37th week of 2014 patent applcation highlights part 76 |
Patent application number | Title | Published |
20140258074 | Zero Coupon Conversion Factor Calculation - The disclosed embodiments relate to a system which calculates a conversion factor (CF) based upon a zero percent (0%) futures contract standard. The zero percent futures contract standard may be used in the context of futures or forwards based upon coupon bearing debt securities including Treasuries, Treasury Inflation Protected Securities (TIPS), agencies, corporates, municipals, or any fixed income security. The system also facilitates listing, trading, and settlement of an interest rate futures contract that sets forth such a zero percent futures contract standard. The system may be configured for both interest rate futures contracts utilizing a nonzero percent futures contract standard and interest rate futures contract utilizing a zero percent futures contract standard. The system may be configured to calculate an invoice amount for the interest rate futures contract to be paid in exchange for the delivery of the one of the set of eligible interest rate or debt securities and instruments. | 2014-09-11 |
20140258075 | SYSTEM AND METHODS FOR MONITORING CREDIT OF TRADING COUNTERPARTIES - Systems and methods are provided which monitor trades entered into and cleared by counterparties, track the net and gross positions of counterparties and the counterparties' parent entities, trigger warnings when counterparties or their parent entities exceed a warning limit, and shut-off counterparties' trading ability when counterparties exceed a credit limit. An operator of a credit system using these systems and methods is provided with a variety of interfaces through which the operator can set up new counterparties, search a list of counterparties, view and edit basic information for counterparties, view financial information for counterparties, view and edit notes regarding to counterparties, view and edit limits of counterparties, view position versus limit information for counterparties, view the current day's position information for counterparties, and view cumulative position information for counterparties. | 2014-09-11 |
20140258076 | Syndication Loan Administration and Processing System - A loan syndication tracking and management system and method provides a user with access to specific details related to a syndicated loan. The system and method coordinates investor, borrower and resource information, in addition to features related to the overall structure of a syndicated loan. Users access the system with various levels of permissions to view, add, update or delete information according to their allotted permissions. The system permits multiple users to access the information for efficient handling of approvals and requests related to multiple investors and borrowers, in addition to handling institution interchanges and notifications. The system and method keeps a record of all transactions and changes for review, reporting or regulatory purposes. The administration of a syndicated loan transaction is simplified while providing advanced features such as support for loan trading. | 2014-09-11 |
20140258077 | SYSTEM AND METHOD FOR PERFORMING AUTOMATIC SPREAD TRADING - The present embodiments are provided to facilitate the automatic trading of spreads in a fast and accurate manner. One or more market data feeds that contain market information for tradable objects are received at an exchange. A spread data feed is generated in response to the market data feeds and from one or more spread setting parameters, which can be entered by a user. The spread data feed is preferably displayed in a spread window as bid and ask quantities associated with an axis or scale of prices. The user can enter orders in the spread window and the legs will be automatically worked to achieve, or attempt to achieve, the spread. In addition, other tools disclosed herein may be utilized to assist the user in making such trades. | 2014-09-11 |
20140258078 | CONTROLLING TRADERS FROM MANIPULATING ELECTRONIC TRADING MARKETS - Systems and methods are provided to control gaming in electronic trading markets. These systems and methods alleviate the problem of a seller or buyer trying to act on a trader's original bid or offer only to trade at an unfavorable level after the trader changes the bid or offer. A pricing method suspends trading for a period of time if a price difference between two bids or offers by the same trader is too great. A timing method prevents a trader from canceling or replacing a bid or offer for a period of time. These methods provide a more fair and efficient way of executing electronic trades. | 2014-09-11 |
20140258079 | System and Method for Automatic Scalping a Tradeable Object in an Electronic Trading Environment - A system and methods for automatic scalping in an electronic trading environment are presented. According to one embodiment, a trading application may display an indicator associated with a price level based on which a tradable object can be automatically traded. When a scalping application detects a fill associated with a first order, the scalping application may automatically enter a second order to offset a position created with the first order. According to one embodiment, the second order is automatically placed on the market when the inside market moves to a predetermined price level in relation to the displayed indicator. | 2014-09-11 |
20140258080 | METHOD AND SYSTEM FOR TRADING OPTIONS - Device, system and method of trading an option. A method may include executing, by a computing device, at least one transaction of an option on an underlying asset using at least one of a bid price and an offer price, wherein a bid/offer spread between the bid price and offer price is the result of a calculation using first data corresponding to at least one parameter defining the option and second data corresponding to at least one current market condition relating to the underlying asset. | 2014-09-11 |
20140258081 | INFORMATION PROCESSING APPARATUS, SERVER APPARATUS, POWER TRADING SETTLEMENT SYSTEM, SETTLEMENT METHOD FOR POWER TRADING, AND INFORMATION PROCESSING METHOD - Provided is an information processing apparatus including a read/write unit configured so as to be capable of reading, via contactless communication, electronic money information from an IC card capable of storing the electronic money information or an electronic appliance equipped with functions of the IC card and of writing the electronic money information into the IC card or the electronic appliance, and a settlement processing unit configured to write electronic money information of a fee in accordance with a power sale amount via the read/write unit into the IC card or the electronic appliance immediately after conclusion of a power sale contract. | 2014-09-11 |
20140258082 | CROSS BORDER COMPETENCIES TOOL - According to one embodiment, an apparatus may comprise a memory unit and a processing unit. The memory unit may store loan and tax regulations of a plurality of countries. The processing unit may receive a country designation and a currency designation. The processing unit may determine, based at least in part upon the loan regulations associated with the country designation, at least one service location that is allowed to service a loan according to the currency designation and the country designation. The processing unit may further determine, based at least in part upon the retrieved tax regulations associated with the country designation, a tax withholding on the loan. | 2014-09-11 |
20140258083 | SYSTEMS AND METHODS FOR MICROFINANCE CREDIT DATA PROCESSING AND REPORTING - Systems and methods are provided for processing microfinance-related credit data and generating credit reports based on the processed microfinance credit data. Payment status may be determined for each entry in a payment grid, which may correspond to a payment interval such as, for example, daily, weekly or monthly. Credit reports may be generated with selectable options enabling the user to view at least one other payment grid having entries corresponding to a different payment interval. | 2014-09-11 |
20140258084 | CREDIT REPAIR USER INTERFACE - A user interface that may be used to assist in the generation of a plan to improve a credit score of an individual. The user interface includes multiple trade line matched set visualizations, each set resulting from matching similar trade lines from multiple credit reports from multiple credit bureaus. Each of at least some of the trade line set visualizations is visually associated with one or more controls that may be interacted with by the user (e.g., by the individual about whom the credit reports relate), to select from an action to be performed with respect to the alleged event. The action may be a request to the credit bureaus to verify the information supporting the trade line, even without challenging the truth of the underlying information. | 2014-09-11 |
20140258085 | SYSTEM AND METHOD FOR MANAGING RISK IN WEB-BASED PEER-TO-PEER ROTATING FINANCIAL TRANSACTIONS - A system and method for generating risk management tools for web-based peer-to-peer rotating financial transactions executed by a funding system is disclosed. The risk management tools assist a funding circle organizer in addressing late contribution payments. Additionally, the risk management tools assist the participating parties in default risks when the organizer is the late contributor. In some embodiments, various implementations involving social pressure are applied to address the late payments (e.g. web service platform transparency, Circle score, reminder messages). In other embodiments, resolution options are generated to provide the organizer, and/or participating parties, with specific actions to take in regards to the late contributor (e.g. shift cycle, suspend, cancel, restart, etc.). | 2014-09-11 |
20140258086 | SYSTEM AND METHOD FOR GENERATING A ROTATING FUNDING CYCLE - System and method for generating a rotating funding cycle for a web-based peer-to-peer rotating funding circle executed on a web service platform of a funding system is disclosed. In embodiments, a rotating funding cycle is generated based on a party's selection of criteria associated with the funding circle. Financial transactions between parties within a peer-to-peer funding circle are executed according to the rotating funding cycle. The rotating funding cycle provides an advantage of allowing every party to benefit from a rotating fund on a cycle-to-cycle basis. | 2014-09-11 |
20140258087 | SYSTEM AND METHOD FOR FACILITATING WEB-BASED PEER-TO-PEER ROTATING FINANCIAL TRANSACTIONS - Various methods and systems for facilitating web-based peer-to-peer rotating financial transactions associated with a rotating fund shared among a circle of peers connected within one or more social networks are disclosed. In embodiments, a web service platform executed by a funding system enables a first party to organize a funding circle. The parties participating in the funding circle are invited from at least one social network associated with the first party. The financial transactions associated with the funding circle are pre-approved with one or more electronic payment processing services. As such, the rotating funding system leverages the advantages of automated electronic payment services and social networking services to provide a seamlessly integrated platform for engaging in the peer-to-peer rotating financial transactions. | 2014-09-11 |
20140258088 | Method and System for Providing Loans Based on the Repayment Capacity of a Customer - A method and system for efficiently providing loans based on the repayment capacity of a customer for providing a customer with one or more repayment options for a loan that satisfy a repayment capacity for the customer. The method and system for efficiently providing loans based on the repayment capacity of a customer generally includes calculating a repayment capacity for a customer, providing the customer with a payment card, selecting an item for purchase by the customer from a merchant, requesting a loan from the issuer by the customer, determining if the customer has sufficient repayment capacity, providing the customer one or more repayment options that satisfy the repayment capacity, selecting a repayment option by the customer and transferring funds from the issuer to the merchant for the purchase amount. | 2014-09-11 |
20140258089 | ESTIMATED SCORE STABILITY SYSTEM - In one embodiment, an estimated score stability system provides an approximation of a customer's historical credit scores based on trended data. These estimated credit scores can then be used to track information about a consumer over time. | 2014-09-11 |
20140258090 | VERSATILE SYSTEM FOR REGULATED APPLICATION PROCESSING - The present invention provides a versatile, automated system for processing regulated applications in a convenient, easy and economical manner. The system of the present disclosure provides an operational kernel that consolidates all aspects of applying for, processing, underwriting, and approving a user application subject to regulation. The system provides various structures, engines and methods for consolidating all aspects of application, handling, administration and approval processes within a unified operational environment. | 2014-09-11 |
20140258091 | SYSTEMS AND METHODS FOR AGGREGATING AND MANAGING FINANCIAL SERVICE ACCOUNTS - The disclosed embodiments include methods and systems for providing an aggregated financial service account based on multiple private label financial accounts. In one embodiment, a process is disclosed that may include receiving a first request from a user for a first private label financial account that is usable for purchases associated with a first merchant and approving the first request for the first private label financial account. The method may also include receiving a request from the user for a second private label financial account that is usable for purchases associated with a second merchant and approving the second request for the second private label financial account. In one aspect, the method may also include generating an aggregated financial account based on the first and second private label accounts such that the aggregated financial account may be used for purchases with the first merchant or with the second merchant. | 2014-09-11 |
20140258092 | SYSTEMS AND METHODS FOR ANALYZING FINANCIAL ACCOUNTS AND BUSINESS EFFORTS BASED ON LENDER INFORMATION - The disclosed embodiments include methods and systems for assessing financial account requests. In one embodiment, a method is disclosed that includes receiving a request from a borrower for a first financial account offered by a financial service provider. The method may also include collecting first lender information associated with the borrower and a first lender, where the lender information includes information associated with at least one first lender financial account offered by the first lender. In certain aspects, the method may further include analyzing the request based on the lender information and determining whether to approve the request for the first financial account based on the analysis of the request. | 2014-09-11 |
20140258093 | METHODS AND SYSTEMS FOR SELF-FUNDING INVESTMENTS - Methods, systems and/or computer instructions of enabling the creation and configuration of lending circles for members of organized communities, while optionally maintaining the anonymity of members. | 2014-09-11 |
20140258094 | SYSTEMS AND METHODS FOR DYNAMICALLY PROVIDING FINANCIAL LOAN PRODUCTS - The disclosed embodiments include methods and systems for collecting, managing, and processing business data for lending services. In one embodiment, a lending system is disclosed that may register a small business with a lending service provided by a lending system and receive first small business data from the small business. The lending system may store the first small business data and analyze the first small business data to determine whether the small business qualifies for a loan product provided by a financial service provider. In another embodiment, the lending system may determine, based on the analysis, that additional business data is needed to determine whether the small business qualifies for the loan product. The lending system may further receive second small business data from the small business and analyze the second small business data to determine whether the small business qualifies for the loan product provided. | 2014-09-11 |
20140258095 | COMMUNICATION SYSTEM AND METHOD BETWEEN A HOME BUYER, SELLER, STRATEGIC BUSINESS SOURCE, AND LENDER - A computerized system and method are presented for exchanging information between a buyer, a seller, a lender, and a strategic business source. The system permits sellers, lenders and strategic business sources to input buyers that are then submitted for activation. The buyers use the system to obtain information about items, while the sellers, lenders, and strategic business sources make consistent contact with the buyer in order to work with the buyer. Information about the buyers is shared with the sellers, lenders, and strategic business sources. A business plan is input into the system for the financial institution employing the lender while another business plan is input for the seller institution employing the seller. Activity on the computerized system is calculated for compliance with the business plan. Feedback is provided to management relating to whether the business plan is being met. | 2014-09-11 |
20140258096 | CONSUMER BEHAVIORS AT LENDER LEVEL - The present disclosure generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More specifically, it relates to rating lenders based on data derived from their respective consumers. Also, the present disclosure relates to rating consumer lenders based on the predicted spend capacity of their consumers. | 2014-09-11 |
20140258097 | Social Media Marketplace - Methods and systems are provided for facilitating shopping for products that have been liked to a social media network. A product can be seen on a merchant's website, for example. The product can be liked by user to the social media website. When the same or a different user subsequently sees the liked product on the social media website, the same or different user can purchase the product from the social media website. Thus, the user is not required to visit the merchant's website to perform the purchase transaction. Upon completion of the purchase, the user can be allowed to leave feedback to rate the item according to a predefined scale, which can be visible to all those who view the item, as exhibited by a vendor on the social media platform | 2014-09-11 |
20140258098 | SYSTEM AND METHOD FOR INTERNATIONAL MERCHANDISE RETURN SERVICE - A system and method for generating a return label for merchandise being returned from a buyer or consumer in a first country to a merchant in a second country. A name and address of a consumer in the first country desiring to return merchandise and merchant or seller information including a merchant identifier is received. An address for receiving returns for the merchant or seller in the second country is accessed based on the merchant information. One or more machine readable identifiers for use by a first country carrier and for use by a second country carrier based at least on the consumer information, and information for routing the return merchandise are generated. A return label for merchandise being returned from the consumer to the merchant is generated. The return label can include the machine readable identifiers and a customs declaration for the merchandise. | 2014-09-11 |
20140258099 | SYSTEMS AND METHODS FOR UPDATING PAYMENT CARD EXPIRATION INFORMATION - A computer-implemented method for updating merchant information regarding card-not-present recurring payment (CNP/RP) transactions is provided, wherein the method involves a recurring transaction initiated by a cardholder using payment card information stored by a merchant. The method includes querying a database coupled to a payment network to identify a candidate payment card having stale payment card data. The stale payment card data includes at least an existing expiration date that is within a predetermined period of time of a selected calendar date. The method also includes querying the database to identify at least one recent transaction involving the candidate payment card. The recent transaction includes payment card data having an updated expiration date. The method further includes notifying the merchant that the existing expiration date has been replaced with the updated expiration date. | 2014-09-11 |
20140258100 | SYSTEMS AND METHODS FOR PROVIDING AN ENGAGEMENT SYSTEM - Aspects of the present disclosure describe systems and corresponding methods for providing interactive experiences via an engagement system to spectators currently attending or otherwise participating in an event being conducted at a venue. In various aspects, the engagement system may connect the event attendees and/or spectators in an integrated manner by allowing such users to engage in interactive experiences, such as socially connecting to other participants, executing consumer transactions, and/or engaging in various other interactive games, promotions, and/or activities corresponding to the event being conducted at the venue. | 2014-09-11 |
20140258101 | Systems and Methods for a Theme-Based Effects Multimedia Editing Platform - Systems and methods described herein relate to creating or modifying multimedia content using theme-based effects. In accordance with some implementations, a method can comprise the operations of: accessing foundational content; receiving a request to apply a theme to the foundational content; receiving a theme-based effect associated with the theme; receiving a licensing parameter of use associated with the theme; and applying the theme-based effect to the foundational content according to the licensing parameter. Themes can include those created by third-party vendors and those created by one or more users of a method or system implementing features described herein. Additionally, use of different themes can vary in cost and/or use limitations, which can be determined according to licensing parameters associated with the themes. | 2014-09-11 |
20140258102 | MULTIPLE ACCOUNT ADVANCED PAYMENT CARD AND METHOD OF ROUTING CARD TRANSACTIONS - A system of accessing through a financial processing network multiple accounts associated with a single financial card. Data is input to the financial network in addition to the transaction data and the account identification data that in read from the card. This addition data permits the proper account to be accessed. The data may be input at the point of sale as an account selection. In this instance, the selection may be used to route the transaction data through the financial processing network or may be used to read data regarding one of multiple accounts encoded on the card. The data may also be stored as conditional routing rules at transfer points in the financial processing network. In this instance, the transaction is routed to the proper account based on the stored rules. | 2014-09-11 |
20140258103 | SYSTEM AND METHOD FOR PERSONALIZED COMMANDS - Various embodiments of a system and method for personalized commands are described. The system and method for personalized commands may include a payment service including a command management component. Such payment service may be responsive to one or more base commands. The command management component may be configured to generate a user interface for specifying personalized commands that correspond to the base commands. The command management component may be configured to generate mapping information from the information received via the user interface. The command management component may be configured to receive one or more messages that may include commands for the payment service, including personalized commands. From the personalized commands, the command management component may be configured to determine a corresponding base commands (e.g., based on the mapping information). Once the base command is determined, the payment service may perform the base command. | 2014-09-11 |
20140258104 | AUTOMATIC PAYMENT COMPONENT FOR AN ELECTRONIC INVOICE PAYMENT SYSTEM - An automatic invoice payment system includes a database stored on a non-transitory computer readable medium, the database including a plurality of records, each record corresponding to an invoice issued by a vendor for payment from a buyer. A network interface is configured to receive presented invoices from multiple vendors for payment by multiple buyers, wherein the presented invoices are stored in the database. The processor is configured to analyze each invoice that has been presented to determine whether the presented invoice satisfies one or more predetermined rules, and when the processor determines that the presented invoice satisfies the one or more predetermined rules, to automatically set a payment initiation date upon which payment of the presented invoice is to be automatically initiated. The processor may be configured to perform such operations by the execution of an automatic payment application stored on the non-transitory computer readable medium. | 2014-09-11 |
20140258105 | METHOD AND SYSTEM FOR AUTOMATICALLY COLLECTING PAYMENT FOR A CREDIT ACCOUNT - A method for automatically collecting payment for a credit account includes determining if a credit account is delinquent and determining the number of days the credit account is delinquent. The method includes automatically collecting a first amount from a first account if the number of days the credit account is delinquent comprises at least a first number of days and crediting the credit account the first amount. The first account may comprise a checking account, and the first number of days may comprise twenty days. | 2014-09-11 |
20140258106 | PAYMENT SYSTEM, PURCHASING SYSTEM, AND METHOD FOR PERFORMING A PLURALITY OF PAYMENT PROCESSES - A payment system which facilitates the payment of very small monetary amounts, making the payment more secure for the user. The payment system for at least one online shop is provided using an identification device for recording at least one identification number of a shopper system an interface device for receiving and confirming direct debit orders, a memory device for storing the direct debit orders and a processing device. The processing device is configured to monitor the total of the debit amounts in relation to the identification number and to request a user of the shopper system to register after a predetermined time interval and/or on exceeding a predetermined value of the total payable, in order to settle at least part of the total payable. | 2014-09-11 |
20140258107 | GENERATING PERSONAL BANK NOTE USING READABLE INDICIA - Embodiments of the invention are directed to systems, methods and computer program products for generating a personal bank note using readable indicia for providing payment information to a merchant during a transaction with a user. Embodiments initiate generating the readable indicia on a portable hard copy, the readable indicia encoding the payment information for presentation to the merchant such that the merchant may read the readable indicia, determine the payment information stored in the readable indicia and complete the transaction using the determined payment information. Some embodiments initiate presenting a user interface for interacting with the user regarding the personal bank note; and receive, from an account owner using the user interface, and store the payment information in the memory device. Some such embodiments receive, from an account owner using the user interface, user input requesting generation of the readable indicia. | 2014-09-11 |
20140258108 | SYSTEMS AND METHODS FOR PRODUCT AUTHENTICATION AND CONSUMER RELATIONSHIP MANAGEMENT - In one aspect, processing a product authentication transaction using a transaction terminal includes reading a secure token having a data value corresponding with a product item, determining that the data value is a valid data value corresponding with the product item, and providing an indication that the product item is authentic if the data value is a valid data value corresponding to the product item. In another aspect, processing a product authentication transaction using a terminal connected to a payment network includes reading a secure token having a data value corresponding with a product item, transmitting the data value to an authentication processor, receiving an authentication response from the authentication processor, the authentication response comprising an determination that the data value is a valid data value corresponding to the product item, and providing an indication that the product item is authentic based on the authentication response. | 2014-09-11 |
20140258109 | PENDING DEPOSIT FOR PAYMENT PROCESSING SYSTEM - Depositing funds onto smart cards for use during processing of purchases. A device creates a deposit request and transmits the request to a remote system. The remote system processes the request and transmits a deposit record to the device, which in turn transmits the record to the smart card. If the device has network access, it transmits a deposit confirmation to the remote system, which updates the smart card account to include the confirmation. If the device unable to connect to the remote system, the deposit confirmation is transmitted when the smart card is involved in a future transaction. During the future transaction, the smart card transmits its transaction history, which comprises the deposit confirmation, to the device, and the device transmits the transaction history to the remote system. The remote system updates the smart card account to include the deposit confirmation. | 2014-09-11 |
20140258110 | METHODS AND ARRANGEMENTS FOR SMARTPHONE PAYMENTS AND TRANSACTIONS - The disclosure relates to a smartphone-based virtual wallet, that manages payment options available to a user. One claim recites a method employing a user's portable device, the device including a display and a sensor, the method including acts of: initiating a multi-party auction to solicit bids from a plurality of financial vendors to facilitate a financial transaction for the user, the plurality of remotely-located financial vendors being associated with the user via a virtual wallet hosted on the user's portable device; receiving bids from the plurality of financial vendors; presenting a user interface using the display, the user interface identifying at least two bids solicited from the multi-party auction; upon receiving an indication of a user-selected bid from the at least two bids, initiating a financial transaction using at least some of the details in the user selected bid and information obtained from the virtual wallet. A great variety of other features, arrangements and claims are also detailed. | 2014-09-11 |
20140258111 | PORTABLE TERMINAL, ELECTRONIC CURRENCY USAGE RESTRICTION SYSTEM, AND RECORDING MEDIUM - A portable terminal is resistant to falsification of the spending limit of user's electronic money. The portable terminal includes a spending limit storage unit that stores the spending limit of electronic currency that can be spent; a network interface that receives, through a network, spending limit update information generated by a card server according to a notice from a parent user; a spending limit update unit that, when the spending limit update information is received, updates the spending limit stored in the spending limit storage unit, according to the received spending limit update information; a near field communication interface that detects carrier waves output from a reader/writer; and a secure element unit that applies for purchase when the carrier waves are detected. After the secure element unit applies for purchase, the spending limit update unit receives, from the card server, a spending limit based on whether the card server allows payment for the applied purchase and updates the spending limit stored in the spending limit storage unit according to the received spending limit. | 2014-09-11 |
20140258112 | METHOD AND APPARATUS FOR PERFORMING ELECTRONIC TRANSACTIONS - A method for performing electronic transactions, includes receiving a primary wallet component registered in a ticket server and an additional wallet component registered to the ticket server from a first provider server, displaying the primary wallet component and the additional wallet component, if selection of the additional wallet component is detected, requesting a second provider server to issue the selected additional wallet component, receiving the additional wallet component issued by the second provider server corresponding to the requested additional wallet component, and displaying the issued additional wallet component on a touch screen. | 2014-09-11 |
20140258113 | SYSTEM AND METHOD FOR SECURED ACCOUNT NUMBERS IN PROXIMITY DEVICES - A method and system for using a secured account number for processing proximity types of wireless financial transactions associated with portable consumer proximity devices is disclosed. In one embodiment, the method includes receiving a proximity type of wireless financial transaction request along with a secured account number from a portable proximity consumer device such as a contactless smart card, converting the secured account number to the user's real account number, and transmitting the financial transaction request along with the user's real account number to the issuer of the user's real account number for authorization and processing. | 2014-09-11 |
20140258114 | PROXY CARD PROVIDING INDIRECT FUNDS ACCESS - A proxy card used at an ATM, or at any vendor store, that has a legacy point of sale unit or at a store with the smart point of sale. In general, it can be used with any vendor and otherwise as any credit or debit card might be used. The point-of sale unit interacts with a multi-source processing system (MSPS) that, instead of servicing a single money source, interacts with more than one of a plurality of monetary sources that may be associated with the proxy card. The money transferred from credit or debit accounts of the user may be either transferred directly or indirectly via a proxy central account associated with the MSPS that a user maintains. | 2014-09-11 |
20140258115 | COMMUNICATION SYSTEM AND INFORMATION PROCESSING METHOD - A network transaction server apparatus manages virtual world privilege information that is issued for a transaction that a user has conducted in a virtual world by manipulating a personal computer. A settlement server apparatus manages real world privilege information that is issued for a transaction that the user has conducted in a real world. In response to a request from the personal computer, the settlement server apparatus converts virtual world privilege information that is managed by the network transaction server apparatus into real world privilege information using a prescribed conversion factor. | 2014-09-11 |
20140258116 | Flexible open origination - In the field of banking and financial services, a flexible Open Origination allows any type of mobile, internet, online, personal financial management software, finance tool, or other useful function, device or software, that a bank or financial institution provides to account holders, and offers that same functionality that allows any user regardless of account status. Non-account holders can download and utilize the Banking Software in question in order to enjoy its features, an in order to become familiar with the experience of doing business with the bank or financial institution that provides the software. This method, system and software allows any user, regardless of where his/her accounts are located, to use the software and benefit from its functionality. | 2014-09-11 |
20140258117 | METHODS AND SYSTEMS FOR HANDLING CURRENCY - A bulk deposit can be made at a financial institution based on dealings between a remitter and the remitter's agent. Information concerning transactions between the agent and the agent's customers, may be transferred by the agent to the remitter and, in turn, from the remitter to a service provider that is distinct from the agent, the remitter, and the remitter's bank. The service provider can generate a deposit slip and store in a database, information about the slip. This deposit slip may be marked with transaction amounts for the agent's customers, the bulk cash to be deposited; and a summary of any discrepancy between the two. The provider may make available to the financial institution at least some of the transaction information including its correlation to the deposit slip, and detail greater than that produced on the deposit slip. | 2014-09-11 |
20140258118 | PREDICTING APPROVAL OF TRANSACTIONS - Method, systems, and apparatus for processing a payment transaction includes determining that a network connection between a first destination in a payment system and a second destination in a payment system does not satisfy a latency threshold; receiving data indicating a payment transaction between a customer and a merchant; determining whether the payment transaction should be stored, where the determining is based on a risk algorithm model that considers risk factors associated with data regarding the payment transaction, risk factors associated with data regarding the customer, and risk factors associated with data regarding the merchant; if the payment transaction should be stored: storing the payment transaction for future processing; displaying an indication that the payment transaction has been successfully processed; if the payment transaction should not be stored: attempting to send a request for authorization for the payment transaction at a payment service system included in the payment system. | 2014-09-11 |
20140258119 | Fraud Decision Processing System and Method - The present invention relates to a method and system for performing fraud screening and choosing whether to accept or deny an online transaction. The system includes a server that receives a transaction request and performs a first fraud screen based on transaction information of the requested transaction. The server further determines which operation to perform: whether to issue a final response right away (accept, reject) or whether to gather more information before issuing a final response. The first fraud screening may be a predictive fraud screening which generates a probability of fraud. The information gathering may be an authentication of the payment instrument. One aspect of the invention further provides selecting an operation flow based on the transaction information. | 2014-09-11 |
20140258120 | SYSTEMS AND METHODS FOR DEBIT CARD ACCOUNT CONFIRMATION - Systems and methods that receive one or more information associated with a debit card account and receive verification of the information associated with the debit card. Upon the verification, a proxy associated with the information may be generated and stored in association with the information. The proxy may further be provided to other entities that may use the proxy as an indicator of the verification of the debit card account and for initiating transactions using the verified debit card account. | 2014-09-11 |
20140258121 | METHOD AND APPARATUS FOR PROVIDING SECURED ANONYMIZED PAYMENT - An approach for secured payment through anonymized settlement services without the use of physical trusted service management (TSM) devices includes receiving a payment request from a first user directed to a second user, wherein the payment request includes, at least in part, an abstracted identity of the first user, determining one or more payment accounts associated with the first user based, at least in part, on the abstracted identity, initiating a payment using the one or more payments accounts to the second user based on the payment request, and sending an acknowledgement message of the payment to the second user, wherein the acknowledgement message includes anonymized information associated with the payment. | 2014-09-11 |
20140258122 | FRAUD DETECTION BASED ON AGE OF CONTACT INFORMATION - Systems and methods for determining trustworthiness of a user are described. The methods include receiving information provided by the user to set up a new financial account, extracting contact information from the received information, transmitting the contact information to a third party to determine an age of the contact information, receiving the age of the contact information, and based on the age, assigning a confidence metric, wherein the confidence metric is associated with the trustworthiness of the user. | 2014-09-11 |
20140258123 | Tokenized Payment Service Registration - Processes for registering a user for a payment service are disclosed herein. Some of the processes involve the delivery of tokenized external fund transfer information from a financial institution to a payment service. Some of the process are conducted such that the external fund transfer information is never stored or handled by the payment service, but the identity of the user is still adequately verified by the payment service on behalf of the financial institution. | 2014-09-11 |
20140258124 | AUTHENTICATION PROCESS USING SEARCH TECHNOLOGY - Systems and methods are presented for improved authentication and risk analysis processes using search engine technology. In one potential implementation, an authorization request message is received at a payment processing network as part of a transaction between a user and a merchant. The payment processing network analyzes risk based on a search history associated with the user involved in the transaction with the merchant. A response to the authentication request is made based in part on the risk associated with the user search history. In further embodiments, a user registers with a search engine as part of a service for improved authentication, where the user accepts privacy settings allowing storage of search and transaction data by a search engine server. The search engine server passes search and transaction data to a risk analysis server for creation of risk parameters which may be used to authenticate transactions. | 2014-09-11 |
20140258125 | MULTIPLE PARTY BENEFIT FROM AN ONLINE AUTHENTICATION - An account authentication service where a trusted party verifies an account holder's identity for the benefit of a requestor during an online transaction. The account authentication involves requesting a password from the account holder, verifying the password, and notifying the requestor whether the account holder's authenticity has been verified. An alternative embodiment of the account authentication service includes a value-adding component where information about a customer is shared with a value-adding party. The customer information is rich in detail about the customer since it is collected by each of the parties in the account authentication process. The value-adding party can then use this information in various manners. All of the parties involved can benefit from sharing the customer information. The value-adding party can be, for example, a merchant, a shipper, a security organization, or a governmental organization. A transaction identifier identifies a specific transaction between a customer, a merchant, and the customer information. | 2014-09-11 |
20140258126 | OFFSITE FINANCIAL ACCOUNT ONBOARDING - Offsite financial account onboarding is provided which creates a more streamlined process for a customer. The customer accesses a money services business electronic system to request financial account setup. The onboarding system establishes account access to a pooled custodial account managed by the money services business based on preliminary identification (ID) data from the customer. With only preliminary ID data, account access limits are assigned which reduces the risk of fraud or criminal activity with the customer's account access. Because account access is established with just the preliminary ID data, the customer may fully obtain account access directly from a mobile device. The money services business provides additional graduated access levels depending on additional ID data provided by the customer. Thus, depending on the type of ID data provided by the customer, the customer's account access will have corresponding access level rights to the custodial account. | 2014-09-11 |
20140258127 | Using Low-Cost Tags to Facilitate Mobile Transactions - Systems, methods and computer program products for facilitating payments using low-cost barcode or RFID tags are disclosed. Such tags can be attached or affixed to physical, real-world objects thus allowing the objects to be purchased using a customer mobile device, without the need for a dedicated, on-site point-of-sale system. The tags may be constructed from paper, metal, leather, plastic or some other low-cost material. The tag allows a unique visual identifier such as a tag code to be imprinted so that it can be read using a mobile camera or other sensor enabled telephone. | 2014-09-11 |
20140258128 | Method for managing fund security and mobile terminal - The disclosure discloses a method for managing fund security, including that: a fund-security controlling strategy is generated according to a preset fund-security-controlling-strategy configuring file; and permission of using a paid function by an application is controlled according to a strategy controlling permission of using a paid function in the fund-security controlling strategy when it is detected that the application is about to use a paid function defined in the fund-security controlling strategy. The disclosure also provides a mobile terminal. With the disclosure, it is possible to control permission to a malicious application in a mobile terminal to use a paid function in the mobile terminal, thereby prevent loss of fund of the mobile terminal. | 2014-09-11 |
20140258129 | METHOD, APPARATUS AND SYSTEM FOR ESTABLISHING A SECURE COMMUNICATIONS SESSION - A system and method are provided for establishing a secure communication session de novo. A first device and a second device are enabled with two separate and unconnected communications channels. The first channel extends to a service provider server (“server”) and preferably the Internet. The second channel may be formed by the first device and the second device transferring information by light, sound or vibration. The first device and the server communicate a session identifier via the first channel. The first device communicates the session identifier and optionally an encryption key and other information to the first device via the second channel. The second device transmits a message with an encrypted payload to the server referencing the session identifier via the first channel. The message is delivered to the first device by reference to the session identifier, either automatically or by a request message delivered to the server. | 2014-09-11 |
20140258130 | SYSTEM AND METHOD FOR PARTICIPATING IN TRANSACTIONS BETWEEN COMPUTING DEVICES - Apparatus, method, and media for participating in transactions between computing devices. An exemplary method comprises transmitting, to an external computing device, a registration identifier and a registration message including an identification certificate, receiving, from an external computing device, an authentication message to test the authenticity of a computing device, transmitting, to an external computing device, information validating the authenticity of a computing device in response to the receipt of the authentication message, and participating in a transaction with an external computing devices. The transaction may comprise generating a request for content, the request corresponding to a utilization of the content, determining whether the utilization corresponds to usage rights associated with the content, and granting access to the content in accordance with the usage rights based at least in part on a determination that the utilization corresponds to usage rights associated with the content. | 2014-09-11 |
20140258131 | SYSTEM AND METHOD FOR PARTICIPATING IN TRANSACTIONS BETWEEN COMPUTING DEVICES - Apparatus, method, and media for participating in transactions between computing devices. An exemplary method comprises receiving a registration identifier and a registration message including an identification certificate, verifying the identity of an external computing device by verifying the identification certificate, transmitting an authentication message to test the authenticity of an external computing device, validating the authenticity of an external computing device based at least in part on information received in response to the transmission of the authentication message, and participating in a transaction with an external computing device. The transaction may comprise generating a request for content, the request corresponding to a utilization of the content, determining whether the utilization corresponds to usage rights associated with the content, and granting access to the content in accordance with the usage rights based at least in part on a determination that the utilization corresponds to the usage rights associated with the content. | 2014-09-11 |
20140258132 | SYSTEM AND METHOD FOR SECURE ELECTRONIC TRANSACTION - The various embodiments herein provide a system for a secure electronic transaction. The system comprises a dongle connected to a computing device for reading an electronic card data, a client application running on the client device for collecting a transaction information from a customer, a service provider system connected to the computing device through a first communication network for transmitting the collected transaction information and the audio signal from the computing device to the service provider system, a production server located at the service provider system for processing the received card data, a payment server for processing the audio signal, a second communication network for transmitting a processed card data from the production server to a payment system and a payment gateway running on the payment system for interfacing with the service provider system. The payment system performs the financial transaction by authenticating the customer and a merchant. | 2014-09-11 |
20140258133 | Secure Mobile-Based Financial Transactions - Devices, systems and methods are disclosed which relate to securing payments from a mobile communications device. In exemplary embodiments, a mobile communications device communicates with a payment server via a point-of-sale device to conduct a transaction. The mobile communications device uses a client payment logic to send payment information to the point-of-sale device. The point-of-sale device uses a vendor payment logic to forward the payment information to the payment server. The payment server verifies the payment information and sends confirmation to the point-of-sale device. | 2014-09-11 |
20140258134 | METHOD OF GENERATING ONE-TIME CODE - Provided is a method of generating one-time code that can enable credit payment with improved security to be carried out by enabling one-time code to be generated in a such a way that the one-time code issued to a payment device cannot be inferred or expected by other persons. The method of generating one-time code, which is performed by a card company server providing one-time codes to payment devices when one-time codes are requested by the payment devices, the method, comprising steps of: allocating the payment devices to an index table according to an order of one-time codes being requested when the one-time codes are requested from the payment devices; obtaining digit strings from a one-time code table having one-time codes using target addresses non-sequentially provided in an index table; and generating the one-time codes including the digit strings and a Bank Identification Number (BIN) in a published state. | 2014-09-11 |
20140258135 | PAYMENT METHOD USING ONE-TIME CARD INFORMATION - Provided is a payment method using one-time information, which is performed by a payment system network-connected to a relay server and a payment device and having actual card information, the method including: receiving a payment schedule message from the payment device; publishing a Bank Information Number in response to the payment schedule message, generating one-time card information not including the actual card information, and providing the generated one-time card information to the payment device; judging validity of a message for approval request transmitted from the relay server according to whether or not a difference between a first time when the one-time card information is returned through the relay sever and a second time when the one-time card information is provided to the payment device satisfies a predetermined reference time; and determining whether or not the message for approval request is approved according to a judgment result of the validity. | 2014-09-11 |
20140258136 | METHOD FOR IMPROVING SECURITY OF ONLINE TRANSACTIONS - The present invention provides a system, including a method and apparatus, for verifying, with a very high degree of certainty, the identity of an individual who desires to execute an online transaction for the purchase of goods or services. System function embodies a number of interconnected basic features. The first involves enabling a personal computerized device to be identified via user input data. The second involves the creation of a central, third-party identification database containing authentication information and having an authentication protocol. The third involves the provision of an individualized electronic certificate, which ties the identification of an individual computer or device user to the third-party identification database. The fourth involves the incorporation of the individualized electronic certificate in a particular individual computer or computerized device, which enables the establishment of the authentication protocol between the computerized device and the third-party website. | 2014-09-11 |
20140258137 | Collaborative Product Development System - A web-based collaborative product development system for facilitating collaborative development of a product by multiple user entities. The collaborative product development system includes a collaborative product development site and user entity terminals. The collaborative product development site includes an invitation component that allows an originating user entity or entities to invite other user entities to create a product based on consumer preferences, a reception/verification component that enables the originating user entity or entities to accept bids from other user entities in response to the invitation and select a winner or winners as collaborators, and a collaboration component employed by the user entities to jointly develop the product. The user entity terminals provide access to the collaborative product development system via an internet or intranet connection. | 2014-09-11 |
20140258138 | SYSTEM AND METHOD FOR OWNER ENDORSEMENT IN INTERFACE MANAGEMENT - A system, method and computer program product provide for management of interfaces in a construction project. An interface point may have one or more interface agreements for performance by various contractors to complete the interface point under management of an owner/operator of the project. The workflow provides owner/operator interface managers control over the performance by the contractors. The workflow is configured to provide a user interface for brokering, by the owner/operator, respective interface agreement requests and responses by the contractors for completing a particular interface agreement. The user interface is configured to receive input from the interface managers to endorse the respective requests and responses and the workflow forwards the endorsed requests and responses accordingly thereby to control the performance. The workflow may be configurable to operate in accordance with more than one endorsement model. | 2014-09-11 |
20140258139 | INFORMATION PROCESSING SYSTEM, INFORMATION PROCESSING APPARATUS, AND OPERATION-STATE PREDICTION METHOD - An information processing system includes a device-information acquiring part, a failure-information acquiring part, and a predicting part. The device-information acquiring part acquires device information indicating at least a model of a given device. The failure-information acquiring part acquires failure information on a failure occurred in the same model of device as the model indicated by the device information among managed object devices. The predicting part predicts an operation state of the given device on the basis of the failure information. | 2014-09-11 |
20140258140 | ELECTRONIC PRODUCT REGISTRATION SYSTEM WITH CUSTOMIZABLE RETURN/WARRANTY PROGRAMS - An electronic product registration (ER) system which enables a retailer, preferable in cooperation with its vendors, to provide a customized return/warranty program for customers on a product-by product basis. The original policy(ies) in the ER system can be modified for a particular product and the modified policy is stored in the ER system so that the modified policy can be accessed if the product is again presented for a return/warranty transaction. | 2014-09-11 |
20140258141 | Digital Media Lending System and Method - A digital media lending system and computer implemented method is disclosed. The system includes a usage restriction system operable to apply usage restrictions to digital media items and a user interface arranged to receive a user input by a user requesting loan of a digital media item. The usage restriction system is arranged to apply usage restrictions to the requested digital media item in dependence on historic activities of the user. | 2014-09-11 |
20140258142 | BATTERY LEASING SYSTEM - To provide a battery leasing system with which an initial investment for a battery installed inside or outside a home of a user can be reduced, ideally to zero. To provide a leasing system in which the battery is installed at the user's home with an initial investment of a leasing company and the user pays a predetermined charge to the leasing company. The amount of the predetermined charge collected from the user is a portion of money saved by energy conservation. This leasing system can easily increase homes with the battery capable of being as an emergency power source. | 2014-09-11 |
20140258143 | COMPUTER SYSTEM FOR SCORING PATENTS - The invention discloses a system to score assets such as patents based on an event on which information is publicly available and is correlated to a number of intrinsic and extrinsic variables which characterize the assets. More specifically, the invention improves over the prior art by taking due account of yearly life expectancy statistics of patents of the same family in multiple jurisdictions where related patents owned by the same assignee have been filed. For doing so, the system of the invention provides a method to use statistical models of the semi-parametric type such as Cox proportional hazard models or the parametric type, such as Weibull accelerated failure models. These models yield a much improved precise estimation of patents families filed in multiple jurisdictions, the possibility to make available to the users the breakdown of the explanatory power for each relevant variable and validation criteria and the option to choose between different models the one best fitted to their usage scenario. | 2014-09-11 |
20140258144 | Method of Virtual Patent Marking - A method of virtual patent marking an article that is patented by a patent, includes preparing an in-house document that includes an indicator of the article, the number of the patent in association with the indicator, and other information related to the article. An address on the Internet together with at least one of the word “patent” and the abbreviation “pat.” is fixed on at least one of the article and a label that is fixed to at least one of the article or on a package of the article. A posting is created by carving out an integral section of the in-house document away from the other information. The integral section includes the indicator of the article and the number of the patent in association with the indicator. The posting is then set up at the address on the Internet. | 2014-09-11 |
20140258145 | SEMI-AUTOMATIC GENERATION / CUSTOMIZATION OF (ALL) CONFIRMATIVE LEGAL ARGUMENT CHAINS (LACS) IN A CLAIMED INVENTION'S SPL TEST, AS ENABLED BY ITS "INVENTIVE CONCEPTS" - A computer-implemented method of generating, customizing and providing “Legal Argument Chains, LAC.Z”, Z=1, 2, 3, . . . , by a “Innovation Expert System, IES”,
| 2014-09-11 |
20140258146 | SYSTEMS AND METHODS FOR PATENT PORTFOLIO MANAGEMENT AND GENERATION OF ANALYTICS - Systems and methods for patent portfolio management and generation of analytics are described. A system comprises, for example, one or more modules. A first module is configured to combine data received from an official government source and from a docketing system. The data received may pertain to one or more assets of a patent portfolio. A second module is configured to generate a metric of the patent portfolio based on the combined data. The metric may measure a characteristic of the patent portfolio. A third module is configured to receive a request from a client device to display the metric. A fourth module is configured to, in response to the request to display the metric, display the metric in a user interface that includes one or more filtering elements that are selectable to request a filtering of the displayed metric. | 2014-09-11 |
20140258147 | SYSTEMS AND METHODS FOR PATENT PORTFOLIO MANAGEMENT AND GENERATION OF ANALYTICS - Systems and methods for patent portfolio management and generation of analytics are described. A system comprises, for example, one or more modules. A first module is configured to combine data received from an official government source and from a docketing system. The data received may pertain to one or more assets of a patent portfolio. A second module is configured to generate a metric of the patent portfolio based on the combined data. The metric may measure a characteristic of the patent portfolio. A third module is configured to receive a request from a client device to display the metric. A fourth module is configured to, in response to the request to display the metric, display the metric in a user interface that includes one or more filtering elements that are selectable to request a filtering of the displayed metric. | 2014-09-11 |
20140258148 | SYSTEMS AND METHODS FOR PATENT PORTFOLIO MANAGEMENT AND GENERATION OF ANALYTICS - Systems and methods for patent portfolio management and generation of analytics are described. A system comprises, for example, one or more modules. A first module is configured to combine data received from an official government source and from a docketing system. The data received may pertain to one or more assets of a patent portfolio. A second module is configured to generate a metric of the patent portfolio based on the combined data. The metric may measure a characteristic of the patent portfolio. A third module is configured to receive a request from a client device to display the metric. A fourth module is configured to, in response to the request to display the metric, display the metric in a user interface that includes one or more filtering elements that are selectable to request a filtering of the displayed metric. | 2014-09-11 |
20140258149 | SYSTEMS AND METHODS FOR PATENT PORTFOLIO MANAGEMENT AND GENERATION OF ANALYTICS - Systems and methods for patent portfolio management and generation of analytics are described. A system comprises, for example, one or more modules. A first module is configured to combine data received from an official government source and from a docketing system. The data received may pertain to one or more assets of a patent portfolio. A second module is configured to generate a metric of the patent portfolio based on the combined data. The metric may measure a characteristic of the patent portfolio. A third module is configured to receive a request from a client device to display the metric. A fourth module is configured to, in response to the request to display the metric, display the metric in a user interface that includes one or more filtering elements that are selectable to request a filtering of the displayed metric. | 2014-09-11 |
20140258150 | SYSTEMS AND METHODS FOR PATENT PORTFOLIO MANAGEMENT AND GENERATION OF ANALYTICS - Systems and methods for patent portfolio management and generation of analytics are described. A system comprises, for example, one or more modules. A first module is configured to combine data received from an official government source and from a docketing system. The data received may pertain to one or more assets of a patent portfolio. A second module is configured to generate a metric of the patent portfolio based on the combined data. The metric may measure a characteristic of the patent portfolio. A third module is configured to receive a request from a client device to display the metric. A fourth module is configured to, in response to the request to display the metric, display the metric in a user interface that includes one or more filtering elements that are selectable to request a filtering of the displayed metric. | 2014-09-11 |
20140258151 | SYSTEMS AND METHODS FOR PATENT PORTFOLIO MANAGEMENT AND GENERATION OF ANALYTICS - Systems and methods for patent portfolio management and generation of analytics are described. A system comprises, for example, one or more modules. A first module is configured to combine data received from an official government source and from a docketing system. The data received may pertain to one or more assets of a patent portfolio. A second module is configured to generate a metric of the patent portfolio based on the combined data. The metric may measure a characteristic of the patent portfolio. A third module is configured to receive a request from a client device to display the metric. A fourth module is configured to, in response to the request to display the metric, display the metric in a user interface that includes one or more filtering elements that are selectable to request a filtering of the displayed metric. | 2014-09-11 |
20140258152 | RESOLVING AN UNLICENSED COMPUTER INSTALLATION OF A TYPE OF SOFTWARE - A method and system for resolving an unlicensed installation of a type of software in a first computer of a company. The method and system: determines that the type of software is currently installed on a second computer of the company; determines that the company has an existing license permitting multiple copies of the software to be installed on the second computer; and based on the determination that the company has an existing license which permits multiple copies of the software to be installed on the second computer, determines, and generates a computer record indicating, that a solution to the unlicensed installation of the type of software on the first computer is to decommission the unlicensed software from the first computer and install another copy of the software in the second computer under the existing license in addition to the type of software currently installed on the second computer. | 2014-09-11 |
20140258153 | ANALYTICS GENERATION FOR PATENT PORTFOLIO MANAGEMENT - Systems and methods for patent portfolio management and generation of analytics are described. A system comprises, for example, one or more modules. A first module is configured to combine data received from an official government source and from a docketing system. The data received may pertain to one or more assets of a patent portfolio. A second module is configured to generate a metric of the patent portfolio based on the combined data. The metric may measure a characteristic of the patent portfolio. A third module is configured to receive a request from a client device to display the metric. A fourth module is configured to, in response to the request to display the metric, display the metric in a user interface that includes one or more filtering elements that are selectable to request a filtering of the displayed metric. | 2014-09-11 |
20140258154 | System and Method for the Automated Handling of Legal Documents - Disclosed is a system and method for generating, distributing, and accessing private investigation related documents. The system is operated by a host and utilized by a number of different entities that are involved in preparing and distributing private investigated related documents. The system also permits the automated invoicing and billing of private investigation related activities. The archiving of data related to private investigations can also be carried out by the present system. In still yet other embodiments, the system can permit real time editing of reports, the generation of reports via voice recognition, as well as access to streaming broadcasts. Other embodiments permit photographs and/or maps to be embedded into private investigation related reports. | 2014-09-11 |
20140258155 | APPLICATION MARKETPLACE FOR VIRTUAL DESKTOPS - Systems and methods are presented for accessing an application available from a data center of a program execution service. The metadata associated with a user computing device may be used to determine whether the user computing device is authorized to access the application through a virtual desktop instance. At least a portion of the application may be executed by the virtual desktop instance and provided to the user. Applications may be purchased, licensed, or rented by a user. | 2014-09-11 |
20140258156 | SYSTEM AND METHOD TO AUTHENTICATE INTEGRATED CIRCUITS - A method to create a reference library of known authentic die images includes die images which are known to be a correct representation of the manufacturer's original die mask set. Where actual literal copies of the original die mask set are unavailable, reasonable facsimile images are derived from images of known authentic ICs. The library of images, while mainly including a set of die images, can be further supplemented by package images, images of manufacturer's logos, text listings of known text markings, including, for example, known serial numbers and date codes, and graphical images from any suitable manufacturer publications. A system and method to determine the authenticity of ICs which includes a multi-faceted approach is also described. | 2014-09-11 |
20140258157 | Feedback for Financial Contributions - Exemplary methods, apparatuses, and systems display selectable partners to facilitate a financial contribution from a user, receive user selection of one of the partners and an amount of the financial contribution, receive partner feedback to demonstrate an impact of the financial contribution, and display the feedback to the user. The feedback includes a photograph taken of a beneficiary of the financial contribution upon receiving benefit of the financial contribution. The partner submits the feedback to an organizer for review and the organizer approves and provides the feedback to the user. | 2014-09-11 |
20140258158 | SYSTEM FOR RECORDING AND BROADCASTING MESSAGES TO SOCIAL NETWORKS, WEB, BLOG SPACES AND QUICK RESPONSE CODES - This invention allows users to record audio or video messages from a variety of sources and automatically distribute them to various websites. Additionally this invention automatically designates a quick response code, for each message, which links to a uniform resource locator for the recorded message so that the quick response code can be placed on printed media and scanned to access the recorded message. The uniform resource locator, associated with the quick response code can be prescheduled to automatically change based on a time or date. | 2014-09-11 |
20140258159 | SYSTEM AND METHOD OF SELECTING A RELEVANT USER FOR INTRODUCTION TO A USER IN AN ONLINE ENVIRONMENT - Systems and methods of selecting a relevant user for introduction to a user in an online environment are disclosed. In one aspect, embodiments of the present disclosure include a method, which may be implemented on a system, of receiving a request to identify the relevant user to be introduced to the participating user in the social network, identifying a set of social history records that occurred among the multiple users in the social network, selecting, from the multiple users, the relevant user to be introduced to the participating user using the set of social history records. The relevant user that is selected is not a social connection of the participating user in the social network. One embodiment includes, determining whether the participating user is interested in meeting the relevant user in the social network based on an indication made by the participating user via interaction with the user device. | 2014-09-11 |
20140258160 | SYSTEMS AND METHODS FOR SOCIAL GRAPH DATA ANALYTICS TO DETERMINE CONNECTIVITY WITHIN A COMMUNITY - Systems and methods for social graph data analytics to determine the connectivity between nodes within a community are provided. A user may assign user connectivity values to other members of the community, or connectivity values may be automatically assigned from third parties or based on the frequency of interactions between members. Connectivity values may represent such factors as alignment, reputation, status, and/or influence within a social graph of a network community, or the degree of trust. The paths connecting a first node to a second node may be retrieved, and social graph data analytics may be performed on the retrieved paths. Network connectivity values and/or other social graph data may be outputted to third-party processes and services for use in initiating automatic transactions or making automated network-based or real-world decisions. | 2014-09-11 |
20140258161 | SYSTEMS AND METHODS FOR CAREER INFORMATION PROCESSING - Systems and methods for consolidating, preparing, and distributing job information as well as applicant responses are provided. Some embodiments consolidate social profile information to facilitate job applications with minimal candidate involvement. Some embodiments provide systems and methods for assessing an employer's recruitment effectiveness via website analysis. Some embodiments distribute job notifications via participating recruiter social networks. Some embodiments consolidate job information into an accessible “job card” format, facilitating quick assessment by a candidate. | 2014-09-11 |
20140258162 | TECHNIQUES TO BLOCK RECORDS FOR MATCHING - Techniques to block records for matching are described. Some embodiments are particularly directed to techniques to block records for matching entities with inconsistent identifying information. In one embodiment, for example, an apparatus may comprise a configuration component, a coding component, a blocking component, and a matching component. The configuration component may be operative to receive a data set comprising a plurality of records and operative to receive a set of blocking variables, the blocking variables present as variables in each of the plurality of records. The coding component operative to generate match codes based on the blocking variables. The blocking component operative on the processor circuit to produce a plurality of blocks of records from the data set based on the match codes. The matching component operative to match records within each of the plurality of blocks by performing deterministic or probabilistic entity resolution based on similar variables of the records within each of the blocks. Other embodiments are described and claimed. | 2014-09-11 |
20140258163 | RULE BASED SYSTEM AND METHOD FOR CHARGIN STUDENT ACCOUNTS - A system for charging one ore learning session to one or more student accounts comprises an online learning system having one or more nodes that creates one or more online learning sessions. An enrollment node receives student enrollment information, including responsible authority information. A scheduling node schedules the online learning session. A database stores one or more student accounts created based on the received student enrollment information. The same or another databases stores information relating to one or more responsible authority charge criterion for charging the one or more learning sessions to the one or more student accounts. An activity node receives one or more session activity information associated with the one or more learning sessions and an accounting node associates a charge information for a learning session to an student account based the one or more responsible authority charge criterion and one or more session activity information. | 2014-09-11 |
20140258164 | SHIPPING PREFERENCES POPULATION SYSTEMS AND RELATED METHODS - The present systems and methods describe a computer system that collects user shipping preferences, including, for example, the shipping speeds (e.g., standard three to five day shipping) a user selects on various retailer websites. The system is configured to determine the one or more preferred shipping methods for the user based on the collected shipping preferences and to save the preferred shipping methods to memory (e.g., the user commonly prefers standard shipping). When the user visits an online retailer, the system, detects a shipping field (e.g., where the user may select or input a shipping preference), accesses the saved preferred shipping method (e.g., the user prefers standard shipping), and populates the shipping field with the saved preferred shipping method (e.g., the system automatically selects “standard shipping” for the user). | 2014-09-11 |
20140258165 | Inventory Tracking System - Methods and systems for tracking inventory. A method of tracking a container of a chemical includes labeling the container with a machine readable code that includes data which uniquely identifies the container and/or its contents. Historical data concerning the shipment and/or use of the container or its contents, or any other data specific to the container may be stored in a database that associates data with the specific container based on the unique identifier. An inventory management system may then automatically track a specific container by scanning the machine readable code to identify the specific container, and then accessing the database to both store and retrieve data related to the scanned container and/or its contents. | 2014-09-11 |
20140258166 | SENSOR BASED LOGISTICS SYSTEM - Systems, methods, and computer program products are provided for tracking one or more items. In one exemplary embodiment, there is provided a method for tracking one or more items. The method may include periodically detecting, by a sensor device, sensor information of the one or more items, and periodically transmitting, by the sensor device, the sensor information. The method may also include determining if the one or more parties is authorized to receive the sensor information. The method may also include transmitting the sensor information to the one or more authorized parties. The method may further include determining if the one or more parties is authorized to receive the sensor information and the periodically transmitting the sensor information to the one or more authorized parties based on a set of one or more permissions that grants or restricts access of the one or more parties to the sensor information based on the set of one or more permissions. | 2014-09-11 |
20140258167 | DELIVERY OF POSTAL ITEMS BY PARTICIPANTS OF A DELIVERY SERVICE - The invention relates to a method for delivering a mailpiece to a destination address, whereby the mailpiece is held at one depot of a plurality of depots. With the method, (i) a first participant of a service is selected from a plurality of participants registered for the service on the basis of an association of the participant with that depot, (ii) a request is sent to the selected first participant and an acceptance message sent by the participant in response to the request is received, and (iii) the mailpiece is handed over to the first participant at the depot on the basis of the receipt of the acceptance message for the transport over at least a partial segment of a delivery route to the destination address. | 2014-09-11 |
20140258168 | Automated Pickup & Delivery System - A pickup and delivery system is disclosed wherein packages for service are deposited in drop box. The entity depositing the package receives electronic notification of receipt of the package and the service provider is electronically notified of the package deposit. The service provider is provided with a code to unlock the drop containing the items to be serviced. After the items have be serviced, they are placed in lockboxes and an unlock code is generated for each lockbox. The unlock code is electronically transmitted to the entity requesting service and the processed items are removed from the lockbox in connection with entry of the unlock code information. | 2014-09-11 |
20140258169 | METHOD AND SYSTEM FOR AUTOMATED VERIFICATION OF CUSTOMER REVIEWS - Described embodiments provide systems and methods for verifying customer reviews. Certain embodiments evaluate the authenticity of a proof-of-purchase provided by a customer. Other embodiments may provide an electronic service that verifies the authenticity of a proof-of-purchase provided by a customer to document a transaction between the customer and a merchant. | 2014-09-11 |
20140258170 | SYSTEM FOR GRAPHICALLY DISPLAYING USER-PROVIDED INFORMATION - Appraisal information associated with one or more topics are collected and provided via a graphically displayed interface. The interface is configured to graphically display descriptive appraisal information (language-based descriptors) and quantitative appraisal information (number-based descriptors) associated with a topic in a two-dimensional field as a semi-ordered perceptual map of choices. Such a choice map represents qualitative assessments of a particular topic in a way that facilitates immediate understanding of the feedback from a large number of end-users. | 2014-09-11 |
20140258171 | DETERMINING RATINGS BASED ON RATINGS OF OTHER ENTITIES - Information about a first characteristic of one or more entities related to a first entity is obtained. Then one or more characteristic values are calculated for the first characteristic of the one or more entities related to the first entity. Then a first rating is assigned to the first entity based on the one or more characteristic values for the first characteristic of the one or more entities related to the first entity. | 2014-09-11 |
20140258172 | METHOD AND SYSTEM FOR THE DISCOVERY AND DESCRIPTION OF BUSINESS ENDEAVOURS - A key ingredient in the design and development of enterprise software systems is a precise description of the business endeavour. In practice the engineering designs for corporate systems are surprisingly poorly articulated due to the difficulty organisations face in clearly defining their business needs in a structured and unambiguous manner. One problem is that the notations used in business process specifications are technical in nature, notoriously complex and not particularly intelligible to business stakeholders. Further, since the business environment is highly dynamic, static documentation is quickly out-of-date and rarely reusable beyond the lifespan of any particular project. There is a constant disconnect between the fluid, evolving nature of business strategies and the brittle, rigid nature of process automation. As a consequence, business stakeholders have little direct control over the structure, behaviour and governance of information systems, which is a major contributing factor in the pervasive issue of system inflexibility and adaptability. This invention provides a method and corresponding system design for addressing these limitations by articulating a business endeavour in a comprehensive, structured conceptual model that is independent of underlying technology and responsive to the dynamics of business strategy. | 2014-09-11 |
20140258173 | PROGRAMMABLE PLANT SYSTEM - Various systems, methods, and computer program products are described for generating and using a computer model that models development of a plant. For example, a method may include generating a computer model based on empirical data. The computer model may eliminate assumptions regarding growing conditions in order to improve outcome predictions. A method may include recommending, using the computer model, different growing conditions based on a particular plant species and observed growing conditions and/or phenotypic features of the plant. The observed growing conditions may be input by sensors and/or a grower. A method may include generating, using the computer model, a planning schedule that includes optimum growing conditions that facilitates optimal scheduling for plant being cultivated. The recommendations and/or planning schedule may facilitate comparison of phenotypic features of a model plant grown under optimal conditions and a plant being grown by a grower. | 2014-09-11 |