42nd week of 2015 patent applcation highlights part 49 |
Patent application number | Title | Published |
20150294242 | Adapting an Incremental Information Object - Systems and methods for adapting an incremental information object (IIO) to accommodate a change in a workflow are provided. A method includes analyzing an IIO, wherein the IIO comprises a plurality of tiles, and wherein the plurality of tiles comprise a code. The code is confirmed and, if the confirmation is successful, a determination is made as to whether the workflow has changed. If the workflow has changed the IIO is modified to change the information density of the IIO, a new code comprising a bitstream is generated, and the bitstream is overwritten on the plurality of tiles. | 2015-10-15 |
20150294243 | METHOD TO PROPAGATE A SYSTEM LEVEL UTILIZATION GOAL TO INDIVIDUAL SYSTEM ELEMENTS - Techniques are disclosed for propagating a system level utilization goal to individual system elements. For example, a utilization goal such as a load factor goal for a group of airline flights in a given market segment and time period may be propagated to each flight in the group. When propagating a load factor goal to a group of airline flights, a goal value, historical load factors, and a capacity of each flight in the group may be used to determine a load factor target for each flight in the flight group. The propagated load factor targets are expected to be realizable by each flight in the flight group and, in the aggregate, satisfy the system level goal. | 2015-10-15 |
20150294244 | AUTOMATED SECURITY INCIDENT HANDLING IN A DYNAMIC ENVIRONMENT - In a method for estimating a severity of a current security incident reported by a customer for the customer's computer system, a processor receives from one or more administrators for a plurality of prior security incidents reported by the customer, identifications of a respective plurality of actual severities for the plurality of prior security incidents. The processor estimates, based in part on the plurality of identified actual severities of the prior security incidents, a severity of the current security incident. The processor reports the estimated severity for the current security incident. | 2015-10-15 |
20150294245 | METHOD AND SYSTEM FOR HANDLING PROGRAM, PROJECT AND ASSET SCHEDULING MANAGEMENT WITH RESERVES MANAGEMENT AND APPLICATION INTEGRATION - The invention comprises management of integration with interfacing applications, with emphasis on configurable database connectivity, logic manipulation of data, error checking with correction capability, with or without conditional criteria through a Graphical User Interface. The data can further be configured to be transported directly or through user-controlled means that allows manual modifications. The system mines the original and modified data with timestamp, history and audit trail that can generate audit-related information any time in the future. It further provides a hierarchical roll up and breakdown capability of managing reserves assets. Approval, Action Item, document attaching, notification and instant messaging functions can be linked to the integral functions. Status, history, audit trail, reports and statistics are tracked, maintained and linked to each element of the data and its related function, and this information is producible in any statistical, graphical or textual format. | 2015-10-15 |
20150294246 | SELECTING OPTIMAL TRAINING DATA SET FOR SERVICE CONTRACT PREDICTION - A selection parameter is applied to a set of risk assessment data and corresponding performance measure data for a completed, or active, project that is similar to a proposed project. Certain combinations of the risk assessment data and corresponding performance measure data are selected for training an optimal predictive model. The predictive model is applied to available data of a proposed project for predicting associated risks, or outcomes, of the proposed project. | 2015-10-15 |
20150294247 | METHOD OF MANAGING BUSINESS DESCRIPTION, APPARATUS AND STORAGE MEDIUM - A method of managing a business description, the method includes: monitoring an editing state of each of a plurality of business description information pieces stored in a storage device, each of the plurality of business description information pieces describing information indicating each of a plurality of items of work according to a work order; detecting currently edited business description information of which the editing state is in an editing process; detecting edited content of the currently edited business description information; generating, by a processor, related information which is related to specific business description information based on information indicating edited content of the specific business description information and business description information different from the specific business description information among the currently edited business description information pieces; and presenting the generated information. | 2015-10-15 |
20150294248 | POSITION-CENTRIC PERSONNEL ASSESSMENT APPARATUS AND METHOD - A computer-implemented position-centric personnel modeling apparatus, system, and method may be provided. A nodal hierarchy may be created to correlate with the personnel structure of a business enterprise, wherein each node may be a cyberspace representation of an individual within the personnel structure of the business enterprise. Attributes correlating to individual personnel in the business enterprise may be mapped to a respective node. Objectives may subsequently be tasked within the model and the nodal hierarchy may be rearranged based on the results. Results from the model may optionally be reflected by a business enterprise. | 2015-10-15 |
20150294249 | RISK PREDICTION FOR SERVICE CONTRACTS VASED ON CO-OCCURENCE CLUSTERS - A method for predicting risks for information technology service contracts includes calculating a probability of occurrence of each target risk in a target contract; constructing clusters of root causes observed in historical contracts similar to the target contract, for each of the clusters, identifying root causes that co-occur with target contract risks by searching each cluster for root causes of similar historical contract risks such that the identified root causes represent additional new contract risks, and calculating the probability of occurrence of each new target risk identified for the target contract based on root causes identified in the similar historical contract risks. Two root causes are in the same cluster if both root causes occur in one or more contracts in the set of historical contracts, where two root causes co-occur if both root causes are in the same cluster. | 2015-10-15 |
20150294250 | BUILDING CONFIDENCE OF SYSTEM ADMINISTRATOR IN PRODUCTIVITY TOOLS AND INCREMENTAL EXPANSION OF ADOPTION - A system management tool, with a risk assessment mode enabled, is executed within an execution infrastructure on a management computer system, to manage a target computer system in a production situation. When the execution of the tool reaches a risk segment which raises risk for the target system, a user is informed of at least one action to be executed in the risk segment. If the user agrees, the tool is allowed to execute in an automatic mode until an end of the risk segment is reached. Feedback is obtained from the user regarding safety of the risk segment; and the steps are repeated for a plurality of additional risk segments until the tool is deemed safe for all of the risk segments, after which the tool is transitioned from the risk assessment mode to an automatic mode of operation. | 2015-10-15 |
20150294251 | DISTRIBUTED TASK SCHEDULING USING MULTIPLE AGENT PARADIGMS - A computer-implemented method for assigning tasks to a plurality of agents includes determining, by a processor, a stance for an agent of the plurality of agents; and, when an unassigned task is available, assigning, by the processor, the unassigned task to an agent in the second stance. The stance is selected from the group consisting of a first stance and a second stance. Determining the stance is based on whether an unassigned task is available. The first stance relates to balancing tasks among the plurality of agents and the second stance relates to maximizing an amount of tasks assigned to a subset of the plurality of agents. | 2015-10-15 |
20150294252 | METHOD FOR STOCK-KEEPING AND/OR PRODUCTION OPTIMIZATION AND METHOD FOR PRODUCING A VEHICLE INTERIOR TRIM PART - A method for stock-keeping and/or production optimization for at least one product and components thereof, comprising the provision of a first computer means connected to at least one first database; at least one second computer means connected to at least one second database; wherein the second database is connected to the first computer and each second computer means is connected to the first database, wherein the first and/or second databases has/have data about current inventory of the product and/or its components and production planning therefor, and each first computer means identifies all components of the product and the associated databases; each first computer means ascertains the current inventory; each first computer means ascertains the production planning; each first computer means compares the current inventory and the production planning with at least one order for the product, which is present in the database and/or another system component. | 2015-10-15 |
20150294253 | POINT OF ENTRY ON USER INTERFACE - Customizable swim-lanes are provided on a user interface (UI) to gain a single point of entry into a multitude of work-items associated with a corresponding business process. To generate the single point of entry, parameters associated with the work-items are analyzed and rendered on the UI. Based upon a selection of one or more parameters, UI elements are generated to execute functionalities associated with the work-items. The generated UI elements and the associated work-items are orchestrated into a plurality of clusters based on the selected parameters. A single point of entry is provided by generating a plurality of customizable swim-lanes and rendering the plurality of customizable swim-lanes on the UI. The customizable swim-lanes provide the single point of entry to the plurality of UI elements to execute functionalities associated with the plurality of work-items. | 2015-10-15 |
20150294254 | DYNAMIC AND INTELLIGENT MULTI-TRIGGERED ITEM REVALIDATION BASED ON PROJECTED RETURN ON INVESTMENT - Provided are techniques for item revalidation based on projected Return On Investment (ROI). In response to one or more triggers, an amount of time that it would take to update an item and a return on investment of updating the item are estimated based on historical data for similar updates that have been made to at least one of the item and another item, and it is determined whether to update the item based on the estimated amount of time and the estimated return on investment. | 2015-10-15 |
20150294255 | PERFORMANCE ANALYSIS OF ORGANIZATIONAL PROGRAMS - The present subject matter relates to performance evaluation, and in particular, relates to a parameter-based performance analysis of an organizational program. The method comprises receiving program specification associated with the organizational program. Further, a set of performance parameters may be selected from among a plurality of performance parameters being provided to a user. The plurality of performance parameters pertain to an analysis category. Further, a parameter score for the organizational program, with regard to each of the set of performance parameters, may be determined, based on predefined scoring criteria of the organizational program pertaining to the corresponding performance parameter. Subsequently, an overall performance index may be ascertained by consolidating the parameter score corresponding to each of the set of performance parameters, based on a weight assigned to each performance parameter. The organizational program can be updated, based on at least one of the parameter score and the overall performance index. | 2015-10-15 |
20150294256 | SCENARIO MODELING AND VISUALIZATION - A user provides inputs to model scenarios for which data is to be reported. These scenarios are modeled by aggregating events into activities that are then aggregated, themselves, into scenarios. A scenarios analyzer accesses data logs to extract and analyze data for the modeled scenario. The analyzed data is visualized as a histogram with roll up and drill down functionality. | 2015-10-15 |
20150294257 | Techniques for Reducing Employee Churn Rate - A system is described for reducing employee churn rate in an organization. The system generates a baseline model that represents the satisfaction of employees in the company based on a multiple employee metrics. Employee values are then generated for a selected employee according to employee data collected on the employee. The baseline model is applied to the employee values to generate an overall employee satisfaction score. Depending on the score, a determination is made as to the likelihood that the employee will leave the organization. Corrective actions to improve the employee satisfaction score can optionally be generated. | 2015-10-15 |
20150294258 | Method and System for Prioritizing and Allocating Well Operating Tasks - A method for managing well construction operations includes accepting as input to a computer a list of tasks required to complete construction of at least one wellbore, the list of tasks having at least an initial chronological order. Measurements of at least one parameter related to at least one task on the list of tasks is entered into the computer. The list of tasks is prioritized by at least one of changing a chronological order of performance or a length of time to complete at least one of the tasks based on measurements of the at least one parameter. The prioritizing is performed to optimize at least one well construction performance parameter. The prioritized list is displayed to at least one user of the computer. | 2015-10-15 |
20150294259 | CONVERSATIONAL TASKING SYSTEM - A system and method for conversational tasking, including: providing a messaging client that enables a corresponding user of a set of users of a conversational tasking system to create an assigned task by composing a message describing the assigned task using conversational language; extracting the assigned task from the message; and posting the assigned task to an assigned task store that enables the users to access and update a status of the assigned task posted in the assigned task store. | 2015-10-15 |
20150294260 | Dynamic Cubby Logic - Systems, methods, devices, and non-transitory media of the various embodiments provide dynamic cubby logic that enables cubbies of a put wall to be assigned to orders as items for the orders are received at the put wall. In an embodiment, batches or waves of orders may be generated and released without cubbies of a put wall assigned to the orders. As the first item for an order is detected at the put wall a cubby from the available cubbies of the put wall may be selected for the order and all items of the order may be assigned the selected cubby. The cubby may be selected from the available cubbies based at least in part on a priority among the cubbies of the put wall. | 2015-10-15 |
20150294261 | PACKAGE DELIVERY SYSTEMS AND METHODS - Methods and support systems for synchronizing delivery time and place of a deliverable item to consumers, the method including, upon receipt of the deliverable item at a pre-designated shipping address, establishing communication via a communication network with a communication device of a discrete consumer who purchased the deliverable item from an online merchant; and arranging a delivery date and time for transporting the deliverable item from the pre-designated shipping address to a desired final shipping address over the communication device of the discrete consumer. | 2015-10-15 |
20150294262 | DETERMINING DELIVERY WINDOWS FOR ITEM DELIVERY BASED ON CUSTOMER AND/OR ITEM LOCATION - Systems, methods, apparatus, and computer program products are provided for programmatically determining/identifying one or more delivery windows in which an item is available to be delivered and allowing customer selection of one of the delivery windows. One example embodiment may include a method comprising receiving customer location information indicative of a customer location and determining one or more time frames from a plurality of time frames in which delivery of the item is available based on the customer location. The method may also comprise allowing an authenticated customer access to each of one or more features of a carrier system via login information/data associated with the retailer system. | 2015-10-15 |
20150294263 | SHIP PERFORMANCE ANALYSIS AND LOG MANAGEMENT - A system for management of operations of one or more vessels is disclosed, comprising a land-based server coupled to one or more business databases, wherein the business databases comprises business data including financial data and inventory data, a vessel-based server coupled to one or more sensor modules configured to collect voyage related data; and a contextual engine coupled to the land-based server and the vessel-based server via a network. The contextual engine is configured to synchronize the voyage data and the business data, and produces a context specific management framework using the synchronized voyage data and the business data. | 2015-10-15 |
20150294264 | THRESHOLD REVENUE MANAGEMENT WITH LIMITED FORECASTING - Techniques are disclosed for adjusting inventory allocations assigned to system elements published to a reservation and booking system. In particular, inventory allocations assigned to a system element may be adjusted based on deviations from a target utilization level assigned to that element. For example, in the context of an airline pricing and reservation system, a threshold revenue management (RM) system may adjust fare class level (FCL) allocations for a published flight. As disclosed, the threshold RM system may make across-run adjustments when a flight is published in a booking system and across-DCP adjustments after the flight is published. Doing so may both improve revenue as well as help ensure a flight realizes an assigned load factor target at departure. | 2015-10-15 |
20150294265 | SYSTEMS AND METHODS FOR DELIVERING PACKAGES - Systems and methods in which parcels intended to be delivered to recipients are shipped to a common location and items going to a same address are consolidated into one or more packages and delivered to the recipient in a single shipment/delivery based on a predetermined schedule. The systems and methods also provide for a recipient to return an item. The recipient may enter an address and view an estimated time when a delivery vehicle will be at or near the entered address to pick up the return item. | 2015-10-15 |
20150294266 | DELIVERY OF PHYSICAL OBJECTS TO NON-FIXED END POINTS - A delivery method provides for the delivery of an item to a mobile (non-stationary) customer. Order information is obtained from a mobile device of a customer, which includes information about the item to be delivered and a current location of the customer. Delivery information is then provided to a mobile device of a delivery person. The delivery information includes the current location of the customer. While the delivery person is en route to the customer, customer location updates are repeatedly obtained from the mobile device of the customer and used to provide updated customer location information to the mobile device of the delivery person. | 2015-10-15 |
20150294267 | METHOD AND DEVICE FOR DELIVERING OF TIRE BALANCING WEIGHTS - A method and a device are disclosed for providing and delivering of tire balancing weights and supplies, specifically in wheel and tire workshops. A rack comprises slides bearing trays containing balancing weights and/or other articles. Sensors are provided for detecting the number of trays on the slides. If a slide is detected as empty or a certain number of articles have been taken out of the trays, replacement parts are automatically ordered via a network by generating ordering information and providing these to a supplier. The supplier instructs a manufacturing and delivery site for manufacturing and/or delivering the articles which are then delivered by a delivery service to the workshop. | 2015-10-15 |
20150294268 | PRORATION CALCULATION IN A LOGISTICS MANAGEMENT SYSTEM (LMS) - Shipping costs may be prorated in advance of accepting the reservation for transporting cargo, such as by determining whether the cargo is profitable for the LMS client, The proration may he performed according to a special prorate agreement (SPA). A method for calculating the prorated amounts may include receiving a segment and a carrier for shipping cargo, determining if a special prorate agreement (SPA) exists for the segment, and calculating, when the SPA exists, a proration amount for the segment based, at least in part, on the SPA. A decision may be made to accept the reservation or not based on whether the reservation is profitable by comparing the calculated amount to a hurdle rate. | 2015-10-15 |
20150294269 | METHOD AND SYSTEM FOR HIERARCHAL EVENT MANAGEMENT - A method and system is disclosed for providing hierarchal organization and communication in real time within an event management framework. The present invention efficiently coordinates and communicates information and events in real time within the system and transmits such messages to a desired recipient. | 2015-10-15 |
20150294270 | SYSTEM FOR MONITORING AND REVIEWING APPLICATION ACCESS - The present invention is directed to an apparatus, a method, and a computer program product for reviewing employee access within an application. A software-based tool enables a user to determine if an employee's current level of access to application functions matches an expected level of access to application functions. Modifications to the employee's level of access are recommended if it is determined that the current and expected levels of access do not match. | 2015-10-15 |
20150294271 | GOTGURU SYSTEM - A method and apparatus can provide online assessment of employment candidates, and includes an online skills test with a test verification system, interview, and reference check. The method and apparatus additionally can include a member system, and can further provide a talent auction system. | 2015-10-15 |
20150294272 | RECRUITING SERVICE GRAPHICAL USER INTERFACE - A recruiting service is disclosed that generates profiles of software developers having specific skills. Public code repositories are examined to identify projects of software developers. The projects are analyzed to estimate the number of years of experience a software developer has with an individual language and determine a score with respect to other developers. Social media information and a messaging link may also be provided with each profile. A graphical user interface for displaying the information is disclosed. | 2015-10-15 |
20150294273 | Time Zone Sensitive Calendar - Methods, computer-readable storage mediums and systems provide for displaying a time zone sensitive calendar. According to aspects of the disclosure, information is accessed that is associated with the time zone sensitive calendar. The information is used in determining the different time zones to include in a calendar view. Each of the different time periods in the calendar view are associated with one of the time zones. The calendar view for the time zone sensitive calendar is then displayed. | 2015-10-15 |
20150294274 | SYSTEM AND METHOD FOR STUDENT ATTENDANCE MANAGEMENT - A system and method for student attendance management are disclosed. A particular embodiment includes: installing a site-resident data collection module in a site location; using the site-resident data collection module to collect student information, attendance data, and other site data from the site location; transferring the site data to a host location; performing data transformation and normalization operations on the site data to convert the site data to a common format, the data transformation and normalization operations including district-specific data transformation rules; performing district configuration operations to configure rules specifying how and when alerts can be sent to recipients based on the site data; and performing scheduling and reporting operations to generate and distribute alerts, including attendance letters, to recipients based on the site data and the configured rules. | 2015-10-15 |
20150294275 | VISUALIZATION AND ANALYSIS OF SCHEDULING DATA - Methods and structure for presenting and analyzing schedule data. One exemplary embodiment is a system that includes an interface and a controller. The controller is able to identify a schedule comprising multiple events occurring over a length of time, to select a cyclic period within the length of time, and to generate a representation of the length of time as a view of a three dimensional (3D) helix wherein each revolution of the 3D helix corresponds with an iteration of the cyclic period. The controller is also able to determine an event location for each of the events along a path defined by the 3D helix, and to direct the interface to transmit instructions for presenting the 3D helix and the event locations via a display. | 2015-10-15 |
20150294276 | APPOINTMENT MANAGEMENT SYSTEM AND METHOD - There is disclosed an integrated appointment management system for managing appointments with a plurality of service professionals, the service professionals each associated with a different service provider. The system comprises a downloadable service professional appointment management applet for execution on a mobile communications device, a service provider portal comprising a calendar application and a data communications system for interconnecting said appointment management applet with each of said calendar application. The data communication system can be integrated to collect, store, analyze and/or carry a data stream (for example but not limited to medical, pharmacological, physiological or any other data) and designed to interface with a network of sensors, actuators and other communication devices such as but not limited to the Internet of Things (IoT) devices that are either embedded, whether portable or not. The data stream is used to facilitate an efficient interchange of information between the user and service provider. | 2015-10-15 |
20150294277 | INTEGRATED PART INVENTORY MANAGEMENT SYSTEM AND METHOD - A method includes receiving, by an inventory management system (IMS) program executing on a computing device, a remaining useful life (RUL) formulation for a part of a machine that estimates an amount of time for which the part will continue to perform its intended function and a potential unscheduled maintenance event. The method also includes receiving, by the IMS program, replacement part order lead time data and anticipated replacement part inventory level data from a part inventory database. The method also includes determining, by the IMS program and based on the RUL formulation, the replacement part order lead time data, and the anticipated part replacement inventory level data, that an order for a replacement part should be initiated. | 2015-10-15 |
20150294278 | System and Method for Recycling Electronics - A kiosk for recycling electronics, comprising security features that prompt it to reject stolen or possibly stolen devices. | 2015-10-15 |
20150294279 | It will allow people to transfer money, goods, and services all over the world using a secure website that will connect all parties. - My invention will allow people to transfer money, goods and services all over the world using a secure website. This service will allow people to meet face to face to give and collect funds, goods or services as soon as they desire and it will eliminate currency issues. With our live chat, people will be able to see who they are trading with on a computer, smart phone or tablet. The translating capability on the website will eliminate any language barriers so that everybody will understand each other regardless of their location or language. Both parties will be able to track each other's where about any way that they choose to. If one party is not happy with the other party they can find hundreds of other parties willing to trade in the same state or country. | 2015-10-15 |
20150294280 | METHODS AND APPARATUS FOR ALLOCATING FUNDS BASED ON PAYMENT OBLIGATIONS - Methods and apparatus for allocating funds based on payment obligations are disclosed. In response to a transaction on an account, transaction data for the transaction is compared to one or more transaction rules to determine if a payment obligation is applicable to the transaction. In some embodiments, the transaction rules provide an algorithmic representation of an agreement between a transaction recipient and one or more parties of the agreement. Responsive to determining that the payment obligation is applicable to the transaction, an allocation of funds based on the algorithmic representation of the agreement between the transaction recipient and the one or more parties of the agreement, is calculated. A record of the allocation of funds is stored on a storage device. | 2015-10-15 |
20150294281 | Method for Retail On-Line Account Opening With Early Warning Methodology - A system and method for a retail customer interfacing with a financial institution through a computer network is presented. The method includes an early warning evaluation of the customer and/or entities associated with the customer to identify fraudster/abusers and prevent them from opening online accounts at the financial institution. | 2015-10-15 |
20150294282 | SELF-SERVICE CHECK CASHING SYSTEM AND METHOD - A self-service check cashing system and method which performs preliminary tests on a check to reduce queue length at attendant check cashing stations. An example method includes obtaining an amount of a check from a customer by the self-service terminal, obtaining information from an image of a check by the self-service terminal, performing a plurality of tests by the self-service terminal, including tests using the information from the image to determine whether the check was properly completed; and displaying instructions to the customer by the self-service terminal to go to an attendant terminal to complete a second phase of the check cashing transaction when the self-service terminal determines that the test results were positive. | 2015-10-15 |
20150294283 | PERSONAL IDENTIFICATION VALIDATOR AND METHOD - A banknote validator integrated into an automated machine having a personal identification data collection apparatus and method integrated therein. The system utilizes the banknote image acquisition device, a separate image acquisition device, a computer readable data storage reader and/or an external personal identification data acquisition member for obtaining information from a personal identification reference, such as a state identification card. The system can utilize the personal identification data to determine if the individual is authorized to or restriction from use of the automated machine, provide security to operation of the machine, and create and utilize a relationship between the individual associated with the personal identification and other cards (such as financial cards, facility related cards, etc.) for use in a transaction. | 2015-10-15 |
20150294284 | Subscription Bill Service, Systems and Methods - A number of sets of methods, systems, and apparatuses applicable to transactions are disclosed. One set includes transaction systems configured to reconcile a transaction among multiple provider accounts or user accounts via derived object attributes and reconciliation matrices. Another set includes methods of reconciling payment of a coupon. Another set includes transaction apparatuses configured to derive object attributes from digital representations to identify purchasable items. Still another set includes methods of mitigating risk of transaction fraud. | 2015-10-15 |
20150294285 | System and Methods for Recovery of Legal Damages Across Borders - An integrated system and method of contract creation and management geared toward aiding the rental industry in recovery of damage losses from U.S. Nationals who rent abroad. | 2015-10-15 |
20150294286 | Method for the capturing and payment of parking transactions - In a method for capturing and paying parking transactions in parking facilities, a user, when entering the parking facility, reads out with a mobile terminal an entry identifier from an entry control device allocated to the parking facility entry, the mobile terminal stores the entry identifier in a memory or transmits the entry identifier together with an identifier of the mobile terminal to a background system, the user, when exiting the parking facility, reads out with the mobile terminal an exit identifier from an exit control device allocated to the parking facility exit, the mobile terminal transmits the entry and exit identifiers or transmits the exit identifier together with the identifier of the mobile terminal to the background system, the background system calculates the parking duration and fee exclusively based on data of the entry identifier and the exit identifier, and the parking fee is charged to the user. | 2015-10-15 |
20150294287 | METHOD AND SYSTEM FOR IMPLEMENTING POINT OF SALE MOBILE CONVERSION KEY - A method for processing a contactless payment transaction using a traditional point of sale includes: coupling, to a point of sale device, a removable computing device; detecting, by the removable computing device, an external computing device; establishing, by the removable computing device, communication with the external computing device by a wireless communication protocol; receiving, by a receiver of the removable computing device, payment details associated with a payment account; formatting, by a processor of the removable computing device, the received payment details for inclusion in an authorization request for a payment transaction; and transmitting, by a transmitter of the removable computing device, the formatted payment details to the point of sale device. | 2015-10-15 |
20150294288 | SYSTEM AND METHOD FOR REMOTE MANAGEMENT OF SALE TRANSACTION DATA - This invention discloses a novel system and method for providing retail point of sale terminals that are connected securely over the Internet to a back-office service that manages the retailer's data as a service using a system that supports more than one retailer, each of which will have one or more point of sale terminals. The system is adapted to provide a function to manage open checks that correspond to retail customers whose transactions are pending. The system is also adapted to permit service personnel to manage open checks by splitting them into multiple checks or merging multiple checks into one check. | 2015-10-15 |
20150294289 | SYSTEM AND METHOD FOR ELECTRONICALLY PROVIDING RECEIPTS - Systems and methods are provided for facilitating the automatic transmission of an electronic receipt to a user conducting a financial transaction at a computing device. The systems and methods described herein enable a series of operations whereby a user can conduct a transaction at a computing device and the computing device can automatically read user-account information and one or more electronic contact addresses which are stored in the memory of the user's personal transaction device. The system can also process the transaction and automatically transmit an electronic receipt to the electronic contact address providing an automated transaction experience that does not require the user to actively input an electronic contact address into the computing device in order to have the receipt transmitted electronically. In addition, the system thereby facilitates private transaction as opposed the unsecured and time-consuming process of manually entering a contact address. | 2015-10-15 |
20150294290 | WATCH FOR MOBILE PAYMENT AND THE PAYMENT METHOD WITH THE WATCH - Disclosed is a card payment apparatus. An aspect of the present invention is directed to provide a card payment apparatus, which is accessed to a portable communication apparatus or a computer without a card terminal, and then, performs a payment process by using a contactless card or a contact card. | 2015-10-15 |
20150294291 | SPLIT MESSAGE INITIATED PAYMENT SYSTEM, METHOD AND APPARATUS - A system, method, and computer-readable storage medium configured to split a payment card transaction into separate channels with a merchant bill message and cardholder payment message. | 2015-10-15 |
20150294292 | GASTRONOMY PAYMENT SYSTEM USING GEOTAGGING AND MOBILE DEVICES - Methods and systems for gastronomy payment using geotagging and mobile devices may enable a user to browse and select restaurants using a mobile device, such as a smartphone. Menu items for a selected restaurant may be viewed and ordered after the user provides payment information to a gastronomy payment system, including authorization to charge the user for ordered menu items. The user may monitor a status of the order at the selected restaurant, which may receive a credit for the order from the gastronomy payment system. The gastronomy payment system may automatically charge the user for the order upon detecting that the user is no longer located at the restaurant. The gastronomy payment system may include a recommendation engine for recommending menu items based on user preferences or a history of ordered menu items. | 2015-10-15 |
20150294293 | MOBILE PAYMENT METHOD AND A SYSTEM THEREFORE - The invention relates to a method and a system adapted to the payment of goods through a retailer point of sale terminal ( | 2015-10-15 |
20150294294 | METHOD AND APPARATUS FOR FACILITATING PAYMENT VIA MOBILE NETWORKS - A method and apparatus for facilitating payments for transactions, via mobile devices and mobile telecommunications networks, is disclosed. In an embodiment, a product provider is provided with a code, such as a QRcode, which contains or references payment details for purchase of the product. A mobile user of the application scans the code and is connected to their internet banking application. The payment details are transferred to the internet banking application and the mobile user confirms that the transaction should proceed. Payment is made without any secure details being provided to the product provider. | 2015-10-15 |
20150294295 | Integrated RFID Capable Communication Device - Various switchable RFID devices are disclosed. These switchable RFID devices may include one or more RFID tags and one or more switches. Some of these one or more switches are optionally wireless. In various embodiments, the switchable RFID devices include cellular phones, security devices, identity devices, financial devices, remote controls, and the like. In some embodiments, switches are configured to enter data into a switchable RFID device, for example to select a financial account. | 2015-10-15 |
20150294296 | SYSTEMS AND COMPUTER-IMPLEMENTED PROCESSES FOR PROVIDING ELECTRONIC NOTIFICATIONS - Systems and methods are disclosed for providing account balance notifications. The disclosed embodiments generally relate to using transmitters to activate a mobile application to request financial account information, such as an account balance, and display the requested information, via the mobile device, before the customer uses an automated teller machine (ATM) or conducts a transaction at a bank branch. In certain embodiments, the transmitters are low energy transmitters. Other aspects of the disclosed embodiments are described herein. | 2015-10-15 |
20150294297 | SYSTEM AND METHOD FOR INTER-BANK AND INTRA-BANK MOBILE BANKING COMMUNICATIONS AND TRANSFERS - Systems and methods for inter-bank and intra-application mobile banking communications and transfers including receiving a communication from a requesting device regarding a funds transfer, processing the communication to determine relevant funds transfer request details and initiating a communication window to allow fluid communication between a requestor and responder(s) regarding the funds transfer request. | 2015-10-15 |
20150294298 | TRANSPORTATION BOARDING SYSTEM USING GEOTAGGING AND MOBILE DEVICES - Methods and systems for bus boarding use geotags that are generated when a mobile device of a bus passenger passes in proximity to embark gates and disembark gates installed in buses of a bus system. The mobile device may be registered with a customer information database of the bus system and may provide a bus passenger identifier to identify the bus passenger at a time and a location when embark geotags and disembark geotags for a bus trip are generated. The embark and disembark geotags may be used to charge the bus passenger for the bus trip. | 2015-10-15 |
20150294299 | ACCEPTANCE QUALITY IMPROVEMENT USING LOCALIZATION DATA TO ADJUST CONTACTLESS PAYMENT - A method may include requesting payment infrastructure data from a payment device reader. The method may further includes receiving payment infrastructure data from the payment device reader. The payment infrastructure data that is received may be indicative of a country in which the payment device reader is installed. In addition, the method may include selecting data for transmission to the payment device reader based at least in part on the received payment infrastructure data. | 2015-10-15 |
20150294300 | Techniques for Checking into a Retail Establishment - Techniques for checking into a retail establishment are provided. A retailer provides a substrate having a magnetic-field encoded tag. A consumer waves the consumer's device over the tag to electronically capture the magnetic-field encoded tag. The consumer's device is used to communicate the tag to a retailer to validate that the consumer is physically present and now checked into the retail establishment of the retailer. | 2015-10-15 |
20150294301 | METHOD FOR PURCHASING A PRODUCT USING A PORTABLE COMMUNICATION DEVICE - Method for purchasing a product using a portable communication device ( | 2015-10-15 |
20150294302 | COMPUTER SERVER SYSTEMS AND METHODS FOR DEFINING TRIGGER-BASED RULE SETS FOR EVALUATING ELECTRONIC-BASED INTERACTIONS BY A USER - An offer management system is provided that evaluates conditions in relation to a gift card and triggers an action. In another example, the offer management system may be capable of evaluating attributes of a transaction using a gift card and may be capable of triggering an action. A trigger may be defined using one or more rules. For example, an administrator for a retailer may configure an offer rule in an interface of the offer management system. These rules may be evaluated in real-time, and offers made responsive to those evaluations. For example, offers may be made to a gift card recipient such as a discount on the total purchase, a dynamic addition of value to a gift card, issuance of a new gift card, or other offer. These offers may be used by a retailer to foster certain behaviors relating to gift cards. | 2015-10-15 |
20150294303 | WEARABLE DEVICE AS A PAYMENT VEHICLE - The present invention is directed to apparatuses, methods, and computer-program products for a multipurpose wearable device that is associated with one or more financial accounts wherein, in use, the wearable device is configured to facilitate a financial transaction using at least one of the one or more financial accounts. The wearable device comprises: a wearable article, wherein the wearable article comprises one or more features securing the wearable article to a person or an item associated with the person; and a portion comprising a machine-readable indicia, wherein the machine-readable indicia, when successfully read, provides payment information for conducting a financial transaction. | 2015-10-15 |
20150294304 | SECURE PAYMENT METHODS, SYSTEM, AND DEVICES - Methods, systems, and devices for securely processing transactions using payment cards are disclosed. A transaction may be initiated using an identification value corresponding to a mobile device. The mobile device may then be contacted by remote servers to obtain payment card information. The mobile device may obtain the payment card information directly from a payment card that is present at the mobile device during the transaction. | 2015-10-15 |
20150294305 | Once Card Number Generation and Validation Method and Apparatus - A once card transaction system comprises a once card embedded with a once card number generator. The embedded once card number generator is able to communicate a once card number with a swipe card reader through the magnetic stripe emulator interface on the back of the card for in-store transaction or display it at the front of the card for online transaction. The embedded once card number generator is capable of generating an unpredictable once card number inside the once card without communicating with a central server. This distributedly generated once card number can be approved by an authentication entity by a valid OCN hashing list, and once the number is transacted, it is put on a rejection list. | 2015-10-15 |
20150294306 | USER AUTHENTICATION BY TOKEN AND COMPARISON TO VISITATION PATTERN - Embodiments are directed to receiving a token from a wearable device carried by a customer, the token for user authentication based on a visitation pattern of the customer. Embodiments include receive, from the wearable device carried by the customer, the token comprising user authentication information associated with the customer, wherein receiving the token indicates a current visit of the customer to the financial institution location; access, based at least in part on the user authentication information, a visitation history from a customer profile associated with the customer; determine, based at least in part on the visitation history, whether the current visit falls within a recognized visitation pattern; and authenticate, based at least in part on the determination, the customer for performing a transaction at the financial institution location. | 2015-10-15 |
20150294307 | USER AUTHENTICATION BY OPERATING SYSTEM-LEVEL TOKEN - Embodiments are directed to communicating an operating system-level token for user identification and/or authentication. Embodiments store a token at an operating system-level, wherein the token is accessible by an operating system running on the apparatus, and wherein the token comprises user identification information and/or user authentication information; and in response to an initiating event, initiate communication of the token to a second apparatus external to the apparatus. Some embodiments include initiation of an operation system-level instruction set for periodically, continuously, or in response to detecting a request, initiating communication of the token. | 2015-10-15 |
20150294308 | DIGITAL CURRENCY MINING CIRCUITRY - Mining circuitry may be used to mine digital currency such as bitcoins by computing solutions to a cryptographic puzzle. Successful computation of a solution to the cryptographic puzzle may provide a reward of the digital currency. The mining circuitry may partition the mined reward between a first digital wallet and a second digital wallet. The first digital wallet may be user-provided, whereas the second digital wallet may be hardcoded into the dedicated mining circuitry. The mining circuitry may include control circuitry and multiple processing core circuits. The control circuitry may control the processing cores to solve the cryptographic puzzle via exhaustive search over possible inputs to the cryptographic puzzle. | 2015-10-15 |
20150294309 | Method, Device and Service Provision Unit for Authenticating a Customer for a Service to be Provided by the Service Provision Unit - Method, device and service provision means for authenticating a customer for a service to be provided by a service provision means. The invention relates to a method for authenticating a customer for a service to be provided by a service provision means. The method comprises the steps of: authentication of a customer as member of a defined customer group on the service provision means by means of a first group signature assigned to the defined customer to prove authorization of the customer to avail himself of a service; request for the service from the service provision means by the authenticated customer; and authentication of the customer as a member of the defined customer group by means of a second group signature assigned to the defined customer group to demonstrate the customer's consent to a billing process for billing the requested service at the billing centre. The method allows for a secure use of the service while assuring the customer's anonymity. The invention further relates to a device for performing the method and a service provision means. | 2015-10-15 |
20150294310 | TRANSACTION SYSTEM AND TRANSACTION METHOD - Provided are a transaction system and a transaction method. The transaction system comprises: a first electronic signature tool for making a first signature on transaction data and sending the transaction data subjected to the first signature to a network bank server; the network bank server for receiving the transaction data sent by the first electronic signature tool having been subjected to the first signature and performing authentication thereon, and sending the transaction data to at least one second electronic signature tool after the authentication has passed; and the at least one second electronic signature tool for receiving the transaction data sent by the network bank server, performing verification on the transaction data, receiving confirmation information input by a user after the verification has passed, and making a second signature on the transaction data and sending the transaction data having been subjected to the second signature to the network bank server. The present invention ensures the security of a transaction process, realizes remote transaction in the case that a transaction initiation party and a transaction confirmation party are not present simultaneously, and is convenient to use and strong in security. | 2015-10-15 |
20150294311 | EFFICIENT SERVICE AUTHORIZATION AND CHARGING IN A COMMUNICATION SYSTEM - An approach is disclosed for service authorization and service charging in a communication network relying on executing a real time service authorization for a requested service by determining an upper estimate of a service charge for the requested service, comparing the upper estimate with a balance value of an account used for charging the requested service and when affirmative authorizing the requested service. Then follows a calculation of an accurate service charge for the requested service in a batch mode without real time requirements after the real time service authorization. | 2015-10-15 |
20150294312 | SYSTEMS AND METHODS FOR INITIATING AND AUTHORIZING TRANSACTIONS USING A DETECTABLE DEVICE - A system for initiating and authorizing a transaction including one or more memory devices storing instructions and one or more processors configured to execute the instructions to associate a detectable device with at least one financial account. The one or more processors may be further configured to receive a notification indicating that the detectable device is involved in a potential transaction initiated by a sensor device detecting the detectable device in an initiating action. The one or more processors may be further configured to receive transaction information associated with the potential transaction. The one or more processors may be further configured to identify a customer profile associated with the detectable device, and determine whether the potential transaction is authorized by a customer based on the transaction information and at least one profile customization parameter associated with the customer profile. | 2015-10-15 |
20150294313 | SYSTEMS, APPARATUS AND METHODS FOR IMPROVED AUTHENTICATION - Multi-factor authentication techniques are described that use secure push authentication technology for transactions. An embodiment includes receiving, by an assurance platform operating as an authentication service platform, a user authentication request and transaction data from an access control server (ACS), determining an authentication rule, generating a user validation request message, transmitting the user validation request message to a user mobile device, and receiving user authentication data. The assurance platform then validates the user authentication data, transmits a device authentication request, receives a device authentication response signed with a private key of the user, and authenticates the user based on the device authentication response and private key. | 2015-10-15 |
20150294314 | SYSTEM AND METHOD OF PROVIDING MULTINATIONAL CARD PROGRAMS - A method for facilitating a transaction includes: storing card association data entries, each including at least a card association number (ICA), a country associated with the ICA, and a plurality of bank identification numbers (BINs) associated with the ICA; receiving a number request originating from a first country and identifying a second country; identifying a specific data entry where the included country corresponds to the second country; identifying a subset of BINs of the plurality associated with the ICA in the specific data entry; transmitting the identified subset of BINs; receiving an authorization request for a financial transaction originating from the second country and including at least a payment card number, the number being associated with a BIN included in the subset of BINs; processing the financial transaction as a local transaction and not a cross-border transaction; and transmitting an authorization response indicating approval or denial of the financial transaction. | 2015-10-15 |
20150294315 | PAYMENT PROCESSING USING MULTIPLE TRANSACTION CHANNELS - A method includes receiving, from a payment intermediary, a request for approval of a card-not-present payment transaction between a customer and a merchant. The request for approval includes transaction details indicative of a credit account of the customer. The credit account established at an issuing institution. The method also includes transmitting the request for approval to the issuing institution. The method further includes receiving an authorization response from the issuing institution, the authorization response indicative of whether the card-not-present payment transaction is approved. The method additionally includes transmitting the authorization response to a terminal of the merchant, the request for approval not originating from the terminal. | 2015-10-15 |
20150294316 | SYSTEMS AND METHODS FOR ACCESSING RECORDS VIA DERIVATIVE LOCATORS - Systems and methods are provided for accessing records using derivative locators. An open financial transaction may be initiated by a consumer at a merchant. The merchant may provide information relating to the transaction, which may include information about the consumer's device, to a repository. The merchant may provide transaction information to the acquiring bank, which may provide transaction to the global financial network, which may provide transaction information to an issuing bank. One or more requesting party (e.g., one or more of the acquiring bank, global financial network, or issuing bank) may formulate a derivative locator based on the transaction information received. The derivative locator may function as an index through which records in the repository may be accessed by the requesting party. A time comparison may be made in assisting with accessing the correct record in the repository. The requesting party may determine whether to accept or decline the transaction, optionally with the aid of the information accessed from the repository. | 2015-10-15 |
20150294317 | SYSTEM AND METHOD FOR SECURELY TRANSMITTING DATA USING VIDEO VALIDATION - A system and method is disclosed for secure transmission of electronic information between two parties. A first data communication session between a first computing device and a second computing device, wherein the first data communication session is via a first communication protocol. Further, the first computing device transmits first information via the first communication protocol that is received by the second computing device via the first communication protocol. During the first communication session, a second data communication session is provided between the first computing device and the second computing device. The second communication session is via a second communication protocol, which is more secure than the first communication protocol. The first computing device transmits second information via the second communication protocol that is received by the second computing device the second information via the second communication protocol. The second information relates at least partially to the first information. Moreover, the second communication session appears to a user of the first computing device to be the first communication session. | 2015-10-15 |
20150294318 | INTERACTIVE AND CUSTOM-SUPPORT KIOSK, METHODS AND SYSTEM - An interactive and custom support kiosk is disclosed. In one embodiment, a kiosk is provided including a user attribute identification system and a region-specific linkage. The user attribute identification system may be a user language identification system where the user's preferred language may be detected. With detection of a user's preferred language, the kiosk may display a language-customized display with customized features based on the identified language. In some embodiments, the customized features may include a language-based experience format similar to a user's experience which would be expected in the user's home geography. In some examples, a second level of interaction may be provided wherein the user may be connected to a region-specific operator. The operator may provide immediate live help or assistance through the kiosk. In addition, security controls may be provided with the interactive language and custom support kiosk. | 2015-10-15 |
20150294319 | System and method for assuring a correct performance of a manual operation - A system is disclosed that ensures the proper execution of a manual operation of an equipment according to a procedure, including a measuring device mounted in association with the equipment, the measuring device being adapted to measure a condition of the equipment before, during and after the execution of the operation on the equipment, a micro-transmitter attached to the measuring instrument, which wirelessly sends the measurement value and the changes of the measurement value caused by the operation, the micro transmitter's identity and position to a communicator, the communicator being adapted to verify the received data against the expected state of the equipment according to the procedure, wherein the procedure is stored in the communicator or transferred from a system computer to the communicator, a discrepancy between expected state and measurement data triggering an alarm in the communicator or in other equipment that the operation is not executed according to the procedure. | 2015-10-15 |
20150294320 | Method for Determining if a Used Electronic Device Belongs to a User - A method for determining whether a used electronic device has theft-detection software turned on. Such a method may be used at a repurchase facility or an automated kiosk to reject devices that may be stolen. | 2015-10-15 |
20150294321 | Review system with location-verified reviews - In general, the subject matter described in the specification can be embodied in methods, systems and program products for an improved review system with location-verified reviews. The system verifies a user's location using one or more available sources, such as geographic location by global positioning system (GPS), cellular localization systems, or wireless local area network (WLAN). The user confirms the business or attraction at the current geographic location that the user would like to review. The system then accepts a review of the business or attraction at the current geographic location. The review is indexed for retrieval. Preferably, the system includes a delay before indexing a review, wherein the management of the business or attraction is notified of the review so that it can respond to any complaints in the review before it is made available for retrieval. | 2015-10-15 |
20150294322 | SECURITY-MONITORING IMPLEMENTING CUSTOMER RECOGNITION VIA AN AUGMENTED REALITY DISPLAY - Systems, apparatus, and computer program products are provided for security-monitoring at a place of business by automatically determining which individuals within a business location, such as a retail store, banking center or the like, are established customers of the business. Such a determination of established customer status is conducted without requiring any action on behalf of the individuals/customers and may be accomplished proximate in time to the individuals arriving at the business location. Once the established customers have been determined, the present invention provides for attaching customer identifiers to the established customers appearing within a live video stream displayed by the security-monitoring system to thereby create an augmented reality environment within the display. | 2015-10-15 |
20150294323 | MARKETING DATA COLLECTION SYSTEM AND NON-TRANSITORY COMPUTER-READABLE MEDIUM STORING PROGRAM THEREFOR - A marketing data collection system includes commodity information storage unit ( | 2015-10-15 |
20150294324 | SYSTEM AND METHOD FOR ELECTRONICALLY COLLECTING DATA ASSOCIATED WITH PRODUCTS OR SERVICES PURCHASED BY A PLURALITY OF CONSUMERS - A system and a method for the incentivized collection of data associated with the purchase of products or services by a plurality of consumers. The incentivization primarily involves the award of prizes, according to particular predetermined procedures, to consumers who participate, at no cost, in the data collection. These procedures for awarding prizes are determined in such a way as to stimulate the increasingly enthusiastic, intensive and frequent participation of consumers in the data collection. | 2015-10-15 |
20150294325 | METHOD FOR ANALYZING ECONOMIC PHENOMENA - New methods and strategies for analyzing, characterizing, and assessing economic phenomena are described. The methods utilize principles from physics and in many applications actual laws of physics to evaluate economic phenomena. | 2015-10-15 |
20150294326 | GENERATING APPARATUS, SELECTING APPARATUS, GENERATION METHOD, SELECTION METHOD AND PROGRAM - A generating apparatus is arranged to generate a set of gain vectors with respect to a transition model having observable visible states and unobservable hidden states and expressing a transition from a present visible state to a subsequent visible state according to an action, the set of gain vectors being generated for each visible state and used for calculation of a cumulative expected gain at and after a reference point in time. The apparatus includes a generation section for recursively generating, by retroacting from a future point in time to the reference point in time, a set of gain vectors containing at least one gain vector including a component of a cumulative expected gain with respect to each hidden state, from which set of gain vectors the gain vector giving the maximum of the cumulative expected gain is to be selected. | 2015-10-15 |
20150294327 | Identification of Product Categories - Disclosed are various embodiments for identifying clusters of user accounts who have similar purchase histories and generating product assignments for products identified in the purchase histories. The clusters of user accounts may depict an affinity towards a first type of product while depicting an aversion to a second type of product. The first type of product and the second type of product may have one or more opposing attributes. Product assignments for the products may be generated based on attributes of the products, product categories associated with the products, or the clusters. | 2015-10-15 |
20150294328 | Customer Relationship Prediction and Valuation - According to one embodiment of the present invention, a system stores a plurality of matrices. The system determines each relationship between a customer and an enterprise, wherein the enterprise comprises a plurality of customers having at least one relationship with the enterprise. The system generates a relationship flow matrix that includes customer relationship transitions with the enterprise during a first time period. The system calculates a probability of a change in the customer relationship with the enterprise according to a plurality of snapshots of the relationship flow matrices. The system generates a transition probability matrix based on the probability of the change in the customer relationship occurring. The system determines a current number of customers in each relationship with the enterprise. The system generates a current distribution matrix based on the current number of customers in each relationship with the enterprise. The system applies the transition probability matrix to the current distribution matrix. The system generates a future relationship matrix based on the application of the transition probability matrix to the current distribution matrix. The system applies the future relationship matrix to determine customer relationship value associated with the enterprise. | 2015-10-15 |
20150294329 | SYSTEM AND METHOD OF PREDICTING USAGE OF A CHARGING STATION - A system and method of predicting usage of a charging station includes collecting charging activity history of a plurality of charging stations. A charging station is determined associated with a requesting electric vehicle. A future demand for the charging station is predicted based on the collected charging activity history. A predicted usage value of the charging station is provided based on the predicted future demand for an estimated time of arrival of the requesting electric vehicle at the charging station. | 2015-10-15 |
20150294330 | MARKET FORECASTING - An aspect of market forecasting is implemented by a memory and a computer processor communicatively coupled to the memory. The computer processor gathers, for a plurality of forecast years, data from a plurality of compartmentalized data sources. The computer processor determines, from the data, production forecast year, product unit price, and forecast amount for each product subject to the market forecasting. The computer processor also stores the data in corresponding data fields in a record in the memory, iterates through records in the memory that include the record to identify missing data in the data fields, calculates estimated values of the missing data as a function of contextual data in the record, and stores the estimated values in corresponding data fields in the record. | 2015-10-15 |
20150294331 | PEER-TO-PEER DATA COLLECTOR AND ANALYZER - A system for collecting and analyzing metadata from peer-to-peer (P2P) media networks. The present invention gathers metadata about P2P media from the P2P network directly as well as relevant 3 | 2015-10-15 |
20150294332 | SALES PROCESS REVIEW PLATFORM - Apparatuses, systems, methods, and computer program products are disclosed for a sales process review platform. A review module may receive review data from a plurality of users for a sales process of a business entity or the like. An interface module may provide access to received review data. A forecast module may predict a closing date for a sales process with a business entity for a different user. An anonymity module may anonymize review data so that the review data is not associated with an identity of a user. A score module may provide a score to a user based on received review data. A score may be associated with an identity of a user. | 2015-10-15 |
20150294333 | MOBILE DEVICE BASED INVENTORY MANAGEMENT AND SALES TRENDS ANALYSIS IN A RETAIL ENVIRONMENT - A method for calculating sales trend of a product at a store shelf based on crowdsourcing, includes receiving, by a retail store server, availability data of a product measured on a shelf in the retail store from a portable device, where the availability data is in the form of a picture acquired of the product on the shelf, identifying products on the shelf using tags attached to the shelves, calculating sales velocity and sales trends of the product from the identified products, and transmitting the sales velocity and sales trend of the product to one or more third parties' systems in a supply chain of said retail store. Products and their locations on retail store shelves have been cataloged in a product database. | 2015-10-15 |
20150294334 | MODELING PROCEDURE COMBINING PURCHASE TRANSACTION DATA WITH SURVEY AND DEMOGRAPHIC DATA - Credit card transaction data sources are selectively linked with survey data sources and other external data sources to generate a data model for selected business applications. Transaction data at a customer level or at a geographic level may be linked with the survey data source. A survey data source may be configured for linking with a transaction data source to generate a model for export to external or internal processes. The survey data source may include linkages with the external data sources and/or with other internal data sources. Linkage models based on the transaction data may be incorporated in a financial data product or fed to downstream processes. | 2015-10-15 |
20150294335 | GEO-LEVEL CONSUMER PURCHASE PENETRATION DATA MART - A geographic level purchase penetration data mart provides a comprehensive platform to merge geographic level credit card transaction data with other databases including bureau data, demographic data social media data and economic data. Credit card transaction data sources are selectively linked with survey data sources and other external data sources to generate a data model for selected business applications. The platform facilitates access to a large data set of credit card transaction data, and provides linkage models based on one or more geographic levels and selected business purposes for modeling and influencing consumer behavior at a multi-dimensional and practical level. | 2015-10-15 |
20150294336 | MULTIDIMENSIONAL PERSONAL BEHAVIORAL TOMOGRAPHY - A method and computer program product for identifying attributes of customers and potential customers, allowing marketing to be directed at such consumers. Information is received regarding each of a number of consumers. This information can include demographic information, data regarding spending habits, and information as to how such attributes may have changed over time. Once attributes have been determined, and any changes over time to such attributes have been determined, a correlation of the attributes is performed. Such combined attributes are denoted as composite dimensions. Given the composite dimensions, as well as attributes that may not have been correlated with any other attributes, consumers are plotted in the resulting multi-dimensional space. Sets of consumers that appear to be grouped in this multi-dimensional space are then identified. Common attributes of this consumer group are identified. Unique attributes of a given consumer in such a group are also identified. | 2015-10-15 |
20150294337 | CONTENT CREATION AND DISTRIBUTION SYSTEM THAT DYNAMICALLY PRICES ACCESS BASED ON USER BEHAVIOR - A computer system and method in which users remotely access a system to proffer content users can access from remote locations. The system automatically stores content together with parameters that pertain to the content and facilitate users' access, and automatically and dynamically prices access to the articles in a manner relating prices to user behavior. In one improvement, the system and method enrich the system by adding automated selection of potential providers of answers to questions that users post and an automatic selection of suitable recipients of answers to those questions, and also by adding dynamic pricing for access to the answers that may differ for different classes of access and for different times of access. | 2015-10-15 |
20150294338 | NETWORK-BASED MARKETPLACE SERVICE FOR FACILITATING PURCHASES OF BUNDLED SERVICES AND PRODUCTS - An apparatus for pricing offers of healthcare services includes an application server providing a pricing tool, and a service pricing information database and a cost adjustment information database that are accessible by the application server. The pricing tool is operable to receive an indication of a healthcare service set that is respectively associated with a service detail information record included in the service pricing information database, determine a base physician fee for a primary service of the indicated healthcare service set based on base pricing metrics for the primary service included in the service detail information record, receive an indication specifying a location for performing the primary service, calculate an adjusted physician fee for the primary service based on cost adjustment metrics for a geographic zone that corresponds to the specified location, and provide a recommended price for the indicated healthcare service set based on the calculated adjusted physician fee. | 2015-10-15 |
20150294339 | System for Secure Transactions - In some embodiments, a system comprises an interface and one or more processors. The interface receives account information associated with a financial account, wherein the financial account corresponds to a consumer. The processors are communicatively coupled to the interface. The processors determine, based on the account information, that the consumer invoked one or more security features for the financial account. The processors determine a reward based on the security features that the consumer invoked for the financial account and apply the reward to the financial account. | 2015-10-15 |
20150294340 | DYNAMICALLY GENERATING A REDUCED ITEM PRICE - A system may receive information representing a first item and an item price of the first item from a first user device operated by a buyer. The first item may be available for sale by a merchant of a brick-and-mortar store. A plurality of sellers may be identified, the plurality of sellers may list a second item as being available for sale at the calculated reduced item price in an item listing for the second item. Moreover, the second item may be similar to the first item. A reduced item price may be calculated based on the item price of the first item received from the user device, the reduced item price representing a price lower than the item price of the first item. The item listing for the second item available for sale may be presented to the first user device operated by the buyer. | 2015-10-15 |
20150294341 | CHECKOUT AMOUNT CALCULATION METHOD AND COMPUTER PROGRAM PRODUCT THEREOF - A checkout amount calculation method includes receiving a plurality of groups of commodity information, generating a first discount quantity according to a preset discount condition and the received commodity information by using a processing unit, receiving a first trigger signal according to the first discount quantity, generating a first group of discount numerical values according to the first trigger signal, calculating a checkout amount according to the first group of discount numerical values and the received commodity information, and displaying the checkout amount, where, each group of commodity information corresponds to a commodity to be purchased, and a quantity of the discount numerical values in the first group of discount numerical values is equal to the first discount quantity. | 2015-10-15 |