34th week of 2015 patent applcation highlights part 49 |
Patent application number | Title | Published |
20150235198 | Method for Configuring a Mobile Communication Device, Device thus Configured, Method, System for Authorizing Transactions on an Online Account, and Method for Obtaining, by an Initiating Party, a Permission from an Authorizing Party to a Service Provider for Performing a Transaction on an Account of the User - The present invention relates to a method for configuring a mobile communication device, comprising the steps of installing an application from an app store on the mobile communication device; activating or personalising the application on the mobile communication device; providing a list of possible service providers by the application; selecting a service provider from a list of possible service providers in the application; generating a unique code for a selected service provider by a platform server, and communicating said unique code to the mobile communication device; entering the unique code on a website of said service provider; sending the entered unique code by the service provider to the platform server for verification; upon verification of the unique code, generating a unique identification code and sending it to the service provider, and to the application. | 2015-08-20 |
20150235199 | SYSTEMS AND METHODS FOR FACILITATING FRICTIONLESS TRANSACTIONS IN A CLIENT/SERVER ENVIRONMENT - The field of the invention relates to systems and methods for network-based commerce, and more particularly to systems and methods for facilitating frictionless transactions between a user device and server system. In one embodiment, a server system is configured to execute a process including the steps of: receiving a text-based communication sent from the client device using a first native communication medium, the text-based communication having a source address, a recipient address, and one or more short-codes; parsing the text-based communication for said one or more short-codes; and replying to the source address using a second native communication medium with a purchase order for one or more products available from said recipient address defined in the server system, wherein said short-codes uniquely identify said one or more products; and confirming the order through the second native communication medium. | 2015-08-20 |
20150235200 | MOBILE COMMERCE SYSTEM - A mobile commerce system including a multiplicity of Mobile Device-Point of Sale Communication (MPC)-equipped mobile devices, a plurality of MPC-enabled Point-of-Sale (POS) devices, at least one POS configuration server for configuring the plurality of MPC-enabled POS devices, at least one MPC-equipped mobile device configuration server for configuring the plurality of MPC-equipped mobile devices and at least one mobile marketing platform server operative to introduce Transaction Value Certificate (TVC)-related functions and to communicate both with the at least one POS configuration server and the at least one MPC-equipped mobile device configuration server to coordinate operation thereof so that the MPC-enabled POS devices will be “tap-ready” for carrying out the TVC-related functions. | 2015-08-20 |
20150235201 | SYSTEMS AND METHODS FOR INITIATING PAYMENT FROM A CLIENT DEVICE - The disclosed embodiments include a mobile client device for automatically performing a mobile financial service function, including a memory storing software instructions, the software instructions including a mobile financial service application configured to perform financial service processes. The system may also include and one or more processors configured to execute the software instructions to detect a physical action performed on the mobile client device, and determine a first financial service function to perform based on the detected physical action, wherein the first financial service function is a function provided by the mobile financial service application. The one or more processors may also determine whether verification of a user is required, verify the user if verification of the user is required, and automatically initiate the first financial service function. | 2015-08-20 |
20150235202 | METHOD AND SYSTEM FOR CASHLESS TRANSACTIONS AT VENDING MACHINES - Disclosed is a system and method for enabling cashless purchases at a vending machine. A conventional vending machine may be modified by attaching to it a Bluetooth transceiver that can communicate with a mobile telephone's Bluetooth interface. The vending machine's Bluetooth interface may be connected to an MDB bus to communicate with the vending machine's VMC processor. The VMC processor may be reprogrammed so that it can poll the vending machine's Bluetooth reader. The VMC may then poll the Bluetooth interface to detect a payment signal sent by the mobile telephone and deliver and item, ordered through the mobile phone's graphical user interface, to a customer. | 2015-08-20 |
20150235203 | SECURITY TOKEN, TRANSACTION EXECUTION METHOD, AND COMPUTER PROGRAM PRODUCT - There is disclosed a security token for use in a transaction execution system, the security token being connectable to a user interface device and to a host device, the security token being arranged to: receive a transaction verification input from the user interface device; process the transaction verification input and generate a corresponding transaction verification result; transmit the transaction verification result to the host device, and the security token comprising a secure element which is arranged to facilitate processing of the transaction verification input. Furthermore, a method for executing a transaction using a security token is disclosed, as well as a corresponding computer program product. | 2015-08-20 |
20150235204 | SYSTEM AND METHOD FOR A BASEBAND NEARFIELD MAGNETIC STRIPE DATA TRANSMITTER - A system for a baseband near field magnetic stripe data transmitter includes a mobile phone, a magnetic stripe transmission (MST) device and a payment button. The mobile phone includes a payment wallet application and is configured to transmit a stream of pulses including magnetic stripe data of a payment card. The MST device includes a driver and an inductor, and the MST device is configured to receive the stream of pulses from the mobile phone, to amplify and shape the received stream of pulses and to generate and emit high energy magnetic pulses including the magnetic stripe data of the payment card. The inductor is driven by a series of timed current pulses that result in a series of high energy magnetic pulses that resemble the fluctuating magnetic field created by a moving magnetic stripe. The payment button is programmed to be associated with a pre-selected payment card and activating of the payment button initiates the emission of high energy magnetic pulses including the magnetic stripe data of the pre-selected payment card. | 2015-08-20 |
20150235205 | SYSTEM AND METHOD OF CONTROLLING AND REPORTING A PRODUCT ACQUISITION, AND OF CONTROLLING THE PROVISION OF A SERVICE TO A CUSTOMER, OR THE ACCESS OF A CUSTOMER TO AN AREA OR EVENT - A system or method for controlling and reporting a product acquisition process from a mobile device with enhanced user experience is described. The method comprises of acquiring the products using a handheld electronic device with an online approach, optionally paying for the products online using a payment service, choosing a collection point and the time when the customer will be ready to collect the product, signalling an assistant that the product preparation needs to begin, signalling that the customer is ready to collect the prepared product and identifying the user by one of the proposed authentication methods so that the user can be granted access to the product or service. | 2015-08-20 |
20150235206 | ITEM/VALUE BASED TRANSACTION LIABILITY ALLOCATION - Apparatus and methods for allocating transaction liability are provided. Transaction liability may include a risk that the transaction may incur a post-authorization charge, such as a fraud investigation and/or a chargeback. The transaction liability may be allocated among one or more transaction participants. Transaction liability may be allocated based on a stock-keeping-unit of an item purchased by customer that initiates the transaction. Transaction liability may be allocated based on an amount of the transaction. Transaction liability may be allocated based on a merchant category code identifier assigned to a merchant. Transaction liability may be allocated based on a location of a merchant. A default allocation of transaction liability may be re-allocated among transaction participants based on level of verification performed by a transaction participant at a point-of-sale. | 2015-08-20 |
20150235207 | RISK MITIGATING TRANSACTION AUTHORIZATION - Apparatus and methods for risk mitigating transaction authorization are provided. A transaction participant may responds to a request for transaction authorization with “PIN Entry Required,” and restrict signature based transaction authorizations. The risk mitigating transaction authorization may be transmitted for a transaction based on a stock-keeping-unit of an item included in a purchase. The risk mitigating transaction authorization may be transmitted for a transaction based on an amount of the transaction. The risk mitigating transaction authorization may be transmitted for a transaction based on a merchant category code identifier assigned to a merchant and/or a location of a purchase. | 2015-08-20 |
20150235208 | PROOF-OF-VERIFICATION NETWORK - Apparatus and methods for allocating transaction liability are provided. A first transaction participant may be may be immunized from undesirable effects of fraud/chargebacks associated with a transaction if information responsive to a level of verification is submitted directly to a second transaction participant. The transaction may be an on-us transaction or may be associated with any issuer. The second transaction participant may include a payment guarantee provider. The information may be routed to the second transaction participant via a proof-of-verification network. Transactions that are associated with a level of verification may be subject to variable interchange rates. The interchange rates or level of immunization from fraud/chargeback may vary with respect to the level of verification performed by the first transaction participant. | 2015-08-20 |
20150235209 | LOCATION BASED TRANSACTION LIABILITY ALLOCATION - Apparatus and methods for allocating transaction liability are provided. Transaction liability may include a risk that the transaction may incur a post-authorization charge, such as a fraud investigation and/or a chargeback. The transaction liability may be allocated among one or more transaction participants. Transaction liability may be allocated based on a stock-keeping-unit of an item purchased by customer that initiates the transaction. Transaction liability may be allocated based on an amount of the transaction. Transaction liability may be allocated based on a merchant category code identifier assigned to a merchant. Transaction liability may be allocated based on a location of a merchant. A default allocation of transaction liability may be re-allocated among transaction participants based on level of verification performed by a transaction participant at a point-of-sale. | 2015-08-20 |
20150235210 | SYSTEM AND METHOD FOR DUAL EMAIL AND WEB BASED CHECKOUT IN AN UNSEGMENTED LIST - A system and method for leveraging email to complete a checkout for registered and unregistered customers of the e-commerce system are disclosed. The system and method include receiving, by an email payment gateway, an email message comprising a customer email address and a token. The token includes transaction information for a transaction from a third party vendor. The system and method further include determining a registration status of a customer based on the customer email address, wherein the registration status is one of a registered customer of the e-commerce system or an unregistered customer of the e-commerce system. The system and method further include decoding the token and sending an email message to the customer email address based on the registration status and the decoded token. | 2015-08-20 |
20150235211 | SYSTEM AND METHOD FOR ACCOUNT IDENTIFIER OBFUSCATION - A method is disclosed. The method includes generating an obfuscated portion using a dynamic cryptogram unique to a transaction, where the dynamic cryptogram is determined using a uniquely derived key. The method also includes replacing a middle portion of the account identifier with the obfuscated portion to form an obfuscated account identifier. | 2015-08-20 |
20150235212 | VIRTUALIZATION AND SECURE PROCESSING OF DATA - Systems, methods, and non-transient machine-interpretable data representing executable instruction sets and/or other products for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of payment transactions and other secure data processes. In various aspects and embodiments the disclosure provides secure means for the authorization of sensitive and other data processes subject to controlled access. Such processes include, for example the creation, administration, authorization, virtualization, storage, and other manipulation or processing of electronic data representing characteristics of, instructions for, and information associated with consumer, business, and other payment accounts, and other forms of secure payment elements, such as payment tokens; and data useful in processing transactions using such accounts and elements. Information associated with particular payment means, such as accounts or payment tokens, can be stored, for example, in a data set, usually secure, sometimes referred to as a virtual or electronic wallet, or a secure payment token. | 2015-08-20 |
20150235213 | PAYMENT SYSTEM USING SPENDING GATES - A method for making a payment includes receiving a plurality of spending gate definitions for a customer account over a network. Each of the plurality of spending gate definitions associates at least one of a plurality of funding sources of the customer account with a purchase amount range. The plurality of spending gate definitions are stored in a database. A payment request for a purchase using the customer account is received over the network. The payment request includes a payment amount. The payment amount is corresponds to a first purchase amount range included in at least one of the spending definitions in the database. A payment is made using the at least one funding source of the customer account that is associated with the first purchase amount range according to the at least one spending definition. | 2015-08-20 |
20150235214 | User Authentication and Authorization - Systems, methods and apparatuses for authenticating a user and/or authorizing use of a reusable payment device associated with the user. In some examples, user identifying information, such as a checking account number, driver's license number, username, or the like, may be received. Based on this received information, a reusable payment device number associated with a reusable payment device of the user may be determined. This information may then be encrypted. Further, additional authenticating information may be received. For instance, a user personal identification number (PIN) may be received. The PIN may also be encrypted. The encrypted PIN and encrypted reusable payment device number may be analyzed to determine whether they are associated with the same reusable payment device. If so, a user may be authenticated. | 2015-08-20 |
20150235215 | System and Method for Mobile or Web-Based Payment/Credential Process - The present disclosure describes systems and methods directed towards a highly secure and intelligent, end to end provisioning, authentication, and transaction system which creates and/or consolidates user data for a unified profile for the user (e.g., a person, place, organization, object, etc.) to allow for the safe, secure, and verifiable exchange of information. | 2015-08-20 |
20150235216 | ELECTRONIC RETAIL FINANCIAL TRANSACTION MANAGER - An Internet based system for executing transactions is described. The system may include transaction data, a database, a business logic manager and user profiles. A rules may also be included, and store information about system responses to modifications of the data. The user profiles may be configured to store information concerning the availability of information and displays depending upon the user. | 2015-08-20 |
20150235217 | PHOTOS TO DETECT FRAUD AT POINT OF SALE METHOD AND APPARATUS - A system, method, and computer-readable storage medium configured to use cardholder photos captured at the time of purchase as a factor in fraud determination. Baseline cardholder photos may be submitted directly or via a social network. | 2015-08-20 |
20150235218 | INFORMATIONAL BASED TRANSACTION LIABILITY ALLOCATION - Apparatus and methods for allocating transaction liability are provided. Transaction liability may include a risk that the transaction may incur a post-authorization charge, such as a fraud investigation and/or a chargeback. The transaction liability may be allocated among one or more transaction participants. Transaction liability may be allocated based on a stock-keeping-unit of an item purchased by customer that initiates the transaction. Transaction liability may be allocated based on an amount of the transaction. Transaction liability may be allocated based on a merchant category code identifier assigned to a merchant. Transaction liability may be allocated based on a location of a merchant. A default allocation of transaction liability may be re-allocated among transaction participants based on level of verification performed by a transaction participant at a point-of-sale. | 2015-08-20 |
20150235219 | ITEM/VALUE BASED RISK MITIGATING TRANSACTION AUTHORIZATION - Apparatus and methods for risk mitigating transaction authorization are provided. A transaction participant may responds to a request for transaction authorization with “PIN Entry Required,” and restrict signature based transaction authorizations. The risk mitigating transaction authorization may be transmitted for a transaction based on a stock-keeping-unit of an item included in a purchase. The risk mitigating transaction authorization may be transmitted for a transaction based on an amount of the transaction. The risk mitigating transaction authorization may be transmitted for a transaction based on a merchant category code identifier assigned to a merchant and/or a location of a purchase. | 2015-08-20 |
20150235220 | LOCATION BASED RISK MITIGATING TRANSACTION AUTHORIZATION - Apparatus and methods for risk mitigating transaction authorization are provided. A transaction participant may responds to a request for transaction authorization with “PIN Entry Required,” and restrict signature based transaction authorizations. The risk mitigating transaction authorization may be transmitted for a transaction based on a stock-keeping-unit of an item included in a purchase. The risk mitigating transaction authorization may be transmitted for a transaction based on an amount of the transaction. The risk mitigating transaction authorization may be transmitted for a transaction based on a merchant category code identifier assigned to a merchant and/or a location of a purchase. | 2015-08-20 |
20150235221 | PROOF-OF-VERIFICATION NETWORK FOR THIRD PARTY ISSUERS - Apparatus and methods for allocating transaction liability are provided. A first transaction participant may be immunized from undesirable effects of fraud/chargebacks associated with a transaction if information responsive to a level of verification is submitted directly to a second transaction participant. The transaction may be an on-us transaction or may be associated with any issuer. The second transaction participant may include a payment guarantee provider. The information may be routed to the second transaction participant via a proof-of-verification network. Transactions that are associated with a level of verification may be subject to variable interchange rates. The interchange rates or level of immunization from fraud/chargeback may vary with respect to the level of verification performed by the first transaction participant. | 2015-08-20 |
20150235222 | Investment Risk Modeling Method and Apparatus - A system, method, and computer-readable storage medium configured to enable investment-related risk behavior modeling of individuals based on their payment card purchases. | 2015-08-20 |
20150235223 | FRAUD ANALYSIS FOR A LOCATION AWARE TRANSACTION - Fraud analysis for a location aware transaction is disclosed. Location information can be associated with historical fraud events. A location of user equipment can be analyzed against historical fraud information associated with the location to facilitate determination of a fraud factor value. The fraud factor value can reflect a determination related to a likelihood of fraud occurring in an instant transaction based on the historic fraud events proximate to the location. The determination can be based on fraud rules. Further aspects provide for abstraction of the fraud factor to limit exposure of personal information associated with wireless carrier subscribers in fraud analysis for a location aware transaction. | 2015-08-20 |
20150235224 | PRINTER CREDIT MANAGEMENT - A printer credit management method is disclosed, the method includes receiving a code at a printer. From the code, a printer identifier and a credit value are discerned. It is determined if the printer identifier corresponds to a unique identifier assigned to the printer. Only upon a positive determination, a credit balance maintained by the printer is updated to include the credit value. | 2015-08-20 |
20150235225 | Security System and Method for a Payment Card - A security system and method for a payment card to protect against card fraud and identity theft through eclectic security features that create a synergy for verifying a card holder identity and unique card holder information. The security features can be integrated into the payment card or function remotely from the payment card, triggered upon usage of the payment card. The payment card has minimal information embossed thereon. The card number is in the form of a hidden card number, known only to the card holder, and correlating to a card number code. The card number code provides information about the payment card and card holder, indirectly linking to account information. A holographic face image and fingerprint image display on the card for further card holder identification. A personal identification number, selected and changeable by the card holder is required to enable a transaction. | 2015-08-20 |
20150235226 | Method of Witnessed Fingerprint Payment - A safe method for fingerprint payment, in which no card or password is needed, and the applying of the customer's finger is witnessed by an authorized cashier. For each particular payment, both the customer's fingerprint and the cashier's fingerprint are scanned in real-time, and are sent to the server side together with related payment information; the payment is allowed to accomplish if and only if both fingerprints match their pre-collected counterparts in server side databases. In this process, the cashier plays a role resembling to a public notary or an eye-witness. | 2015-08-20 |
20150235227 | PAYMENT METHOD BASED ON IDENTITY RECOGNITION AND WRIST-WORN APPARATUS - A payment method based on identity recognition and a wrist-worn apparatus are provided. A physiological state of a user wearing the wrist-worn apparatus is detected and a physiological characteristic is obtained by a physiological sensor. The physiological characteristic is compared with a preset characteristic for verifying identity of the user. When the physiological characteristic matches the preset characteristic, a payment action is executed. | 2015-08-20 |
20150235228 | METHOD, DEVICE AND SYSTEM FOR ON-LINE PAYMENT INFORMATION TRANSMISSION - A method, device and system for on-line payment information transmission are disclosed. The method includes: upon detecting a payment order which pertains to a payment account: sending by a server via a port number which contains verification information, a prompt message to a communication account tied to the payment account, the verification information to prompt a reply from a user to send back a payment confirmation message; receiving by a terminal, the payment confirmation message input by the user, wherein the terminal corresponds to the communication account, and sending by the terminal via the communication account to the port number, the payment confirmation message; receiving by the server via the port number, the payment confirmation message; extracting by the server, the verification information from the port number according to the received payment confirmation message, and processing the payment order according to the verification information. | 2015-08-20 |
20150235229 | CUSTOMER RELATIONSHIP DEVELOPMENT - Systems, methods and media are provided for customer relationship development. In an example embodiment, a computer-implemented method comprises causing display in a user interface, of one or more options in relation to a creation, by a user, of a virtual version of a physical system or service, and receiving specifications, in response to the displayed one or more options, from the user in relation the creation of the virtual system or service. In response to the received instructions, the virtual version of the physical system or service is created. In the virtual version of the physical system or service, a real-world operation of the physical system or service is simulated for the user. | 2015-08-20 |
20150235230 | PRIORITIZING CUSTOMER SERVICE - In a computer-implemented method for prioritizing customer service, personal information of a customer located at a store location is automatically accessed (wherein the accessing of personal information conforms to applicable privacy laws). The personal information is automatically analyzed. Customer service is prioritized for the customer based on the analyzed personal information while the customer is located at the store location. | 2015-08-20 |
20150235231 | Systems and Methods for Electronic Vehicle Licensing - A mobile vehicle electronic licensing terminal and an operating method thereof for supporting vehicle related transactions between a motorist and a motor vehicle administration authority. | 2015-08-20 |
20150235232 | SYSTEM AND METHODS FOR THE PRODUCTION AND MANAGEMENT OF BENEFITS FROM USE OF NATURAL SUBSTANCE - The present invention is a system and methods that facilitates the identification and management of benefits derived from the use of a naturally-occurring substance. Certain preferred embodiments of the present invention facilitate the identification of the characteristics and the tracking of the transport and use of the substance in order to define and monetize the benefits that the substance may provide given the context in which it used. Advantageously, certain preferred embodiments are directed to a system and methods by which the consequences of the use of a quantity of a certain natural substance used in an agricultural context can be quantified and monetized. Through the use of certain embodiments of the invention in agricultural production, a variety of benefits including reduce carbon emissions may be monetized and managed. | 2015-08-20 |
20150235233 | Method for Authenticating a Product in a Container, and Associated Method for Verifying the Authenticity of the Product and its Container - The present invention relates to a method for authenticating a product conditioned in a container and said container, characterized in that: a) at least a first authentication means for ensuring authenticity of the container is chosen and applied onto the container and a first authentication key (AC | 2015-08-20 |
20150235234 | DEVICE FOR AUTHENTICATING A BOTTLE AND AUTHENTICATION METHOD USING SAID DEVICE - A device for authenticating a bottle, which includes a neck ( | 2015-08-20 |
20150235235 | System for Authenticating Items - Methods and systems for authenticating items and remotely detecting counterfeit items. Methods and systems for detecting counterfeit copies of genuine items. | 2015-08-20 |
20150235236 | MEDIA DISSEMINATION SYSTEM - Methods and systems for managing an online presence of a brand via a distributed computer system are disclosed. A network for data related to the brand wherein the searching, at least in part, seeks out databases with online profiles for the brand. Content is aggregated based on the data from more than one source on the network. The content is normalized to generate normalized content by mapping data structures to display the normalized content in a consistent format. The content is curated to display the normalized content alongside links to the data related to the brand in an interface. The brand is provided with authorization to access and modify the interface. | 2015-08-20 |
20150235237 | METHODS AND SYSTEMS FOR EXCLUDING INDIVIDUALS FROM RETAIL ANALYTICS - Systems and methods are described for excluding individuals from retail analytics. Pedestrian traffic within a predetermined area is monitored via a video sensor to determine a video entrance. The video entrance may correspond to entrances of the predetermined area by a first set of individuals. The pedestrian traffic may also be monitored via a plurality of wireless sensors to determine a wireless entrance. The wireless entrance may correspond to entrances by a second set of individuals. The video entrance and the wireless entrance are compared to determine if any of the entrances associated with a video timestamp match any of the entrances with a wireless timestamp. An overall entrance count corresponding to the number of customers entering the predetermined area is determined. Retail analytics excluding employees may subsequently be calculated using the overall entrance count. | 2015-08-20 |
20150235238 | PREDICTING ACTIVITY BASED ON ANALYSIS OF MULTIPLE DATA SOURCES - In a method for determining consumer activity, a computer retrieves consumer activity data for a consumer from each of a transactional data, demographic data, and social media data source. The computer determines categories, based, at least in part, on the consumer activity data, ranks the categories for the consumer, which represents consumer activity in each category in each of the three data sources, and assigns a weight to each of the three data sources. The computer calculates, based, at least in part, on the assigned weight and the consumer activity data for each of the three data sources, a score for each category in each of the three data sources for the consumer. The computer adds the scores and ranks each category for the consumer, which represents the consumer activity in each of the categories. | 2015-08-20 |
20150235239 | PREDICTING DEMAND OF A NEWLY INTRODUCED SHORT LIFECYCLE PRODUCT WITHIN AN ASSORTMENT - Predicting demand of a newly launched product may comprise obtaining customer sentiment data associated with the newly launched product, the customer sentiment data obtained at least from social media. A mean sentiment lag associated with the customer sentiment data may be determined. A weight given to a predicted PLC effect of the newly launched product relative to customer sentiment identified in the customer sentiment data may be determined. Numerical prediction parameters from parameter values associated with a like-item that is determined to be similar to the newly launched product may be obtained. A product utility valuation may be computed as a weighted combination of the predicted PLC effect and a lagged social media sentiment determined from the customer sentiment data accounted by the mean sentiment lag. The product utility valuation provides an indication of the future demand of the newly launched product. | 2015-08-20 |
20150235240 | METHOD AND APPARATUS FOR IMPROVING CUSTOMER INTERACTION EXPERIENCES - A computer-implemented method and an apparatus for improving customer interaction experiences determines one or more personas associated with a customer based on customer activity on a plurality of interaction channels. One or more persona profiles corresponding to the one or more personas are generated and maintained, where a persona profile is representative of a set of behavioral traits exhibited substantially consistently by the customer when inhabiting a persona. One or more customer interactions are correlated to at least one persona based on the one or more persona profiles, where the one or more customer interactions are conducted over one or more interaction channels. An intention of the customer is predicted based on the correlation of the one or more customer interactions to the at least one persona. | 2015-08-20 |
20150235241 | METHOD OF GENERATING A PRIORITIZED LISTING OF CUSTOMERS USING A PURCHASE BEHAVIOR PREDICTION SCORE - There is provided a method of generating on a computer a prioritized listing of customers. The method includes establishing a data communications link to a database including financial payment information related to a financial transaction of an existing vehicle of each customer. The method includes retrieving an existing payment amount based upon the financial payment information. The method includes calculating a new payment amount. The method further includes deriving a payment difference score based upon a difference between the existing payment amount and the new payment amount. The method includes determining a behavior factor. The method includes deriving on a computer a behavior score based upon the behavior factor. The method includes determining a purchase behavior prediction score based upon the payment difference score and the behavior score. The method further includes ranking each customer based upon the determined purchase behavior prediction score. The method further includes generating a prioritized listing using the ranking of each customer. | 2015-08-20 |
20150235242 | SYSTEM AND METHOD FOR INTERACTIVE FORECASTING, NEWS, AND DATA ON RISK PORTFOLIO WEBSITE - A system receives public opinion information and then generates statistical output based upon the received information. Users access the system and enter their opinions or projections with respect to a particular subject. The system utilizes the entered information to provide users with public opinion and projection data. The amount of weight that any particular opinion is given depends upon the time that the opinion was submitted. | 2015-08-20 |
20150235243 | ENGAGEMENT TOOL FOR A WEBSITE - A method of collecting and analyzing data over a network is disclosed which for embedding in webpages and which collects feedback from a plurality of users, and processes the feedback to detect sentiment, which may be presented in a chart. Processing may comprise parsing the feedback, breaking it down into parts, labelling the parts and assigning a numerical value depending on sentiment. The chart may form part of an intuitive and simple to use dashboard display. | 2015-08-20 |
20150235244 | SURVEY METHOD AND SYSTEM - A method and system to incentify a user to participate in a survey providing accurate, reliable and complete answers with tools to a researcher to create a research project and research games. The research game is published online where users play the research game. The system measures in-game answers, selections, behaviors and outcomes. The system analyzes these in-game responses and reports the game behaviors and outcomes to the research client. Information regarding the research project, research game, the research client, the user, responses and reports are stored in one or more databases. | 2015-08-20 |
20150235245 | REAL TIME CUSTOMER RECATEGORIZATION - A computer-implemented method for responding to user behaviors includes storing category specifications for a plurality of categories configured to characterize users, storing categories for users in a computer network system, detecting behaviors of a user in real time, and determining in real time if the behaviors of the user is within a first category specification associated with a first category that the user is tagged with. If the behaviors of the user exceed the first category specification, the method assigns a second category to the user in real time in response to the detected user behaviors. | 2015-08-20 |
20150235246 | CROSS-CHANNEL AUDIENCE SEGMENTATION - A method comprising using at least one hardware processor for: receiving first a set of keywords associated with a first advertising platform; receiving second a set of keywords associated with a second advertising platform; defining binary relations between the first and second sets of keywords; applying formal concept analysis (FCA) to the binary relations, to produce a concept lattice; and updating the concept lattice responsive to changes in the first or second sets of keywords. | 2015-08-20 |
20150235247 | COMPUTER IMPLEMENTED SYSTEM AND METHOD FOR DETERMINING A MULTI STAGE FACILITY LOCATION AND ALLOCATION - Disclosed is a method and system for determining a location of a facility. A population size, a crossover rate, and a mutation rate for the region along with geo-spatial co-ordinates of customer locations are received. Further, initial seeds and offspring seeds are generated in the region based on the population size, and the crossover rate along with the mutation rate. Further, one or more solutions are generated for the region by applying a k-means algorithm and a simulated annealing algorithm on the initial seeds and the offspring seeds. Furthermore, the one more solutions are compared in order to obtain a preliminary optimal solution having a shortest distance from the customer locations. The preliminary optimal solution is optimized using MILP model in order to obtain a final multi objective optimal solution reflecting a location for placement of the facility with many strategic to operational decision scenarios. | 2015-08-20 |
20150235248 | SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS PROVIDING A YIELD MANAGEMENT TOOL THAT ENHANCES VISIBILITY OF RECOVERY RATES OF RECOVERED AND DISPOSED ASSETS - A yield management system for dynamically enhancing visibility of yield rates realized for one or more recovered assets is provided. The system is configured to retrieve disposition data associated with a plurality of activities undertaken with handling and processing of one or more recovered assets for disposal thereof and comprising at least one component of disposition cost. Based thereon the system calculates a yield rate for each of said one or more recovered assets, compares said calculated yield rate to one or more market yield rates to identify one or more discrepancies, and if discrepancies exist, generate an indication thereof. A conservation logistics system is also provided, which calculates an index value along a consolidated index scale, compares said index value to one or more pre-determined goals so as to identify one or more discrepancies, and if discrepancies exist, facilitates implementation of one or more conservation logistics initiatives. | 2015-08-20 |
20150235249 | SYSTEMS AND METHODS FOR TRACKING VALUE - Methods and systems are provided for tracking one or more items purchased by a user, automatically estimating current transition price of the items and tracking a market transition value of the items over time. | 2015-08-20 |
20150235250 | SYSTEM, COMPUTER-IMPLEMENTED METHOD, AND NON-TRANSITORY, COMPUTER-READABLE MEDIUM TO DETERMINE RELATIVE MARKET VALUE OF A SALE GROUP OF LIVESTOCK BASED ON GENETIC MERIT AND OTHER NON-GENETIC FACTORS - Systems, computer-readable medium having computer program, and related computer implemented methods are provided to determine the relative market value of a sale group and to generate a genetic merit scorecard. Such systems, computer-readable medium having computer program, and related computer implemented methods utilize the genetic merit estimates of relatives of a sale group, along with associated economic weighting factors to determine the relative market value of the sale group. The genetic merit scorecard reflects the relative market value and ranking of the genetic merits of the sale group, as compared to the industry. | 2015-08-20 |
20150235251 | METHOD FOR PROVIDING INCENTIVE, SERVER, AND NON-TRANSITORY COMPUTER-READABLE RECORDING MEDIUM - A system and a method allow for the provision of an incentive between different applications. A server stores information including, in association, a user identifier, a first identifier, and a second identifier received from a client terminal, and when receiving an incentive request, causes an application server to provide an incentive to the user pertaining to the first identifier corresponding to the second identifier based on the information. | 2015-08-20 |
20150235252 | PERTURBATION, MONITORING, AND ADJUSTMENT OF AN INCENTIVE AMOUNT USING STATISTICALLY VALUABLE INDIVIDUAL INCENTIVE SENSITIVITY FOR IMPROVING SURVEY PARTICIPATION RATE - Sensitivity to incentive changes of survey participant may be computed and analyzed. Participants and one or more attributes associated with the participants may be identified. The participants may be clustered into one or more clusters according to the one or more attributes. An incentive amount to be given to a participant in a cluster of said one or more clusters may be perturbed by performing random perturbation computation. The incentive may be distributed to the participant. One or more responses of the participant may be monitored. Individual incentive sensitivity representing incentive sensitivity of responsiveness of the participant per incentive change may be computed based on the monitoring. Incentive amount computation may be dynamically adjusted responsive to determining that the individual incentive sensitivity changed by a predefined criterion. | 2015-08-20 |
20150235253 | METHOD AND SYSTEM FOR GENERATING RELATIONSHIP BASED ON RECOMMENDATION - The present invention relates to a method and a system for generating a relationship based on a recommendation, wherein a coupon including recommender information is transmitted to a potential client, the recommender information is acquired from the registered coupon, a relationship of a recommender and a recommendee is formed between the acquired recommender and the potential client registering the coupon, and compensation is provided when a product is purchased. The method for generating a relationship based on a recommendation, according to the present invention, comprises: a coupon generating step for generating the coupon including the recommender information; a coupon transmitting step for transmitting the generated coupon to the potential client; and an information acquiring step for acquiring the recommender information from the information of the registered or used coupon when the transmitted coupon is registered or used. | 2015-08-20 |
20150235254 | ADAPTIVE DYNAMIC CODING BENEFITS PROGRAM - A computer-implemented adaptive benefits program may be implemented by storing benefits program data in memory of a point of transaction device, reading an adaptive data matrix in association with a transaction, offering a benefit to user or customer in the transaction, and transmitting transaction data indicative of the offer from the point of transaction device. The adaptive data matrix can be configured to define user data indicative of the user or customer, and transaction history data indicative of a transaction history of the user or customer. The benefit offering can be selected based on the transaction history in combination with the benefits program data stored in memory. The transaction data can be selected for updating the transaction history based on the transaction, and for modifying the adaptive data matrix accordingly. | 2015-08-20 |
20150235255 | SYSTEM AND METHOD FOR FREQUENCY BASED REWARDS - In various embodiments, a frequency based reward system, method, and computer readable medium (collectively, the “System”) is provided. The System may comprise a reward program having a first portion and a second portion. The first portion may be configured to determine a first reward for a first transaction based on the amount of the transaction. The System may also be configured monitor a number of transactions associated with a transaction account. The second portion may be configured to determine a second reward in response to the number of transaction associated with a transaction account exceeding a threshold. The second reward may be a function of the total reward earned for all transactions associated with a transaction account for a period of time. | 2015-08-20 |
20150235256 | METHOD AND APPARATUS FOR POINT-OF-SALE PROCESSING OF A LOYALTY TRANSACTION - A method and apparatus are provided for point-of-sale processing of a loyalty transaction within a standard financial transaction through a contactless interface, using contactless NFC communications, wherein responsive to a payment and loyalty point earning and redemption command input to a wallet application of a mobile device, the wallet application initiates a loyalty point balance transaction between the mobile device and a loyalty CRM system in response to which the wallet application stores the available points in the mobile device; and wherein responsive to the mobile device being positioned within an RF field of a point-of-sale terminal the wallet application initiates a staged transaction whereby the point-of-sale terminal adjusts a final transaction amount by the available points for redemption. | 2015-08-20 |
20150235257 | Method and system to dispatch a car - A method to dispatch a car in a dispatch center is disclosed. First, a car dispatch request from a passenger is received. Then, according to the car dispatch request, a step to determine whether the passenger uses his reward points to exchange a priority for dispatching a car is performed. When the passenger uses his reward points to exchange the priority, a step to determine whether his reward points are larger than the required points to exchange the priority is performed. When his reward points is larger than the required points, the dispatch center according to the priority to dispatch a car. The reward points for exchanging the priority are transferred to the driver. | 2015-08-20 |
20150235258 | CROSS-DEVICE REPORTING AND ANALYTICS - At a marketing platform, an aggregated profile device graph is provided that associates different unique aggregated profile identifiers with different sets of related devices and their associated user identifiers. At least a portion of the aggregated profile device graph also associates user profile data and activity data with each device's user identifier and corresponding aggregated profile identifier. In response to the marketing platform obtaining a report request for a performance metric for a particular user segment, the performance metric is determined from activity data of specific ones of the aggregated user identifiers and their associated sets of related devices. Each of these specific aggregated user identifiers and their associated sets of related devices are associated with user profile data that includes the particular user segment. A report on the performance metric for the particular audience segment is then provided, for example, to the report requester. | 2015-08-20 |
20150235259 | SYSTEMS AND METHODS OF MEASUREMENT AND MODIFICATION OF ADVERTISEMENTS AND CONTENT - Systems and methods of measurement and modification of advertisements and content are described. In one example, a measurement system receives measurement data from a client device. The measurement data identifies an event associated with an advertisement or a content item presented by the client device. The measurement system determines performance data associated with the advertisement or the content item based at least in part on the received measurement data. The measurement system also sends the performance data to at least one of a server or the client device to cause at least one action related to the advertisement or the content item. | 2015-08-20 |
20150235260 | FORECASTING ELECTRONIC EVENTS - A system and methods are provided for forecasting the volume of future events that match specified attributes regarding type of event (e.g., serving of an advertisement impression, a page view, fraudulent activity), attributes of entities involved in the events (e.g., users, content items, system components), and/or other factors. A forecast query is received with one or more terms identifying target criteria of a campaign (e.g., an ad campaign, some other content-serving campaign). The query is decomposed into a first set of terms corresponding to attributes for which one or more predefined models exist, and a second set of terms for which no models exist. The predefined model for the first set of terms (or for a third term that is a superset of the first set of terms) is then used to estimate a number of future events that match the query terms. | 2015-08-20 |
20150235261 | ADVERTISEMENT EFFECTIVENESS MEASUREMENT - A dashboard to integrate gadgets and present data output from the gadgets in an integrated user interface. The gadgets dynamically collect information about an advertisement or an ad campaign associated with the advertisement as the information is collected from various sources during the ad campaign, each of some of the gadgets processing collected information and outputting the processed information in real time. | 2015-08-20 |
20150235262 | METHOD, SYSTEM AND COMPUTER PROGRAM PRODUCT FOR ENHANCING BUSINESS GROWTH, MARKETING AND ANALYSIS - This invention relates to methods, systems and computer program products to improve communication and business transactions between healthcare professionals and consumers, for the purchase of product and services and in particular for marketing products and services, and providing analytical services to the pharmaceutical and consumer health care and medical industry. The invention also relates to mining computer data for segmentation and profiling information to assist in future growth. | 2015-08-20 |
20150235263 | MANAGING COOKIE DATA - A method, information handling system and/or computer program product provides a cookie to a user. The method comprises: analyzing data in a consolidated set of the user's internet activities; generating a server side cookie for a website based on the analyzed data; in response to the user visiting the website with a first client, providing the server side cookie to the first client; merging the server side cookie with a client side cookie at the first client; and using the merged cookie to provide personalized recommendations to the user. | 2015-08-20 |
20150235264 | AUTOMATIC ENTITY DETECTION AND PRESENTATION OF RELATED CONTENT - The present disclosure allows for automatic detection of an entity referenced in a video and presentation of a purchasable item associated with the identified entity to a user viewing the video. A method may include evaluating a video using one or more entity analysis techniques and identifying an entity associated with the video based on the evaluation. Next, one or more purchasable items associated with the entity may be identified. A first purchasable item may be selected from among the one or more purchasable items based on a user history associated with a user and the selected first purchasable item may be presented to the user during playback of the video. | 2015-08-20 |
20150235265 | Network Neighborhood Marketing and Participant System - Disclosed embodiments include a marketing opportunity and participant verification system wherein a “Neighborhood Specialist” is designated as a central point of contact for registered neighborhood residents. System owners may lease the position of Neighborhood Specialist to any type of vendor, such as a real estate agent. A Neighborhood Specialist may then acquire registered neighborhood residents by various means, include the distribution of individualized invitations the invitations having unique serial numbers or other identifying information. Once a prospective neighborhood resident is verified by the Neighborhood Specialist, the newly registered neighborhood resident may post electronic messages for the exclusive preview of the Neighborhood Specialist. After the preview and possible response by the Neighborhood Specialist, the message is posted to the other registered neighborhood residents. The Neighborhood Specialist enjoys unique and personalized contact with residents of a specific neighborhood, providing quality marketing opportunities. | 2015-08-20 |
20150235266 | SYSTEMS AND METHODS TO CREATE A GEOGRAPHIC HEATMAP - A plurality of location data points is collected by a system, each location data point of the plurality of location data points corresponding to a request received at a central server from a user device of a user among a group of users. A geographic heatmap is created based on the collected plurality of location data points, the geographic heatmap identifying density distributions of the plurality of location data points, the density distributions being concentrations of the location data points included in each of a plurality of identified locations. The density distributions are analyzed within the geographic heatmap to identify a target location from one of the plurality of identified locations with a density profile including parameters exceeding one or more pre-defined thresholds. A geofence is generated around the target location, the geofence enabling detection of target users for distributions of promotional publications associated with the target location. | 2015-08-20 |
20150235267 | SYSTEMS AND METHODS FOR DELIVERING CONTENT - The present disclosure relates to computer-implemented systems and methods for delivering content. An example method may include receiving ambient environment information associated with a user device, the ambient environment information comprising image information for an image having multiple objects positioned within the image, and identifying a user associated with the user device. The method may include identifying a user category associated with the user, and identifying at least two of the objects positioned within the image based at least in part on the image information. The method may include identifying one or more triggers based at least in part on the at least two objects, and identifying, based at least in part on the one or more triggers, at least one marketing message associated with the one or more triggers, the ambient environment information, and the user category. The method may include sending the marketing message to the user device. | 2015-08-20 |
20150235268 | EVENT-BASED OFFERS FOR A GEOFENCED GEOGRAPHIC AREA - Provided are systems, methods, and computer-readable media for providing an event-based offer. An event-based offer may be created in response to a request for a merchant. An event-based offer may be associated with event criteria that define when an event-based offer is to be provided to users. Mobile user devices of users attending an event may cross an event geofence at an event venue. Event data associated with an event may be obtained, and an event-based offer may be sent to the mobile user devices if the event data meets the event criteria. | 2015-08-20 |
20150235269 | METHODS AND SYSTEMS FOR RESERVING A PARTICULAR THIRD-PARTY CONTENT SLOT OF AN INFORMATION RESOURCE OF A CONTENT PUBLISHER - Systems and methods for reserving a particular third-party content slot of an information resource of a content publisher. A processor receives, responsive to an action to an object included within an information resource of a publisher, a request to receive information for inserting a creative within slots available on the information resource. The processor provides, for display, an interface that includes the information regarding inserting the creative within the content slots on the information resource. The information identifies slots and costs associated with inserting the creative within each of the slots. The processor receives, via the interface, a request to insert a creative within a particular slot according to a reservation policy. The request identifies the creative to insert in the particular slot and the reservation policy. The processor stores data associated with the request to insert the creative within the particular slot. | 2015-08-20 |
20150235270 | UPGRADE NOTIFICATIONS AND PROMOTIONS FOR ELECTRONIC DEVICES - Methods and implementations of providing device upgrade notifications and determining device upgrade eligibility and device trade-in values are described herein. These techniques include operations to determine and obtain an upgrade status of a device (and a device's contract status with a service provider), determine and obtain characteristics of the device, determine and obtain a promotional offer for an upgrade of the device, and generate and display a promotional offer that may be output on the device itself. The upgrade status may be displayed in connection with software app or widget that outputs a countdown timer for the device upgrade and value assessment for a trade-in of the user's existing device. Other techniques for providing customized and targeted advertising and promotions for device upgrade and purchases also may be provided through use of the software app or widget. | 2015-08-20 |
20150235271 | MULTI-PLATFORM PROMOTIONS FOR MOBILE DEVICES - A process of delivering promotional materials performed by at least one or more first computing devices including at least tangible computing elements. The process includes the steps of receiving over a network a request from a second computing device based on a tracking link being activated on the second computing device, determining a platform and operating system for the second computing device, and delivering the promotional material to a native part of the operating system or to an application program running on the second computing device based on the platform and operating system. | 2015-08-20 |
20150235272 | MULTI-PLATFORM PROMOTIONS FOR MOBILE DEVICES - A process of providing services to a merchant to enable delivery of promotional materials performed by at least one or more first computing devices including at least tangible computing elements. The process includes the steps of receiving merchant account information for the merchant; generating a client identifier, a distributor authorization, an application programmer interface key, a certificate for a native part of a first computing device operating system that is configured to receive promotional materials, and a certificate for an application program of a second computing device operating system that is configured to receive promotional materials; receiving pass setup information from the merchant; and generating a tracking link for the merchant. When the tracking link is activated by a second computing device, the platform and operating system for the second computing device are determined and the promotional material are delivered accordingly. | 2015-08-20 |
20150235273 | SYSTEM AND METHOD FOR DETECTING, MANAGING, AND PREVENTING LOCATION INFERENCE IN ADVERTISING OVER A COMMUNICATIONS NETWORK - A method and apparatus for preventing inference of at least one unique identifier associated with a subscriber in an advertising communication network. The method comprises providing targeting criteria from an advertising server to a matching database; providing the at least one unique identifier from a subscriber database to the match database; identifying a subscriber intersection at the match database, the subscriber intersection related to the at least one unique identifier and the targeting criteria; and selectively removing the at least one unique identifier associated with the subscriber intersection from the match database, such that the at least one unique identifier is no longer accessible by the advertising server from the match database. | 2015-08-20 |
20150235274 | REAL-TIME ANALYTICAL APPLIANCE AND SYSTEM - A data collection device and a data collection and analysis system to receive and enable real-time analysis of product information of a retail transaction is disclosed. The data collection device connects between a data capture device and a point-of-sale terminal and is configured to receive coded data from the data capture device. The data collection device can copy the coded data and forward the coded data to the point-of-sale terminal in its raw form and to an analysis server as analytics data. Time data and location data can also be transmitted by the data collection device to the analysis server. The analysis server processes the analytics data to reveal product information and compares the product information, time data and location data with correlations based on historical data sets. The analysis server can deliver product focused advertisements in real-time. | 2015-08-20 |
20150235275 | CROSS-DEVICE PROFILE DATA MANAGEMENT AND TARGETING - For each device represented in a device graph of different sets of related devices, user profile and advertisement activity data are periodically obtained and associated with such device. For each set of related devices, an aggregated user profile graph is formed either by copying each related device's user profile data to the user profile data of the other related devices based on the device graph or each related device's user profile data is referenced with the user profile data of each other related device based on the device graph while maintaining such each related device to be separately associated with its user profile data. Different unique aggregated profiled identifiers are associated with different sets of related devices, and the aggregated profile device graph is provided in a database that is accessible by a processor that is programmed to perform targeted advertising or marketing engagement over a computer network. | 2015-08-20 |
20150235276 | Method And System Of Distributing, Advertising, And Fundraising - This disclosure provides a method and system using an internet-connected computing device to distribute, advertise, promote, sell, and fundraise with advertising budgets allocated in whole or in part to designated third-party beneficiaries in exchange for advertising placement alongside free or fee-based digital or physical content. Content owners may provide multiple forms of advertising for sponsors. Sponsors may purchase or bid against other sponsors for advertising placement to become current or next content sponsor. Content is found by searchable criteria. Download, stream, or purchase of content is available only by sharing specific URL and/or subscribing through social networking, text messaging, emailing, and/or other methods. Content recipients receive free or discounted content while fundraising for beneficiary with sponsor funds. Content recipients may also purchase additional content from and/or donate to the content owner, sponsor, and/or beneficiary. Membership and/or commission fees may apply. | 2015-08-20 |
20150235277 | Provision of Advertising in Social Media Content In a User Compensation Based Model - System and method for providing auction-based advertising with content, such as pictures or video, transmitted via social media. A user takes a picture with a camera of his mobile communication device. The device then receives a plurality of bids from companies to incorporate advertising into the picture. A first bid is then selected from among the plurality of bids, wherein the first bid is selected either by the user or automatically based on some pre-determined criteria. Alternatively, an advertisement is selected based on a prior user agreement with the advertiser. The selected advertisement is then incorporated into the picture to produce a modified picture. The modified picture is then electronically transmitted to a plurality of followers of the user. | 2015-08-20 |
20150235278 | COMPUTER-IMPLEMENTED METHOD AND SYSTEM FOR MANAGING KEYWORD BIDDING PRICES - A computer-implemented method and system for managing keyword bidding prices are disclosed. An example system embodiment includes an automatic keyword bidding module, operably coupled with a processor and a memory, operable to determine a revenue per click value associated with a keyword, obtain bidding information associated with the keyword, obtain automatic bid controls associated with the keyword, and automatically generate a bid value for the keyword based on the revenue per click value, the bidding information, and the automatic bid controls. | 2015-08-20 |
20150235279 | INFORMATION PROCESSING APPARATUS AND IMAGE DATA TRANSMITTING METHOD - According to one embodiment, an information processing apparatus generates content data including image data corresponding to products, and associates a sound effect identifier indicative of sound effect data in a memory region in a terminal with the image data in accordance with an operator's operation. The apparatus transmits to the terminal the image data together with the sound effect identifier associated with the image data in order to cause the terminal to play the image data and the sound effect data corresponding to the image data. | 2015-08-20 |
20150235280 | POST-SESSION INTERNET ADVERTISING SYSTEM - In one preferred embodiment, a first display is viewed in a first platform in the foreground of a media by a viewer. A viewer initiates a load triggering event and in response, a post-session platform is opened to display a post-session display in the background of the media. Significantly, in the preferred embodiment, the post-session platform stays in said background until a view triggering event occurs. The type of platform and display used will depend significantly on the media. In one preferred embodiment of the present invention an optional focus timer is activated by the view triggering event to allow an accurate assessment of the actual time a viewer focuses on the display in the post-session platform. In another alternate preferred embodiment of the present invention, the number of post-session platforms is limited to, for example, one platform. | 2015-08-20 |
20150235281 | CATEGORIZING DATA BASED ON CROSS-CATEGORY RELEVANCE - Techniques for auto-categorization data may be provided. For example, a computing service may be implemented to analyze data sets. A first data set may include data strings pre-categorized in various groups. For a group, the computing service may generate a relevant data string representative of the group by considering how relevant that data string may be to the group and to other groups. A second data set may include an uncategorized data string. The computing service may match the uncategorized data string to the relevant data string and, accordingly, may categorize the uncategorized data string as belonging to the group. | 2015-08-20 |
20150235282 | Method and system to share, interconnect and execute components and compute rewards to contributors for the collaborative solution of computational problems. - A method and system that allows multiple developers to collaborate together by developing, modifying and sharing code components and data which are integrated to provide a solution to a computational problem. The system enforces a sharing mechanism for the components (code and data) and an interface between components. The system allows developers to execute the components either locally or remotely. The system determines a consumption metric based on the resource consumption of each component (compute/storage/bandwidth). The system determine a contribution metric for each developer's components to the overall solution. The system uses the contribution metric and the consumption metric and computes a reward for each developer proportional to his contribution | 2015-08-20 |
20150235283 | COMMODITY SALES DATA PROCESSING APPARATUS AND COMPUTER PROGRAM - According to one embodiment, a commodity sales data processing apparatus includes a key for declaring execution of processing for causing, in a commodity transaction, a customer to make a motion for substantially directly facing an image pickup unit provided in a predetermined position, a customer-image pickup unit configured to pick up, according to operation of the key, using the image pickup unit, a face image of the customer substantially directly facing the image pickup unit, an age-group determining unit configured to compare the picked-up face image and face image data indicating features by age group stored in advance and determine an age group of the customer, and an associating unit configured to associate, according to the operation of the key, the determined age group with commodity information of a commodity traded in the commodity transaction. | 2015-08-20 |
20150235284 | DATA DISPLAY SYSTEM AND METHOD - A method, computer program product, and computing system for defining a database record for each of a plurality of products available for sale within an online catalog, thus defining a plurality of database records. An attribute set is associated with each of the plurality of database records, thus defining a plurality of attribute sets. A search string is received from a user that defines one of more search terms. The one of more search terms defined within the search string are compared to the plurality of attribute sets to identify one or more matching database records, wherein the one or more matching database records are chosen from the plurality of database records. | 2015-08-20 |
20150235285 | DATA DISPLAY SYSTEM AND METHOD - A method, computer program product, and computing system for rendering a first-level menu for an online catalog, wherein the first-level menu defines a plurality of first-level categories. A first response is received from a user of the online catalog that defines a selected first-level category, chosen from the plurality of first-level categories. A plurality of second-level categories, associated with the selected first-level category, is rendered in a subordinate fashion with respect to the selected first-level category. | 2015-08-20 |
20150235286 | On-Line System and Method for Leveraging Purchasing Power - There is disclosed a system and method that employs internet based crowd sourcing to establish price points and purchase criteria for items that a purchaser community wishes to purchase. A supplier community is provided with an opportunity to sell the item(s) to the purchaser community at the terms offered by the purchaser community, or to counter-offer with terms that the purchaser community may accept or reject. | 2015-08-20 |
20150235287 | SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR ENABLING OUTCOME-BASED SERVICE CYCLE MANAGEMENT - Various embodiments provide a service cycle management system configured to: receive a first portion of input data comprising one or more requests from one or more holders of an asset; retrieve a second portion of the input data comprising one or more parameters associated with handling of the asset within the reverse cycle loop; calculate one or more optimal service tasks for handling of the asset based at least in part upon the service data and the one or more parameters defined by the holder; calculate one or more optimal service providers to perform the one or more optimal service tasks based at least in part upon the provider data, the one or more calculated optimal service tasks, and the one or more parameters defined by the holder. Associated computer program products and computer implemented methods are also provided. | 2015-08-20 |
20150235288 | SECURELY AND EFFICIENTLY PROCESSING TELEPHONE ORDERS - An apparatus includes a registration module that creates and stores a customer billing profile of a customer with billing information, contact information and/or shipping information of the customer. A phone connection module establishes a telephonic connection between the customer and an automated attendant of a merchant. An identifier module sends an identifier to the automated attendant after establishing the telephonic connection. The identifier links the customer to a customer billing profile. A sales identifier module identifies to the automated attendant a product and/or a service offered by the merchant as part of a sales order. A billing profile module provides the automated attendant electronic access to the customer billing profile. The automated attendant processes the sales order using the customer billing profile and billing information of the customer billing profile is unavailable to the automated attendant and to a computer system of the merchant prior to establishing the telephonic connection. | 2015-08-20 |
20150235289 | COMPUTER SYSTEM AND METHODS FOR CHAT ENABLED ONLINE SEARCH - A computer system includes a network interface configured to communicate with a plurality of user devices and at least one server implementing an internet search engine, memory configured to store information related to a plurality of users of the computer system, an interactive chat module stored in memory and configured to be executed to establish chat based communication between a first user of the computer system and at least a second user of the computer system, a search engine module stored in memory and configured to be executed to provide search queries received at the computer system to remote search engines and further configured to process received search results from the remote search engine, and a processor. The processor is configured to cause the user device to display search results and chat options based on location and identifying expert users. | 2015-08-20 |
20150235290 | MOBILE DEVICE PAYMENT SYSTEM AND METHOD - A mobile device payment system and method, the method for a mobile device user to purchase goods/services from merchants with financing by a mobile device manufacturer including: providing a mobile device; establishing a user account; establishing merchant accounts; transforming the merchant accounts into a universal merchant account data set; providing the universal merchant account data set to the mobile device user; storing the universal merchant account data set; requesting the mobile device manufacturer to load consumer credit; loading the credit amount; identifying goods/services for purchase; determining a total price for the identified goods/services and a merchant identifier associated with the selected merchant; actuating a purchase button; retrieving merchant bank deposit instructions; retrieving purchase credit; and routing the retrieved credit to the selected merchant in accordance with the retrieved merchant credit deposit instructions. | 2015-08-20 |
20150235291 | SYSTEM, METHOD AND GRAPHICAL USER INTERFACE FOR MANAGING CONTACTS AND CALENDARS WITHIN AN ONLINE CARD SYSTEM - A system, a method, and a user interface are described for personalizing and sending stationery/cards. A reminder list on the user interface includes a list of reminder entries each identifying an upcoming event including events generated based on a specified relationship between the user and one or more contacts of the user. A recommendation region is populated one or more recommended stationery/card designs associated with one of the entries in the reminder list. A stationery/card personalization engine provides the user with a set of personalization options related to the selected stationery/card design, and generates personalized stationery based on the selected stationery/card design and the user input. | 2015-08-20 |
20150235292 | PRESENTING ITEMS CORRESPONDING TO A PROJECT - A request that indicates a project to be completed may be received from a device operated by a user. A plurality of items that are being used together to complete the project may be determined. The plurality of items may each be listed as being available for sale. A single display page may be generated that includes the plurality of items that are used together to complete the project. Lastly, the generated single display page may be presented to the device operated by the user. | 2015-08-20 |
20150235293 | MOBILE COMMERCE FRAMEWORK - A subscription-based system for providing commerce information for one or more mobile devices for one or more merchants. Some techniques employed feature a subscription-based method for presenting commercial resources to a mobile device. The method involves receiving mobile device user information relating to a geographic location to locate one or more merchants within a subscription-based shopping network, and receiving mobile device user information relating to a merchant type within the subscription-based shopping network. The method also involves receiving, from a database over a communication network, information for one or more merchants associated with the mobile device user information for the geographic location and the merchant type, and presenting the associated merchant information on the mobile device. The associated merchant information can include a merchant name and address, a merchant telephone number, a merchant advertisement, a merchant coupon, or a merchant product or service offering to subscribers of the shopping network. | 2015-08-20 |
20150235294 | NETWORK SEARCHING SYSTEM AND SEARCHING METHOD THEREOF - A network searching system and a network searching method thereof are disclosed. The network searching system includes a plurality of servers and a searching host. Each of the servers includes a searching engine and stores at least one piece of merchandise information. The servers search the merchandise information therein via the respective searching engines. The searching host electrically connects to each of the servers. The searching host stores a retrieval program and a retrieval interface. The searching host imports the merchandise information respectively from the servers via the retrieval program and displays the merchandise information on the retrieval interface. Besides, the searching host receives a searching string and searches the merchandise information imported from the servers according to the searching string, generates the merchandise information matching the criterion of the searching string, and displays such merchandise information on the retrieval interface. | 2015-08-20 |
20150235295 | SYSTEM AND METHOD OF COMMUNICATING WITH DISTRIBUTED MARKETPLACES - A method of processing a specification may include receiving, by a home site, information regarding a search for at least one good or service, automatically generating, by the home site, a specification comprising a command block, an origin block and a routing block, based on the received information, and transmitting, by the home site, the specification to the one or more destination marketplaces. One or more of the command block, the origin block and the routing block may include one or more domain-specific language instructions. The command block may include one or more instructions defining the search and one or more instructions defining one or more actions to perform with respect to results of the search. The origin block may include information identifying the home site. The routing block comprises information identifying one or more destination marketplaces. | 2015-08-20 |
20150235296 | MESSAGE BASED GENERATION OF ITEM LISTINGS - According to various exemplary embodiments, an electronic text message is received from a source telephone number, the electronic text message including content describing a product item. A seller of the product item is identified, based on the source telephone number, and the product item is identified, based on the content included in the electronic text message. Thereafter, a draft version of an item listing is automatically generated, where the item listing lists the product item as being for sale by the seller on a marketplace website. | 2015-08-20 |
20150235297 | SCREENSHOT-BASED E-COMMERCE - Provided are computer systems, methods, and non-transitory computer-readable medium configured for analyzing and using screenshots. The analysis and use can entail receiving a screenshot comprising identifying information of a merchandise, retrieving a candidate merchandise, offered for sale by a vendor, which candidate merchandise is a potential match to the merchandise according to the identifying information; and displaying the candidate merchandise. | 2015-08-20 |