33rd week of 2013 patent applcation highlights part 66 |
Patent application number | Title | Published |
20130211978 | Financial Transaction Reconciliation - Methods, computer-readable media, and apparatuses are disclosed for reconciling sets of financial transactions. A reconciliation input set of positive and negative numbers may be received, and a positive subset size and negative subset size may be determined for one or more reconciliation attempts. Maximum and minimum subset sums for the positive and negative subset sizes may be determined, and certain overlapping and non-overlapping portions may be identified between the positive subset sum range and the negative subset sum range. For any overlapping portions, a plurality of subset sum comparisons may be performed between positive subsets of the determined positive subset size and negative subsets of the determined negative subset size. | 2013-08-15 |
20130211979 | COMPUTER SYSTEM, COMPUTER SYSTEM IMPLEMENTED METHOD, AND COMPUTER PROGRAM PRODUCT FOR CLIENT TRUST ACCOUNTING PROCESSING - A computer system including a microprocessor and a storage medium, wherein the storage medium stores an accounting program. The storage device is connected to the microprocessor. The accounting programs is read by the microprocessor and operated the instructions of the accounting program. The instructions in the accounting program implement a method that receives user inputs indicating a certain client matter and a received payment amount, creates at least one entry for an operating account, determines at least one outstanding balance for at least one invoice for the certain client matter, and automatically creates at least one entry for the operating account and one entry for an IOLTA trust account. | 2013-08-15 |
20130211980 | System and Method for Conditional Group Membership Fees - A system and method for facilitating fee-based group membership is provided. The method includes the steps of receiving, from at least one designated organizer for at least one group of a plurality of groups, data representing a monetary value of a membership fee; receiving, from a first plurality of user terminals associated with a first plurality of users, a first plurality of requests to join the at least one group; registering the first plurality of users with the at least one group; receiving, from a second plurality of user terminals associated with a second plurality of users, a second plurality of requests to join the at least one group; transmitting, to the second plurality of user terminals, data configured to display payment options; and registering at least a portion of the second plurality of users with the at least one group upon payment of the fee. | 2013-08-15 |
20130211981 | SYSTEM AND METHOD FOR ENSURING ACCURATE REIMBURSEMENT FOR TRAVEL EXPENSES - An Expense Verification System (EVS) checks for fraud and errors in reimbursement requests. The EVS stores requests including reference numbers, and receives travel reservation records from a payment clearinghouse system. Each record includes a reference number and associated reservation data. The EVS selectively denies stored reimbursement requests as a function of data contained in the travel reservation record. Alternatively, the EVS selectively issues an alert as a function of data contained in the travel reservation record. Further, the EVS may parse a received reimbursement request to identify a respective reference number, compare the parsed reference number to the stored reimbursement requests to determine whether the parsed reference number matches a stored reference number, and deny the received reimbursement request if the parsed reference number matches a stored reference number. The EVS may store the received reimbursement request if the parsed reference number does not match a stored reference number. | 2013-08-15 |
20130211982 | ESTABLISHING A DATA MANGEMENT FEE STRUCTURE BASED ON FINE GRAINED DATA ENTITIES - Systems, methods and articles of manufacture for accessing data for a fee are provided. Fee schedules are defined for any arbitrary granularity of data, including for fields and data structures (e.g., tables in a database). Fees may be calculated based on the type of operation to be performed. Fees may also be calculated per operation and/or per data item involved in the operation. | 2013-08-15 |
20130211983 | ON-GOING CUSTOMER RISK ASSESSMENT OF A FINANCIAL INSTITUTION CUSTOMER POPULATION - Systems, apparatus, methods and computer program products are described for providing standardized risk assessments to a global financial institution customer population. Specifically, risk assessment provides for risk ranking the customer population throughout the lifecycle of the customer's relationship with the financial institution. In specific embodiments, the risk ranking efficiently includes three concise risk rank tiers; standard risk, medium risk and high risk. Such tier or level-based risk ranking does not rely on risk scoring each of the customers and, therefore, provides an accurate, efficient and simplified means of risk assessment that can be implemented across an entire customer population. In addition, since the risk ranking does not directly rely on customer transaction data, the risk ranking herein described is more accurate and efficient in identifying those customers that truly present a money laundering risk. | 2013-08-15 |
20130211984 | System and Method for Providing Recovery for Victims of Check Fraud - A method for a consumer to protect against loss associated with specified forms of check fraud. Upon purchasing checks, a consumer can subscribe to a check fraud protection program, for an additional fee. The subscription will enable the consumer to obtain reimbursement from the check printer for the consumer's losses due to specified causes. The consumer reciprocally assigns any right of recovery from the consumer's bank or financial institution to the check printer, which can then seek reimbursement from the bank, or financial institution and institute proceedings against the fraud perpetrator. Protection may be obtained for forged signatures, forged endorsements and altered check. A symbol to indicate such protection is also disclosed. | 2013-08-15 |
20130211985 | SYSTEM, METHOD AND COMPUTER PROGRAM PRODUCT FOR ASSESSING RISK OF IDENTITY THEFT - In one embodiment, this invention analyzes demographic data that is associated with a specific street address when presented as an address change on an existing account or an address included on a new account application when that address is different from the reference address (e.g., a credit bureau type header data). The old or reference address and the new address, the new account application address or fulfillment address demographic attributes are gathered, analyzed, compared for divergence and scaled to reflect the relative fraud risk. | 2013-08-15 |
20130211986 | PERSONAL FINANCE INTEGRATION SYSTEM AND METHOD - An integration device retrieves credit reports, and/or other financial data that is available from one or more credit sources, for consumers and extracts financial account information from the credit reports. The integration device may then format and/or translates the account information into a format that is usable by a particular consumer's personal finance software and communicates the account information to the personal finance software. Accordingly, the personal finance software is provided with information regarding each of a plurality of financial accounts that are associated with the consumer so that the account information may be populated in the personal finance software with minimal effort by the consumer. | 2013-08-15 |
20130211987 | SYSTEMS AND METHODS TO PROVIDE ACCOUNT FEATURES VIA WEB SERVICES - Systems and methods configured to use a set of web services to facilitate the management, administration, and fulfillment of account features assigned on the basis of individual payment accounts. The web services include a service configured to query for account features assigned to a specific account, a service configured to query for account features available to a specific account, a service configured to query for disclosure material relevant to an account feature assigned to a specific account, a service configured to submit user acceptance of terms and conditions of an account feature by an account holder of a specific account, and a service configured to request assignment of an account feature to a specific account. The web services allow a third party to build customized applications to manage account features for assignment and fulfillment, based on a set of centralized and secured account feature data. | 2013-08-15 |
20130211988 | ELECTRIC VEHICLE DISTRIBUTED INTELLIGENCE - A system and method for distributed intelligence of power tracking and power allocation may include: receiving data by at least one computer from a plurality of identified charging stations and vehicles of customers at distributed locations throughout a power grid; analyzing, with at least one processor of the at least one computer, the data with respect to available power for those locations and customer historical usage and profiles; and sending commands, with the at least one processor, to reallocate power to assets of the power grid to handle fluctuations or forecasted fluctuations in power demand based on the analysis. Customer preferences may also be considered in predicting power demand issues and need for demand response. Economic rules may be executed to incentivize the customers to comply with demand response requirements where demand is greater than power supply. | 2013-08-15 |
20130211989 | LEGAL COST MANAGEMENT SYSTEM - A legal cost management system provides modules for outlining the process of a legal function, establishing pricing variables to each step of the legal function, all at the outset of the legal task. A budget is then generated and the legal task is managed by outside counsel based upon the agreed upon budget and process. When exceptions occur during the course of working on the legal function, outside counsel electronically submits requests for new work to corporate counsel, which in turn can be approved or denied. Point and click billing allows immediate invoicing which requires no review by corporate counsel as the work performed has already been approved. Statistical reporting provides corporate counsel with real time analysis of all the cases that are in the system. | 2013-08-15 |
20130211990 | Risk Assessment - A risk assessment system comprising: memory for storing information about positions belonging to a portfolio of financial instruments, the portfolio comprising at least one or more orders that have been accepted but not matched; and a control arrangement configured to receive information about a new order associated with the portfolio, carry out a risk assessment for the new order based on the information about the new order, information about any trades in the portfolio and information about the one or more accepted orders, and determine whether to accept the new order based on the risk assessment. | 2013-08-15 |
20130211991 | Real-Time Trading Platform - An asset trading platform system and method is described for real-time trading of assets. The system acts as an intermediary among members, broker dealers, and exchanges, and matches orders to bids to complete transactions in real time between buyers and sellers on open markets. The trading platform provides 1-click trading for instantaneous, secure connectivity to markets and interaction with live real-time market feed data for the generation and completion of trades over wired or wireless networks. Users PCs, laptops, or wireless devices can be configured to receive a stream of market data as a streaming quote or scrolling ticker that can be acted upon in real time by multiple users across multiple financial institutions or brokers instantaneously and securely. Users can send trade details to brokerage firms, banks, or directly to exchanges with end-to-end, secure connectivity, and real-time trading capability through wired or wireless electronic exchange networks. | 2013-08-15 |
20130211992 | STOCK TRADING LIMIT ORDER COUPLED LINK (LOCK) - This invention has the potential to generate very good return on investments from stocks that are conservative in movement. This invention will greatly benefit investors that do not have the time to constantly trade stock yet want to take advantage of normal price fluctuations. The Limit Order Coupled LinK (LOCK) invention, for example, will take a buy order, complete the transaction at the specified price, then automatically resubmits a new order to sell at a specified higher price. If specified, the process can automatically cycle through the buy-sell process a set number of time allowing the investor to take advantage of intra-day market moves and normal stock price fluctuations with no personal investor evolvement. The LOCK order, with set profit margins, allows on-line traders and brokers to place one order, which will automatically generate logical, sequenced additional orders returning a profit on each transaction. LOCK will benefit both the investor and the stock trading company. | 2013-08-15 |
20130211993 | Securitization of a Commercial Transaction - A method and apparatus for generating a tradable security includes confirming a vendor's compliance with predefined terms of a commercial transaction, such that a buyer is obligated to make a due payment. The method and apparatus further includes electronically rating a financial commitment relating to a receivable account for the commercial transaction. This receivable account is rated based on conditions and factors known to a system facilitating the commercial transaction. Based on the ability for the financial commitment to be rated, a financial exchange is operative to transfer entitlement rights to monies due under the receivable account where the terms for the transfer of the entitlement rights are based at least in part on the electronic rating. Thereby, receivable accounts to commercial transactions may be tradable by one or more investors as properly rated investment. | 2013-08-15 |
20130211994 | HYBRID TRADING SYSTEM FOR CONCURRENTLY TRADING COMBINED ORDERS FOR FINANCIAL INSTRUMENTS THROUGH BOTH ELECTRONIC AND OPEN OUTCRY TRADING MECHANISMS - A system and method of trading combined orders in an exchange configured for trading by a combination of electronic and open-outcry trading mechanisms is provided. One method includes receiving an incoming order having a first order component and a second order component at an electronic trade engine and routing the first and second order components to a first electronic database. The first and second order components are matched and executed against order components maintained in the first and second electronic databases, respectively. Any unexecuted first and second order components are placed in an electronic book according to a predetermined program if the first or second order component cannot be completely matched against any order components maintained in one of the first or second electronic databases. The system includes a trade engine configured for receiving combined orders from market makers. | 2013-08-15 |
20130211995 | METHOD AND SYSTEM OF ENABLING INVESTMENT IN REAL ESTATE ASSETS IN EXCHANGE FOR PERIODIC PAYMENTS - A method and system of enabling an investor to invest in real estate asset in exchange for periodic payments to the owner of the real estate asset includes: a) receiving from the investor criteria for investments in real estate assets, b) obtaining a plurality of applications from the owners of their real estate assets who desire to exchange an interest in potential future appreciation of their respective real estate assets for periodic payments from an investor, each of the applications including information pertaining to the respective owner and to its real estate asset, c) storing the investor criteria and the information pertaining to the owner and its real estate asset, d) reviewing the plurality of applications to determine whether the information in the applications matches the investor criteria, and e) for those of the plurality of applications having information that matches the investor criteria, facilitating each investor to enter into individual contracts with selected ones of the corresponding owners to exchange the periodic payments for an interest in said potential future appreciation of the corresponding real estate assets of selected owners. | 2013-08-15 |
20130211996 | SYSTEM AND METHOD FOR IMPLEMENTING AND MANAGING BUNDLED OPTION BOX FUTURES - A system and method of providing a collateralized loan utilizing a clearing counterparty is disclosed. The system includes a match engine module to receive an order for a bundled box spread future representative of the collateralized loan via an options box spread. The order specifies an interest rate associated with the collateralized loan as the price of the futures contract. A trade database identifies a bundled box spread future associated with the received order and interest rate and an order book module identifies a standing order that is compatible with the received order. A clearing module credits an account with a loan amount based on the identified bundled option box future. A risk management module credits a margin amount to reflect the collateralized loan and associated collateral assets. | 2013-08-15 |
20130211997 | System and Method for Coalescing Market Data at a Client Device - A client device coalesces data received from an exchange, and provides a client application such as a graphical user interface with the opportunity to process fewer, but up-to-date, data updates from an exchange when a large volume of prices becomes available. Accordingly, the trader can be assured of receiving updated information that are fed to the client applications at a rate that is cohesive with that client device's processing speed. | 2013-08-15 |
20130211998 | SYSTEMS AND METHODS FOR REQUESTING A RESERVATION FOR A SET OF CONTRACT RIGHTS INSTRUMENTS - A method and system for the determination of optimal pricing and allocation of securities in an open, competitive environment. The method and system may also be used in developing pre-markets of other items that are difficult to price and allocate in a competitive manner, such as the underwriting/securitization of contracts for property; future revenue/earning streams from an asset and/or group of assets; underwritten insurance portfolios, intellectual property and other goods and services. The system of price optimization and allocation is accomplished by interactive feedback of information using a display and including competitive participation of individual members of the public (and/or their agents) or institutional buyers over a data network e.g., the Internet, uncovering the nature and identification of demand in a self-organizing fashion. Demand emerges through participants' interaction with the system and with each other, via a graphically-supported, interactive reservation process. | 2013-08-15 |
20130211999 | SYSTEM AND METHOD FOR ESTIMATING AND OPTIMIZING TRANSACTION COSTS - A method and system for forecasting the transaction cost of a portfolio trade execution that may be applied to any given trade strategy or an optimal trade strategy that minimizes transaction costs. In preferred embodiments, a server comprises one or more computers that act as an automated forecaster whereby it accepts user-defined input variables from customers and generates a transaction cost estimation report based on those variables. The server is programmed with specific transaction cost estimation and optimization algorithms that model the transaction costs of a specific trade execution based on the user's trading profile and market variables. | 2013-08-15 |
20130212000 | SYSTEMS AND METHODS FOR ENTERING ORDERS IN AN EXCHANGE - A trading computer receives an indication that a pointer is displayed in a price display region displaying a particular price. In response the trading computer displays an order entry region. The order entry region allows a trader to submit an order to a trading host at the particular price even if such price is no longer displayed in the price display region. | 2013-08-15 |
20130212001 | SYSTEM AND METHOD FOR PRIORITIZED DATA DELIVERY IN AN ELECTRONIC TRADING ENVIRONMENT - A system and method for prioritized data delivery in an electronic trading environment are described herein. According to one example embodiment, by prioritizing the messages associated with a tradeable object, the bandwidth and system resource usage may be optimally reduced, and any loss of priority content in the messages sent between the network device and the client device may be reduced. An example method includes associating different priority levels with messages comprising market data. Messages containing market information related to the inside market may be associated to a higher priority level. Whereas messages containing market information relating to the quantities at prices outside the inside market may be associated with a lower priority level. Based on the priority level associated with a message, a network device may send the message directly to the client device or store the message in a data structure until a pre-defined condition is satisfied. | 2013-08-15 |
20130212002 | METHOD AND SYSTEM FOR DETERMINING, CONTRACTING TO EXCHANGE, AND ACCOUNTING FOR MATCHED SETS OF OFFSETTING CASH FLOWS - One disclosed embodiment comprises a computerized method and system for matching structured cash flows by transmitting an information of an exchange definition comprising information of two or more underlyings, a notional amount or range, and a payment provision, and receiving a linear combination of one or more partial exchange definitions such that the net present value of the cumulative cash flow of the linear combination of partial exchange definitions is substantially zero. | 2013-08-15 |
20130212003 | MOBILE MONEY ORDER - A method to track a money order transaction, including receiving, from a mobile device, a request to send the money order to a recipient, initiating, by a computer server in response to the request, a first transaction to transfer a money order amount from a funding account of the payer to a third party account held at a bank, initiating, in response to completing the first transaction, a second transaction to generate the money order by the bank, receiving, from the bank, an indication that the money order amount is paid out by the bank as a result of the recipient cashing the money order, and sending, in response to the indication, a message alerting the payer that the recipient has cashed the money order. | 2013-08-15 |
20130212004 | CUSTOMIZED TRANSACTION FLOW FOR MULTIPLE TRANSACTION TYPES USING ENCODED IMAGE REPRESENTATION OF TRANSACTION INFORMATION - The system includes receiving transaction information of the transaction including merchant identification information, consumer identification information and a transaction identifier associated with a barcode. The system also accesses a database of profile data using the merchant identification information to determine a transaction type of the transaction. The system also sends output data via the communications network by using workflow instructions associated with the transaction type, the output data for consumption by a consumer device of the consumer. The system also receives input data from the consumer device and includes the input data with the transaction information to generate a transaction request. The system can also send the transaction request via the communications network to a merchant interface of the merchant to complete the transaction with the merchant. | 2013-08-15 |
20130212005 | SOLAR LIGHTING WITH PAY-AS-YOU GO TECHNOLOGY - Disclosed are devices and methods for providing solar lighting and power to a consumer using pay-as-you-go technology. The pay-as-you-go technology allows for a user to pay for home power and lighting on an incremental basis as they use the device. The payments are made using a user's cell phone. A pay-as-you-go lighting apparatus may include a lighting module configured to provide lighting to a customer when activated, and a control system including a processor and a memory configured to monitor usage of the lighting apparatus, track remaining usage credits, and disable the lighting apparatus when there are no remaining usage credits. | 2013-08-15 |
20130212006 | FRAUD DETECTION SYSTEM AUTOMATIC RULE MANIPULATOR - Embodiments of the invention are directed to a fraud detection system that automatically converts the currency and value of received transaction data to correspond to the currency in fraud detection rules established by a merchant. The converted transaction data is then analyzed against the fraud detection rules to determine whether the transaction data indicates fraudulent activity. | 2013-08-15 |
20130212007 | TOKENIZATION IN PAYMENT ENVIRONMENTS - Data can be protected in mobile and payment environments through various tokenization operations. A mobile device can tokenize communication data based on device information and session information associated with the mobile device. A payment terminal can tokenize payment information received at the payment terminal during a transaction based on transaction information associated with the transaction. Payment data tokenized first a first set of token tables and according to a first set of tokenization parameters by a first payment entity can be detokenized or re-tokenized with a second set of token tables and according to a second set of tokenization parameters. Payment information can be tokenized and sent to a mobile device as a token card based on one or more selected use rules, and a user can request a transaction based on the token card. The transaction can be authorized if the transaction satisfies the selected use rules. | 2013-08-15 |
20130212008 | FUNDS NETWORK AND METHOD - In a method of providing funds to a monetary repository, information is received identifying a payee and request by the payee to convert a negotiable instrument made to the payee to funds. In response to the information, confirmation is received whether to convert the negotiable instrument to funds. An image of the endorsed negotiable instrument is received. If a determination is made to convert the negotiable instrument to funds, an amount of funds corresponding to a value of the negotiable instrument is directed to a repository. | 2013-08-15 |
20130212009 | System and Method for Assisting Vendors - A service system for facilitating payment to a vendor of products over a network. The products are supplied to a buyer. The system includes an invoice having a base invoice amount with an amount of penalty funds calculated from the base invoice amount when the invoice is not paid in a timely manner. An application is submitted to an investor via the network for enrolling the vendor in the service system. At least one installment is disbursed from the buyer and received by the investor over the network. At least one payment is disbursed from the investor and received by the vendor over the network wherein the payment is equal to the base invoice amount thereby allowing the vendor to receive 100% of said base invoice amount. The investor is compensated with the difference between interest on a loan to pay the vendor and later receipt of the penalty funds. | 2013-08-15 |
20130212010 | PAYMENT ENTITY DEVICE TRANSACTION PROCESSING USING MULTIPLE PAYMENT METHODS - A method begins with a payment entity device receiving an accounts payable data file from a client entity processing module. The method continues with the payment entity device determining a method of payment for an account payable of the accounts payable data file in accordance with a payables profile. The method continues with the payment entity device initiating a first type of payment for the account payable when the method of payment is a first type; initiating a second type of payment for the account payable, when the method of payment is a second type, or initiating a third type of payment for the account payable when the method of payment is a third type. | 2013-08-15 |
20130212011 | Closed Loop Accounts Payable Network System and Method - A system and method operable to provide a closed loop accounts payable network with end-user rate-adjustment options. The system and method for a closed loop accounts payable network for commercial card payments allows for setting one or more payment terms using the system. | 2013-08-15 |
20130212012 | System And Method For Mobile Electronic Purchasing - A method for electronic purchasing via a mobile web-enabled smartphone or other communication device. A contacts list containing shipping addresses is stored on the smartphone. Initially, personal payment data, including credit card information, is entered into a smartphone, and sent to a payment gateway. The payment data in the smartphone is then redacted. The payment gateway sends a unique token to the smartphone for use in validating the current purchase transaction. In response to a request for credit card and shipping information from a merchant website for an item to be purchased, a specific one of the credit cards and a specific one of the shipping addresses is selected from a stored profile list. The token for the selected credit card and the shipping address are sent to the merchant website. The token and the selected shipping address are then sent from the merchant site to the payment gateway for validation. | 2013-08-15 |
20130212013 | SYSTEMS AND METHODS FOR DETERMINING ESTIMATED LEAD TIMES - Embodiments of the invention may provide systems and methods for determining estimated lead times based on delivery history information to a same or similar geographical area. According to one example embodiment, a method is provided. The method can include identifying a payee and determining that the payee is associated with a geographical area for mailpiece delivery. The method can further include identifying multiple delivery methods for mailpiece delivery to the geographical area, wherein each of delivery methods is associated with (a) a distribution center, (b) a delivery agent, and (c) an estimated lead time determined at least in part by analyzing the delivery history information associated with multiple mailpieces mailed from the respective distribution center to the geographical area via the respective delivery agent. The method can further include selecting one of the delivery methods for mailpiece delivery to the payee and associating the selected delivery method with the payee. | 2013-08-15 |
20130212014 | DISASTER-RELIEF CARDS - Methods and apparatus according to the invention are directed towards providing a client support in the wake of a disaster impacting a locale. Support may include transporting support-means to the locale, authenticating identification of the client, interfacing with an entity administering an account for the client, and facilitating access by the client to the account. The methods and apparatus may also provide support of non-account-related disaster-relief efforts associated with the locale. | 2013-08-15 |
20130212015 | AVAILABLE BALANCE ENHANCEMENT - In some embodiments of the present invention, a method is provided that includes: (a) receiving information associated with a first transaction, where the first transaction involves a deposit account; (b) receiving information associated with a second transaction, where the second transaction involves the deposit account; (c) determining, based at least partially on the information associated with the first transaction, that an available balance associated with the deposit account is based at least partially on the first transaction; (d) determining, based at least partially on the information associated with the second transaction, that the available balance is not based on the second transaction; (e) posting first information to an online banking account, where the online banking account is associated with the deposit account, and where the first information indicates that the available balance is based at least partially on the first transaction; and (f) posting second information to the online banking account, where the second information indicates that the available balance is not based on the second transaction. | 2013-08-15 |
20130212016 | MOBILE DEVICE CREDIT ACCOUNT - Providing for a mobile communication device (MCD) credit account and credit transactions by way of such an MCD is described herein. As an example, a credit account sponsored by a financial or commercial entity can be associated with a unique ID of an MCD. The MCD can interface with another electronic device and initiate credit transactions, such as commercial purchases, credit transfers, currency conversions, and the like, via the interface. Further, rules provided by the sponsoring entity can guide such transactions, enforcing credit limits, for instance. A management component can then synchronize transactions conducted by the device with a server of a financial institution over a remote communication interface, such as the Internet or a cellular/mobile communication network. Accordingly, a mobile device can replace a traditional credit card in transacting credit business. | 2013-08-15 |
20130212017 | TRANSACTION SYSTEM AND METHOD OF CONDUCTING A TRANSACTION - The invention pertains to a transaction system and method of conducting a transaction. Particularly, the invention pertains to a transaction system and method of conducting a transaction wherein the transaction is initiated by the consumer using a mobile device with a unique identifier. The consumer initiates the transaction by entering a vendor provided transaction initiation code into the mobile device. The transaction identifier code and unique identifier of the mobile device is transmitted to a server. Using the unique identifier the server can retrieve pre-existing transaction options specific to the unique identifier of the mobile device. The transaction options can either be transmitted to the mobile device to allow the consumer to input any preferences relating to the transaction options or to a vendor sales system of a vendor for further processing. | 2013-08-15 |
20130212018 | INTELLIGENT AUTHENTICATION - Systems and methods for intelligently authenticating payment transactions are disclosed. A user initiates a payment transaction to purchases goods or services from a merchant. The merchant sends a payment initiation request to a server computer in communication with a payment processing network and an issuer. The server computer queries various databases to determine one or more available communication channels that may be used as authentication channels by the issuer. The server computer also determines one or more communication channels, available for use by a mobile device of the user, that may be used as authentication channels to authenticate the payment transaction. The user is provided with a list of available/eligible authentication channels. User selects one of the authentication channels and the issuer is notified of the selection. The issuer uses the selected authentication channel to communicate with the user and authenticate the payment transaction. | 2013-08-15 |
20130212019 | TOKENIZATION OF PAYMENT INFORMATION IN MOBILE ENVIRONMENTS - Data can be protected in mobile and payment environments through various tokenization operations. A mobile device can tokenize communication data based on device information and session information associated with the mobile device. A payment terminal can tokenize payment information received at the payment terminal during a transaction based on transaction information associated with the transaction. Payment data tokenized first a first set of token tables and according to a first set of tokenization parameters by a first payment entity can be detokenized or re-tokenized with a second set of token tables and according to a second set of tokenization parameters. Payment information can be tokenized and sent to a mobile device as a token card based on one or more selected use rules, and a user can request a transaction based on the token card. The transaction can be authorized if the transaction satisfies the selected use rules. | 2013-08-15 |
20130212020 | AUTHENTICATION PLATFORM FOR PIN DEBIT ISSUERS - A system and method processes a transaction between a merchant and a consumer. Data indicate of the security of a digital processing device being used by the consumer to carry out the transaction with the merchant is received. A determination as to whether the digital processing device is secure is made using the received data. In response to determining the digital processing device is insecure, the transaction is aborted. In response to determining the digital processing device is in secure, the transaction is processed by at least one of authenticating the consumer, authorizing the transaction using a payment processing supply chain, and capturing funds for the transaction using a payment processing supply chain. | 2013-08-15 |
20130212021 | AMOUNT-EXCEEDING-CREDIT-THRESHOLD SERVICE SUBJECT TO CONDITION - In general terms, embodiments of the present invention relate to methods and apparatuses for providing an amount-exceeding-credit-threshold service subject to one or more predetermined conditions. For example, in some embodiments, a method is provided that includes: determining that an account will exceed a credit threshold associated with the account as a result of a transaction, determining that a predetermined condition is met and/or that the consent of the holder of the account is valid for the transaction, and authorizing the transaction based at least partially on receiving the consent, determining that the holder's consent is valid for the transaction, and/or determining that the predetermined condition is met. | 2013-08-15 |
20130212022 | SECURE AUTHENTICATION AND PAYMENT SYSTEM - The present invention provides a service for allowing secure financial transactions to be carried out, the service involving authenticating a user's identity and/or status as part of a financial transaction with another party and in the event that the user is authenticated arranging for the transaction to be completed without revealing the user's financial details and/or other personal details to that other party. Authentication data and transaction data may be communicated over any suitable communications channel(s). The invention provides a trusted authentication and payment environment that protects a user's financial details, but allows them to be securely authenticated and arranges for transactions to be fulfilled, whilst providing other parties with reassurance that transactions will be completed. In this way, fraud and theft due to misappropriation of financial details can be minimized. | 2013-08-15 |
20130212023 | OFFSETTING FUTURE EXCEEDED ACCOUNT THRESHOLD PAYMENTS - In general terms, embodiments of the present invention relate to methods and apparatuses for offsetting future exceeded account threshold payments. In some embodiments, a method is provided that includes: (a) receiving one or more payments for offsetting one or more future exceeded account threshold payments associated with an account; (b) receiving transaction information associated with a transaction, where the transaction involves the account, and where the transaction is initiated after the receiving the one or more payments; (c) determining, based at least partially on the transaction information, that the account will incur an exceeded account threshold as a result of the transaction; (d) determining that the one or more payments are sufficient to offset an exceeded account threshold payment associated with the exceeded account threshold; and (e) authorizing the transaction based at least partially on the determining that the one or more payments are sufficient. | 2013-08-15 |
20130212024 | TOKENIZATION IN DISTRIBUTED PAYMENT ENVIRONMENTS - Data can be protected in mobile and payment environments through various tokenization operations. A mobile device can tokenize communication data based on device information and session information associated with the mobile device. A payment terminal can tokenize payment information received at the payment terminal during a transaction based on transaction information associated with the transaction. Payment data tokenized first a first set of token tables and according to a first set of tokenization parameters by a first payment entity can be detokenized or re-tokenized with a second set of token tables and according to a second set of tokenization parameters. Payment information can be tokenized and sent to a mobile device as a token card based on one or more selected use rules, and a user can request a transaction based on the token card. The transaction can be authorized if the transaction satisfies the selected use rules. | 2013-08-15 |
20130212025 | MECHANISM TO ALLOW THE USE OF DISPOSABLE CARDS ON A SYSTEM DESIGNED TO ACCEPT CARDS CONFORMING TO THE STANDARDS OF THE GLOBAL PAYMENTS INDUSTRY - At a terminal assembly associated with a physical access point, payment device data is obtained from a reduced-functionality payment device, and the data is identified as emanating from such a device. In response, the payment device data emanating from the reduced-functionality payment device is converted into an authorization request or an access request, of a format consistent with full-functionality payment devices. The authorization request or access request is dispatched into a payment infrastructure which is configured to handle same, but is not configured to handle the reduced-functionality payment device. | 2013-08-15 |
20130212026 | DATA PROTECTION WITH TRANSLATION - Systems and methods are disclosed in which data associated with a transaction are protected with encryption. At an access device, a PIN associated with a payment account may be encrypted with a first key derived from an initial key of the access device and sensitive data associated with the payment account may be encrypted with a second key derived from the initial key. At a secure module associated with a host server encrypted sensitive data of an authorization request message may be decrypted. The secure module associated with the host server can re-encrypt the sensitive data using a zone encryption key associated with a payment processing network. A translated authorization request message including the re-encrypted sensitive data can be transmitted by the merchant server to the payment processing network. | 2013-08-15 |
20130212027 | SYSTEMS, METHOD AND COMPUTER-ACCESSIBLE MEDIUMS FOR PROVIDING SECURE PAPER TRANSACTIONS USING PAPER FIBER IDENTIFIERS - Exemplary systems, methods and computer-accessible mediums can receive information comprising a first speckle pattern(s) associated with a portion(s) of the paper. The information can be generated by an optical arrangement, and the first speckle pattern(s) can be compared with a second speckle pattern(s) to determine if a similarity, measure based on local or global descriptors is of equal to a predetermined amount or within a predetermined range. | 2013-08-15 |
20130212028 | SYSTEMS AND METHODS FOR LEVERAGING SOCIAL CONTEXT IN CONSUMER TRANSACTIONS - A system for discovering relationships among users of a plurality of electronic social networking and messaging platforms includes a memory for storing computer executable instructions and a processor for retrieving and executing the computer executable instructions. When the instructions are executed, the processor instantiates an application that identifies characteristics and interests of the user and compiles a vector representing the characteristics and interests of the user. The vector is compared with other vectors representing identities and interests of other individuals, and based on the comparison, a subset of the other individuals having a relationship to the user based on one or more of the other individuals identities and interests is identified. A graphical representation of an actionable list of the subset of individuals is presented to the user such that the user may select one of the individuals from the list for subsequent communication. | 2013-08-15 |
20130212029 | Product Packaging Profiler - In accordance with some embodiments of the present disclosure, a method may include receiving product packaging information from a user. The method may also include determining user information associated with the user. The method may further include making a recommendation regarding disposal of the product packaging based at least on the product packaging information and the user information. | 2013-08-15 |
20130212030 | METHOD OF VALUING A PATENT USING METRIC CHARACTERISTICS OF SIMILAR PATENTS GRANTED EARLIER - A method of valuing a patent using metric characteristics of similar patents granted earlier, whereas said metrics comprise a variety of estimated future characteristics, normalized using estimated future market size. Similar patents are identified using a combination of one or more metric characteristics, for example, patent value estimate, semantic similarity, dependent claim counts, cited patent counts, word counts, patent counts within assigned classes/subclasses, and distinct assignee counts. | 2013-08-15 |
20130212031 | MODELING CAREER PATH BASED ON SUCCESSFUL INDIVIDUALS IN AN ORGANIZATION - A system and method for providing career-related information. An example method includes acquiring user information, wherein the user information includes an indication of a target career position or opportunity; obtaining aggregated information pertaining to workers who have attained the target career position; and employing the user information and the aggregated information to provide career-related information pertaining to one or more career paths. In the example method, a user questionnaire is employed to facilitate acquiring the user information. The step of obtaining aggregated information includes collecting anonymous information from profiles of the workers. The profile information may be retrieved from a Human Capital Management (HCM), performance management system, social network system, or other Enterprise Resource Planning (ERP) system component of an organization. | 2013-08-15 |
20130212032 | SKILL COMPETENCY SEARCH AND MANAGEMENT - A method, system, server processing system, and computer program product for conducting a skills competency search and/or managing skills acquisition for a user. In one aspect, the method includes, in a server processing system, steps of: receiving, from a client processing system in data communication with the server processing system, skills competency data indicative a user's competency for a set of skills; storing the skills competency data in a data store; receiving a skills acquisition notice indicative of a skills acquisition task completed by the user; obtaining skills acquisition data based upon the skills acquisition task; updating the skills competency data for the user according to the skills acquisition data; and generating a report indicative of the user's competency for the set of skills. | 2013-08-15 |
20130212033 | DETERMINING REPUTATION OF USERS WITH RESPECT TO SKILLS - A method and system for evaluating the reputation of a member of a social networking system is disclosed. Consistent with an embodiment of the invention, one or more attributes associated with a social networking profile of a member of a social network are analyzed. Based on the analysis, a ranking, rating or score is assigned to a particular category of reputation. When requested, the ranking, rating or score is displayed to a user of the social network. | 2013-08-15 |
20130212034 | SYSTEMS AND METHODS FOR CREATING AND USING A HYBRID-DIGITAL MAILBOX - A method, electronic device, and computer-readable storage medium are provided for displaying a hybrid-digital mailbox. In one embodiment, the a method is provided for determining a user identifier corresponding to the hybrid-digital mailbox, extracting profile information corresponding to the user identifier, determining a delivery point associated with the user identifier based on the profile information, sending a request for information regarding incoming delivery items associated with the identified delivery point, and displaying a user interface depicting a listing of the incoming delivery items associated with the identified delivery point. | 2013-08-15 |
20130212035 | SCANNER ASSISTED UPLOAD AND ENCRYPTED DATA GENERATION DEVICE, SYSTEM, METHOD, AND COMPUTER READBLE MEDIUM - A system includes a sender application transmitting sender data for delivery items. A portable device carried by a courier transmits courier data for the items. Courier processors automatically generate a manifest which reconciles the sender data and courier data for each item. A courier database electronically stores the manifest. The system and included portable device, along with a corresponding method and computer readable medium, facilitate cost recovery for the items delivered by the courier. | 2013-08-15 |
20130212036 | CUSTOMER CONTROLLED MANAGEMENT OF SHIPMENTS - Systems, methods, apparatus, and computer program products are provided for customer controlled management of shipments. For example, in various embodiments, a customer can provide information prior to a first delivery attempt of an item by a carrier to receive messages regarding shipment of the item and to have the item delivered in accordance with the provided information. | 2013-08-15 |
20130212037 | SYSTEMS AND METHODS FOR CREATING AND USING A HYBRID-DIGITAL MAILBOX - A method, electronic device, and computer-readable storage medium are. In one embodiment, a method is provided for receiving a request to display a calendar associated with a delivery point of a user, accessing shipment information associated with the user, the shipment information including a record of physical delivery items and electronic delivery items, and displaying, for each day on the calendar, a count of the physical delivery items and electronic delivery items. | 2013-08-15 |
20130212038 | SERVICE FOR SIGNING DOCUMENTS ELECTRONICALLY - A method and a system for preparing legally binding documents and signing them electronically. In the system, identification of the signatories and verification of the right to sign are provided by a strong identification service and a separate association information system. After this, the document is signed by electronic signature and a hash and identification information are stored from the signed document in the memory of the system. Copies of the document are delivered to the signatories and the document is then removed from the server. By the hash, it is possible later to determine whether the document was signed by the other signatory, when the document was signed, whether it has the same content and who signed it. | 2013-08-15 |
20130212039 | REVIEW TIMELINE FOR OWNERSHIP LIFECYCLE EXPERIENCE - A consumer review system, including: a review interface presented on a display device; and a timeline in the review interface, wherein the timeline includes an aggregate set of user reviews corresponding to a product or a service, wherein the review interface is configured to organize the user reviews in the timeline by event date according to a lifecycle of the product or the service for each user. | 2013-08-15 |
20130212040 | METHOD OF RESTRUCTURING INDEX SECURITIES FUNDS BY REVENUE WEIGHTING - A methodology for weighting individual securities maintained within a known index investment fund, and reconstructing the proportionate holdings of each of the stocks within the index investment fund as function of the calculated weighting. The inventive method and system considers each of the constituent securities in a known index fund and weights each said constituent security based upon a revenue weighting analysis. The known index fund is then reconstructed using the same constituent securities, and using the revenue weighting analysis to reproportion the holdings of each of the constituent securities as a function of the total revenue for the securities within the index fund. In a preferred embodiment, the weighting coefficients are recalculated on a pre-selected periodic basis, and the fund is then reconstructed based upon those recalculated weighting coefficients. | 2013-08-15 |
20130212041 | METHOD OF CONSTRUCTING STABILITY INDEXES - Methods of constructing a stability style index from a parent index comprising assets performed by one or more computing devices. A score is assigned to each of one or more stability variables for each asset based at least in part on a value of the stability variable. A quality score is assigned to each asset based at least in part on the score assigned to each stability variable for the asset. A score is assigned to each of one or more volatility variables for each asset based at least in part on a value of the volatility variable. A volatility score is assigned to each asset based at least in part on the score assigned to each volatility variable for the asset. A probability score is assigned to each asset as a function of the quality and volatility scores. The probability scores are used to construct the stability style index. | 2013-08-15 |
20130212042 | MUNICIPAL BOND TRACKING AND EVALUATION SYSTEM - The present invention relates to a web-application that gathers raw data and meta data, matches debt related data with corresponding meta data, marks the debt data so that the resulting data stream can be used to create various analytical reports on variable rate securities for Users. | 2013-08-15 |
20130212043 | SYSTEMS AND METHODS FOR PROVIDING A BENEFIT PRODUCT WITH PERIODIC GUARANTEED MINIMUM INCOME - The invention provides systems, and methods of using the systems, implementing a benefit product with a guaranteed minimum income, wherein payment into the benefit product securing the guaranteed minimum income. The system comprises an income recordkeeper interfacing with a plurality of savings recordkeepers, the income recordkeeper including (1) an income recordkeeper interface portion that inputs attributes to the benefit product funded by payments from a plan associated with the benefit product; and (2) an income recordkeeper record keeping system that implements the benefit product, the income recordkeeper record keeping system being in communication with the income recordkeeper interface portion, the income recordkeeper record keeping system: (a) monitoring transactions to or from the benefit product; and (b) determining, based on the transactions, a guaranteed minimum income associated with participation in the benefit product. | 2013-08-15 |
20130212044 | SYSTEM AND MEHTOD FOR MANAGING A DISTRIBUTION NETWORK OF INVESTMENT MONEY - This disclosure relates to a system and method for managing a distribution channel of investment money of a customer, which includes a plurality of modules systematically disposed in a communication pipeline of an IM managing backbone server, so that when an IM rebalancing opportunity situation occurs, a plurality of units, possessed by a customer, is guided to form a set of IM rebalancing distribution channel networks where the units are densely connected each other like a mesh, so that a customer or IM management company may not simplify but diversify rebalancing paths of IPs or IP portfolio into various patterns and therefore effectively enjoy resultant economic benefits. | 2013-08-15 |
20130212045 | METHOD FOR IMPLEMENTING A VIRTUAL COMMUNITY OF INVESTORS HAVING INVESTMENT PORTFOLIOS - A system and method for providing analytical tools for a community of investors having investment portfolios. A first tool provides an indication of a user's selection effectiveness regarding the user's choice of investments relative to those sectors in which the investment resides, and relative to a broader market. A second tool allows the user to evaluate the effectiveness of community stimuli on the user's portfolio. A third tool provides the user the capability to view relationships among a plurality of preferred analysts. With a fourth tool, a user may view a plurality of other analysts the user referred to the community. | 2013-08-15 |
20130212046 | DECORATIVE DETECTABLE WARNING PANEL HAVING IMPROVED GRIP - The present invention relates to detectable warning panels, and in particular to detectable warning panels that display text and/or other graphic information such as commercial messages, trademarks, logos, directions, slogans, pictures, names, product illustrations, emblems, promotional information related to a product or service, Quick Response Codes, matrix code, two-dimensional bar code, optical machine-readable labels, and combinations thereof. | 2013-08-15 |
20130212047 | MULTI-TIERED APPROACH TO E-MAIL PRIORITIZATION - An apparatus for automating a prioritization of an incoming message, including a batch learning module that generates a global classifier based on training data that is input to the batch learning module. A feedback learning module that generates a user-specific classifier based on a plurality of feedback instances. A feature extraction module that receives the incoming message and a topic-based user model, infers a topic of the incoming message based on the topic-based user model, and computes a plurality of contextual features of the incoming message. A classification module that dynamically determines a priority classification strategy for assigning a priority level to the incoming message based on the plurality of contextual features of the incoming message and a weighted combination of the global classifier and the user-specific classifier, and classifies the incoming message based on the priority classification strategy. | 2013-08-15 |
20130212048 | METHOD OF performing REAL-TIME CORRECTION OF A WATER STAGE FORECAST - A method of performing real-time correction of a water stage forecast includes obtaining at least one predicted water stage of at least one time and a predicted water stage of a next time after the at least one time; obtaining at least one observed water stage of the at least one time; generating a system error of the water stage forecast according to the at least one observed water stage, the at least one predicted water stage, the predicted water stage of the next time, a Time Series method, and an Average Deviation method; utilizing a Kalman filter method to generate a random error of the water stage forecast; generating a water stage forecast correction of the next time according to the system error and the random error; and correcting a predicted water stage of the next time according to the water stage forecast correction and the predicted water stage. | 2013-08-15 |
20130212049 | Machine Evolutionary Behavior by Embedded Collaborative Learning Engine (eCLE) - This patent develops and demonstrates the technology required for constructing machine evolutionary behavior within systems to enable evolving learning capability for autonomous recognition of new emerging behaviors. A purpose of this technology is to provide a formal methodology and implementation for adding new knowledge, which results from the automated recognition of new patterns (behaviors) within systems. Key characteristic of the “Machine Evolutionary Behavior by Embedded Collaborative Learning engine” consist on operating with an ensemble of learning paradigms, which when instantiated work in a collaborative way. The resulting framework compiles the inherent advantages of the involved methods, but also a synergetic behavior is obtained when working in a collaborative fashion. | 2013-08-15 |
20130212050 | AGENT APPARATUS FOR VEHICLE, AGENT SYSTEM, AGENT COLTROLLING METHOD, TERMINAL APPARATUS AND INFORMATION PROVIDING METHOD - An agent apparatus for a vehicle, an agent controlling method, a terminal apparatus and an information providing method, for executing a communication function with a personified agent, are provided. The apparatus includes an observing part that observes a driving situation based on sensor information; a learning part that learns by storing an observation result obtained from the observing part together with the sensor information; a determining part that determines a communication action with a user based on a learning result obtained from the learning part; a display control part that displays a first image in the vehicle expressing the communication action determined by the determining part; and an obtaining part that obtains acquired information acquired from the outside of the vehicle and stored in a portable terminal apparatus. The determining part may also determine the communication action by reflecting the acquired information on the learning result. | 2013-08-15 |
20130212051 | NONDESTRUCTIVE METHOD TO PREDICT ISOSTATIC STRENGTH IN CERAMIC SUBSTRATES - A method of examining a cellular structure includes the steps of providing an inspecting device, a neural network and a target cellular structure that includes a plurality of target cells extending therethrough and further includes a target face exposing an arrangement of the target cells; inspecting the arrangement of cells on the face of the target cellular structure using the inspecting device; representing the arrangement of cells with numerically defined target cell parameters; inputting the target cell parameters into the neural network; and generating an output from the neural network based on the target cell parameters, the output being indicative of a strength of the target cellular structure. | 2013-08-15 |
20130212052 | TENSOR DEEP STACKED NEURAL NETWORK - A tensor deep stacked neural (T-DSN) network for obtaining predictions for discriminative modeling problems. The T-DSN network and method use bilinear modeling with a tensor representation to map a hidden layer to the predication layer. The T-DSN network is constructed by stacking blocks of a single hidden layer tensor neural network (SHLTNN) on top of each other. The single hidden layer for each block then is separated or divided into a plurality of two or more sections. In some embodiments, the hidden layer is separated into a first hidden layer section and a second hidden layer section. These multiple sections of the hidden layer are combined using a product operator to obtain an implicit hidden layer having a single section. In some embodiments the product operator is a Khatri-Rao product. A prediction is made using the implicit hidden layer and weights, and the output prediction layer is consequently obtained. | 2013-08-15 |
20130212053 | FEATURE EXTRACTION DEVICE, FEATURE EXTRACTION METHOD AND PROGRAM FOR SAME - A feature extraction device according to the present invention includes a neural network including neurons each including at least one expressed gene which is an attribute value for determining whether transmission of a signal from one of the first neurons to one of the second neurons is possible, each first neuron having input data resulting from target data to be subjected to feature extraction outputs a first signal value to corresponding second neuron(s) having the same expressed gene as the one in the first neuron, the first signal value increasing as a value of the input data increases, and each second neuron calculates, as a feature quantity of the target data, a second signal value corresponding to a total sum of the first signal values input thereto. | 2013-08-15 |
20130212054 | GENERATING A STATE DIAGRAM - A computing device may include a memory to store data that describes a state machine model that includes destination states and source states. The source states may be associated with conditions upon which the state machine model is to transition from a corresponding source state to one of the destination states. The device may also include a processor configured to generate data to describe a state diagram from the data that describes the state machine model. The state diagram may include the graphical symbols and lines. Each of the graphical symbols may represent one of the source states or one of the destination states. The lines may represent transitions and include one or more vertical lines to represent transitions to one of the destination states from more than one of the source states. The graphical symbol may represent the one of the destination states is not adjacent to the graphical symbols to represent the more than one of the source states. The processor may arrange graphical symbols in a first row, arrange lines, and arrange vertical lines in a second row that does not overlap with the first row. | 2013-08-15 |
20130212055 | SYSTEM AND METHOD FOR THE AUTOMATIC PUBLICATION OF UPDATED STATUS INFORMATION OF A USER IN A COMPUTER APPLICATION - Disclosed is a system and a method for the automatic publication of status information of a user in a computer application by the automatic generation by artificial intelligence of inferred information from the environment information obtained by a mobile terminal of the user. | 2013-08-15 |
20130212056 | MEDICAL DIAGNOSIS SUPPORT APPARATUS AND METHOD OF CONTROLLING THE SAME - A medical diagnosis support apparatus is provided. In the medical diagnosis support apparatus, an acquisition unit acquires medical information associated with a diagnosis target as input information. An inference unit infers a diagnosis name of the diagnosis target based on the acquired input information. A calculation unit calculates the influence rate of each input information with respect to each inference. A creation unit creates a report sentence based on the calculated influence rate. | 2013-08-15 |
20130212057 | METHOD AND DEVICE FOR SAVING TRIPLE FOR VERIFYING REASON AND INCREMENTAL REASONING, AND METHOD AND DEVICE FOR REASON-DEPENDENT INDEXING APPROPRIATE FOR SAME - A method and apparatus for storing a triple and an inference dependency indexing apparatus appropriate to the method and system are provided. The method of storing a triple related to an inference method for creating other triples by applying an inference rule to the triple includes: (a) adding a serial number to each of triples and inference rules related to inference and storing the triples and the inference rules into a plurality of triple tables and inference rule tables; (b) indexing a triple inferred by applying the triple and the inference rule, using a serial number of the triple and a serial number of the inference rule related to inference; and (c) creating a triple view which allows accessing the triples physically distributed and stored in a plurality of triple storage units (tables) as if the triples are stored in a virtual storage unit (table). | 2013-08-15 |
20130212058 | System and Method for Making Decisions Using Network-Guided Decision Trees With Multivariate Splits - Disclosed herein is a system and method for splitting data using graph theory with more precision than traditional decision trees, but less work than an exhaustive listing of all possible groups. Accordingly, a set of attributes is found for which corresponding data gives a highest score, the score being a function of data attributes, such as count and purity. | 2013-08-15 |
20130212059 | Social Analytics - A computer-implemented method, comprises extracting a measure from a content article representing a probability that the article relates to a topic, allocating the article to a group of articles relating to at least one topic on the basis of the measure, using a set of social media objects relating to the article to extract a measure representing a sentiment for the article, and aggregating respective measures for the sentiment of articles in the group to provide an aggregate measure. | 2013-08-15 |
20130212060 | SYSTEM AND METHOD FOR MATHEMATICS ONTOLOGY EXTRACTION AND RESEARCH - An extensive computer based online math research system (the “Research System”) having as its foundation an Ontology of mathematics, and utilizing unique and intensive computer support, coordination, data structuring, data storage, computer processing, retrieval capabilities, and data-mining capabilities, and an Ontology editing system that runs on computer software with computer processors and data storage capabilities (the “Ontology Editor System”). The Research System also includes a methodology to enable online reference and data manipulation of the Ontology, and an Internet based search of the concepts of mathematics and applications of mathematics to the sciences on the basis of the Ontology. | 2013-08-15 |
20130212061 | CONTENT ANALYTICS SYSTEM CONFIGURED TO SUPPORT MULTIPLE TENANTS - Techniques are disclosed for a software as a service (SaaS) provider to host a content analytics tool used to evaluate data collections for multiple customers (referred to as tenants) using one dedicated and expandable computing infrastructure, without requiring that the service provider obtain, install, license, and manage a separate copy of the content analytics tools for each tenant. Customers are provided access to resources dedicated to their enterprise, but do not have access, or even awareness, of data collections or analytics resources hosted for other customers. That is, embodiments presented herein allow a provider to host content analytics tools used by customers to evaluate their enterprise data in a secure and timely manner. | 2013-08-15 |
20130212062 | USING DOCUMENT TEMPLATES TO ASSEMBLE A COLLECTION OF DOCUMENTS - Methods and apparatus, including computer program products, to assemble a collection of documents according to a document list. The document list represents documents to be included in the collection, and includes multiple entries that identify document templates. Each document template includes instructions that a web server can execute to generate a web document based on one or more parameters. A web document corresponding to each of the multiple entries is requested; the requested web documents are received and stored in the collection of documents. Links in the received web documents can be identified and updated. The collection of documents can be accessed as part of a web site. | 2013-08-15 |
20130212063 | COMPUTER-IMPLEMENTED CLOUD-BASED LITIGATION MANAGEMENT SYSTEM - A system for managing litigation documents including a computer-readable medium having a litigation management application. The application has computer-executable instructions for managing documents. The system includes a server that executes the instructions for managing documents on the computer-readable medium. The system has a database containing document information. The database is arranged with the server such that the server can access and modify document information in the database. The application includes a first documents tab that receives inputs from a first user to upload documents to the database for display in the first documents tab. The application has a second documents tab that receives inputs from a second user. The application generates a notification for delivery to the second user when the first user uploads a document to the database. The application can display the document in the second documents tab when the first user uploads the document to the database. | 2013-08-15 |
20130212064 | SYSTEM AND METHOD FOR SLA-AWARE DATABASE CONSOLIDATION USING PER-TENANT MEMORY SIZE CONFIGURATION - Systems and methods for consolidating workload on one or more computing devices, comprising: generating tenant performance profiles for at least one of a buffer memory size and a buffer warmness; assigning one or more tenants to a database management system (DBMS) instance; configuring the one or more tenants to minimize a total server count needed to host the one or more tenants; and reducing the total server count by adjusting of buffer sizes while satisfying Service Level Agreement (SLA) requirements. | 2013-08-15 |
20130212065 | Zone Oriented Applications, Systems and Methods - Zone management infrastructure systems and methods are presented. A zone comprises a set of boundary conditions, which can include a geographic boundary. Zones further comprise a zone object representing the nature of the zone and the services or applications offered by the zone. Zone objects have intrinsic value based on their boundary conditions as well as the services they offer. Zone owners can allow third parties to offer services for the zone in exchange for a fee. | 2013-08-15 |
20130212066 | SYSTEM AND METHOD UTILIZING A GENERIC UPDATE MODULE WITH RECURSIVE CALLS - This disclosure provides various embodiments of software for identifying and utilizing a generic update module with recursive calls. In one aspect, the software receives packed update parameters for updating a data record in a database, unpacks the update parameters, and updates the data record in the database using the unpacked update parameters. In some implementations, the update parameters may comprise a packed long byte string. The software may update the data record by returning the unpacked update parameters to a business application for database execution. | 2013-08-15 |
20130212067 | SELECTIVE SYNCHRONIZATION OF REMOTELY STORED CONTENT - Described herein are methods and systems for selectively synchronizing locally stored data with data stored in a cloud storage repository. A client application can synchronize a portion of the locally or remotely stored content by choosing to synchronize data that is frequently used, data that is marked as priority data or data that was modified or otherwise accessed during a predetermined period of time. Other selective synchronization optimizations include predictively synchronizing data or content associated with frequently use or priority data and synchronizing data according to a priority score. | 2013-08-15 |
20130212068 | DATABASE POINT-IN-TIME RESTORE AND AS-OF QUERY - A database is queried as of any wall-clock time within a retention period, via undo that uses database snapshots and a list of page level modifications. The snapshot is user-identified, automatically generated, or extracted from a backup. The list is maintained in a transaction log by persisting page content before a page is re-used, persisting deleted rows before they are moved, persisting compensation log record undo information, and/or logging a full page. To rewind an entire database, the undo scans the transaction log in reverse LSN order and undoes all page modifications. Undo reverses reallocated pages, table truncation, and/or table deletion, as well as page-level modifications of a schema, metadata values, and/or system tables. An as-of query is handled using as-of page(s) from a sparse page file. If the sparse page file does not already contain the responsive page(s), they are created and added to it. | 2013-08-15 |
20130212069 | Method of backing-up, and making available, electronic data and software initially stored on a client server - Methods and systems for allowing the backing-up of electronic data, its accessibility in times of need, and the ability to restore this data without denying user access to it while the restoration occurs. Also, the data may continue to be backed-up while it is being restored. One method allows for the removal of duplicated data from within the on or off-site copy and subsequent incremental on or off-site-site copies of the data. In this way, the amount of bandwidth and storage required may be reduced. For example, if there are two sets of files required to run two applications and some or all of these files are identical then only one copy need be made and sent and stored. This also applies where the on-site appliance is connected to more than one client server, such that data which is common to the client servers may only be copied once. | 2013-08-15 |
20130212070 | MANAGEMENT APPARATUS AND MANAGEMENT METHOD FOR HIERARCHICAL STORAGE SYSTEM - The present invention enhances user usability by storing more files close to the user. A replication processing part | 2013-08-15 |
20130212071 | SEARCHABLE ARCHIVE - An apparatus, computer-readable medium, and computer-implemented method for generating a searchable archive, the method including receiving a set of tabular data comprising a plurality of rows, storing data corresponding to a group of rows in the plurality of rows in a compacted file, the compacted file comprising one or more compressed segments. The compressed segments can store data corresponding to a portion of the rows in the group of rows and can store the data corresponding to the group of rows in column-major order. The compressed segments can store one or more token values corresponding to one or more data values in the set of tabular data and the token values can be generated by dividing the set of tabular data into columns and assigning a different token to each unique data value within each of the columns. | 2013-08-15 |
20130212072 | Generating and Utilizing a Data Fingerprint to Enable Analysis of Previously Available Data - According to one embodiment of the present invention, a system analyzes data in response to detecting occurrence of an event, and includes a computer system including at least one processor. The system maps fields between the data and a fingerprint definition identifying relevant fields of the data to produce a fingerprint for the data. The data is deleted after occurrence of the event. The produced fingerprint is stored in a data repository, and retrieved in response to detection of the event occurrence after the data has been deleted. The system analyzes the retrieved fingerprint to evaluate an impact of the event on corresponding deleted data. Embodiments of the present invention further include a method and computer program product for analyzing data in response to detecting occurrence of an event in substantially the same manner described above. | 2013-08-15 |
20130212073 | Generating and Utilizing a Data Fingerprint to Enable Analysis of Previously Available Data - According to one embodiment of the present invention, a system analyzes data in response to detecting occurrence of an event, and includes a computer system including at least one processor. The system maps fields between the data and a fingerprint definition identifying relevant fields of the data to produce a fingerprint for the data. The data is deleted after occurrence of the event. The produced fingerprint is stored in a data repository, and retrieved in response to detection of the event occurrence after the data has been deleted. The system analyzes the retrieved fingerprint to evaluate an impact of the event on corresponding deleted data. Embodiments of the present invention further include a method and computer program product for analyzing data in response to detecting occurrence of an event in substantially the same manner described above. | 2013-08-15 |
20130212074 | STORAGE SYSTEM - Duplicate storage elimination is performed in units of block data generated by dividing a data stream into arbitrary-sized blocks. Further, sub-block data is generated by further dividing the block data into a plurality of pieces of data, and sub-address data based on the data content of each of the pieces of sub-block data is stored in a predetermined storage device. As such, duplicate storage elimination is also performed in sub-block data units based on the sub-address data. | 2013-08-15 |
20130212075 | ASSESSING COMPRESSED-DATABASE RAW SIZE - A computer-implemented process ( | 2013-08-15 |
20130212076 | Generating Content Snippets Using a Tokenspace Repository - A search engine server system receives from a client system a search query and identifies a set of documents in accordance with the search query. A content snippet corresponding to content in a respective document of the identified set of documents is generated, the content snippet associated with at least one query term of the one or more query terms in the search query. A response to the search query is returned to the client system, the response including information identifying at least the respective document and including the content snippet. Generating the content snippet includes performing a first decompression operation on first token identifiers, from a compressed document repository, to provide a set of second token identifiers, and performing a second decompression operation on the set of second token identifiers to recover uncompressed content comprising a portion of the respective document. | 2013-08-15 |
20130212077 | DEMAND PAGING METHOD FOR MOBILE TERMINAL, CONTROLLER AND MOBILE TERMINAL - A demand paging method for a mobile terminal, a controller and a mobile terminal, wherein the demand paging method determines, when a mobile terminal needs to operate a compressed file, a storage location of the compressed file in an external part of the controller of the mobile terminal; a decoding unit of the internal part of the controller of the mobile terminal decompresses the compressed file in the storage location; the mobile terminal saves the decompressed file to a designated part of the memory, wherein the designated part of the memory comprises the memory in the internal part of the controller of the mobile terminal and/or the memory in the external part of the controller of the mobile terminal; the mobile terminal continues to operate on the basis of the decompressed file. The technical solution increases the processing efficiency of demand paging of the mobile terminal. | 2013-08-15 |