| 36th week of 2013 patent applcation highlights part 43 |
| Patent application number | Title | Published |
|---|
| 20130231961 | Method of Providing Web Based Access To Clinical Records - A system and method for providing access to clinical data over the Internet. The system includes a server, and a database in communication with the server. The database stores clinical data sets. The system further includes a thin client, a communication link between the server and the Internet, and a communication link between the thin client and the Internet. Software executing on the server receives a request for one or more clinical data sets, retrieves the requested clinical data sets, and transmits the clinical data sets to the thin client. | 2013-09-05 |
| 20130231962 | SYSTEM AND METHOD FOR FINANCIAL INTERACTIVE MANAGEMENT - Some embodiments hereby disclosed relate to a system for loan approvals for applicants in a supply chain, and a method to operate the same. Some embodiment hereby disclosed relate to a system for insurance approvals for applicants in a supply chain, and a method to operate the same. Some embodiments hereby disclosed relate to a system for supply chain management for applicants in a supply chain, and a method to operate the same. | 2013-09-05 |
| 20130231963 | METHOD OF MANAGING AN INSURANCE PLAN AND A SYSTEM THEREFOR - An insurance plan implemented by a computer system receives an insured person's selection of an insured event and an insured amount to be paid on the occurrence of the insured event. Information is also received pertaining to an ancillary insured event and an ancillary amount to be paid on the occurrence of the ancillary insured event. Software calculates an increase in the ancillary amount to be paid on the occurrence of the ancillary insured event, the increase based on a ratio of the ancillary amount to the first insured amount. A premium is calculated using the first insured amount and the ancillary amount, and not the increase in the ancillary amount. Payment is made to the insured person if a first insured event has occurred, and is the increased ancillary payment amount if an ancillary insured event has occurred. | 2013-09-05 |
| 20130231964 | LIFE INSURANCE PRODUCTS UNDER A SINGLE APPROVED FORM - A system and method for generating life insurance products under a single approved form. In one aspect, a system and method are provided for determining a premium schedule by selecting a death benefit; targeting a projected balance of an account associated with the product; designating at least one premium band; generating, in response to a deferral determination for at least one premium-based charge for at least one premium band, factors for allocating charges associated with the product; and calculating the premium schedule. In another aspect, a system and method are provided for determining a death benefit, and in another aspect, a system and method are provided for determining a projected balance of an account associated with a life insurance product. | 2013-09-05 |
| 20130231965 | TRANSPORT BOOKING MANAGEMENT - The subject matter disclosed herein includes a system and method of ticket booking management of a passenger transport vehicle that enables online tickets purchasing regardless of the passenger's location or time of ordering the tickets, or the station they wish to board the vehicle, including intermediate stations. The passenger transport vehicle comprises a plurality of places for accommodating passengers; the places can comprise at a given time a combination of booked seats, which are previously booked by respective passengers, and non-booked seats, which are available for passengers who board the vehicle, in the traditional way, without a previously booked seat. | 2013-09-05 |
| 20130231966 | Method and Apparatus for Providing Wireless Municipal Multimedia Service - Disclosed are systems, methods and computer-readable media for providing a pass to access multimedia services in a limited geographical area serviced by a fiber-fed, star-topology network (FFSTN). The method comprises receiving pre-registration information from a user to authorize one or more computing devices to obtain access to the fiber-fed, star-topology network covering a limited geographical area for a limited time, presenting the user with a plurality of customizable services each associated with capabilities of the respective one or more computing devices to access the FFSTN, and upon authorization, granting access to requested customized services for each of the one or more computing devices. Mechanisms are provided for handing off one or more devices as they travel from a first FFSTN to a second FFSTN. | 2013-09-05 |
| 20130231967 | STRUCTURED COMMUNICATION FOR AUTOMATED DATA GOVERNANCE - The invention is directed to a communication flow for automated data governance. A structured communication model defines and manages information flow between data governance stakeholders (DGS) to provide an integrated workflow leveraging multiple data integration applications. The communication model defines the roles and responsibilities of each DGS, and governs information flow from a source application, through a shared data repository, and onward to multiple reporting environments. The process interacts with middle-ware to manage various aspects of metadata such as the context and meaning of terms and data within systems to enable automated data governance according to the communication model. | 2013-09-05 |
| 20130231968 | Method and System for Identifying Management Zones for Variable-Rate Crop Inputs - A method and system for identifying management zones for variable-rate crop inputs, wherein the zones are developed using soil, water and topography base maps. The base maps are combined into various different zone maps, and a final zone map is selected on the basis of observed field characteristics. | 2013-09-05 |
| 20130231969 | ADAPTIVE WORKFLOW DEFINITION OF CROWD SOURCED TASKS AND QUALITY CONTROL MECHANISMS FOR MULTIPLE BUSINESS APPLICATIONS - Systems and methods of adaptive workflow definition of crowd sourced tasks and quality control mechanisms for multiple business applications are disclosed. In one aspect, embodiments of the present disclosure include a method, which may be implemented on a system, for generating and distributing tasks to workers to optimize product categorization in an online marketplace, generating and distributing tasks to workers for search engine optimization of a website, and/or generating and distributing tasks to workers for business data verification and enhancement. Results can be aggregated from multiple workers to enhance or improve site information, site organization, or other business information to improve site placement in search results and/or to enhance/improve user experience. | 2013-09-05 |
| 20130231970 | METHODS AND APPARATUS FOR WORK MANAGEMENT AND ROUTING - Methods and apparatus for service-level based and/or skills-based assignment of a work item to one (or more) of a plurality of resources based on fitness, for example, of skills required by the former to those provided by the latter. Assignment takes into account the level of stress on the work item and/or resources, such that the number of resources fit for assignment varies as the level of stress varies. Systems according to the invention can be used, by way of example, to route a call or other request made by a customer to a service center. The requirements for processing the call (determined, for example, by an incoming call operator) are matched against the skill sets of available customer service agents, taking call and/or resource stress levels into account. | 2013-09-05 |
| 20130231971 | LEGAL PROJECT MANAGEMENT SYSTEM AND METHOD - A computer-implemented system for developing, tracking and managing legal (and other professional services) projects or matters through the Legal Project Management (LPM) process. The LPM process divides the management of a legal matter or project into three phases: Project Development; Project Execution; and Project Closure. The Project Development Phase includes conflict screening, fee arrangements, identification of the nature and scope of the matter, the goals of the stakeholders, the tasks associated with the matter, and development of a schedule, budget, and a communications plan. The Project Execution Phase involves monitoring the progress of the matter, tracking the actual time and cost to budget, identifying risks and changes to the scope of the matter as they develop, and communicating among team members. The Project Closure Phase includes file closure procedures, and team and client meetings to identify lessons learned in the engagement for future improvement. | 2013-09-05 |
| 20130231972 | One View Integrated Project Management System - Projects of any type require sophisticated management software programs. In reality, these management software programs are provided by various vendors and for different professional fields. For example, scheduling programs for construction professionals, blue print programs for drafting professionals, accounting programs for cost-control professionals. In addition, there are numerous other unofficial and official documents generated by managers of different levels for reporting or track-record-keeping purposes using popular word processing programs and spread-sheet programs. Documents generated by different software programs can only be viewed under the programs they are generated under or compatible programs. This poses a problem in that there is a lack of organized control resulting in difficulty in locating and viewing documents in a timely manner. The present invention provides an one view software program that would be able to provide an organized control and viewing of all documents regardless which software programs they are generated under. | 2013-09-05 |
| 20130231973 | BUSINESS ANALYSIS DESIGN SUPPORT DEVICE, BUSINESS ANALYSIS DESIGN SUPPORT METHOD AND NON-TRANSITORY COMPUTER-READABLE MEDIUM CONTAINING BUSINESS ANALYSIS DESIGN SUPPORT PROGRAM - To efficiently maintain consistency between deliverables in business analysis design, a computer performs processing of searching concatenation of predetermined words defined in each business use case description among the business use case descriptions, specifying relation among the business use cases to associate the business use cases with each other, and generating a business use case flow according to the association, processing of specifying a business function which is a higher-level of each business use case included in the business use case flow with information on business function hierarchy in a business function hierarchy storage unit, specifying concatenation of the business use cases extending across different business functions in the business use case flow, and associating the business functions with each other according to the concatenation to generate a business flow; and processing of displaying the business use case flow or the business flow generated on a display device. | 2013-09-05 |
| 20130231974 | SYSTEMS AND METHODS TO QUANTIFY CONSUMER SENTIMENT BASED ON TRANSACTION DATA - A computing apparatus is configured to quantify consumer sentiment at an aggregated or micro level using transaction data that records the transactions processed by a transaction handler of a payment system. A quantification model is generated based on correlating transaction data with respective emotional content indices extracted from data sources, such as regional news, weather, stock markets, movie themes, local sports, employment, traffic conditions, etc. Using the quantification model, consumer sentiment can be evaluated at various granularity levels, based on the granularity of the user group and the time period of the transaction data used in the quantification model. | 2013-09-05 |
| 20130231975 | PRODUCT CYCLE ANALYSIS USING SOCIAL MEDIA DATA - Systems and methods for product cycle analysis using social media data are provided herein. Some exemplary methods may include evaluating social media conversations for an author, executing a semiotic analysis of the social media conversations to categorize the social media conversations, and computing a product commitment score for the author, for social media conversation having been categorize within a product commitment score domain. | 2013-09-05 |
| 20130231976 | SYSTEM AND METHOD FOR EVALUATING TRANSACTION PATTERNS - Transaction data is collected from POS terminals in order to generate transaction paths for account holders. The transaction paths link merchant locations where transactions are conducted. Common features of transaction paths, such as intersecting path locations, and transaction data associated with the merchant locations are used for marketing and other purposes. | 2013-09-05 |
| 20130231977 | SYSTEM, METHOD AND COMPUTER PROGRAM PRODUCT FOR ATTRIBUTING A VALUE ASSOCIATED WITH A SERIES OF USER INTERACTIONS TO INDIVIDUAL INTERACTIONS IN THE SERIES - A system operable to attribute a value associated with a series of user interactions to individual interactions in the series, the system including: (a) an interface, configured to obtain information of interactions which are included in the series of interactions; and (b) a processor on which an attribution module is implemented, the attribution module is configured to attribute an apportionment of the value to each out of a plurality of interactions of the series, based on a calibrated attribution scheme and on properties relating to at least one interaction out of the series of interactions, thereby enabling efficient utilization of communication resources. | 2013-09-05 |
| 20130231978 | INTEGRATED CASE MANAGEMENT HISTORY AND ANALYTICS - A method, system and computer program product for determining health of a case. The method includes the steps of: obtaining at least one correlated trace from (i) task descriptions or (ii) data related to the task descriptions or a process instance; calculating at least one current metric using (i) the task descriptions, (ii) the data, (iii) the correlated trace or (iv) a first model; calculating at least one prognostic metric using a second model; and creating at least one combination metric from the current metric and the prognostic metric; where at least one of the steps is carried out using a computer device. | 2013-09-05 |
| 20130231979 | SERVICE EFFICIENCY METRIC - A method and a system for generating one or more service efficiency metrics are provided in this disclosure. According to various exemplary embodiments, a system receives transaction information and power consumption information of an online business. Moreover, the system generates, using one or more processors, a service efficiency metric based on the transaction information and the power consumption information, the service efficiency metric indicating a number of transactions executed via the online business during a specific time period per unit of power consumed in executing the transactions during the specific time period. | 2013-09-05 |
| 20130231980 | EDUCATION ORGANIZATION ANALYSIS AND IMPROVEMENT SYSTEM - Methods and systems for school analysis and improvement are disclosed. A computerized system is provided that is accessible to remote parties through a computer network and that are controlled by a managing entity. An option is presented to the administrator to administer surveys and diagnostics via the computerized system. The surveys and diagnostics request data regarding performance of the school as well as data responsive to the surveys and diagnostics. The data responsive to the surveys and diagnostics and the performance data are stored into a database managed by the managing entity. An administrator of the school is presented the responsive data and the performance data, and thereafter, data is received from the administrator describing one or more desired objectives for the school. | 2013-09-05 |
| 20130231981 | CONSTRUCTION TRADE BUILDING INFORMATION MANAGEMENT SYSTEM, SOFTWARE AND METHOD - A construction information system for managing construction projects in real-time, comprising a server, database in communication with a computer or other mobile device and a remote client having a software application enabling communication between the server and client | 2013-09-05 |
| 20130231982 | METHODS AND SYSTEMS FOR USING MULTIPLE DATA SETS TO ANALYZE PERFORMANCE METRICS OF TARGETED COMPANIES - New and improved methods and systems for modeling the performance of selected company metrics. Multiple, nontraditional sets of objective data along with mathematical analytical techniques are used to provide transparency and visibility into company performance relating to the particular metrics. Company inflection points and changes in strategy may be identified. The performance of a company and/or the performance of a selected industry or industry sector may be analyzed. | 2013-09-05 |
| 20130231983 | ESTIMATING BUSINESS TARGETS - A method for generating business targets includes accessing data ( | 2013-09-05 |
| 20130231984 | METHODS, APPARATUS AND SYSTEMS FOR DETERMINING CORRECTNESS AND COMPLETENESS OF LOCATE OPERATIONS - One or more pieces of equipment (e.g., a locate wand, a marking tool) are used to perform an operation to identify, in response to a ticket, a presence or an absence of an underground facility at a dig area. Data relating to the use of the equipment to perform the operation is electronically processed to determine whether the operation was completed correctly. In one example, ticket information from the ticket also is processed with the data relating to the use of the equipment to determine whether the operation was completed correctly. In another example, the equipment includes a marking apparatus, and data relating to the use of the marking apparatus that is processed includes one or more of marker characteristic information, timing information, supply information and location information relating to one or more markers dispensed by the marking apparatus. | 2013-09-05 |
| 20130231985 | RELOADING OF MONEY-STORING CARDS IN SINGLE SPACE PARKING METERS - Improved single space parking meters capable of accepting payment from a card that stores a monetary amount are described. The single space parking meter includes functionality for reloading a monetary amount to a parking card. The single space parking meter may read account information from the payment card using the card reader and receive an indication of the monetary value to load or reload onto the parking card. The parking meter may communicate with a remote system to authorize a transaction using the payment card's account information for the monetary value. An indication of whether the transaction of the payment card was successful or not is received at the parking meter and the parking meter attempts to load or reload the monetary value to the parking card when the transaction was successful. | 2013-09-05 |
| 20130231986 | NON-CASH TRANSACTION INCENTIVE AND COMMISSION DISTRIBUTION SYSTEM - An electronic fund transfer system is disclosed wherein commissions for point-of-sale purchase transactions are determined and distributed to members of an organizational network for promoting use of a non-cash payment device that is tangible for effecting purchase transactions. Purchase data is electronically transmitted from the point-of-sale to an automated clearing house for effecting fund transfers to prepare the purchase, and also to a commission management system. The commission management system maintains an electronic database reflecting the structure of the organizational network, and further determines the distribution of purchase commissions according to a predetermined schedule of proportions relating to the position and business volume of each member of the network. The commission management system further comprises a payment processor for effecting commission payments to the members or to a designated sponsor on a scheduled basis. | 2013-09-05 |
| 20130231987 | Lottery Method - The present invention relates to an online lottery syndicate system. The system includes a lottery server for issuing lottery tickets associated with a lottery. A syndicate manager computer enables a syndicate manager to arrange purchase of a lottery syndicate ticket in the lottery. An agent server receives confirmation of payment by the lottery syndicate manager, receives lottery syndicate conditions selected by the lottery syndicate manager, and purchases the lottery syndicate ticket upon receipt of said payment and based upon said lottery syndicate conditions. | 2013-09-05 |
| 20130231988 | Single Order Method For Independent Sales Representative As Used In The Party Plan Direct Marketing Method Of Selling Products - A business method and system for executing the method that involves gathering merchandise orders at a show in the home of a hostess. The method compiles the merchandise orders while maintaining a relationship between each individual order and information pertaining to the guest making the order. The guest information maintains an association with the order throughout the method such that each order made at the show may be individually packaged and labeled, obviating the need for the hostess to sort the ordered items upon receiving them from a warehouse. | 2013-09-05 |
| 20130231989 | VIDEO REVIEWS FOR CONSUMER PRODUCTS - A system and method allows users to post reviews as video clips, showing others what their experience was and if the product was useful or not. Such video reviews add credibility to the reviewer. The video review may also allow the user to rate the product based on various individual factors, such as price, quality and functionality. Unlike conventional review systems, where an average review may be provided for the product, the review system and method of the present invention allows a user to rate individual factors, providing the consumer with improved information from the review. The system and method may be provided as an internet web site, where users may register, post and search for reviews of various products. | 2013-09-05 |
| 20130231990 | METHODS AND SYSTEMS FOR PROVIDING PERSONAL SHOPPING SERVICES - A method and system for providing personal shopping assistance via a computing device includes hosting a database of information regarding a customer, hosting a database of information regarding a personal shopper, and associating the customer with the personal shopper. The personal shopper is provided the ability to recommend at least one of a product or a service relevant to the customer and receiving an indication of the purchase of the recommended product or service by the customer. An incentive system may provide a reward to the personal shopper based upon the purchased product or service, including a commission or other reward. The system may be implemented on a desktop and/or mobile device as desired to provide flexibility in implementation. | 2013-09-05 |
| 20130231991 | APPARATUS, METHOD, AND SYSTEM FOR CONDUCTING A TRANSACTION - A computing device is configured to receive an order from a customer to purchase one or more devices. The computing device is configured to determine a discount. The computing device is further configured to generate a transaction for the purchase including the discount. The computing device is further configured to provide the transaction to the customer. | 2013-09-05 |
| 20130231992 | COMMODITY RECOGNITION APPARATUS AND COMMODITY RECOGNITION METHOD - An apparatus recognizes an object from an image picked-up by an image pickup unit. The apparatus recognizes whether the object recognized by the image recognition unit is a commodity or a coupon. The apparatus outputs, if a commodity recognized by the object recognition unit is the object to which a coupon recognized by the object recognition unit, the information relative to the commodity and the information relative to the coupon applied to the commodity. | 2013-09-05 |
| 20130231993 | TWO-WAY TOUCH-SCREEN BASED COMMUNICATION SYSTEM - Embodiments of the disclosure generally set forth a two-way touch screen based communication system. One example method may include receiving an order for an item from a first touch screen device via a first network, wherein the order is associated with a first identification for a merchant, a second identification for the customer, and a negotiable parameter reflective of a preference of the customer. The method may also include making available the order for a second touch screen device of the merchant to retrieve via a second network and to display and prior to completing processing of the order, transmitting a first response to the preference of the customer to the first touch screen device via the first network. | 2013-09-05 |
| 20130231994 | SYSTEM AND METHOD FOR A MULTIPLE MERCHANT STORED VALUE CARD - The loyalty system allows a consumer to accumulate general loyalty points from one or more merchants, and convert any desired subset of general points to loyalty dollars associated with a specific merchant. The system stores, for each consumer, the merchant loyalty dollars (or monetary equivalent) by merchant within a remotely-accessible host database or within a smart card database. Upon conducting a purchase at a particular merchant, the consumer may utilize a code key to facilitate access to the consumer's own loyalty dollars for the particular merchant. The loyalty dollars are then applied to the purchase transaction as a discount or rebate. The consumer may also re-load the merchant loyalty dollar accounts. | 2013-09-05 |
| 20130231995 | METHOD AND SYSTEM FOR USING REWARD POINTS TO LIQUIDATE PRODUCTS - A user selects a product to be liquidated from a product provider and then designates to the transacting entity that reward points are to be used towards the purchase of the liquidated product. The transacting entity acts to decrease the number of reward points in the user's reward account by the required number of points. The reward account holder conveys consideration to the transacting entity equivalent to the par value of the reward points consumer obtains the product in exchange for reward points having a retail value equivalent to what he would have otherwise paid for the product, while the reward account holder is required to convey only the par value of the points. The product provider is able to liquidate the product and obtain payment equivalent to what it would otherwise have obtained in a prior art liquidation process, auction or trading environment. | 2013-09-05 |
| 20130231996 | Methods and Systems for Community-Based Content Aggregation - Certain embodiments provide systems and methods for managing elements and users of a community-based content aggregation system. An element is received that includes content associated with a community topic. The element is provided to a moderator and an approval of the element is received. The element is stored with elements attributes that can include a comment, a rating, and a label identifying a sub-topic of the community topic. A search request is received and the element is outputted in response to the request. A rating and a comment on the element is received and stored in the element attributes. Approval of the comment is received. In some embodiments, points may be awarded to a user for participating in the community and the user's user level may be modified based on the points of the user. | 2013-09-05 |
| 20130231997 | UNIVERSAL ELECTRONIC COUPON CARD - The present invention relates to consumer coupons, and more specifically to an electronic coupon card and system for managing coupon distribution and redemption. The instant invention provides a system and method of securely managing an electronic coupon database which implements and manages discounts for customers without requiring the customer to actively seek out, download and/or print the coupon. Additionally, the instant invention provides a system and method for managing electronic coupon discounts and payments to retailers for redeeming electronic coupons. | 2013-09-05 |
| 20130231998 | SYSTEM AND METHOD FOR ADVERTISING UTILIZING GIVEAWAYS - The invention is a novel, effective, and affordable way of advertising (the “System”, or the “Invention”) through the use, at least in part, of periodic giveaways offered by Businesses to Consumers. The Invention provides a system and means for enabling a business entity (“Business”) to promote its name, products, special offers, and other information relative to the business to the consumers who utilize the invention (“Consumer”). Both the Businesses and the Consumers who utilize the invention must provide certain information about themselves (“Register”). The information provided by the Businesses and Consumers who Register is stored in a Business Information Data Base (BIDB) and Consumer Information Data Base (CIDB) respectively. The information stored in the databases of the System is then usable to perform data mining and analysis to determine specific metrics advantageous to the Business, the Consumer, the Service Provider, or other entities or persons. | 2013-09-05 |
| 20130231999 | METHOD AND APPARATUS FOR PERSONALIZED MARKETING - The system provides personalized marketing combined with the satisfaction of gamified applications and playing games, which provides a unique offer presentation entertainment solution with the computer implemented capacity to personalize offers. The system includes a learning module that collects data and behavioral information from each user and customizes advertising, offers, and even application utility/play for the user. Over time, the system provides interaction with the user that provides consumer opportunities that are more likely to be accepted by the user. | 2013-09-05 |
| 20130232000 | MONITORING ADVERTISEMENT IMPRESSIONS - A targeted in-game advertising system is provided where advertising content may be delivered to a video game network environment. Advertisements may be delivered through the tagging of advertising assets in the video game environment according to one or more characteristics including user geographical location, personal preferences, a personal profile, video game preferences or video game genre. Methodologies for tracking advertising impressions are also provided based on monitoring the video game environment to determine the quality of impression to which the user is exposed in the video game environment. | 2013-09-05 |
| 20130232001 | MONITORING ADVERTISEMENT IMPRESSIONS - A targeted in-game advertising system is provided where advertising content may be delivered to a video game network environment. Advertisements may be delivered through the tagging of advertising assets in the video game environment according to one or more characteristics including user geographical location, personal preferences, a personal profile, video game preferences or video game genre. Methodologies for tracking advertising impressions are also provided based on monitoring the video game environment to determine the quality of impression to which the user is exposed in the video game environment. | 2013-09-05 |
| 20130232002 | System and Method for Managing Requests for Service - A present invention embodiment provides a system for connecting service seekers with service providers in order for the service providers to perform a desired service. The system handles service requests and comprises a computer system including at least one processor. The system receives one or more service requests from service seekers requesting performance of a service. Service providers that provide the requested services are identified based on at least the current location of the service providers relative to the location for performing the requested service. The system further facilitates communication between the service seekers and the identified service providers. Embodiments of the present invention further include a method and computer program product for handling service requests in substantially the same manner described above. | 2013-09-05 |
| 20130232003 | ADVERTISEMENT SYSTEM USING MOTION DETECT ILLUMINATION - An advertisement system capable of providing an effective advertisement message by attracting the public's attention and increasing the recognition of the advertisement product is shown. The advertisement system includes motion detect sensors disposed at regular intervals along a railing of a structure to detect pedestrian motion, control parts respectively connected to each of the motion detect sensors, each control part receiving a motion detect signal from the associated motion detect sensor that detects the pedestrian motion, and an advertisement module connected to the control parts to display phrases along a longitudinal direction of the railing, the advertisement module providing an illumination to an advertisement phrase or a public service phrase that is near the pedestrian by control of a control part having received the motion detect signal from the motion detect sensor to guide the pedestrian's attention to the advertisement phrases or the public service phrases. | 2013-09-05 |
| 20130232004 | RETAILER DEBIT CARD SYSTEM - A method of processing a purchase transaction for one or more items includes receiving, at a central computing network, MICR information associated with a financial account of a customer. The central computing network includes a solicitation processor and a comprehensive negative check file. The method further includes using the solicitation processor to determine whether to solicit the customer to apply for a financial transaction card including determining if any of a plurality of predefined reasons exist not to solicit the customer, wherein one of the plurality of predefined reasons includes if the MICR information associated with the financial account of the customer matches MICR information of a check listed in the comprehensive negative check file, if any of the plurality of predefined reasons exist, deciding not to solicit the customer, and if none of the plurality of predefined reasons exist, deciding to solicit the customer. | 2013-09-05 |
| 20130232005 | E-BOOK ADVERTISEMENT SYSTEM, E-BOOK ADVERTISEMENT METHOD, CLIENT DEVICE, ADVERTISEMENT-PROVISION DEVICE, PROGRAM, INFORMATION-RECORDING MEDIUM, AND E-BOOK UPDATE SYSTEM - In order to update advertisements in an e-book based on contents which a user has browsed and has paid attention to in the e-book, a client device ( | 2013-09-05 |
| 20130232006 | Filtered Search Query Data for Context and User Intent within a Location-Based Search Engine - A single search system that returns relevant search results for a user search query by identifying user intent and context implied therein. The inventive system supports POI and address searches initiated from a single search box only. Search query data is input in to a single search box on a single search client to initiate a search for an arbitrary piece of data. Meta-data concerning a nature of a search is not provided to the single search system. A search servlet on a single search server uses an ordered series of filter methods to progressively extract specific aspects of user intent from a freeform search query, and accumulate intent information within a context shared by all filters. The single search system determines a data corpus to search based on context provided in a user search query. Relevant search results are returned to the single search client in a search response. | 2013-09-05 |
| 20130232007 | MOBILE DEVICE CLUSTER ADVERTISEMENT DELIVERY - Systems and computer program products provide advertisement delivery to a cluster of mobile devices with computer readable program code, when read by a processor, configured for identification based at least in part on a relative displacement of the two or more mobile devices during a period of time being less than a maximum relative displacement. The code is further configured for displaying an advertising message on each mobile device in the cluster. | 2013-09-05 |
| 20130232008 | ADVERTISING ON MOBILE DEVICES - Techniques and systems for advertising on mobile devices allow advertisements to be presented on a mobile device during delay periods caused by wireless data communications. An advertisement may initially be stored on a mobile device. Subsequently, when a wireless data communication involving the mobile device is initiated, the advertisement may be presented on the mobile device during at least a portion of the wireless data communication. | 2013-09-05 |
| 20130232009 | BROWSING AND QUALITY OF SERVICE FEATURES - Embodiments are configured to provide browsing and other functionality that can be used to provide viewable data based in part on a current viewable space of a browser interface, but the embodiments are not so limited. In an embodiment, components of a system can operate to communicate viewable data to a browser engine based in part on a configuration of the browser engine and/or a display architecture. In one embodiment, a computing device includes a browser application that can be used to provide data associated with viewable portions of a browser display, wherein the provided data can be used to monetize advertising revenue according to monetization and/or advertising requirements. | 2013-09-05 |
| 20130232010 | MOBILE DEVICE CLUSTER ADVERTISEMENT DELIVERY - Methods provide advertisement delivery to a cluster of mobile devices with computer readable program code, when read by a processor, configured for identifying, among a plurality of mobile devices associated with a network, a cluster of two or more mobile devices. The identification may be based at least in part on a relative displacement of the two or more mobile devices during a period of time being less than a maximum relative displacement. The methods may further include displaying an advertising message on each mobile device in the cluster. | 2013-09-05 |
| 20130232011 | RELEVANT CONTENT DELIVERY - Various arrangements for delivery of relevant content to a mobile device of a user are presented. Physiological state data and image data related to the user of the mobile device may be received by a host computer system from a mobile device. The image data may be analyzed to identify a characteristic of the image. The physiological state data may also be analyzed. Content to deliver to the mobile device of the user may be selected at least partially based on the physiological state data of the user and the characteristic of the image. The content may be transmitted to the mobile device. | 2013-09-05 |
| 20130232012 | TARGETING ADVERTISEMENTS TO GROUPS OF SOCIAL NETWORKING SYSTEM USERS - Embodiments of the present disclosure target advertising to a group of related users of a social networking system. To target advertising to a group of users, the social networking system receives targeting criteria specifying a group to receive an advertisement at substantially the same time. To identify a group of users of the social networking system satisfying the targeting criteria, the social networking system observes the interactions of connected social networking system users. Connected users interacting with each other in a manner that satisfies the targeting criteria may be added to a group. The social networking system serves the advertisement to a set of users included in the group because the served users are members of the group. | 2013-09-05 |
| 20130232013 | Apparatus and Method for Facilitating Personalized Marketing Campaign Design - Embodiments of the disclosure simplify the design process by drawing inferences based on data input by the user and making design suggestions to the user. In accordance with one aspect of the present disclosure, apparatus are provided that assist users in the design of a personalized marketing campaign. A user interface is disclosed that allows the user to input data and receive information. A personalized marketing campaign knowledge database is disclosed that contains data encoding concepts extracted from complete personalized marketing campaigns and semantic definitions of those concepts. A semantic inference engine is also disclosed which draws inferences based on a comparison of the semantics of the data entered by the at least one user and the semantic definitions of the concepts encoded in the knowledge database, and communicates those inferences to the at least one user to assist the user in construction of the marketing campaign. | 2013-09-05 |
| 20130232014 | SYSTEMS AND METHODS FOR IMPROVING BUSINESS VISIBILITY ON INTERNET SEARCH ENGINE RESULTS PAGES - Computerized systems and methods for marketing a business or company on the Internet and for optimizing and improving the business's or company's visibility on search results pages of conventional Internet search engines. The system and method including modules configured to allow the business or company to create an Engagement Site, create and send electronic communications to customers and prospective customers, and publish and store electronic communications on the Engagement Site. | 2013-09-05 |
| 20130232015 | ADVERTISEMENT DISTRIBUTION SYSTEM - A terminal communicating with a server includes an output unit for outputting information received through a communication line, an information accepting unit for accepting information related to the terminal, and an advertisement request unit for transmitting an advertisement request including the information related to the terminal to the server. The server includes an advertisement storage unit for storing beforehand advertisement information and information corresponding to each advertisement information that is related to a terminal as a distribution target of the advertisement information. The information related to the terminal indicates market information that designates a sales channel of the terminal. The server reads out the advertisement information corresponding to the information related to the terminal in the received advertisement request from the advertisement storage unit and transmits the read advertisement information to the terminal. | 2013-09-05 |
| 20130232016 | MULTI-VENDOR TICKET REDEMPTION SYSTEM - A system for redemption ticket exchange with connected vending machines, comprising a selector designating a chosen vending machine from which to obtain an item, a ticket counter for receiving tickets and counting the tickets; a processor for keeping a count of the tickets, and generating a signal when the count reaches a predetermined number, a pulse generator for sending a pulse to the chosen vending machine when the count reaches a predetermined number, the pulse corresponding to an exchange value that can be used to redeem the item, and a printer for printing a receipt for tickets that do not total the predetermined number. | 2013-09-05 |
| 20130232017 | DEVICE, SYSTEM, AND METHOD OF ELECTRONIC PAYMENT - The present invention includes device, system, and method of electronic payment. An operator server may transmit, to a smartphone or other portable wireless device of a patron, a unique time-sensitive and location-based code. The unique code may be used to create an ad-hoc linkage or association between the smartphone of the consumer, and a purchase tab of that patron at an establishment or merchant store. The patron may then utilize his smartphone in order to autonomously close his purchase tab at the establishment, and in order to perform remote electronic payment for the purchase tab to the establishment, without requiring involvement or assistant from waiters or establishment personnel. | 2013-09-05 |
| 20130232018 | METHOD AND SYSTEM FOR ENGAGING IN A TRANSACTION BETWEEN A CONSUMER AND A MERCHANT - Disclosed is a method for engaging in a transaction between a consumer and a merchant. In particular, the present invention is directed to a method and system for providing instant credit by a credit issuer to the consumer at a point-of-sale of the merchant. In addition, the present invention is directed to a method and system for identifying at least one optimal credit product from a plurality of credit products of at least one credit issuer to a consumer. | 2013-09-05 |
| 20130232019 | FUEL PURCHASE TRANSACTION METHOD AND SYSTEM - A mobile device, such as a vehicle telematics system or a smartphone, is used to facilitate a fuel purchase transaction providing a multi-stage authorization process. In a first stage, an account code is provided wirelessly to a fuel station receiver by the mobile device from within the vehicle to prevent using the electrically-powered mobile device at or near the fueling area. The status of the account is checked using a computer. In a second stage, a personal identification number (PIN) corresponding to the account is entered on a display screen/key pad at the fuel dispensing pump proximal to the vehicle to be fueled. The PIN is confirmed to enable the fuel dispensing pump. After fuel is dispensed to the vehicle, the computer debits the account in the amount of the fuel purchase. A software application on the mobile device is used to initiate the fuel purchase transaction. | 2013-09-05 |
| 20130232020 | METHOD FOR PREVENTING ILLEGAL RELOCATION AND COMMUNICATION RETRANSMISSION AND DEVICE THEREOF - A method for preventing illegal relocation and communication retransmission includes a fixed terminal arranged in an electronic equipment service area and a movable terminal arranged in the electronic equipment. The movable terminal accesses to and is registered with the fixed terminal to be bound with the same, in-place confirming communication is carried out between the movable and fixed terminals regularly or irregularly, the fixed terminal judges whether the movable terminal is located in a limited service area according to the communication transmission time, the movable terminal is not located in the limited service area and stops working and/or sends an alarm if the difference between the communication transmission time and the preset time value is larger than the set range and contrarily works normally. The defect that service areas of terminals of the electronic equipment cannot be limited in the prior art is effectively overcome by the present invention. | 2013-09-05 |
| 20130232021 | SYSTEM AND METHOD FOR DIFFERENTIAL WEIGHING OF ITEMS AND REUSABLE CONTAINER FOR USE THEREWITH - A differential weighing method for determining the weight of an item or a group of like items that must be weighed, and a reusable container for use in the differential weighing process. The reusable container may be, for example, a reusable basket or bag. The reusable container is sized to fit on the load receiving surface of the differential weighing scale or is equipped with a series of bottom locating projections that contact the load receiving surface and transfer the weight of the container and its contents thereto when the container sits on the scale. The scale is adapted for differential weighing, whereby the scale will report the weight of an item or group of like items that are removed from the reusable container as a positive net weight. | 2013-09-05 |
| 20130232022 | SYSTEM AND METHOD FOR RATING ONLINE OFFERED INFORMATION - A system for rating online offered information that includes central control unit, at least one client unit of at least one seller, and a knowledge (web) site, and is configured to receive via the knowledge site a question stated by a buyer, and to post the question on the knowledge site and optionally on the at least one client unit of the at least one seller, the at least one client unit is configured to analyse a drafted answer of the seller by use of data mining prior to publication of the answer and to send its analysis result to the central control unit which is further configured to process the analysis result and to communicate the processed analysis result to the buyer and to publish the answer to the buyer in case that the buyer accepts the answer based on the processed analysis result. | 2013-09-05 |
| 20130232023 | Systems and methods to process online monetary payments dependenton conditional triggers involving future events for online auctions and online trading exchanges involving stock exchange, commodity exchange, foreign exchange, sporting exchange, gaming exchange, file sharing exchange, andother types of online peer-to-peer exchange. - The present invention is a system to process online monetary payments between end-users whose payments are dependent on conditional triggers involving future events, such as winning bids/offers in online auctions and online trading exchanges. These methods allow end-users of online auctions and online trading exchanges to send and receive payments directly to one another via online payment processors, without the online auction or online trading exchange becoming involved in payment collection. In the system, bids and offers are backed by actual funds held in reserve, or held in a queue, enabling instantaneous payments upon the close of an event. Thus, a user's winning bid instantly triggers a payment. The auction or trading exchange is not involved as a third party collector of funds, auction sellers avoids overdue, delinquent, and/or abandoned payments, and exchange traders receive instant account settlements. The system contains methods that become the basis for online payment processor applications, online auction software applications, and online trading exchange software applications. The system also contains methods that are to be included in standalone software applications or software application modules that interact with online payment processor applications, online auction software applications, and online trading exchange software applications. A trading exchange as defined in the system is either a stock exchange, commodity exchange, foreign exchange, sporting exchange, gaming exchange, file sharing exchange, or other generic form of online person-to-person exchange. | 2013-09-05 |
| 20130232024 | Live Online Auction - An auction system and software are provided for performing a live, real-time auction over the internet. The auction software includes a graphical user interface for an auctioneer to administer various functions of the auction. The auction software also includes a graphical user interface for a bidder to allow participation and bidding for various auction items. | 2013-09-05 |
| 20130232025 | METHOD, SYSTEM AND APPARATUS FOR MANAGING A BID TRACKING DATABASE - Method and system to manage a bid tracking database are disclosed herein. At least one bid record is received at an interface, the at least one bid record comprising a bid price, a bid timestamp, and a bid item identifier. Receiving at least one auction record at the interface, the at least one auction record comprising a winning price, an end timestamp, and an auction item identifier corresponding to the bid item identifier. Maintaining the at least one bid record and the at least one auction record in a memory. Determining whether the bid price matches or exceeds the winning price and whether the bid timestamp matches the end timestamp. When the determination is affirmative, writing the bid record to the bid tracking database maintained in the memory. | 2013-09-05 |
| 20130232026 | SYSTEM AND METHOD FOR MEASUREMENT BASED DESIGN SELECTION - A system and method for applications that include a hierarchical selection system enabling efficient user selection of parameters while allowing for continuous progression through selection steps. | 2013-09-05 |
| 20130232027 | Fleet Purchase Planner - A system and method for generating a vehicle fleet configuration for purchase, replacement, and/or deployment of vehicles include an input device configured to receive user input indicative of a number of vehicles to purchase and at least one fleet operational parameter target. A computer in communication with the input device and a database having emissions and fuel economy information for a plurality of available vehicle models and associated powertrain configurations is configured to generate a recommended number of vehicles for each of the available vehicle models with associated powertrain configurations to satisfy the number of vehicles to purchase, wherein the operational parameters associated with the number of vehicles satisfy at least one fleet operational parameter target, which may include one of minimizing cost or minimizing emissions, for example. | 2013-09-05 |
| 20130232028 | UTILIZING EMPTY SHIPPING CONTAINER SPACE AS A SELLING OPPORTUNITY - Embodiments of the invention may provide the ability to leverage product dimensions and weight to offer promotional items that will fit in the box that is already required to ship customer-selected items. | 2013-09-05 |
| 20130232029 | Systems and Methods for Providing In-Vehicle Communication with a Vendor - A vehicle may communicate with a vendor interaction system of a vendor. The vehicle includes network interface hardware, a processor communicatively coupled to the network interface hardware, and at least one display communicatively coupled to the at least one processor. The processor executes logic to establish a communication link with the vendor interaction system, receive, with the network interface hardware, a vendor data signal from the vendor interaction system, the vendor data signal indicative of vendor information, receive, with the network interface hardware, a user preference data signal indicative of user order preferences for the vendor, display at least one of the user order preferences and the vendor information on the at least one display, and display an order prompt requesting a user to make an order selection from at least one of the vendor information or the user order preferences displayed on the at least one display. | 2013-09-05 |
| 20130232030 | SOCIALLY-INTERACTIVE CAUSE PLATFORM AND METHOD OF USE - A socially-interactive cause platform for multiple users and multiple causes accessible via an internet-accessible computing device, including a log-in initiator to present an optional security challenge and direct the multiple users to the socially-interactive cause platform from an internet-accessible computing device; the multiple users including a cause-creating user and a cause-following user; a cause creator to allow the cause-creating user to create a specific cause within the socially-interactive cause platform; an action coordinator to establish one or more action initiators defined by the cause-creating user in connection with the specific cause for distribution to the cause-following user; and a search engine to allow the cause-following user to search or otherwise make themselves aware of the multiple causes, and if elected, join the specific cause created by the cause-creating user and receive the one or more action initiators from the action coordinator. | 2013-09-05 |
| 20130232031 | Bargaining System to Induce Truthful Revelation of Reservation Prices - Systems and methods for facilitating agreement between a first party and a second party. Each party may provide a reservation price and an offer price. Overlap between the information provided by the parties is utilized to determine a settlement price. | 2013-09-05 |
| 20130232032 | Methods and Systems for Performing Mobile Collections - Methods and systems for performing mobile collections utilize computer hardware and software for receiving delivery information including, for example, an agent identifier, a delivery identifier and details of a scheduled delivery, and a buyer identifier. Upon receiving the delivery identifier and a submit request from a communication device of the agent, an authorization request is sent to a communication device of the buyer. On receiving the buyer identifier and an authorization response from the communication device of buyer, a settlement request for the delivery is sent to a banking network. Thereafter, payment for the delivery is received in an account of the supplier. | 2013-09-05 |
| 20130232033 | BILLING SUPPORT IN A MEDIA EXCHANGE NETWORK - A system providing billing support for the exchange of media is disclosed. An embodiment of the present invention may provide for the authorization of and billing for the delivery of media from a media server to local storage for consumption on a television display. The media may be audio, still pictures, video, or data. Other embodiments may provide for the authorization of and billing for the transfer of media from a media peripheral to a media server for media backup or distribution. A media peripheral may be, for example, a digital camera, digital camcorder, personal computer (PC), personal digital assistant (PDA), multi-media gateway, and MP3 player. An embodiment may support pre-payment, payment at time of use, and post-use billing for the media exchange. In an embodiment of the present invention, the storing or accessing of media may be performed without identifying the user to the media server. | 2013-09-05 |
| 20130232034 | COORDINATE SUPPORTING SYSTEM, COORDINATE SUPPORTING APPARATUS AND COORDINATE SUPPORTING METHOD - A coordinate supporting apparatus comprises a determination section configured to determine whether or not there is a combination of commodities realizing a given coordinate pattern according to the data of the commodities purchased by a customer and a storage section configured to accumulatively store the data of the combination of commodities in association with a customer feature data relating to preferences of the customer who purchases commodities of the combination if the determination section determines that there is a combination of commodities realizing the given coordinate pattern. | 2013-09-05 |
| 20130232035 | SYSTEM AND METHOD FOR PROVIDING INTEGRATED ELECTRONIC COMMERCE MARKETPLACE AND SETTLEMENT FUNCTIONALITY - A method for facilitating a market transaction includes: storing, in a database, a plurality of quote data entries, wherein each quote data entry includes data related to a supplier quote for goods or services and is associated with a supplier; receiving, by a receiving device, a purchase order for goods or services, wherein the purchase order identifies a supplier; transmitting, by a transmitting device, the purchase order to the supplier identified in the purchase order; receiving, by the receiving device, an invoice corresponding to the purchase order; identifying, by a processing device, a virtual payment number; and transmitting, by the transmitting device, the virtual payment number to the supplier for funding of a financial transaction based on the invoice. | 2013-09-05 |
| 20130232036 | Purchase Order Amendment and Negotiation in a Full Service Trade System - The present invention provides a comprehensive, integrated, computerized system for facilitating transactions in goods or services. The system is capable of facilitating transactions from early or initial stages, such as an electronically proposed purchase order, through to later or final stages, such as payment on an invoice or invoices relating to the transaction. The system is integrated to include the participation of various providers of services ancillary to transactions, such as guarantors, insurers, and shippers. | 2013-09-05 |
| 20130232037 | TECHNIQUES FOR PERSONALIZING SELF CHECKOUTS - A customer/user registers User Interface (UI) preferences for a self checkout system. Subsequently, when the user properly authenticates with a self checkout system, the preferences are recalled and used to dynamically configure the UI of the self checkout system that the user is interacting with to complete a transaction with an enterprise. | 2013-09-05 |
| 20130232038 | CONTENT PURCHASING - In one implementation, a computer-implemented method includes receiving, at a computing device and from a computer server system, digital content that is for sale and that is received without having yet been purchased by a user of the computing device; storing the digital content locally on the computing device in a manner that prohibits user access to the digital content; after storing the digital content: receiving user input that indicates the user is purchasing at least a portion of the stored digital content; and in response to the received user input, storing information that indicates the user purchased the portion of the digital content and providing the user with access to the purchased portion of the digital content; and in response to detecting that the computing device is communicatively connected to the computer server system over a network, providing the stored information to the computer server system. | 2013-09-05 |
| 20130232039 | IMAGE-BASED INVENTORY CONTROL SYSTEM - Inventory control systems for monitoring the removal and replacement of objects are described. An exemplary system includes at least one storage drawer, each storage drawer includes at least one storage location for storing objects, and configured to move in a first direction allowing increasing access to storage locations of the drawer, and a second direction allowing decreasing access to storage locations of the drawer. An image sensing device is provided to form at least one first image of the storage locations when a respective storage drawer moves in the second direction. The system includes a data processor configured to receive information representing images of the storage locations generated by the image sensing device, and determine an inventory condition of the objects stored in the respective storage drawer according to the at least one first image. | 2013-09-05 |
| 20130232040 | Expense Report System With Receipt Image Processing - A system and method for generating expense data for an expense report is disclosed. The method includes receiving receipt data that includes one or more data items pertaining to a transaction, where the one or more data items are obtained from characters optically recognized in receipt image data for the transaction, and the receipt data includes data indicating whether the transaction is a credit card transaction or a cash transaction. The method further includes, if the receipt data indicates the transaction is a credit card transaction, creating expense data for the expense report, where the expense data includes the receipt data and the receipt image data associated with the receipt data for the transaction, and the receipt data includes credit card data. If the transaction indicates the transaction is a personal credit card transaction, then the credit card data is personal credit card data. | 2013-09-05 |
| 20130232041 | Expense Report System With Receipt Image Processing By Delegates - A system and method are disclosed in an automated expense report system for identifying a delegated user and granting to the user delegate rights. At least one granted right includes one or more permissions to carry out certain operations in the expense report system such as permission to create an expense report, permission to access receipt data, permission to approve an expense report, or permission to view an expense report. At least one permission is associated with one or more workflows by which the operations are carried out. In one embodiment, data that identifies delegates is sent to an image capture device coupled to the expense report system and a delegated user carries out operations in the expense report system from the image capture device. In one embodiment, the expense report system keeps a database of the users and those delegating persons for whom a user is permitted to act. | 2013-09-05 |
| 20130232042 | SYSTEM AND METHOD FOR COMPUTER-IMPLEMENTED ACCOUNTING SERVICES PROVIDED USING CLOUD RESOURCES - A system, computer program and method is provided for providing computer-implemented accounting services is provided. The system includes an external cloud based computing environment that is operable to provide access to one or more subscribers to one or more computer-implemented accounting or bookkeeping services. The cloud based computing environment being operable to enable (A) the capture of financial information from multiple sources including based on captured user interactions relative to financial information capture and/or business processes based on analysis of such captured user interactions, (B) the processing of the financial information based on at least one accounting utility to provide accounting information or bookkeeping information, (C) store the accounting information for access by the appropriate subscriber or subscriber designee, and (D) enable access to the accounting information for accounting, business management, and/or financial purposes on an on demand basis via one or more permitted network connected devices. | 2013-09-05 |
| 20130232043 | Systems and Methods of Processing and Classifying a Financial Transaction - The present disclosure generally provides systems and methods of classifying financial transactions. In one embodiment, the present disclosure may generally include a system of classifying financial transactions. The system may include a processor coupled to a database. The processor may be programmed to receive transaction information and a source document associated with a financial transaction. The transaction information and source data associated with the source document may be stored in the database. The stored transaction information and the source data may be retrieved from the database and may form a basis for a determination of a code associated with the financial transaction. | 2013-09-05 |
| 20130232044 | No Preset Spending Limit Analysis System and Method - Embodiments of the invention relates to a methodology consisting of using active account management to segment a portfolio with internal behavior score bands and a number of key performance metrics. In one potential embodiment, a server computer receives a set of data for NPSL accounts and identifies a risk for each account in the plurality of accounts. Accounts may then be grouped, and adjustments made in an ongoing basis to groups of accounts within the portfolio based on updated risk and use status. | 2013-09-05 |
| 20130232045 | Automatic Detection Of Fraud And Error Using A Vector-Cluster Model - One or more computers retrieve records of transactions to be analyzed together. Each record identifies a date of a transaction, an amount of the transaction, a person associated with the transaction, and a category into which the transaction is classified. The one or more computers automatically prepare in computer memory, a set of tuples (also called “vectors”) corresponding to a set of persons identified in the retrieved records. Each tuple corresponds to one person, and each tuple includes at least one number representing a count within each category, of transactions classified therein, e.g. total number of cash transactions in category X. Then, the one or more computers automatically identify a subset of outliers, e.g. by grouping the tuples into clusters using k-means clustering, followed by marking in memory an indication of inappropriateness of any transaction that had been included in the count of a tuple now identified to be outlier. | 2013-09-05 |
| 20130232046 | SYSTEM AND METHOD FOR DEFAULT PAYMENT SETTING - A consumer accesses a secure area of a transaction account website and provides their login information for retail websites. The transaction account issuer or a third party creates a script that logs in to the retail websites on behalf of the consumer and transmits transaction account information associated with the transaction account. The script sets the transaction account as the default payment method for the retail website. The transaction account information may be evergreen, such that whenever the transaction account information changes, the script updates the retail websites. | 2013-09-05 |
| 20130232047 | METHODS AND APPARATUS RELATED TO PRODUCING A HOUSEHOLD ECONOMIC FORECAST - In one general aspect, a non-transitory computer-readable storage medium can be configured to store instructions that when executed cause a processor to perform a process. The process can include receiving, at a first economic conversion block, a first set of parameter values associated with a user identifier, and receiving, at a second economic conversion block, a second set of parameter values associated with the user identifier. The first economic conversion block and the second economic conversion block can be included in a library of conversion blocks. The first economic conversion block and the second economic conversion block can be selected from a library of economic conversion blocks and defining an economic unit. | 2013-09-05 |
| 20130232048 | TRANSFERRING CREDITS FROM A CARRIER ACCOUNT - A stored value in a consumer account is increased by transferring credits from a carrier computer system. Credits are retrieved from the carrier computer system and transmitted to a consumer device. The consumer selects how many credits to transfer and the credits are converted to a credit amount using an exchange rate. The stored value is then increased by the credit amount and the carrier computer system is notified of the transfer. | 2013-09-05 |
| 20130232049 | Rate of Return Stops and Capital Return Transactions - A method and system for managing and selling investments via electronic means. An investor can establish sell order criteria based upon a preset desired rate of return. The broker thereby monitors the investment and automatically sells it on behalf of the investor once the prescribed sell order criteria are met. The investor can effectively lock in a rate of return prior to its sale without monitoring. Also provided is a method and system for returning to the investor a portion of the initial investment. Once the investment reaches a predetermined value, three simultaneous events occur. A portion or all the initial invested capital is returned to the investor for purposes of reinvestment. The investment instrument is transferred to the broker as collateral, given that its value appreciated relative to the initial purchase amount. Yet the investor still owns the “rights” to the capital appreciation for the life of the investment. | 2013-09-05 |
| 20130232050 | METHOD AND SYSTEM FOR CREATING AND FACILITATING THE TRADING OF A FINANCIAL PRODUCT - A method and system for intra-period estimation of index value includes the steps of providing an intra-period estimation of index value software program in a computer readable medium that is maintained in a host computer. Information is received concerning a financial investment from a data contributor, and the information includes data reported on a predetermined basis. A value is determined for each financial investment using the information. Additional information concerning the financial investment is received that includes observable data regarding each financial investment. An intra-period index is calculated using the additional information that is used in valuation of the financial activity. | 2013-09-05 |
| 20130232051 | Cross-Currency Implied Spreads - The disclosed systems and methods relate to allowing trading of over the counter (“OTC”) foreign exchange (“FX”) contracts on a centralized matching and clearing mechanism, such as that of the Chicago Mercantile Exchange's (“CME”'s) futures exchange system (the “Exchange”). The disclosed systems and methods allow for anonymous transactions, centralized clearing, efficient settlement and the provision of risk management/credit screening mechanisms to lower risk, reduce transaction costs and improve the liquidity in the FX market place. In particular, the disclosed embodiments increase speed of execution facilitating growing demand for algorithmic trading, increased price transparency, lower cost of trading, customer to customer trading, and automated asset allocations, recurring trades as well as clearing and settlement efficiencies. | 2013-09-05 |
| 20130232052 | PERIODIC RESET TOTAL RETURN INDEX FUTURES CONTRACTS - A periodic reset total return index may be based on a standard index, such as an equity index. The value of the periodic reset total return index may be the sum of the standard index plus the income flow generated by the index, such as dividends generated by stocks. The periodic reset total return index valuation may be deployed as the basis for a futures contract. On a periodic basis, the income flow accrued for the preceding period are passed from the short to the long position holder, with a corresponding adjustment of the settlement price of the contract. The expiration of the contract may be settled at the sum of the underlying index quotation plus the income flow accrual for the previous period. A buyer of a futures contract based on a periodic reset total return index receives the performance of the index plus the intervening income flow accrual. | 2013-09-05 |
| 20130232053 | FINANCIAL INSTRUMENT DISCOVERY, TRANSPARENCY, COMMUNICATION, AND TRADING FACILITATION - This disclosure allows parties to virtualize prospective and existing financial instruments (including derivative and other analogous complex financial instruments) and other data set into one or more computer software applications via a user authoring software toolkit, and to upload such one or more virtualized instrument to a cloud hosting environment (or analogous online storage ecosystem) for further sharing of such virtualized instruments with interested parties over a communications network where other market participants may engage with the cloud hosting environment and search for, download, and review such virtualized instruments. Further, the Disclosure allows for downloading parties and authors to communicate directly and to do such “peer to peer” communications on an anonymous, partially anonymous, or non-anonymous basis, and have such communications be secure and/or encrypted. | 2013-09-05 |
| 20130232054 | METHOD AND SYSTEM OF TRADING A STANDARDIZED CONTRACT - A system, method, and corresponding computer program product facilitates trading of a standardized contract. The terms of the contract may be such that it provides a payout from one party to the other based on the price, yield, level or other measure of an asset, basket, index, financial contract, other financial instrument or some economically significant variable observed at or around two specified times, both such times being after the time that the standardized contract is first available for trading. Alternatively, the terms of the contract may be such that it provides that one party has the right but not the obligation either to purchase or to sell some asset at a price which is determined at a first specified time, such right to be exercised at some time not later than the second specified time, both such times being after the time that the standardized contract is first available for trading. These and other related contracts are described. | 2013-09-05 |
| 20130232055 | Method and System for Providing Option Spread Indicative Quotes - A computer network and method for electronically trading combinations of derivatives. One preferred method of trading includes providing quotes information to a central server, and determining indicative quotes for combination trades, and providing the non-binding, indicative quotes to market participants (which typically includes subscribers, but may also include market makers). A participant may then submit an e-RFQ, which is a request for a binding quote for the combination of derivatives. Market Makers may then elect to submit a binding quote for the corresponding derivative combination. Market participants may then elect to enter a binding order. | 2013-09-05 |
| 20130232056 | SECURITIZATION OF SALES PARTICIPATION CERTIFICATES - The invention relates to financial products that provide a return that is a function of future sales/revenues, preferably gross sales/revenue, over a specified period of time. One embodiment of a method for creating such a financial product includes providing standard forms to an issuer and underwriter and standard terms to an issuer and investors. The terms to the issuer include providing capital to the issuer in exchange for a return that is a function of future sales over a specified period of time. The process further includes creating instruments representing investment in the financial product. The process creates the instruments in sufficient numbers and in appropriate denominations to facilitate trading in the financial product. | 2013-09-05 |
| 20130232057 | SYSTEM AND METHOD FOR FLEXIBLE SPREAD PARTICIPATION - A system and method for risk analysis of a portfolio of derivative products is disclosed which is conducted based on a set of flexible rules. The system and method allow creating predefined sets of products for the purpose of future risk offsets. If a futures trade as a subset of that set of products that met a threshold level, then the subset is assigned the offset value (or a pro rata or other portion of the offset value) of the predefined set. For example, assume that the predefined set consists of one S&P 500 futures, one NASDAQ futures, one S&P Midcap 400 futures and one Russell 1000 futures and the threshold is three. If the futures trader holds any three of those four futures, the three futures can be grouped, assigned an offset value, and this group can be used as one asset for purpose of further risk offsets. | 2013-09-05 |
| 20130232058 | DETERMINATION OF IMPLIED ORDERS IN A TRADE MATCHING SYSTEM - A computer implemented method for determining implied orders in an electronic trading system is provided. The method comprises receiving a first set of one or more real orders, wherein the orders are not tradable against each other. One or more implied orders are identified within the first set of real orders. Market data corresponding to the implied orders can also be identified. At least one additional order is received and the tradability of the additional order is determined against the real or implied orders within the first set of real orders. A resting set of orders is determined from those real and implied orders within the first set of orders not affected by the tradability of the additional order. Implied orders are determined from within the set of resting orders. | 2013-09-05 |
| 20130232059 | USING A TRANSACTION CARD ACCOUNT TO MAKE RECURRING LOAN PAYMENTS - Recurring loan payments (e.g., mortgage payments) through a transaction card account is disclosed. Information is received at a transaction account system from a loan company system corresponding to an application received at the loan company system from a requester for a loan involving automatic debits to a transaction card account. A determination is made as to whether the requestor is eligible for the loan to be associated with a transaction card account. If not, the customer receives a communication of rejection. If eligible, a determination is made whether the transaction account system has stored therein a transaction card account of the requestor. If no, a transaction card account is opened for the requestor and associated with the loan. If yes, the loan payment is associated with the transaction card account bill. | 2013-09-05 |
| 20130232060 | PURCHASING, REDEMPTION AND SETTLEMENT SYSTEMS AND METHODS WHEREIN A BUYER TAKES POSSESSION AT A RETAILER OF A PRODUCT PURCHASED USING A COMMUNICATION NETWORK - Purchasing, redemption and settlement systems and methods are provided to communicate with a buyer to establish a first price for a product. The purchasing system may also arrange for the buyer to take possession of the product at a retailer, different from the seller, that offers the product for sale at a second price. The buyer provides a payment, based on the first price, to the purchasing system in exchange for the right to take possession of the product at the retailer. The purchasing system transmits redemption information to the buyer. The redemption information may include information that enables the creation of a voucher to be used when taking possession of the product. The purchasing system may also receive information related to an attempt by the buyer to take possession of the product from the retailer. | 2013-09-05 |
