFLUENCE IN A SOCIAL E-COMMERCE ENVIRONMENT - A system and method for generating and publishing an indicator or score representative of influence, reliability, and/or trustworthiness of reviews and other forms of commentary is based upon actions of individuals over a communication network such as a social e-commerce environment. | 2015-08-13 |
20150227988 | EXPERT ENDORSEMENT VIA THIRD PARTY WEB CERTIFICATE - An end-user visits a website. A web seal is first displayed on the web page. This web seal is issued by a third party which is an organization. The seal is represented by an expert in a specific field. The expert may come from the medical field (e.g. a doctor), the educational field (e.g. a teacher), the legal field (e.g. a lawyer), the sports field (e.g. a coach), the general field (e.g. a celebrity), the science field (e.g. a scientist), or another relevant field. When an end-user clicks on the web seal, a secondary browser window opens with a certificate that displays the expert's photo or video, credentials and endorsement. The certificate is served from the third-party server, so that the end-user sees the third-party domain name in the web browser's address bar. This validates authenticity of the certificate and the end-user is assured that the content of the web page is trustworthy and genuine. | 2015-08-13 |
20150227989 | Method and System for Enforcing Acknowledgement of Terms and Conditions - A method and system are disclosed that ensure that customers are aware of and express agreement to the terms and conditions of a service contract before using or managing services associated with their service contract. The present invention may confirm whether a user has accepted the terms and conditions of a service contract independently of validating a user's UserID and password, which may be received when the user attempts to manage the services associated with their service contract. | 2015-08-13 |
20150227990 | METHOD AND APPARATUS FOR PROVIDING PREDEFINED FEEDBACK - A method and apparatus utilized in operating a feedback forum in an online auction environment is described. Instead of allowing users of the system to enter freeform comments for and about other users, a number of predefined feedback comments are provided that relate to an auction transaction. Users leaving feedback for other users are permitted to select a comment they desire to leave for or about another user relative to a transaction. The predefined feedback comments selected by the users are associated with the users whom the comment is about, and at some time thereafter, the predefined feedback comment is displayed for viewing by other users of the system. | 2015-08-13 |
20150227991 | UNIFIED MODELING OF TECHNOLOGY TOWERS - Embodiments are directed toward unified modeling of technology towers. Template information that corresponds to a technology tower may be selected by a user such that the template information identifies cost items, cost pools, and cost drivers. Cost information corresponding to the cost items may be determined from a dataset and mapped to the cost pools based on the template information. Cost driver information for the cost drivers may be determined from the information that was included in the dataset. A technology tower may be generated based on the cost pools and the cost drivers such that the cost pools and cost drivers correspond to the cost items. The technology tower may be provided to an application for generating one or more financial models. Key performance indicators for cost items may be generated based on the cost pools and the cost drivers. | 2015-08-13 |