42nd week of 2011 patent applcation highlights part 56 |
Patent application number | Title | Published |
20110258046 | PRESENTATION OF SPONSORED CONTENT ON MOBILE DEVICE BASED ON TRANSACTION EVENT - A system and computer-implemented method for positioning targeted sponsored content on a mobile communication facility includes the steps of (a) receiving data corresponding to a transaction event having been conducted by a user and correlating the user with their associated mobile communication facility, wherein the transaction event includes transmission of data representative of a first set of products or services having been purchased by the user; (b) selecting advertising content based at least upon a relevance between an advertisement for a second product or a second service and the purchased first set of products or services in the transaction event, wherein the relevance is further based on information relating to compatibility of the advertising content, second product, or second service with the mobile communication facility; and (c) presenting the selected advertising content on a display of the mobile communication facility. | 2011-10-20 |
20110258047 | INCORPORATING TIME AND SPATIAL RELATIONSHIPS BETWEEN USER/ADVERTISER LOCATIONS INTO ADVERTISEMENT RELEVANCE - Methods and systems for determining advertisement relevance based on time and spatial relationships or reachable locations may include determining a set of advertisements, a set of destination locations corresponding to the advertisements, a starting location, a starting time, and a desired arrival time. A particular destination location may be identified as reachable if a projected arrival time occurs prior to or at the desired arrival time. Reachable destination locations may be distinguished from unreachable destination locations on a user interface by at least one of presenting reachability indicators, differentiating presentations or appearances of indications corresponding to reachable locations and/or of corresponding advertisements, ordering location indications and/or advertisements by reachability relevance, omitting unreachable destination locations and/or corresponding advertisements from being presented on the user interface, or other actions. Advertisement relevance based on time and spatial relationships may be based on user input, and may be applied to multiple, sequential destination locations. | 2011-10-20 |
20110258048 | System And Method for Communicating Media Content - A method for targeted advertising is disclosed. The method includes accessing at least one piece of demographic information associated with a user of a portable device, selecting an advertisement to be delivered to the user based at least in part on the demographic information, and initiating communication of a version of the advertisement configured for presentation at the portable device. | 2011-10-20 |
20110258049 | Integrated Advertising System - In embodiments of the present invention improved capabilities are described for selecting advertisements to be delivered to mobile communication facilities using a monetization platform that may act as an advertising hub. The monetization platform may interact with an ad exchange to collect relevant advertisements for delivery to the mobile communication facilities. The monetization platform may also facilitate the selection of advertisements through the ad exchange by associating advertisement requests with user, user profile or other mobile communication type information. Methods and systems of the present invention are described for aggregating mobile communication facility user profile data, including user profile data obtained from a mobile communication facility, the user's Internet usage, offline user data, and settop entertainment facility data relating to the user. | 2011-10-20 |
20110258050 | SOCIAL ADVERTISING PLATFORM - Methods and systems for facilitating a social advertising platform are provided. According to one embodiment, a method is provided for enabling sharing of content by members of a peer-to-peer social advertising service that also promotes companies, products, services, organizations, charities and/or causes which they endorse. Profile information is maintained for each member and includes a list of brands, products, services, companies, organizations, charities or causes recommended or endorsed by the member. A shared link is generated corresponding to a destination link through which a member can share content associated with the destination link with third parties via social media. Responsive to receiving a click-through event for the shared link, the requestor is redirected to a social advertisement containing advertising content selected based upon the list of things endorsed by the member. After temporarily displaying the advertising content, the requestor is then redirected to the destination link. | 2011-10-20 |
20110258051 | Method, computer system, and stored program for causing delivery of electronic advertisements based on provided profiles - To improve monetization of electronic advertisement placement, a profile owner company operates an automatic system for identifying media properties that have interests in specific profiles or profiles of a specified category or kind. The profile owner recognizes a collected visitor profile as one that a media property has previously requested or one that is within a category that a media property has previously requested and arranges for the visitor to be tagged with a tag readable by the media property that requested such a profile. The media property can use the tag in displaying customized advertising to the visitor. Using information received from the media property, the profile owner company then records usage of the profile by the media property. | 2011-10-20 |
20110258052 | DYNAMIC MECHANISM FOR SELLING ONLINE ADVERTISING SPACE - A dynamic mechanism for selling online advertising space may involve computing allocation rules and pricing structures to align incentives of seller and bidders. Based on initial valuations reported by multiple advertisers, an advertising platform may compute entrance fees to be charged to each advertiser who enters into a contract for allocation of an advertising space over multiple allocation cycles. Based on an initial valuation reported by an advertiser, an advertising platform may compute an entrance fee to be charged to the advertiser as a lump sum or subscription fee, determine whether to allocate the advertising space to the advertiser in multiple successive allocation cycles, and compute allocation payment amounts to be charged to the advertiser when the advertiser receives allocations. Through appropriate construction of these computations, incentives may be aligned such that advertisers benefit from truthful reporting of valuations. | 2011-10-20 |
20110258053 | BILLING METHOD FOR ONLINE ADVERTISING, SYSTEM THEREOF, AND COMPUTER-READABLE RECORDING MEDIUM - Provided are a method for billing for an online advertisement, a system thereof and a computer-readable recording medium. The method for billing for an online advertisement includes: extracting an advertisement publication result based on a selection history of a plurality of users for advertisement information of an advertiser; providing the advertisement publication result to the advertiser; receiving basic self-billing information for determining an billing object from an advertiser terminal; performing the billing for an published online advertisement based on the received basic self-billing information. | 2011-10-20 |
20110258054 | Automatic Generation of Bid Phrases for Online Advertising - Automatic generation of bid phrases for online advertising comprising storing a computer code representation of a landing page for use with a language model and a translation model (with a parallel corpus) to produce a set of candidate bid phrases that probabilistically correspond to the landing page, and/or to web search phrases. Operations include extracting a set of raw candidate bid phrases from a landing page, generating a set of translated candidate bid phrases using a parallel corpus in conjunction with the raw candidate bid phrases. In order to score and/or reduce the number of candidate bid phrases, a translation table is used to capture the probability that a bid phrase from the raw bid phrases is generated from a bid phrase from the set of translated candidate bid phrases. Scoring and ranking operations reduce the translated candidate bid phrases to just those most relevant to the landing page inputs. | 2011-10-20 |
20110258055 | POINTS BASED SOCIAL NETWORKING WEB SITE - A points-based social networking site gives its users the opportunity to earn points by viewing other profiles, inviting their friends to join the site, commenting on other profiles, viewing advertisements, and other activities on the site. The points may be referred to as popularity points. The site may rank users by the number of popularity points they earn at the social networking site. The site may allow the creation of groups for schools, universities, cities, businesses, hobbies, and the like. Users can belong to one or more groups and may be ranked within each of their groups based on their number of popularity points. In some embodiments, the present invention may be designed as a stand-alone site, having a points-based recognition system. In other embodiments, the present invention may be incorporated into an already-existing social networking site, allowing the site to recognize users by points earned. | 2011-10-20 |
20110258056 | Method and Apparatus for Universal Placement Server - A method and apparatus for universal placement server have been disclosed. In one embodiment there are three levels of major activities. | 2011-10-20 |
20110258057 | Image Capture and Identification System and Process - A digital image of the object is captured and the object is recognized from plurality of objects in a database. An information address corresponding to the object is then used to access information and initiate communication pertinent to the object. | 2011-10-20 |
20110258058 | SYSTEM AND METHOD FOR GENERATING A RESTAURANT ORDER ON A WIRELESS MOBILE PERSONAL COMPUTER - A wireless mobile personal computer is provided for enabling a customer to generate a restaurant order on the wireless mobile personal computer. The wireless mobile personal computer includes a restaurant order generating application configured to generate restaurant item selecting interface screens for generating the restaurant order comprising at least one restaurant item, to generate a machine-readable representation of the generated restaurant order, a processor for executing the restaurant order generating application, a memory for storing the restaurant order generating application and selectable restaurant items, and a display for displaying the restaurant item selecting interface screens, and the at least one restaurant item. | 2011-10-20 |
20110258059 | Processing Separate Items Via A Single Retailer Action - A method, system, and medium are provided for processing multiple items for retail sale via a single retailer action. Upon scanning a machine-readable marking that is associated with multiple items provided by various vendors, a marking identifier associated with the machine-readable marking is recognized. The marking identifier corresponds with each price of the multiple items. Each price of the multiple items is presented to a consumer for payment that can be disbursed to the appropriate vendors. | 2011-10-20 |
20110258060 | AUTOMATIC PRICE DISPLAY CONTROL BY EMULATION OF ELECTRONIC CASH REGISTER PRICE LOOKUP - A system and method for distribution of product price and/or sales data in a retail establishment. Product price and/or sales data is stored locally, either in a central computer or master electronic cash register (ECR) or remotely at a master computer. The product price data is stored in the form of a price look-up (PLU) table. The price data can be pushed from the master ECR, local or master computers to and ECR emulation hub to an ECR emulation hub. Similarly, the ECR emulation hub can request product price data from the master ECR, local or master computers. Once the product price data arrives at the ECR emulation hub, it can be processed and sent to a display, which will be located near the appropriate product. The ECR emulation hub can also record and/or transmit prices actually charged for products over time to allow for automatic auditing of promotional pricing offers such as those made by manufacturers of the product. The ECR emulation hub acts like an ECR, thereby requiring no special software or hardware modifications to existing pricing display systems that already support ECRs. | 2011-10-20 |
20110258061 | Systems and Methods for Self-Service Transactions - A self-service terminal for a product/service cooperates with an application platform accessible by a consumer's mobile device. The terminal assigns an active status to at least one transaction code for a period of time and compares any code manually entered at the terminal during that time against the active code(s) to dispense the product/service in case of a match. In response to a request from the mobile device, an authorized code is sent from the platform to the mobile device to enable the consumer's manual entry of the authorized code at the terminal. The platform may generate the authorized code and forwarded it to the terminal for storage as an active code, or may select it from among codes that are stored on the platform and known to match codes currently in an active state at the terminal based on a predetermined schedule for activating different groups of codes | 2011-10-20 |
20110258062 | Systems and Methods to Provide Credits via Mobile Devices - Systems and methods to provide credits or refunds via mobile phones. In one aspect, a system includes an interchange and a data storage facility storing phone numbers and records of payments associated with the phone numbers. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the common format processor in a common format and to communicate with the controllers in different formats. The common format processor is to determine a phone number in response to a request from a merchant, to store data representing an amount credited or refunded to the phone number according to the request from the merchant, and to use one of the converters to communicate a message to the mobile phone to indicate availability of the refund or credit. | 2011-10-20 |
20110258063 | POWER GENERATION LEVELING SYSTEM AND POWER GENERATION LEVELING METHOD - A communication part of a purchased power management device transmits, in response to an instruction from a user, rate information indicating a rate of power that the user wants to purchase to a sales management device. A charging part of the purchased power management device charges the battery at a date and time designated by the sales management device. A power output part of the purchased power management device outputs power stored in the battery during a time period of high electric power demand. A sale destination decision part of the sales management device decides a sale destination of the power generated during a time period of low electric power demand on a basis of the rate indicated by the rate information. A sales date and time information transmission part of the sales management device transmits sales date and time information designating a date and time when power is sold to the sale destination decided by the sale destination decision part. | 2011-10-20 |
20110258064 | Central Web-Based Data Exchange - In general, a computer-implemented method of managing data exchange includes registering a plurality of data sellers with a computer-implemented data exchange; registering a plurality of data buyers with the computer-implemented data exchange; mediating data sharing arrangements between pairs of the buyers and sellers, the arrangement defining prices and permitted uses of data provided by a data seller to a data buyer; and enforcing, on behalf of the data seller, restrictions imposed by the negotiations on data use by the data buyer. | 2011-10-20 |
20110258065 | Product Recall Platform Apparatuses, Methods And Systems - The product recall platform apparatuses, methods and systems (“PR Platform”) transforms recall initiation request, product identifier and purchase processing request inputs via PR Platform components into recall notification message outputs. In some embodiments, the PR Platform receives a purchase processing request including a plurality of product identifiers and preselects product identifiers that qualify for purchase processing based on at least one purchase processing rule. The PR Platform facilitates querying of a product recall database to determine if the preselected product identifiers match recalled product identifiers in the product recall database. If at least one of the preselected product identifiers match the recalled product identifiers, the PR Platform retrieves a recall message associated with the at least one of the preselected product identifiers and notification preferences associated with the purchase processing request. The PR Platform then generates a recall notification message in accordance with the notification preferences to include the recall message associated with the at least one of the preselected product identifiers. | 2011-10-20 |
20110258066 | Method of brokering digital data - A photographer | 2011-10-20 |
20110258067 | ONLINE MARKETPLACE FOR INFORMATION AND INTANGIBLE GOODS - A system and methods to enable a plurality of vendors of information to sell that information to a plurality of consumers of information are disclosed. The information may include sales leads, such as sales leads for potential sales of insurance products. The disclosed system may enable a plurality of users to provide standing orders for information, including defining a plurality of parameters or filters. The system applies these parameters to information offered for sale by the vendors, and automatically delivers information that satisfies the parameters. The system may enable the user to define when to purchase information, such that information offered for sale during a time the user cannot use it is not purchased. The disclosed system may therefore provide an online marketplace that enables a plurality of different users to purchase information sold by a plurality of different vendors in an easy and consistent way. | 2011-10-20 |
20110258068 | SYSTEM AND METHOD FOR A LOTTERY AND AUCTION BASED TOURNAMENT ENTRY EXCHANGE PLATFORM - A method of distributing, managing, and exchange entries in one or more activities is provided. The entries may be distributed by any suitable process including, without limitation an auction or lottery process. The distributed entries may be exchanged in a market environment. The exchange may operate on an electronic platform. Revenues may be collected from distributions and/or exchanges of entries. A portion of the revenues may be paid to one or more users who hold an one or more particular winning entries determined by any number of parameters and at the occurrence of any number of events. | 2011-10-20 |
20110258069 | Non-Monetary Trading System - Systems and methods that enable users to trade items such as clothing and accessories through non-monetary exchanges. In one embodiment, a web site system enables trading of items based upon a point system that is similar to an auction, but no money is exchanged. Points are given to users in exchange for items that are traded away, and points are traded in for desired items. Effectively, in order to obtain one item, another item has to be traded away. The web site enables automated searching and other functions based upon personal information associated with users. The web site also provides opportunities for either unused items or points to be traded (donated) to charitable organizations. | 2011-10-20 |
20110258070 | Systems and Methods for Creating a User Customized Bank Card - One form of the present invention contemplates a unique system for creating a customized bank card by a consumer/user based on instructions from a remote terminal. Other forms of the present invention contemplate unique apparatuses, systems, devices, hardware, software, methods, and combinations of these for creating customized bank cards. | 2011-10-20 |
20110258071 | Spectacle Lens Selection System and Spectacle Lens Selection Method - A spectacle lens selection system includes a manufacturer side terminal and a store side terminals installed in a store and is connected to the manufacturer side terminal via a network. The store side terminal transmits a wearing condition parameters including a downward rolling length of eyes and a lateral gaze length of a spectacle wearer to the manufacturer side terminal, and the manufacturer side terminal selects a most suitable product based on the wearing condition parameters, and transmits the result to the store side terminal. | 2011-10-20 |
20110258072 | SYSTEM AND METHOD FOR MANAGING RECURRING ORDERS IN A COMPUTER NETWORK - A recurring order management system and method for a computer network is disclosed. The system receives a request to suggest a recurring order for one or more products or services. The system generates a profile which stores the suggested products or services, the suggested recurrence for those products or services and the suggested quantities to deliver upon each recurrence. The order then automatically recurs one or more times according to the specified recurrence. | 2011-10-20 |
20110258073 | SYSTEM AND METHOD OF PROVIDING RECOMMENDATIONS - A method of providing recommendations is disclosed and includes receiving a selection of an offering via an online site. The method also includes outputting a detail page related to the offering via the online site. The detail page includes a first selectable indicator corresponding to a social network of a visitor and a second selectable indicator corresponding to unfiltered content. The method also includes outputting at least one recommendation via the detail page. Each recommendation is associated with a member of the social network when input received via the online site indicates a selection of the first selectable indicator. | 2011-10-20 |
20110258074 | RESTRICTED PURCHASE OF REGULATED ITEMS OVER A NETWORK - A technique is disclosed for implementing electronic commerce transactions via a data network. A regulated item selected by a customer is identified. The regulated item may correspond to an item which satisfies predetermined criteria, indicating that the regulated item is prohibited from being purchased by the customer. Action is then taken to prohibit the purchase of the selected item, via the data network, by the customer. According to one embodiment, the action taken to prohibit the purchase of the regulated item is automatically implemented at a server system configured to implement electronic commerce transactions between an on-line merchant and the customer. According to a specific implementation, the predetermined criteria correspond to regulations which restrict sales of the regulated items to persons in a particular jurisdiction based upon certain criteria such as, for example, time of day, day of week, age of the customer, type of product being sold, etc. | 2011-10-20 |
20110258075 | Camera as a Vehicle to Identify a Merchant Access Device - Systems and methods of conducting a payment transaction using a mobile phone having a camera. The systems and methods receive an image of a merchant access device and optionally location data from a mobile device of a user engaged in the transaction. The systems and methods also receive transaction information associated with the transaction and account information associated with an account of the user. The systems and methods use the information to authorize or decline the transaction. | 2011-10-20 |
20110258076 | Payment processing systems - A system and methods using applications for payment of goods and/or services based on verifying whether geographic information received from an electronic device with the app corresponds with geographic information from a registered location. A processing center executes a default action when the geographic information so corresponds, and in one embodiment, the default action is to complete the transaction. | 2011-10-20 |
20110258077 | SECURE ELECTRONIC COMMERCE - Secure transactions are achieved over a public network by using a private network to handle the sensitive information of the transaction. When a client requests a product from a vendor server over a public network, the vendor server notifies a facilitation server on the public network. This results in the client receiving a set of computer readable instructions from the facilitation server. The set of instructions provide access instructions to a transaction server system on the private network so that sensitive transaction information is sent to the transaction server system on the private network rather than over the public Internet. Where the sensitive information is credit card information, the transaction server system may obtain authorisation for the transaction from a financial institution and then notify the vendor accordingly. Where the sensitive information is the identity of a user of the client, the transaction server may selectively authorise the transaction without the vendor being apprised of the identity of a user of the client. Secure communications may also be achieved by sending sensitive communications over the private network. | 2011-10-20 |
20110258078 | ANONYMOUS SHOPPING TRANSACTIONS ON A NETWORK THROUGH INFORMATION BROKER SERVICES - A system and method for enabling a user to transact an anonymous on-line transaction, wherein a form of on-line payment is requested at a transaction interface is disclosed. The method may include providing an anonymous user interface that enables a user to initiate an on-line payment, accessing a first profile comprising user data when the user activates the form of on-line payment, generating a second profile linked to the first profile, wherein the second profile comprises anonymous data, and communicating the anonymous data from the second profile to the transaction interface to enable completion of the transaction. | 2011-10-20 |
20110258079 | Systems and Methods for Transaction Authorization and Dynamic Memberhips to Facilitate E-Commerce - A method for managing an e-commerce system comprising: accepting an order to sell one or more goods or services from a seller to a buyer; charging the buyer an amount according to the order; holding the amount in an intermediary; receiving a first signal from the buyer upon the seller's delivery of said one or more goods or services; retrieving a second signal; verifying the first signal against the second signal; and making at least a portion of the amount available to the seller if the first signal and the second signal satisfy a predetermined relationship. | 2011-10-20 |
20110258080 | Metasearch Engine for Ordering Items Returned In Search Results Using Multiple Queries on Multiple Unique Hosts - Process and system for metasearching on the Internet performed by a metasearch engine, comprising: receiving an HTTP request from a client device for the metasearch engine to send a plurality of search queries to a plurality of unique hosts providing access to information to be searched, each search query comprising at least one keyword; sending the plurality of search queries to the plurality of unique hosts in response to the HTTP request from the client device; receiving search results from the plurality of unique hosts in response to the plurality of search queries sent to the plurality of unique hosts, wherein the search results comprise details about an item that may be ordered; incorporating the received search results into a response; communicating the response from the metasearch engine to the client device; receiving another HTTP request from the client device for placing an order for the item; processing the order. | 2011-10-20 |
20110258081 | SALES FORCE AUTOMATION SYSTEM AND METHOD - A sales force automation system and method of facilitating a sales process which integrates computerized intelligent automated salesperson support for multiple phases of the sales process. Various subsystems may be provided to facilitate the sales process which may include pre-sales lead generation, maximize time spent with the customer, effectively manage an order, ensure customer satisfaction and retain the customer for future sales. Also provided to support the phases of the sales process are additional tools, integrated in the system. The additional tools may include self management subsystems, sales management subsystems and training subsystems. | 2011-10-20 |
20110258082 | Application Store for Shared Resource Computing - A server in a Shared Resource Computing (SRC) system runs applications and manages licenses for those applications across multiple sessions and/or user terminals. Plug-ins created by an SRC App Store translate the licensing requirements of various applications into terms that can be monitored and enforced by the SRC App Store. When payments are necessary to comply with the licensing requirements, the SRC App Store manages the payments. The SRC App Store also enforces the licensing requirements by providing feedback regarding enforcement consequences. | 2011-10-20 |
20110258083 | Systems and Methods for Managing Supplier Information Between an Electronic Procurement System and Buyers' Supplier Management Systems - A system and method provide an efficient and simple procurement process that is easily customizable and allows the automatic mapping of supplier information and catalogs according to the buyer/purchasing organization's internal data schema used for representing such data, and updates the buyer/purchasing organization's hosted supplier information and catalogs automatically. In an exemplary embodiment, access to an electronic procurement system is requested, a supplier provides supplier data through a graphical user interface (GUI) for storage in one or more databases of an electronic procurement system, the supplier designates a subset of the supplier data as protected supplier data, and conveniently selects one or more buyer organization's supplier management systems to receive the provided supplier data. | 2011-10-20 |
20110258084 | SINGLE WINDOW BASED E-COMMERCE BUSINESS TRANSACTION - The present invention relates to a single window e-commerce based business to consumer transaction with a common inventory database, where an end user can access multiple automobile parts and dealers' product catalogue by accessing a single webpage, and making purchases online without bothering to login again and again and to physically visit each dealer's location and checking his inventory for the desired product, since if the dealer does not have a product in his inventory, he can order it from the OEM. | 2011-10-20 |
20110258085 | SERVICES FOR PROVIDING ITEM ASSOCIATION DATA - A service is disclosed for enabling web sites and other entities to provide item recommendations and other behavior-based content to end users. The service can be implemented as a web service that is remotely accessible over the Internet. Web sites use the web service's interface to report events descriptive of item-related actions performed by end users (e.g., item views, item purchases, searches for items, etc.). The web service analyzes the reported event data on an aggregated basis to detect various types of associations between particular items, and stores resulting datasets that map items to associated items. The web service's interface also provides various API calls for enabling the web sites to request item recommendations and other behavior-based content, including but not limited to personalized recommendations that are based on the event history of the target user. Advantageously, the web sites need not host the infrastructure for providing such content. | 2011-10-20 |
20110258086 | COMPUTER INTERFACE FOR ONLINE COMMERCE WITH COMMUNITY FEATURES - Disclosed herein, in certain embodiments, are computer-implemented methods for interactive social shopping wherein multiple users are able to interact in real time and simultaneously view an identical item for purchase. Further disclosed herein, are systems for interactive social shopping wherein multiple users are able to interact in real time and simultaneously view an identical item for purchase. Additionally disclosed herein, are devices that enable interactive social shopping wherein multiple users are able to interact in real time and simultaneously view an identical item for purchase. | 2011-10-20 |
20110258087 | ANALYTICS FOR SETTING UP STRATEGIC INVENTORY SYSTEMS TO HANDLE SMALL LOT ORDERS IN THE STEEL INDUSTRY - A method of managing manufacturing production includes determining a plurality of products for manufacture using a production line is disclosed. Each product is specified by composition and production line steps and criteria. Production orders for products are analyzed to determine whether products should be grouped into product-types, and whether product (type) should be made-to-stock or made to order. Queuing theory based analytic methods and optimization based heuristics are used to determine the priority for each product in the production line, taking product substitution opportunities in batch-production into account. Preselected points along the production line are determined for gathering an amount of inventory for each product. This decision is made considering product-differentiation down the line. An established inventory policy for each product at preselected points along the production line requires that inventory is reviewed and an order is placed for additional inventory when on hand inventory reaches a predetermined reorder point. | 2011-10-20 |
20110258088 | FINANCIAL AUDIT SCOPING WORKBENCH - A computer-readable medium, computer-implemented method, and apparatus are provided. In one embodiment, financial data is extracted from a financial manager, and the financial data is mapped to compliance data from a compliance manager. One or more controls of one or more accounts from compliance data is selected to be in scope, and an assessment plan is created for the selected one or more controls within scope. | 2011-10-20 |
20110258089 | INVESTMENT COMPANY THAT ISSUES A CLASS OF CONVENTIONAL SHARES AND A CLASS OF EXCHANGE-TRADED SHARES IN THE SAME FUND - An automated method is provided for administering a single investment company that issues one or more classes of shares that are bought from and redeemed with the single investment company at a net asset value and issues one or more classes of shares that are listed for trading on a securities exchange and that are bought and sold at negotiated market prices. One or more computers maintain account data of the outstanding shares. An owner of any share of any share class has an undivided interest in the single investment company. | 2011-10-20 |
20110258090 | SYSTEMS AND METHODS FOR SERVICING CASH HANDLING DEVICES - Systems and methods are provided for servicing a currency dispensing device, such as an automated teller machine, and a currency receiving device, such as a provisional cash safe, disposed at a merchant location. The method may comprise transporting dispensable currency to the merchant location, inserting the dispensable currency into the currency dispensing device during a site visit to the merchant location, removing merchant currency from the currency receiving device during the first site visit, the merchant currency having been previously inserted into the currency receiving device over a period of time by a merchant, and transporting the merchant currency from the merchant location to a currency processing location. The currency receiving device may transmit an indication of an amount of merchant currency inserted therein so that the merchant is provided a credit by a financial institution for the merchant currency before it is transported to the financial institution. | 2011-10-20 |
20110258091 | METHOD AND SYSTEM FOR PROCESSING ACCOUNTING INFORMATION - A computer-implemented system and method for generating a uniform statement of financial information from input financial data records each having a record description and an input financial value, that involve providing an accounting standard ( | 2011-10-20 |
20110258092 | ELECTRONIC FINANCIAL MANAGEMENT AND ANALYSIS SYSTEM AND RELATED METHODS - A computing system facilitating electronic bill presentment and payment features for authorized users via a user interface is introduced including an analysis engine. The analysis engine, in response to user interaction with the user interface, selectively performs user-defined analysis on at least a subset of retrieved billing information associated with one or more billers. The analysis engine further generates one or more user-defined report(s) based, at least in part, on the user-defined analysis. | 2011-10-20 |
20110258093 | Portable Power Distribution Enhancements - Some embodiments provide a power distribution system that includes a set of distributed power stations. Each power station includes a lockable power supply that enables and disables the flow of power and a set of input controls that are used to provide inputs to the power station. The power station includes a processor for validating an input that is provided through the set of input controls in order to enable or disable the flow of power. In some embodiments, the power station includes a magnetic stripe reader that extracts information from an encoded magnetic stripe and the processor parses the information to identify user identification or billing information. In some embodiments, the power station includes a signal extender for providing a WiFi, GSM, CDMA, or 3G signal that is used by the user device for communications. In some embodiments, the power station includes a display for displaying content. | 2011-10-20 |
20110258094 | METHOD AND SYSTEM FOR MULTIMEDIA CONFERENCE OPERATION CHARGING - A method and system for charging a multimedia conference service are provided, wherein the method comprises: an MMTel AS sending an ACR message to a CDF unit according to a corresponding service request initiated by a UE; the CDF unit generating a corresponding CDR according to the received ACR message, and sending the generated CDR to a CGF unit; and the CGF unit preprocessing the received CDR, and sending, according to a pre-established rule, a CDR file to a BD to generate a corresponding bill; wherein the ACR message and the CDR comprise the a field of CONF ID and a field of Online Participants Number. | 2011-10-20 |
20110258095 | Method and system for creating and issuing a deferred coupon preferred security - A corporate debt security includes an optional payment deferral feature allowing deferral of coupon interest on the debt security without triggering default, and a mandatory payment deferral feature allowing deferral of coupon interest on the debt security without triggering default. The corporate debt security also includes a provision to issue at least one warrant on corporate common stock at a predetermined time after any payment deferral. The warrant exercise price is equal to or greater than the price of corporate common stock, as determined when the warrant is issued. The debt security is issued in exchange for value. | 2011-10-20 |
20110258096 | LOAN MANAGEMENT SYSTEM AND METHOD - A loan management system and method includes an alternative repayment amortization method. Each installment on repayment of the loan includes an equal fixed principal repayment amount and an interest amount. The equal fixed principal repayment amount is based on the amount of the loan and the number of installments to be paid over the life of the loan. The interest due for each installment is based on the interest rate and the amount of outstanding principal at the time a given installment is due. | 2011-10-20 |
20110258097 | SYSTEMS AND METHODS RELATED TO LIFETIME MORTGAGES - The present invention relates to a mortgage having a forward portion and a reverse portion. In the forward portion, the borrower receives a loan from a lender in order to purchase a property, such as a home. In the reverse portion, the property has accumulated sufficient equity to enable the lender to disburse funds back to the borrower. The present disclosure describes various computer systems and computer-implemented methods that assist in planning for this type of mortgage. Various factors may be considered, such as, the initial loan principal, ages of one or more borrowers, and a desired mortgage interest rate, and calculates. Different scenarios for conversion from the forward portion to the reverse portion of the mortgage may then be calculated and presented. For example, one or more forward mortgage payment schedules may be calculated and future reverse mortgage capacity may be presented. In some embodiments, the reverse mortgage capacity is used to pay some or all of the forward mortgage portion. | 2011-10-20 |
20110258098 | LOAN MANAGEMENT SYSTEM AND METHOD - A loan management system and method includes an alternative repayment amortization method. Each installment on repayment of the loan includes an equal fixed principal repayment amount and an interest amount. The equal fixed principal repayment amount is based on the amount of the loan and the number of installments to be paid over the life of the loan. The interest due for each installment is based on the interest rate and the amount of outstanding principal at the time a given installment is due. | 2011-10-20 |
20110258099 | FUTURES CONTRACTS ON RESTRICTED COMPENSATION SECURITIES - Futures contracts on options contracts are provided in which the duty to purchase the right to purchase a commodity or security may be agreed upon by two or more parties. The futures contract segment of the exchange device is the duty to purchase the underlying options contract at a specific time. The options contract segment of the exchange device is the right to buy an underlying security or commodity. Margin schemes may be included in either segment of the exchange device or the exchange device as a whole. | 2011-10-20 |
20110258100 | Systems, methods, and media for placing orders to trade securities - Systems, methods, and media for placing orders to trade a security are provided. In some embodiments, for example, methods comprise: receiving an order to trade a security; determining an execution rate for the order, determining a darkness threshold for the order; selecting one or more routes for one or more working orders of the order based on at least the darkness threshold; scoring the one or more routes; allocating size to the one or more working orders based on the scoring and the execution rate; creating the one or more working orders; and sending the one or more working orders to the one or more routes for execution. | 2011-10-20 |
20110258101 | METHODS AND SYSTEMS FOR LOSS MITIGATION, ACQUISITION AND DISPOSAL OF REAL-ESTATE ASSETS - In one embodiment, a method of loss mitigation and disposal of real estate related assets. The method comprises receiving and storing at least minimum bid and location information from a lender having an interest in the property that is to be disposed, receiving and storing an offer to purchase at least one property selected from the at least one property that is to be disposed from a prospective purchaser, receiving and storing information regarding a deposit provided to lender if offer to purchase at least one property is accepted by lender, marketing the at least one property that is to be disposed of to prospective purchasers and contacting the present owner of the at least one property that is to be disposed requesting formation regarding whether the present owner desires a loan modification, short sale, payment in exchange for keys of the at least one property that is to be disposed of. | 2011-10-20 |
20110258102 | Precious metal financial instrument - In accordance with the principles of the present invention, a computer-implemented precious metals investment product and process for pricing a precious metals composite product are provided. A measured unit of trade is established. The measured unit of trade comprises a plurality of precious metal components. The measured unit of trade is quoted and traded as a unit, thus allowing for uniformity in the ongoing offers to buy and sell a fixed quantity, or multiples of this fixed quantity, and pricing consistency for the metals. The precious metals components are backed by physical precious metals. The precious metals components are electronically tracked and priced in live market prices. Live pricing of the precious metals composite product is provided utilizing the live pricing of the precious metal components. An investor retains the option to take delivery of their precious metals or to liquidate by a plurality of methods. | 2011-10-20 |
20110258103 | TOTAL FAIR VALUE SWAP - A synthetic instrument known as a “Total Fair Value Swap” is disclosed. According to one embodiment, the Total Fair Value Swap may comprise an agreement between two counterparties, a “Fixed Rate Payer” and a “Floating Rate Payer”. According to the agreement, the Fixed Rate Payer makes a stream of payments to the Floating Rate Payer based on a fixed rate, and the Floating Rate Payer makes a second stream of payments to the Fixed Rate Payer based on a floating rate, wherein a first portion of the floating rate is based on a reference interest rate, and wherein a second portion of the floating rate is based on a credit spread associated with the Floating Rate Payer. The reference interest rate may be, for example, London Inter-Bank Offer Rate (LIBOR), prime interest rate, the US dollar swap rate, the U.S. Treasury Bond rate or any other widely traded interest rate that is reset periodically. The credit spread may be observed from the Credit Default Swap (CDS) market. | 2011-10-20 |
20110258104 | SYSTEM AND METHOD FOR PRICE-BASED ANNOTATIONS IN AN ELECTRONIC TRADING ENVIRONMENT - A system and method for generating and displaying annotations in relation to one or more prices corresponding to trader-related or market related events are described. In one embodiment, a trader may enter an annotation to be displayed in relation to one or more price levels. Alternatively, a trader may configure a dynamic annotation to be dynamically displayed in relation to some price level(s) upon detecting a predetermined event related to one or more tradeable objects. Also, a trader may configure one or more alarms to be displayed or played in combination with the annotations. | 2011-10-20 |
20110258105 | Regulating Order Entry in an Electronic Trading Environment to Maintain an Actual Cost for a Trading Strategy - A system and method for regulating order entry based on an acceptable slop range for a trading strategy are described. According to one example embodiment, a trader may define an acceptable slop range for a trading strategy as a percentage. The trader may also define a variable to associate with the trading strategy. Using a spread trading algorithm, a spread price axis is generated and the trader may place an order for the trading strategy at a desired price, comprising placing an order in one leg market dependent on the market conditions of another leg market. Using the acceptable slop range, the system keep the net cost to the trader within the acceptable slop range, by regulating orders in the leg markets. Defining an acceptable slop range as a percentage allows the trader to monitor and regulate their profits and loss, regardless of the type of spread trading algorithm used or the placement of an order on the spread price axis. | 2011-10-20 |
20110258106 | SINGLE-PERIOD AUCTIONS NETWORK DECENTRALIZED TRADING SYSTEM AND METHOD - A method and system serve for network dealing for conducting single-period auctions where there is one seller and at least one buyer, but typically multiple buyers. The method and system allow for posting of at least one or multiple items offered for sale on a network by a computer at the seller interconnected to other computers on the network. Bids are submitted by buyers for the items offered for sale with the seller requiring predetermined information about the buyer submitting bids before determining a selling price. The seller applies a selected set of criteria to strike out bids the seller does not wish to consider and applies a seller determined criteria to determine the price at which the seller is willing to sell the item(s). | 2011-10-20 |
20110258107 | SYSTEM AND METHOD FOR ESTIMATING AND OPTIMIZING TRANSACTION COSTS - A method and system for forecasting the transaction cost of a portfolio trade execution that may be applied to any given trade strategy or an optimal trade strategy that minimizes transaction costs. In preferred embodiments, a server comprises one or more computers that act as an automated forecaster whereby it accepts user-defined input variables from customers and generates a transaction cost estimation report based on those variables. The server is programmed with specific transaction cost estimation and optimization algorithms that model the transaction costs of a specific trade execution based on the user's trading profile and market variables. | 2011-10-20 |
20110258108 | SYSTEM FOR MATCHING ORDERS FOR FUTURES CONTRACTS WHICH FACILITATE ELECTRONIC TRADING OF OVER THE COUNTER FUTURES CONTRACTS - An electronic trading system and method is disclosed for matching orders for various asset classes including futures contracts and the subsequent settlement and clearance of such contracts. The electronic trading system is configured to be connected to one or more electronic exchanges and is also configured to interface with the existing infrastructure of the front office software of a trading firm, broker or dealer to provide the best fill for traders by enabling electronic trades to be executed both on the exchange and over the counter. In one embodiment of the invention, a local order book is established thereby establishing an independent pool of liquidity of the asset class of interest. | 2011-10-20 |
20110258109 | Out of Band Credit Control - Systems and method for mediating risks associated with orders in an electronic trading system are provided. A front end component includes a plurality of trading engines that receive orders from traders. A back-end component includes a match system. The system includes a credit control module, which may be located at the back-end (e.g., clearinghouse), front end, a combination thereof, or other location that communicates with the plurality of trading engines. The credit control may monitor aggregate risk parameters for the trading engines and requests credits from trading engines. | 2011-10-20 |
20110258110 | Leveraging a Power Distribution System to Provide Establishment Services - Some embodiments leverage a power distribution system to provide a mobile platform with which establishments can connect to users and provide establishment services to the user. Specifically, the power distribution system includes several distributed power stations and a server that authorizes access to power of each power station. Additionally, the power distribution system provide a mobile application that runs on an electronic device and that sends to the server a request to access power from a power station at a particular establishment. Through the mobile application, establishments can provide content to the user from which users can request and obtain services from the establishment. The mobile application requests such services by communicably coupling to a server of the establishment. | 2011-10-20 |
20110258111 | ALIAS MANAGEMENT AND OFF-US DDA PROCESSING - An alias management and off-us demand deposit account processing system is disclosed. A sending entity initiates a value transfer with a payment processing network indicating a value transfer providing issuer which will conduct the value transfer and a demand deposit account issuer which hosts the demand deposit account that funds the value transfer. The sending entity is able to conduct a value transfer via a value transfer providing issuer using funds from an account with another issuer. | 2011-10-20 |
20110258112 | SYSTEM AND METHOD FOR CHARGING A VEHICLE - A system and method for charging a vehicle, including receiving electricity via a wall box mounted electrical receptacle or a plug-in receptacle electrically connected to an electrical energy source; establishing a connection between a communication module of the wall box mounted electrical receptacle or the plug-in receptacle and a communications network; receiving electrical energy source data; and controlling the charging of an electrical storage device of the vehicle by automatically controlling the charging based on the electrical energy source data. | 2011-10-20 |
20110258113 | Document Processing System Using Full Image Scanning - A system for tracking currency bills comprises a currency scanning device. The scanning device includes a sensor that retrieves currency identification characteristic information of each bill processed. The currency identification characteristic information permits the unique identification of each bill processed. The system further comprises a customer identification means and means for associating each processed bill with the customer depositing the bill. Means for identifying the customer (or customer account) associated with a particular processed bill after the deposit transaction has been completed is also included in the system. | 2011-10-20 |
20110258114 | APPARATUS AND METHOD FOR AN ELECTRONIC TELEPHONE WALLET AND/OR COMMUNICATION DEVICE WALLET - An apparatus and method for providing an electronic wallet device, including a memory device for storing payment identifier information associated with an account holder, a processing device for processing a payment command, wherein the processing device retrieves the payment identifier information from the memory device, and a transmitter for transmitting the payment identifier information to a merchant computer, wherein the merchant computer is associated with a merchant, and further wherein the payment identifier information is utilized in a transaction with the merchant. | 2011-10-20 |
20110258115 | MOBILE REMITTANCE COMPUTER SYSTEM AND METHOD - A computer system that executes a mobile device financial institution and/or financial regulatory compliant, for example, SWIFT and AML/CFT compliant, remittance across borders of countries by generation, at a mobile device via a mobile device service operator interface of a mobile network operator in a first country, of a remittance transaction based upon a remittance amount and a mobile device number of a remittance sending user. The remittance transaction is transmitted, via the mobile device service operator interface, to a mobile device remittance service computer. The mobile device remittance service computer transmits via a money manager interface the remittance transaction to a money manager in a second country for remittance to a remittance beneficiary. | 2011-10-20 |
20110258116 | System and Method for Issuer Originated Payments for On-Line Banking Bill Payments - Techniques for processing on-line banking bill payment requests are provided. A bill payment request is received from an operator of an on-line banking bill payment web site. The operator may be a bank. The request is for payment of a bill using a portable consumer device. A transaction request is then generated for an issuer and sent to the issuer for authorization. The issuer then sends a response indicating whether the transaction request is approved or declined. Remittance information for a biller is generated if the transaction is approved. The remittance information is then forwarded to the operator of the on-line banking bill payment web site for forwarding to a user of the portable consumer device. Additionally, the remittance information is sent to an acquirer or cash management bank, which can forward the information to the biller associated with the bill payment request. | 2011-10-20 |
20110258117 | MODIFICATION OF PAYMENT TRANSACTIONS IN REAL-TIME BASED UPON EXTERNAL DATA SOURCE - A system for, and method of using multiple data flows, both transactional and non-transactional, in real time to modify a transaction is disclosed. Further the use of transaction information in real time as a decision factor to trigger a different, non-transactional response, and the combination of the two approaches is disclosed. In particular, a network comprised of a plurality of software modules and databases is capable of combining current POS/POP transaction data, with a variety of other outside data sources to provide improved information for adjusting responses to transactions in real time. More specifically, the network utilizes payer facing systems to analyze the data in combination with well-known POS/POP transaction data and a variety of internal and external systems to combine information and provide modified transactions, related discounts and offers, and other relevant messaging to the payer. In addition, a specific method for analyzing for fraud within hybrid information transactions is disclosed and several examples to illustrate the invention are included. | 2011-10-20 |
20110258118 | 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. | 2011-10-20 |
20110258119 | DIGITAL CHECK TRANSACTION SYSTEM - A digital check transaction system including a receiver which receives, from a requestor, a request for confirming whether a check can be endorsed to a recipient to complete a transaction between the requestor and the recipient, a processor which processes the received request to determine whether the check can be endorsed, and a transmitter which, in response to the processor determining whether the check can be endorsed, transmits a response to the requestor indicating whether the check can be endorsed. | 2011-10-20 |
20110258120 | METHOD AND APPARATUS FOR SECURE ACCESS, PAYMENT AND IDENTIFICATION - According to one aspect, the invention provides a system for authenticating identities of a plurality of users. In one embodiment, the system includes a first handheld device including a wireless transceiver which is configured to transmit authentication information, a second device including a wireless receiver, where the second device is configured to receive the authentication information. | 2011-10-20 |
20110258121 | METHOD AND APPARATUS FOR PROVIDING AUTOMATED PAYMENT - An approach is provided for conducting transactions via an audio token base payment system. An audio payment manager receives a request, at a device, for payment to a merchant, the request including a password. In response, the audio payment manager retrieves a personal identification number from a user of the device, an identifier associated with the user, a session code, or a combination thereof. The audio payment manager then generates an audio token at the device based, at least in part, on the password, the personal identification number, the identifier associated with the user, the session code, or the combination thereof, and causes, at least in part, conveyance of the audio token to the merchant to initiate the payment. | 2011-10-20 |
20110258122 | PAYMENT SYSTEM TO FACILITATE TRANSACTIONS - Disclosed herein are systems and method for facilitating transactions between a merchant-partner and a customer. In general, the systems and methods include: (a) staging a transaction between the merchant-partner and the customer; (b) tokenizing the transaction by linking one or more transaction instructions to a token ID; (c) providing the customer with the token ID, wherein the customer can then present the token ID and a payment to a point-of-sale terminal; (d) receiving confirmation that the customer has presented, to a point-of-sale terminal, the token ID and a payment in accordance with the one or more transaction instructions; (e) notifying the merchant-partner that the customer provided the payment to the point-of-sale terminal; and (f) settling the transaction between the point-of-sale terminal and the merchant-partner. | 2011-10-20 |
20110258123 | DEVICES, SYSTEMS, AND METHODS FOR TOKENIZING SENSITIVE INFORMATION - Devices, systems, and methods for tokenizing sensitive information are provided herein. Methods may include the steps of receiving sensitive information via an input device, the input device being communicatively coupled to a transaction terminal, tokenizing the sensitive information at the input device to generate a token, and associating the token and the sensitive information together in a storage medium associated with the input device. | 2011-10-20 |
20110258124 | LEASE FINANCED ASSET TRACKING SYSTEM AND BUNDLED ASSET DOCUMENT GENERATOR - Embodiments of the invention relate to systems, methods, and computer program products for an automated and electronic means for financial institution clients to manage and track the funding of leased assets and, specifically, the combining of like assets into leased asset bundles for the purpose of generating lease records that include a leased asset bundle. By bundling assets and creating corresponding lease reports that include a leased asset bundle, the process for funding approval is streamlined, in that, document communication, signature requirements and overall tracking of documentation is minimized. In addition, an ancillary benefit is afforded the financial institution such that the bundled assets can be syndicated to third parties as a single schedule document. | 2011-10-20 |
20110258125 | Collaborative Social Event Planning and Execution - Collaborative social event planning and execution is disclosed. The embodiments herein relate to event planning and, more particularly, to collaborative event planning. In existing event planning schemes do not satisfy the requirements of users as there are no means to personalize the planning to suite the requirements of the user. They have a predefined template for each event and anything other than the template cannot be implemented. The collaborative social event planning mechanism provides a mechanism wherein users may plan any kind of event as per his choice. The method allows flexible planning environment to create event plans, create templates to suit user's requirement and also share it with others. The content and templates are community generated. Also, allows for multi-device mobile access. There is dynamic collaboration among event managers and collaborator teams. In addition, the method provides a unique monetization model and facilitates sponsors, advertisers to display their content. | 2011-10-20 |
20110258126 | SYSTEMS AND METHODS FOR DETERMINING A WARRANTY OBLIGATION OF A SUPPLIER TO AN ORIGINAL EQUIPMENT MANUFACTURER FOR A VEHICLE BATTERY PACK - A method for determining a warranty obligation of a supplier to an OEM for a vehicle battery pack of a vehicle is provided. The battery pack was previously purchased by the OEM from the supplier. The method includes retrieving an operational parameter associated with a component of the vehicle battery pack or a battery management system. The method further includes determining whether the operational parameter is less than or equal to a threshold value. The method further includes reimbursing the OEM or crediting a financial account associated with the OEM for at least a portion of the cost of the replacement battery pack by the supplier if the operational parameter is less than or equal to the threshold value. | 2011-10-20 |
20110258127 | METHOD, COMPUTER PROGRAM PRODUCT, DEVICE, AND SYSTEM FOR CREATING AN ELECTRONIC APPRAISAL REPORT AND AUDITING SYSTEM - The present disclosure discloses a method, computer program product, device, and system for creating an electronic appraisal form with auditing capabilities. The device includes a display, a data input module, a location detection module which detects a geographic position, a communications interface which communicates with a real estate database, and retrieves real estate data for a property located at the geographic position detected by the location detection module. The device further includes a processor which creates an electronic appraisal template including a plurality of data fields, the plurality of data fields being automatically populated based on the received real estate data for the property located at the geographic position, and an audit tracking module which maintains a record of data initially presented for inclusion in an appraisal report, but ultimately excluded from the appraisal report. | 2011-10-20 |
20110258128 | RECYCLE PROGRAM - A system and method for automating the activities associated with a recycling program and to improve recycling participation. The recycling program adapts social science principles to significantly increase long term participating rates in the recycling activities by promoting positive behavioral changes to encourage higher participation in the recycling program by implementing group dynamic features relating to group decision making. One aspect of the invention is that it provides financial incentives in the form of rewards coupons to anyone engaged in recycling through a Rewards for Recycling Community Club and the coupons are redeemable at participating merchants who contribute the rewards coupons as members of the community recycling club. | 2011-10-20 |
20110258129 | Post Approval Management System of Export Licenses - A system and method for managing export licenses is disclosed. More particularly, but not by way of limitation, a system and method for managing creation of export license amendment forms relating to export and import of defense-related articles and services subject to regulations and regulatory agencies such as: United States Munitions List (USML), International Traffic in Arms Regulations (ITAR), Bureau of Industry and Security (BIS), and the Directorate of Defense Trade Controls (DDTC) are disclosed. Also, disclosed is a method and system for managing updates to authorizations and tracking of exported goods. | 2011-10-20 |
20110258130 | Computing systems and methods for electronically indicating the acceptability of a product - Computing systems and methods for electronically indicating the acceptability of a product. An image capture and communication device may analyze a product label that includes one or more monitors, authentication elements, and identification elements. The image capture and communication device may determine the type and features of the monitors, authentication elements, and identification elements and, based on the type of the monitors, authentication elements, and identification elements. The image capture and communication device may transmit data based on the type and features to a host server, which may transmit data associated with the host product to the image capture and communication device in, inter alia, the form of an acceptability report. | 2011-10-20 |
20110258131 | SYSTEM AND METHOD FOR SHARING INFORMATION - A method is provided for recommending a product to a plurality of people. The method comprises the following steps. A consumer is provided with an entry point to recommend the product. The consumer is then provided with at least one applet configured for a corresponding social network. The applet is used to create a custom recommendation personalized by the consumer, and disseminate the custom recommendation amongst the consumer's contacts within the social network. A computer readable medium including instructions for implementing the method is also provided. | 2011-10-20 |
20110258132 | METHOD AND SYSTEM FOR MATCHING EMPLOYERS WITH JOB-SEEKING INDIVIDUALS - A system for proactively marketing job openings via an employment clearinghouse in communication with employers and outreach organizations serving potential employees is provided. The employment clearinghouse provides information and services related to employment; receives one or more job openings from an employer; geocodes the one or more job openings to determine a location for each of the one or more job openings; determines, for each of the one or more job openings, one or more outreach organizations within a predetermined distance of the location determined for the job opening; and presents the received one or more job openings to the one or more determined outreach organizations. | 2011-10-20 |
20110258133 | ELECTRONIC BUSINESS TRANSACTION SYSTEM - An electronic business transaction system is provided for a product purchaser to purchase a product from a product supplier, and for a product delivery service provider to deliver the product to an address of the product purchaser or a product receiver. The product purchaser instructs an identification code and the product to the product supplier without disclosing a name and the address of the product purchaser or the product receiver. A terminal of an information administrator identifies the name and the address of the product purchaser or the product receiver according to the identification code of the product purchaser or the product receiver. The terminal of the information administrator instructs the name and the address of the product purchaser or the product receiver to the product delivery service provider without disclosing the identification code of the product purchaser or the product receiver, so that the product delivery service provider delivers the product. | 2011-10-20 |
20110258134 | METHOD AND SYSTEM FOR PROVIDING ADAPTIVE PROCESSING AND DELIVERY OF FOOD CATERING ORDERS - Embodiments of the invention include a system for providing adaptive processing and delivery of food catering orders. The system includes a computer server configured to store schedule information, a website operatively associated with the computer server to receive food catering orders, and a commissary to produce food elements arranged within one or more boxes. The schedule information includes a delivery zone, at least one delivery shift associated with the delivery zone, and a plurality of time slots associated with the at least one delivery shift, which can be adjusted according to certain inputs. A method includes receiving a food catering order, determining whether a selected time slot within a delivery schedule is available for the order, and either storing information about the order in a server or making an offer for an alternative actions. Embodiments of the invention also include shifting delivery resources between adjacent delivery zones. | 2011-10-20 |
20110258135 | Method for Planning the Travel Route of A Transport Vehicle, Transport Vehicle - There is provided a method for planning the travel route of a transport vehicle by which a plurality of transported items are transported. The method comprises providing an RFID tag for each transported item, wherein RFID antennas on the transport vehicle determine the load of the transport vehicle in that the individual RFID tags of the transported items are scanned inside the transport vehicle. The method also comprises scanning the RFID tags belonging to the transported items before the transport vehicle is loaded, via a reading process on an RFID packing bench. The route is planned at least on a basis of destination addresses for the transported items. The route may be changed dynamically on the basis of current traffic conditions and on the basis of items that have been newly loaded into the transport vehicle. | 2011-10-20 |
20110258136 | INTEGRATION FRAMEWORK FOR ENTERPRISE CONTENT MANAGEMENT SYSTEMS - Integration framework for enterprise content management systems, in which a request related to performing an operation associated with enterprise content management is received from a customer relationship management application. In response to the request, a standard user interface is provided and user input that is entered into the standard user interface and that requests performance of an enterprise content management operation is received. In response to the user input, a particular enterprise content management system to perform the enterprise content management operation is identified from among multiple, different enterprise content management systems and a particular connector component configured to interface with the particular enterprise content management system is selected from among multiple, different connector components. The particular connector component is used to interface with the particular enterprise content management system and control the particular enterprise content management system to perform the enterprise content management operation. | 2011-10-20 |
20110258137 | METHOD FOR IMPROVING CUSTOMER SURVEY SYSTEM - A global customer satisfaction system includes point-of-sale customer feedback terminals for receiving in-store customer feedback including satisfaction ratings and other customer feedback regarding participating vendors as the customer pays for purchases. The system also includes post-sale customer feedback terminals for receiving more detailed customer feedback regarding the vendors from members after the sales have been completed. The system also includes an aggregation and dissemination system for combining the ratings received form customers into global customer satisfaction ratings for participating vendors, and disseminating the customer satisfaction information through customer satisfaction qualified directories, which are organized or searchable by geographical, type of product or service offered by the participating vendors, and other factors. | 2011-10-20 |
20110258138 | ABSTRACTING AND REALIZING COMPLEX EVENT SCENARIOS USING DYNAMIC RULE CREATION - Systems, methods and articles of manufacture are disclosed for creating, reconfiguring, and reusing business scenarios. In one embodiment, a complex event processing (CEP) tool expert generates a business scenario template using a CEP tool. Once the business scenario template is generated, a business user may generate multiple business scenario instances from the business scenario templates, without using the CEP tool and without involvement from the CEP tool expert. | 2011-10-20 |
20110258139 | Customizable investment fund and investing education - A comprehensive, convenient, cost-effective, and intuitive mechanism for individuals to create, manage, and modify customized portfolios of assets and liabilities based on the individual's investment preferences, weighting schemes, risk tolerance, and timeframe. The mechanism includes a server ( | 2011-10-20 |
20110258140 | RLIF PROGRAM AND PROCESSOR - A method for creating a program for pooling of longevity risks among investors comprising in any order the following steps, all or part of the steps being performed by, or with the aid of, a computer: creating pools of investors by grouping together investors who select the same investment maturity date; establishing periodic valuation dates for the investors' accounts; investing investors' funds in the investment portfolios, which the investors selected from the investment portfolio choices made available to them under the program; determining the value of the investors' accounts on the valuation date according to a predetermined formula; and, distributing their account value to the investors who, as of said valuation date, have met the requirements of a predetermined maturity date rule. | 2011-10-20 |
20110258141 | METHOD FOR CREATING AND DELIVERING CUSTOMIZED COMPLIANCE INFORMATION - A method and system to create personalized investor information packages, based on investor information, to be delivered to the investor to satisfy both compliance regulations and investor preferences. The method and system may deliver information in a paper or electronic format. | 2011-10-20 |
20110258142 | Using Commercial Share of Wallet To Rate Investments - Commercial size of spending wallet (“CSoSW”) is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet (“CSoW”) is the portion of the spending wallet that is captured by a particular financial company. A modeling approach utilizes various data sources to provide outputs that describe a company's spend capacity. A mutual fund rating company can use this CSoW/CSoSW modeling approach to predict the performance of funds that invest in a particular industry or sector. In addition, since mutual funds often provide guidelines for selecting stocks, rating companies can use this modeling approach to predict the performance of companies in a fund's portfolio. | 2011-10-20 |
20110258143 | SYSTEM, METHOD AND PROGRAM TO ESTIMATE COST OF DISTRIBUTING SOFTWARE - System and computer program product for estimating the cost of an ESD for software and subsequent updates for the software. Various cost factors can be considered such as one or more of the following. First program instructions determine a cost of the ESD associated with packaging together components of the software. Second program instructions receive a selection from an operator whether to push or pull the subsequent updates to a customer, and determine a cost for distributing the subsequent updates based on the selection. Third program instructions estimate a cost of the ESD associated with a type of program used by the customer to create images of the software. Fourth program instructions estimate a cost of the subsequent updates associated with distributing the updates to a remote distribution site, and then distributing the updates from the remote distribution site to the customer based on a type of customer tool used to download the updates from the remote distribution site. Fifth program instructions sum together the various costs. | 2011-10-20 |
20110258144 | Just 200 - The Just 200 is a market capitalization weighted stock market index. It is used to track the movements of the broad US stock market. Stocks represent ownership. With ownership comes economic results and voting power. However, some companies restrict, or even remove, the voting power of some stockholders. The Just 200 is meant to be the index of choice for individuals buying stocks through an index fund because it has been designed to be the fairest to individual investors because it excludes ALL SECURITIES of companies who don't give all owners equal voting rights. The logic behind it is that every share should be entitled an equal ownership vote. Any company who doesn't adhere to that standard is curtailing the rights of individuals and should have their securities boycotted. No major stock market index uses this rule. | 2011-10-20 |
20110258145 | METHOD OF MANUFACTURING ARTICLES - A manufacility ( | 2011-10-20 |