43rd week of 2013 patent applcation highlights part 64 |
Patent application number | Title | Published |
20130282517 | Methods, Systems, and Products for Electronic Purchases - An electronic shopping cart may reference multiple items from different merchants. Any merchant may inspect the electronic shopping cart and make counteroffers to a purchaser. If the purchaser approves one of the counteroffers, then an item in the electronic shopping cart is replaced with a substitute item offered by a different merchant. | 2013-10-24 |
20130282518 | METHOD, SYSTEM AND CONTROLLER FOR PROVIDING GOODS AND/OR SERVICES TO CONSUMERS - Method, system, and a controller are provided for a selection service recommending or providing access to goods or service items to a consumer. A set of available items is identified, at least some of which require payment to item-providers for access. A measure of likely enjoyment of each available item by the consumer is predicted, and a measure of value for money of each available item for the consumer is calculated. Access to items is provided to the consumer that will represent good value for money. | 2013-10-24 |
20130282519 | RECOMMENDATION SYSTEM WITH USER INTERFACE FOR EXPOSING DOWNSTREAM EFFECTS OF PARICULAR RATING ACTIONS - An interactive system generates personalized item recommendations for users based partly or wholly on ratings assigned by the users to particular items. The system includes an item rating user interface that enables a user to view, prior to rating an item, information regarding the types of items that will be recommended to the user if the user assigns a particular rating or type of rating to the item. The user interface thereby enables users to refrain from performing rating actions that will tend to result in low utility or “poor quality” recommendations from the users' perspectives. | 2013-10-24 |
20130282520 | SYSTEMS AND METHODS FOR PRIORITIZING LOCAL SHOPPING OPTIONS - Systems and methods to provide a prioritized shopping system are discussed. For example, a method can include receiving a list of target items, receiving busyness data for a plurality of local merchants, developing a prioritized shopping plan, and communicating the prioritized shopping plan to a mobile device. Each target item in the list of target items can represents a product or service that a user has indicated an interest in purchasing. The prioritized shopping plan is based at least in part on the busyness data and the list of target items. Busyness data provides an indication of traffic levels within at least a portion of the plurality of local merchants. | 2013-10-24 |
20130282521 | PUBLISHING, LICENSING, DISTRIBUTING AND/OR CONSUMING EDUCATION E-CONTENT - Disclosed herein are systems, methods and storage medium associated with publication, licensing, distribution and/or consumption of education e-content. In various embodiments, a method may include receiving, by a license server, from a publisher server associated with one of a number of unassociated publishers meta-data associated with an education e-content published by the one publisher. The license server may be configured to serve the unassociated publishers. Further, the method may include receiving, by the license server, an order for the education e-content including consumption device related information that at least facilitates identification of one or more consumption devices to receive the educational e-content. The method may include generating, by the license server, a license including the meta-data and the consumption device related information for use by a content server to distribute the education e-content to one or more consumption devices to fill the order, and transmitting, by the license server, to the content server, the license. Other embodiments may be disclosed or claimed. | 2013-10-24 |
20130282522 | REAL-TIME DIGITAL INVENTORY SYSTEMS AND METHODS - In one embodiment, a system comprising: a communications device, comprising: a memory comprising logic and a user-configured data structure; and a processor configured with the logic to: receive real-time information corresponding to a plurality of purchasable products located in a store, the real-time information received from a node located proximal to the purchasable products; match product information stored in the data structure with the received real-time information; and identify to a user a location within the store of a product with the stored product information that matches the received real-time information. | 2013-10-24 |
20130282523 | NETWORK SERVICE PROVIDER ASSISTED PAYMENT FRAUD DETECTION AND MITIGATION METHODS AND APPARATUS - Fraud detection and/or detection of discrepancies between customer provided information and reliable information corresponding to a customer are described. The methods and apparatus are particularly well suited for Internet and/or other E-commerce transactions. A payment company, e.g., a credit card/debit card provider, as part of a transaction authorization, sends a query to a customer's ISP with some information corresponding to the payer/customer requesting the transaction (e.g. name, billing address, etc.) and the source IP address the customers is using during the transaction. The source IP address is used by the ISP provider to identify a device and/or physical location using the IP address and a customer record corresponding to the device/physical location using the IP address. In at least some embodiments the ISP returns a “matching score” based on how well the customer information matches information in the ISP's customer information record corresponding to the identified location. | 2013-10-24 |
20130282524 | SYSTEMS AND METHODS FOR PROVIDING REAL ESTATE SERVICES - Real estate brokerage systems and methods are provided. A user may sign up for a real estate brokerage service via a system, such as a website or other network accessible software program. A real estate brokerage system may aggregate information from multiple computer-based real estate information systems, such as an MLS, governmental offices, title companies, credit rating companies, etc. The real estate brokerage system can provide a graphical user interface (GUI) to allow users to access the system and services. The systems and services may be provided for a periodic rate, such as a daily rate, that is independent of the value or selling amount of a listed property. There can also be add-on services, such as photography or staging, for additional amounts, which might be recurring or a one-time charge. | 2013-10-24 |
20130282525 | METHOD TO FACILITATE THE ORDERING OF PRODUCTS - A method to facilitate the ordering of products offered for sale on a merchant's website by a user through an agent is provided. The method includes the steps of collecting, on the user processing device, data permitting an identification of a first merchant's website being viewed by the user and an identification of a first product presented on this website (first identification data) automatically by executing a computer program; and transferrin, from the user processing device to an agent processing device, the first identification data. | 2013-10-24 |
20130282526 | METHOD AND SYSTEM FOR DISPLAYING PRODUCT INFORMATION ON A CONSUMER DEVICE - A method for displaying product details on a consumer device includes: preparing digital media for display on the device; detecting whether the digital media includes at least one product available for purchase; receiving a plurality of product data sets, each set associated with a product identifier and product details for an available product, the product details including information to initiate a transaction for the product; identifying an index of products in the digital media, the index including for each product a display location and a product identification number; receiving an indication from a user identifying a selected product in the digital media based on a display location in the digital media of the product and/or selection from a listing of the product in the index; retrieving product details for the product based on the product identification number and the product identifier; and displaying the retrieved product details. | 2013-10-24 |
20130282527 | SYSTEM AND METHOD OF PROVIDING ELECTRONIC AND INTERACTIVE REPLICATIONS OF PUBLICATIONS - The present invention provides systems and methods for enabling viewers of static publications to obtain additional information regarding products therein from electronic and interactive representations of the products on a computer network. | 2013-10-24 |
20130282528 | SUGGESTED ITEM CATEGORY SYSTEMS AND METHODS - A method and a system that associate items offered by sellers and others with selected categories within a network-based system are provided. The method and system may operate to include receiving a request including an item identification having at least one token, parsing the item identification to identify the token, and assigning a token weight to the token based on a total number of items offered at a site and a number of items offered at the site and associated with the token. | 2013-10-24 |
20130282529 | EXTERNALIZING VIRTUAL OBJECT TAGS RELATING TO VIRTUAL OBJECTS - A system and method in a virtual universe system for tagging objects in one virtual world so that avatars in other virtual worlds can search for, review, purchase, and exchange real goods and virtual objects. In a virtual universe having more than one virtual world, an object in one virtual world may be tagged with a seller identification, an advertising location, an item type, and details of the item. The object may then be externalized to other virtual worlds within the virtual universe for searching. | 2013-10-24 |
20130282530 | System and Method for Choosing a Contractor - A method for allowing a user to select a contractor is provided. The method includes providing a contractor database, the database allowing the contractor to input contractor information; displaying a list of tasks that the contractor offers to perform and a billable rate at which the contractor offers to perform each task on the list; allowing the user to input a list of desired tasks to be performed and available dates for the contractor to perform each desired task; generating a list of contractors available to perform the desired tasks within the available dates; and allowing the user to select a contractor from the list of contractors. A non-transitory machine-readable storage medium for performing the method is also provided. | 2013-10-24 |
20130282531 | SYSTEM AND METHOD FOR GENERATING EXPONENTIAL EXPANSION OF COMMERCE - A system and method for turning a buyer into a prospective seller in an electronic marketplace. After the buyer enters into a binding agreement to purchase an item, the buyer is provided with an option of re-listing the purchased item for resale. The purchased item is re-listed if the buyer opts to re-list it. An ecommerce listing to sell the purchased item is automatically generated based on the previous listing. The user only needs to provide the selling price to complete the listing. The purchased item can be re-listed in the same marketplace where the item was purchased or in a different marketplace. | 2013-10-24 |
20130282532 | SYSTEMS AND METHODS FOR PRESENTATION AND ANALYSIS OF MEDIA CONTENT - Information is provided a user of a mobile device. Media content is sensed by the mobile device and sent to an information processing server. The information processing server also obtains media content from another source and associates at least a portion of the obtained media content with a product or service offer. The sensed media content is correlated to the obtained media content such that an associated buy or service offer is selected. The buy or service offer is sent to the mobile device for display to the user. | 2013-10-24 |
20130282533 | PROVIDING AN ONLINE CONSUMER SHOPPING EXPERIENCE IN-STORE - Systems, methods and apparatus are described for providing an online shopping experience to a consumer who is shopping at a merchant's physical retail location. In an embodiment, a method includes a providing a consumer shopping experience website to obtain at least one of consumer registration data, consumer mobile device data, a consumer shopping list, merchant registration data, and merchant inventory data. In an implementation, a mobile shopping application is provided on a consumer's mobile device operable to provide information such as merchant store locations, merchant inventory, in-store product location data, product review information, and shopping cart information. The method includes receiving a request for shopping information, generating the requested shopping information, and transmitting the shopping information to the consumer mobile device in real time, while the consumer is in a merchant's store. | 2013-10-24 |
20130282534 | DATA STORAGE AND ACCESS SYSTEMS - Data storage and access systems enable downloading and paying for data such as audio and video data, text, software, games and other types of data. A portable data carrier has an interface for sending and receiving data, data memory for storing received content data, and payment validation memory for providing payment validation data to an external device. The carrier may also store a record of access made to the stored content, and content use rules for controlling access to the stored content. Embodiments store further access control data and supplementary data such as hot links to web sites and/or advertising data. A complementary data access terminal, data supply computer system, and data access device are also described. The combination of payment data and stored content data and use rule data helps reduce the risk of unauthorized access to data such as compressed music and video data, especially over the Internet. | 2013-10-24 |
20130282535 | REOPENING A FINAL CLOSED PURCHASE ORDER FOR CONTINUATION OF RECEIPT AND INVOICE - A method of calculating accounting encumbrance adjustments for a purchase order associated with a first allocation of a budget includes determining that the purchase order has been closed, where the closure prevents additional processing associated with the purchase order by an invoice processing system; receiving a request to reopen the purchase order, where the request is associated with an additional cost; causing a determination to be made as to whether a second portion of the budget should be allocated, where the second portion of the budget corresponds to the additional cost; and in response to a determination that the second portion of the budget can be allocated: causing the second portion of the budget to be allocated, reopening the purchase order, and sending an indication to the invoice processing system that the purchase order is reopened. | 2013-10-24 |
20130282536 | SYSTEMS AND METHODS FOR MANAGING ELECTRONIC TICKET PASSES - Techniques for managing electronic ticket passes are described. Some embodiments provide an electronic ticket pass system (“ETPS”). The ETPS provides an electronic ticket pass that enables entry by a customer to multiple venues selected by the customer. When a customer visits a venue, the ETPS validates the customer's electronic ticket pass and tracks their visit to the venue. Upon expiration of the ticket pass, the ETPS credits the venues visited by the customer based on the price of the electronic ticket pass, the individual admission price for each venue, and handling fees. | 2013-10-24 |
20130282537 | UTILIZING MULTIPLE VERSIONS OF FINANCIAL ALLOCATION RULES IN A BUDGETING PROCESS - Embodiments are directed towards budgeting and financial forecasting related to information technology and services. Budgets may comprise one or more, model layers that may include cost objects and one or more allocation rules. Users may create and modify a budget and modifications made to a budget may generate corresponding change entries that may be stored in an audit log. Also, users may create and/or record tags that may be associated with change entries that may correspond to a snapshot of the state of the budget main branch. Users may use a tag to generate one or more new budget versions based on the change entries that may be associated with the tag. The new budget versions may be further modified by the user separate from the budget each other budget. Also, budget versions may have different cost objects and/or allocation rules. | 2013-10-24 |
20130282538 | INFORMATION MODEL FOR PROPERTY RECORDS MANAGEMENT - An information model for a party and property records management system includes a legal party role object for maintaining relationships between objects, such as legal party objects and revenue-object objects, within the information model. A legal party object could have several associated objects, such as an identification number object or a legal party communication object. | 2013-10-24 |
20130282539 | DISTRIBUTED TAX-RETURN-PREPARATION PROCESSING - A method and system includes providing to a tax-data provider a set of computer-executable instructions that, when executed by an electronic device, generate a user interface displayable on a display device coupled to the electronic device and operable to enable the tax-data provider to enter a tax-data set. The electronic system receives, but does not store, the tax-data set. A mathematical operation is performed using the received tax data, yielding a value. The electronic system provides the value to the electronic device. | 2013-10-24 |
20130282540 | CLOUD COMPUTING CONSOLIDATOR BILLING SYSTEMS AND METHODS - A consolidated bill for commodity computing services may be unconsolidated by obtaining periodic usage statistics corresponding to computing-commodity usage specific to each entity whose consumption is included in the consolidated bill. Based at least in part on the usage statistics and on one or more entity-specific discount entitlements, a discounted billing rate that is applicable to at least some of an entity's usage can be determined, as can a non-discounted billing rate. Using the determined statistics and billing rates, an unblended cost for each entity's specific commodity usage can be computed and stored for subsequent presentation to each entity and/or for further processing. | 2013-10-24 |
20130282541 | Utility Services Payment System, Methods and Apparatus - The invention provides methods, systems and apparatus for combining aspects of a prepay and post pay utility service billing arrangement. When a customer enrolls in the program with the system, utility service is initiated and a first bill is generated and transmitted; the amount of the first bill is an estimated amount of charges for the service to be provided during a first period. In subsequent billing periods, subsequent bills are generated and transmitted and each includes an estimated amount of charges for the subsequent period as well as a difference between actual and estimated charges for the service during the previous billing period, less any payments received from the customer. Service may be terminated if the customer withdraws from the program, if the customer fails to make timely payments, or for other reasons. If service is terminated, a final bill may be generated and transmitted based on actual charges, net of any amounts | 2013-10-24 |
20130282542 | METHOD, APPARATUS AND SYSTEM FOR RETRIEVING FINANCIAL DATA - A method for retrieving financial data for a budget is described. The method includes receiving, by a computer, a request for at least one monetary value representative of a sum of money to allocate for a particular outcome. The request is parsed, by a computer, to determine at least one expense item required to achieve the particular outcome. Ancillary information is retrieved relating to said at least one expense item, the ancillary information comprising a cost value representative of said at least one expense item. The retrieved ancillary information is processed to output said at least one monetary value. | 2013-10-24 |
20130282543 | COMPENSATION BASED ON ENTITY GROUPS - Various implementations for providing compensation based at least in part on a number of entity groups are described. A relationship network associated with an entity includes a plurality of network entities. The relationship network is determined, and a number of entity groups within the relationship network are counted. The entity groups have a predetermined number of network entities. An entity is caused to be provided with compensation that is based at least in part on the number of entity groups in the relationship network. | 2013-10-24 |
20130282544 | METHOD AND SYSTEM FOR OPTIMIZING RETIREMENT AND HEALTHCARE BENEFITS - A method is provided for optimizing healthcare and retirement benefits for an employee. The method includes receiving information about at least one medical insurance plan and at least one retirement savings account for which the employee is eligible and selecting for the employee a medical insurance plan from the at least one medical insurance plan. The method also includes determining a first amount for the employee to contribute on a pre-tax basis to at least one health care savings account. The first amount is at least equal to an estimated total of eligible expenses not covered by the medical insurance plan. The method further includes determining a second amount for the employee to contribute to the at least one retirement savings account. Selection of the medical insurance plan, the first amount and the second amount optimize the healthcare and retirement benefits for the employee. | 2013-10-24 |
20130282545 | Marketplace for Monitoring Services - A marketplace for monitoring services providers may configure and deploy monitoring and other services that meet a solution definition for a given application. The services may include monitoring and tracing, analysis, rendering, debugging, optimizing, load generating, and other solution providers. The solution definition may include a schema or other data definitions for parameters gathered during application execution, as well as definitions for parameters or solutions that may be desired. The marketplace may identify those services that may be configured to meet the solution definition, then configure and deploy the selected services. A financial clearinghouse may handle financial payments to the various service providers. | 2013-10-24 |
20130282546 | GENERATING INCOME FROM UNUSED CREDIT - A system includes one or more computers operable to electronically receive a request to deposit a first unused credit guarantee with a financial institution, and an unused credit account database configured to store the unused credit guarantee in a corresponding electronic account. | 2013-10-24 |
20130282547 | Exchange-Traded Basis Derivative Contracts - An exchange computer system creates, trades and/or otherwise manages basis derivative contracts. At maturity, a basis derivative contract may have two components. A first component may require a party to the basis derivative contract to make or take some type of delivery related to a particular subject matter. A second component may require the basis derivative contractee to accept a further obligation under one or more derivative contracts related to the subject matter. | 2013-10-24 |
20130282548 | MONETIZING FINANCIAL BROKERAGE DATA - Method and systems for monetizing financial brokerage accounts are disclosed. One aspect for certain embodiments includes mining data from financial brokerage accounts and monetizing the mined data and providing to the customer an unlimited number of free trades for an unlimited period of time. | 2013-10-24 |
20130282549 | COMPUTERIZED APPARATUS FOR ENHANCED TRANSMISSION OF ORDERS AND MARKET DATA BETWEEN TRADERS AND ONE OR MORE EXCHANGES - An automated market data distribution system uses proprietary order flow information to provide a trader (or an automated trading system) with an enhanced version of a received market data feed that avoids the need for the trader or automated trading system to always wait for a response to a prior order from such exchange before submitting further orders. The data distribution system preferably comprises a geographically distributed data network with market data enhancement and intelligent order routing capabilities in each region that not only provides each region with market data that is enhanced with order flow data from other regions, but that also employs statistical data and heuristics to re-route and/or cancel orders from a trader in one region to an exchange in another region. | 2013-10-24 |
20130282550 | Monetizing Financial Brokerage Data - Method and systems for monetizing financial brokerage accounts are disclosed. One aspect for certain embodiments includes mining data from financial brokerage accounts and providing to the customer an unlimited number of free trades for an unlimited period of time and not advertising to the customer on items or services that are identical or similar to items or services already purchased by the customer. | 2013-10-24 |
20130282551 | ACQUIRING PEOPLE - Systems and methods are disclosed for displaying to a user, names associated with a plurality of real persons, wherein each person can be acquired by the user at a respective monetary value, displaying to the user a value of an account, receiving from the user a request to acquire a person, responsive to the request, reducing the value of the account by a monetary value of the acquired person, and displaying to the user the name of the acquired person. | 2013-10-24 |
20130282552 | AUTOMATED FOREX FUNCTION IN AN ASSET STORAGE AND TRANSFER SYSTEM - A method of transferring asset value between a first storage media for storing and transferring asset value denominated in a first currency and a second storage media for storing and transferring asset value denominated in a second currency. A FOREX system includes a third storage media for storing and transferring asset value denominated in the first currency and a fourth storage media for storing and transferring asset value denominated in the second currency. A first asset value amount, denominated in the second currency, to be transferred to the second storage media is determined. The FOREX system determines a third asset value amount denominated in the first currency, based on a second asset value amount denominated in the second currency. The first storage media transfers the third asset value amount to the third storage media, and the fourth storage media transfers the second asset value amount to the second storage media. | 2013-10-24 |
20130282553 | System and Method for Trading Derivatives in Penny Increments While Disseminating Quotes for Derivatives in Nickel/Dime Increments - A system and method for trading derivatives in penny increments while disseminating quotes for derivatives in nickel/dime increments is disclosed. A trading engine receives quotes for a derivative in penny increments from at least one entity. The trading engine rounds out the quotes for the derivative in penny increments to quotes for the derivative in nickel/dime increments. The quotes in nickel/dime increments are aggregated and disseminated. The trading engine receives bids and offers to take positions in the derivative based on the aggregate quotes for the derivative in nickel/dime increments and executes trades for the derivative by matching bids and offers to buy and sell positions in the derivative. | 2013-10-24 |
20130282554 | Interest Rate Swap Compression Match Engine - The disclosed embodiments relate to a system for trading using a central counterparty which allows market participants to minimize risk and/or transactional fees associated with a portfolio of bilateral positions without substantially altering a risk profile thereof. In particular, the disclosed embodiments allow a market participant holding a portfolio of heterogeneous bilateral positions, such as positions in interest rate swap (“IRS”) contracts, to net together similar but not identical positions within their portfolio, thereby reducing margin requirements and/or transaction fees, according to criteria specified by the market participant, and which may be different from criteria specified by other market participants, wherein the overall risk exposure desired by the market participant in entering into the positions remains substantially unchanged as does the desired overall risk exposure of the counterparty market participants to those positions. | 2013-10-24 |
20130282555 | SYSTEM OF EXCHANGE TRADING (EMBODIMENTS) - An exchange trading system comprising of a computer-assisted device having a feature of access to information about tendering and output of this information to the users' terminals, as well as a feature of input of position for increase or decrease in the cost of a quotation and cost of one minimum price change for this quotation. Terminals for real time trading sessions on the exchange, such as a smartphone. The computer-assisted device is a server configured to enable taking a position and calculation of profit and loss within the amount of money on the user's account. The control unit for the personal user account state has a feature of control for the state of the user's account registered in the organization of trading host and crediting by means of payment systems and money input devices and transfer of money to the account or cash payment. | 2013-10-24 |
20130282556 | Systems and Methods for Analyzing Disparate Treatment in Financial Transactions - Systems and methods are provided for analyzing disparate treatment in financial transactions. Data processing software instructions may be used to process lending-related data to identify a plurality of primary factors and one or more secondary factors for use making a lending-related decision. Model facilitation software instructions may be used to receive one or more relationships between the primary factors and the one or more secondary factors, wherein the relationships define criteria in which one or more positive secondary factors will compensate for a negative primary factor in making the lending-related decision. Model generation software instructions may be used to analyze lending-related data based on the primary factors, secondary factors and the one or more relationships. | 2013-10-24 |
20130282557 | METHOD OF AND SYSTEM FOR EVALUATING FINANCIAL RISK ASSOCIATED WITH A CONSTRUCTION PROJECT - A system and method for evaluating risks associated with a project based on project data from several projects. A project management server manages multiple, unrelated projects for a plurality of participants. The system manages each project by receiving and processing data associated with each project. Risks for a project are evaluated by aggregating project data from multiple projects. Risk assessment data for a particular project, based on the aggregated project data, is displayed to a participant of the project while access to the project data is limited to only projects with which the participant is associated. | 2013-10-24 |
20130282558 | METHOD AND SYSTEM FOR LOAN CLOSING - A method and system for electronically facilitating loan closing transactions that include sub-transactions involving third parties. The method and system provide functionality to quickly and easily order a sub-transaction and bill the respective party, or pay for the sub-transaction directly from various payment systems. An interactive closing document updates automatically as different services and sub-transactions are ordered. Designated parties to the transaction make and approve changes and updates to the interactive document as sub-transactions are completed and billed. The interactive document receives information from the earlier stages of the loan or mortgage transaction, and incorporates the information into the interactive closing document. Upon approval by all parties, at the closing of the transaction, the interactive closing document is generated as a hard copy for signature. | 2013-10-24 |
20130282559 | SYSTEMS AND METHODS FOR FACILITATING COMMERCIAL TRANSACTIONS UTILIZING A SYSTEM CURRENCY - Disclosed herein are systems and methods for facilitating commercial transactions between a plurality of associated parties utilizing a form of currency referred to herein as “system currency” which provides economic utility to all associated parties. The associated parties conducting commercial transactions may include one or more consumers, one or more vendors and one or more banks. The systems and methods for facilitation of commercial transactions may be embodied in a transaction facilitation system, which may comprise a computer network, a human-operated network, or another form of organization or network capable of providing the required functionality. A system transaction facilitator may be present for operating the transaction facilitation system. | 2013-10-24 |
20130282560 | APPLICATION ACCESSIBILITY SYSTEM AND METHOD - A system and method are provided for providing remote access to a software application over a communication network. In an embodiment, user information and authentication information are stored. An information processor provides a first instance of the software application to a computing device and captures a video stream associated with the first instance of the software application. The captured first video stream is processed to provide a first data stream that is interpretable by a web browser. The first data stream is sent to the browser, and a second data stream is received that represents input from the user. The second stream is decoded and the input represented by the stream is entered into the software application. | 2013-10-24 |
20130282561 | SEND AND RECEIVE SIDE CONTROL OF MONEY TRANSFER PARAMETERS - A computer system in a money transfer transaction. A request is received from a sender on a send computer to send a money transfer having a send amount. The sender is prompted on the send computer to select one or more parameters associated with the money transfer, the one or more parameters comprising money transfer receiver information including a receiver location. Money transfer fees associated with the money transfer are analyzed for a plurality of receive locations proximate the receiver location based on the selected one or more parameters. A receive location offering a lowest money transfer fee is selected from the plurality of receive locations. The send amount and fee for the selected receive location are collected from the sender. Information related to the money transfer is then stored, including the selected one or more parameters and the receive location, in a money transfer server. | 2013-10-24 |
20130282562 | SYSTEMS AND METHODS FOR PREVENTING FRAUDULENT PURCHASES - In one aspect, a computing apparatus is configured to monitor purchase transactions in accordance with rules and patterns learned in response to exposure to information relating to prior fraudulent transactions. A Fraud Alert Service (FAS) monitors and identifies possible fraud transactions based on stored data and learned behavioral patterns. The FAS integrates various entities to minimize financial loss to the entities due to fraudulent transactions through data integration, early detection, and timely notifications. | 2013-10-24 |
20130282563 | Systems and Methods for Routing Debit Transactions - Systems and methods for routing debit transactions. In one embodiment, a method for routing debit transactions can be provided. The method can include obtaining, by a routing determination system comprising one or more computers, information associated with a proposed debit transaction. The method can also include identifying, by the routing determination system based at least in part upon the obtained information, one or more merchant parameters associated with a merchant on whose behalf the proposed debit transaction will be submitted to a transaction processor. Further, the method can include determining, by the routing determination system based at least in part upon the one or more merchant parameters, a debit transaction network for routing the proposed debit transaction to the transaction processor, wherein the debit transaction network is included in a plurality of available debit transaction networks. | 2013-10-24 |
20130282564 | SYSTEM AND METHOD FOR TRANSMITTING APPLICATION DATA BETWEEN TWO COMMUNICATION DEVICES - The disclosure recites a system and method for transmitting data from a first communication device to a second communication device. The method comprises: accessing data relating to applications installed on the first communication device; upon activation of a transmit command at the first device, preparing the data for transmission to the second communication device; and upon establishment of a communication channel between the first communication device and the second communication device, transmitting the data from the first communication device to the second communication device over the communication channel. In the method, the data provides content identification data for the applications; and the applications are stored on a server for retrieval by the second communication device using the content identification data. | 2013-10-24 |
20130282565 | SYSTEMS AND METHODS FOR MANAGING TRANSACTIONS FOR A MERCHANT - A method and system for managing payment transactions for a merchant using a computing device coupled to a memory device is described. Each transaction is initiated by a consumer using a payment card. The method includes receiving a registration request from a candidate merchant for enrollment within a manager module wherein the registration request includes registration data associated with the candidate merchant, executing a primary approval process using at least some of the registration data, and transmitting an account request message requesting an opening of a merchant account for the candidate merchant with an acquiring bank upon approval. The method further includes receiving, in real-time, merchant account data associated with the candidate merchant from the acquiring bank upon approval by a secondary approval process wherein the candidate merchant becomes a registered merchant upon the secondary approval. The method further includes managing a first payment transaction submitted by the registered merchant. | 2013-10-24 |
20130282566 | Methods and Systems for Processing Payments Globally Over One of a Plurality of Processing Paths - Methods and systems of processing payments globally over one of a plurality of payment processing paths employ computer hardware and software for receiving a request to access a global payment utility, presenting a plurality of payment options by the global payment utility, and receiving information by the global payment utility consisting at least in part of a source of payment, a payment destination, and a user-designated payment vehicle. Upon receiving the information, one of a plurality of payment processing paths for the payment is selected according to a clearing rules aspect of a rules engine of the global payment utility, and the payment is routed for processing via the selected payment processing path. | 2013-10-24 |
20130282567 | Method and System for Secure Mobile Remittance - This invention provides a system and method for reducing the fraud related to remittance transactions initiated at web portals. In one embodiment, mobile technologies that are available to consumers can be used to reduce fraud associated with remittance transactions. For example, a funding agency computer that enables a remittance transaction can request that a mobile platform computer verify a customer with a mobile personal identifier. The mobile platform computer can request the mobile personal identifier from a customer via the customer's mobile handset device. The mobile platform computer can determine whether the identifier received from the customer's mobile handset device matches the mobile personal identifier stored for the customer. If the mobile platform computer is able to verify the customer, the mobile platform computer can provide a verification confirmation message to the funding agency computer. | 2013-10-24 |
20130282568 | SYSTEM AND METHOD FOR PROCESSING AND SETTLING PAYMENT INSTRUCTIONS RELATING TO VARIOUS FINANCIAL INSTRUMENTS - A system for facilitating settlement of payments relating to transactions involving financial instruments among multiple participants is provided. An interface receives from participants first and second instructions associated with a financial instrument of a first form, and first and second instructions associated with a financial instrument of a second form. A first processor establishes an association between, and applies a first set of pre-settlement rules to, the first and second instructions associated with the financial instrument of the first form. A second processor establishes an association between, and applies a second set of pre-settlement rules to, the first and second instructions associated with the financial instrument of the second form. | 2013-10-24 |
20130282569 | METHOD, TERMINAL AND SYSTEM FOR PROVIDING DATA TRANSMISSION AND FINANCIAL TRANSACTION BASED ON THE POSITION OF MOBILE TERMINALS HAVING SHORT-RANGE COMMUNICATION FUNCTION - Method and terminal for performing a financial transaction based on a relative position between terminals. A system for performing a financial transaction based on a relative position of mobile terminals includes: a user terminal configured to generate payment data in association with a transaction amount and to deduct the transaction amount from a payer account; a transaction terminal configured to receive the payment data from the user terminal by use of short-range communication and to add the transaction amount corresponding to the payment data to a payee account; and a financial server configured to approve the financial transaction based on the payment data, wherein the payment data is determined by a positional relationship between the user terminal and the transaction terminal. | 2013-10-24 |
20130282570 | METHOD AND SYSTEM FOR NFC TRANSACTION - A method for performing a transaction between a portable device and a transaction terminal includes establishing a communication channel between the portable device and the transaction terminal; establishing a first data link between the transaction terminal and the transaction server; and using an application program in the transaction server to perform the transaction with the transaction terminal through the data link, on behalf of the portable device. | 2013-10-24 |
20130282571 | System and method for dynamic contact management - A system for dynamic contact management may include storing in a database, a patent entry that includes data fields for a payment due date and a payment amount associated with a fee due; associating a primary contact and at least one secondary contact with the patent; receiving contact information for the primary contact and contact information for the at least one secondary contact; determining if the primary contact is available by periodically contacting the primary contact using the contact information for the primary contact before the payment due date; and when it is determined the primary contact is not available: contacting a secondary contact of the at least one secondary contact to retrieve updated contact information for the primary contact; and when it is determined the primary contact is available: storing an indication in the database that the contact information for the primary contact is up-to-date. | 2013-10-24 |
20130282572 | SYSTEM AND METHOD FOR THE DISTRIBUTION OF SOFTWARE PRODUCTS - A system and method for selling software products over a network. The system includes a server computer with access to software products. The system is configured to allow a user to purchase a subscription for the periodic acquisition of selected software products. In one embodiment, as part of the subscription, the user pays an amount during selected billing intervals. In return, the system issues to the user a number of credits for downloading at no additional charge at least one of the software products during a credit interval, which may be equal in length to the billing interval. In one embodiment, the system debits a number of credits in response to fulfilling a user's purchase request. The system may be also configured to deduct credits that are not used within selected credit intervals. | 2013-10-24 |
20130282573 | PAYMENT CARDS AND DEVICES WITH GIFT CARD, GLOBAL INTEGRATION, AND MAGNETIC STRIPE READER COMMUNICATION FUNCTIONALITY - A payment card (e.g., credit and/or debit card) or other device (e.g., mobile telephone) is provided with a magnetic emulator operable to communicate data to a magnetic stripe read-head. Gift cards may be inputted by a user into such a payment card or other device such that a user can combine gift cards. Similarly, a user be provided with a global payment account that can be utilized in multiple countries that have different standards for formatting data. A user may be provided with a default country (e.g., United States) but may have a way to select that the user is in a different country (e.g., Japan). Accordingly, a user may select that a Japanese data structure be transmitted through a magnetic stripe reader when the user is in Japan. | 2013-10-24 |
20130282574 | M-COMMERCE VIRTUAL CASH SYSTEM, METHOD, AND APPARATUS - A virtual cash system, method, and apparatus has an account record containing a record of money amounts associated with a wireless device and a transmitter for wirelessly transmitting to the wireless device predetermined information from the account record. Cash amounts can be spent from the account record directly from the wireless device via information derived from the wireless device via a bar code on the display, a short range radio signal, a light beam, or the like. A different security code is generated for each account transaction for verification. | 2013-10-24 |
20130282575 | SYSTEMS AND METHODS FOR PROGRAMMABLE PAYMENT CARDS AND DEVICES WITH LOYALTY-BASED PAYMENT APPLICATIONS - A payment card (e.g., credit and/or debit card) or other device (e.g., mobile telephone) is provided with a magnetic emulator operable to communicate data to a magnetic stripe read-head. Data may include the type of reward that a user would like to earn as a result of making a purchase or the type of reward that a user would like to utilize to at least partially pay for a purchase. | 2013-10-24 |
20130282576 | Banking Security Feature - A bank terminal may include a security feature adapted to access a set of primary accounts if a first set of authentication data is received and a set of alternative accounts if a second set of authentication data is received, and an alert feature adapted to generate alert signals to an external entity. A method of performing secure banking procedures may determine whether an input signal matches a set of authentication and/or security criteria, and provide access to a set of primary accounts, or provide access to a set of alternative accounts, as appropriate. A system adapted to perform secure banking procedures may include an input/output module adapted to receive data from a user and provide data to the user, an authentication module adapted to determine whether authentication data matches security criteria associated with the user, and a control module adapted to control functionality of a banking terminal. | 2013-10-24 |
20130282577 | SOCIAL NETWORK TRANSACTION PROCESSING SYSTEM - A system for transferring funds using social network connections. The system sends application programming interface (API) requests to social networks to obtain “friend” information and create accounts into which funds are deposited and which may be retrieved by recipients via hyperlinks in messages provided through social networks. The system may also be used to request funds from social network friends. The system provides benefactor friends fund requests in the form of social network messages, which allow the benefactors to access the system and provide funds to a user via hyperlinks in the messages. | 2013-10-24 |
20130282578 | COMPUTER-BASED COLLECTIVE INTELLIGENCE RECOMMENDATIONS FOR TRANSACTION REVIEW - In an embodiment, a data processing method comprises obtaining a plurality of first transaction data items for a proposed online credit card purchase transaction that has been recommended for review; obtaining a plurality of second transaction data items for a set of similar past online credit card purchase transactions, wherein each member of the set has one or more transaction feature values that are similar to the transaction data items of the proposed online credit card purchase transaction, and a decision value specifying whether the member was accepted or rejected by a reviewer; obtaining a stored data model of features, feature values, transaction acceptance decisions and rejection decisions of the reviewer based at least in part on the set, determining, based on applying the first transaction data items to the stored data model and a subsequent query to the database among more recent transactions that were not included during model construction, a likelihood value of a particular decision of whether the proposed online credit card purchase transaction would be accepted or rejected by the reviewer of the merchant; causing the likelihood value to be displayed; wherein the method is performed by one or more computing devices. | 2013-10-24 |
20130282579 | METHOD AND SYSTEM FOR PROVIDING WIRELESS VULNERABILITY MANAGEMENT FOR LOCAL AREA COMPUTER NETWORKS - A Software-as-a-Service (SaaS) based method for providing wireless vulnerability management for local area computer networks. The method includes providing a security server being hosted by a service provider entity to provide analysis of data associated with wireless vulnerability management for a plurality of local area computer networks of a plurality of customer entities, respectively. The method includes creating a workspace for wireless vulnerability management for a customer entity on the security server and receiving configuration information associated with the workspace. The method also includes supplying one or more sniffers to the customer entity. The method includes receiving at the security server information associated with wireless activity monitored by the one or more sniffers at premises of the customer entity and processing the received information within the workspace for the customer entity using the security server. The method includes metering usage of the workspace for wireless vulnerability management for the customer entity. | 2013-10-24 |
20130282580 | SYSTEMS AND METHODS FOR EXTENDING IDENTITY ATTRIBUTES AND AUTHENTICATION FACTORS IN AN ePAYMENT ADDRESS REGISTRY - The present invention relates to a network of registries that are: synchronized in whole or in part to a root registry; and are compilations of registrant data from accredited Identity Providers that accept liability for registering verified and accurate identity attributes. Registries associate a unique identifier with: a financial account owner's Personally Identifying Information; one or more linked publicly discoverable ePayment addresses to an account at a Financial Institution; and a financial account owner's profile of preferences related to the capture, handling, transfer and storage of monetary and informational assets. Preferences extensions include: operating instructions and rule sets; and authentication factors that may make use of time sensitive data at one or more institutions. | 2013-10-24 |
20130282581 | MOBILE DEVICE-BASED CARDLESS FINANCIAL TRANSACTIONS - The technologies disclosed herein use mobile computing devices, such as smartphones, to facilitate purchases without the use of a credit or debit card (i.e., “cardless” purchases). A cardless purchase can be initiated by a user using their mobile device to connect with a merchant's acquiring bank (acquirer), the acquirer collecting a mobile device identifier (e.g., phone number), an issuer code, a merchant code, account security information (e.g., a card security code and an access code), and the acquirer sending a request to the user's issuing bank to authorize the purchase. The acquirer uses the information received from the mobile device to assemble an account number, typically 15 or 16 digits long, so as to leverage existing acquirer, issuer and credit card network infrastructure. Upon receiving a response from the issuer bank, the user and merchant are notified (via SMS, email or other method) whether the transaction has been authorized. | 2013-10-24 |
20130282582 | SYSTEM AND METHOD FOR DATA AND IDENTITY VERFICATION AND AUTHENTICATION - A system for verifying and authenticating the identity of a user in a transaction. The user's identity is authenticated through the user's computer, tablet computer, mobile computing device, web browser (as a web-page, or as a plug-in for the browser), or other computing device by means of a single-use, time sensitive, system-generated transaction token and user selected system PIN. The user presents the transaction token to the vendor or merchant, which forwards a request for authentication to the system. The system prompts the user to confirm the transaction and enter the PIN into the device used to generate the transaction token. Upon confirmation, the transaction is completed. | 2013-10-24 |
20130282583 | FRAUD DETECTION SYSTEM RULE PROFILE INTERACTION - Embodiments of the invention generally relate to methods and systems for generating rule profile reports, the rule profile reports comprising statistical data regarding the performance of rules. One embodiment of the invention discloses a method for generating a rule profile report. The method comprises determining, by a processor, a rule profile, wherein the rule profile comprises a plurality of rules, and wherein each rule in the plurality of rules is associated with a plurality of rule outcomes, determining for the plurality of rules a plurality of rule outcome frequencies associated with the plurality of rule outcomes, wherein each rule outcome in the plurality of rule outcomes is associated with an outcome for a transaction, and providing, by the processor, the plurality of rule outcome frequencies. | 2013-10-24 |
20130282584 | M-COMMERCE VIRTUAL CASH SYSTEM, METHOD, AND APPARATUS - A virtual cash system, method, and apparatus has an account record containing a record of money amounts associated with a wireless device and a transmitter for wirelessly transmitting to the wireless device predetermined information from the account record. Cash amounts can be spent from the account record directly from the wireless device via information derived from the wireless device via a bar code on the display, a short range radio signal, a light beam, or the like. A different security code is generated for each account transaction for verification. | 2013-10-24 |
20130282585 | PAYMENT CARD BASED REMITTANCE SYSTEM WITH DELIVERY OF ANTI-MONEY LAUNDERING INFORMATION TO RECEIVING FINANCIAL INSTITUTION - A request for a funds transfer is received by a sending financial institution (FI) located in a first country from a mobile network operator (MNO) for a recipient located in a second country. The funds transfer request includes the sender's mobile telephone number and transaction data, and the process includes translating the mobile telephone number into a sender's payment card account number, determining that the sender's payment card account can support the transfer amount, and transmitting the transaction data and the sender's payment card account number to a payment system. The sending FI receives a payment confirmation message that satisfies compliance with know your customer (KYC) information and anti-money laundering (AML) information requirements, and transmits a remittance confirmation message to the MNO. | 2013-10-24 |
20130282586 | SYSTEMS AND METHODS TO APPLY THE BENEFIT OF OFFERS VIA A TRANSACTION HANDLER - A system includes a transaction handler configured to split a transaction, initiated between an acquirer processor representing a merchant and an issuer processor representing an account holder, into separate transactions with the issuer processor and at least one sponsor processor that is configured to provide the benefit of offers to applicable transactions. A portal is configured to notify the account holder of the award/redemption of the benefit of an offer using a communication channel separate from the transaction terminal that initiates and approves the transaction between the account holder and the merchant. | 2013-10-24 |
20130282587 | SYSTEM AND METHOD TO RECORD ENCRYPTED CONTENT WITH ACCESS CONDITIONS - A secure detachable utility monitoring device is disclosed, to be appended to a utility metering apparatus for controlling at least one utility usage consumption. A detachable metering monitoring device of at least one embodiment includes: a usage reading interface to acquire a utility consumption value metered by the utility meter; a first memory to store at least a unique identifier ID and a personal key, both pertaining to the device; a crypto processor to generate a cryptogram from information data comprising at least the utility consumption value, the cryptogram being encrypted with the personal key; a message generator to generate an information message including at least the cryptogram and the unique identifier ID; and a communication network interface including a sending unit to send the information message to a remote management center. | 2013-10-24 |
20130282588 | Consumer, Merchant and Mobile Device Specific, Real-Time Dynamic Tokenization Activation within a Secure Mobile-Wallet Financial Transaction System - A secure system and method are disclosed to effectuate financial transactions over a secure internet backbone establishing and using a secure closed loop financial transactional system encompassing a proxy account and a pre-registered personal handheld mobile device to the account a preregistered merchant where all funds within the account remain in an “inactive” non-usable state until activated and allocated only by the consumer's registered mobile handheld device using a unique, time sensitive, device specific and merchant specific transactional token initially developed on the system's backend and subsequent token activation completion by the intended specific registered mobile device and by the intended merchant application. | 2013-10-24 |
20130282589 | MULTI-FACTOR MOBILE TRANSACTION AUTHENTICATION - Disclosed are authentication systems and techniques that can automatically recognize, validate, and utilize different types of information including user information, device information, and network information. Each of these types of information is processed with a unique algorithm and then is encrypted for security purposes. The processed and encrypted information are then used as components of a multi-factor authentication process. During an actual authentication transaction, these unique identifiers are used along with real-time personal identification methods including, but not limited to, biometrics and/or a personal identification number (the “PIN”), to complete the authentication process between two devices. A backend server communicates to both the devices to create a highly secure closed-loop authentication process. This authentication process can be used to interface with other processes or systems to enable customer identification, payment processing or any other business process that can benefit from a secure, positive identification authentication capability. | 2013-10-24 |
20130282590 | ELECTRONIC PAYMENTS USING VISUAL CODE - A payer can present an electronic payment to a payee using a visual code. Such a visual code may be created by generating a semi-payment that records and secures the electronic payment to be made to the payee, encrypting a semi-payment identifier with the payee's encryption key, and encoding the encrypted semi-payment identifier into a visual code. The visual code may be received by the payee or by any user authorized to accept payments on behalf of the payee, who can accept the visual code payment by capturing the visual code using a user device. The captured visual code may be decrypted using the payee's decryption key installed on the user device, so that the semi-payment identifier can be retrieved and transmitted to a payment service provider, which completes the payment by processing the semi-payment located using the semi-payment identifier. | 2013-10-24 |
20130282591 | Method And System Using Candidate Dynamic Data Elements - A method and computer readable medium for conducting a transaction, comprising receiving a verification value and a portion of a dynamic data element, determining candidate dynamic data elements using the portion of the dynamic data element, calculating candidate verification values using candidate dynamic data elements, and determining if the received verification value matches any of the candidate verification values, wherein the transaction is thereafter authenticated if a candidate verification value matches a candidate verification value. | 2013-10-24 |
20130282592 | System, Method and Computer Program Product for Registering Products and Promoting Customer Relationships - Regarding a product that is provided by a provider and received by a recipient, registration of the product and following-up with the recipient may be facilitated by way of web-based, symbology-driven product registration systems and methods. | 2013-10-24 |
20130282593 | METHOD AND SYSTEM FOR GENERATING SAFETY ALERTS - A method and system for generating alerts are provided. The system includes a data warehouse configured to receive, for a plurality of financial transactions each using a financial payment card between a merchant and a customer, unique personal account numbers associated with each financial payment card, a transaction reference identifier, and a merchant identifier. The data warehouse is further configured to retrieve historical multi-party payment card transaction information for each personal account number. The system also includes an enterprise marketing platform configured to receive customer safety alert registration information from at least one of a merchant point of sale device, a web interface, and a mobile interface, and a customer contact server configured to receive safety alert information and corresponding customer information and to contact each corresponding customer in response to a safety alert affecting the customer. | 2013-10-24 |
20130282594 | SYSTEM AND METHOD FOR PROVIDING A SOCIAL CUSTOMER CARE SYSTEM - The present invention relates to social customer service and support systems integrated with social media and social networks. More particularly, the invention provides a social customer care platform system to allow customer care functions, and in particular to allow customer service agents to identify, prioritize, match and triage customer support requests that may arise through a social network and may be serviced using a social network. It manages and tracks a high-volume of customer interactions and provides for monitoring of Internet social network posts relevant to a business's products or services along with the ability to capture, monitor, filter, make sense of and respond to, in near real-time, tens of thousands of social interactions. It comprises role specific user-interface and functionality for social customer service and support environments, automated prioritization and matching for increased agent productivity, and an automated enterprise workflow to align social media support with existing business processes. | 2013-10-24 |
20130282595 | METHOD AND APPARATUS FOR OPTIMIZING WEB AND MOBILE SELF-SERVE APPS - An embodiment of the invention takes advantage of the fact that the intuitive power of a self-serve app lies in constant learning. The app must quickly evolve to predict customer needs and provide the right content to the right customer. In an embodiment, Web and mobile self-serve apps are optimized by leveraging the chat data of drop-off customers from each screen of the app. In an embodiment, self-serve drop-off data is combined with chat data, the customer's identity data and Web log data to provide a powerful source for driving the targeting and content optimization of the app. | 2013-10-24 |
20130282596 | SYSTEMS AND METHODS FOR EVALUATING PROPERTY VALUATIONS - Systems and methods are disclosed for evaluating a property valuation. In some implementations, market information and transactional information for a group of properties is accessed. The market information can include property-specific factors, locational factors, and market sales factors. The transactional information can include exogenous factors that can influence a property evaluator. Statistical information relating to the market values of the properties and the property valuations can be calculated. An estimate of the degree of certainty for a property valuation can be determined based at least partly on the calculated statistical information. | 2013-10-24 |
20130282597 | APPARATUS AND METHOD FOR SOLID AND HAZARDOUS WASTE MANAGEMENT - A system for managing, sorting, storing and removing/disposing of solid and hazardous waste in products may include scanner logic that is operatively capable of obtaining product ID information representative of a damaged product and waste logic that is operative capable of generating waste information based on the product ID information. The scanner logic may be further operative to print a waste instruction label that instructs a user as to how to dispose of the damaged product. | 2013-10-24 |
20130282598 | PATENT ASSESSMENT SYSTEM AND METHOD - The present invention discloses a system and method for assessing a granted patent, comprising a locater for locating from a patent record database a patent history record corresponding to the granted patent, a comparator for identifying from the patent history record one or more prosecution changes occurred to an original patent application of the granted patent and an analyzer for producing a patent assessment report based on said one or more prosecution changes. Visualization tools may be provided to view the patent assessment results. | 2013-10-24 |
20130282599 | METHOD OF GENERATING PATENT EVALUATION MODEL, METHOD OF EVALUATING PATENT, METHOD OF GENERATING PATENT DISPUTE PREDICTION MODEL, METHOD OF GENERATING PATENT DISPUTE PREDICTION INFORMATION, AND METHOD AND SYSTEM FOR GENERATING PATENT RISK HEDGING INFORMATION - The present invention relates to a method of generating a patent evaluation model, a method of evaluating a patent, a method of generating a patent dispute prediction model, a method of generating patent dispute prediction information, a method of generating patent licensing prediction information, a method of generating patent risk hedging information, a system for carrying out the methods, a recording medium for storing a program in which the methods are recorded, and a program in which the methods are recorded. According to the present invention, a patent evaluation model which is systemically reliable and highly valid can be generated, and patent evaluation information which is systemically reliable and highly valid can be generated. Furthermore, a patent dispute prediction model, patent dispute prediction information, patent licensing prediction information, and patent risk hedging information, which are systemically reliable and highly valid, can be generated. | 2013-10-24 |
20130282600 | Pattern Based Audit Issue Reporting - A computer system receives an audit report from an audit proceeding. Predefined patterns are recognized in the audit report. One or more audit issues may be associated with each recognized pattern. Suitable remedial action may be generated for each identified audit issue, and dispatched to one or more actors who are then responsible for attending to the remedial action. | 2013-10-24 |
20130282601 | COUNTERFEIT PRODUCTS DETECTION METHODS AND SYSTEM - A counterfeit product detection method and system for detecting whether a product is genuine or counterfeit. The method allows a consumer to check whether a product is authentic or counterfeit by way of using a sequential serial number assigned to the particular product by the manufacturer of the product. Alternatively, the authenticity of the product can be verified at the point of purchase at the retailer or over the telephone by way of the sequential serial number. The method provides a way for a manufacturer's recall to reach the consumers who purchase the product. There is also a RFID tag product verification method and system provided that allows consumers to verify the authenticity of a product based on the RFID tag that is adhered to the product and/or part of the product packaging. A two dimensional barcode verification product verification method and system is also provided. | 2013-10-24 |
20130282602 | TaxiZag - TaxiZag is a real-time software system that is implemented on the platform of cloud computing and smart phones. The system can be used by both taxi customers and taxi drivers for intelligently finding a taxi and a customer, respectively. The system is designed to achieve the most efficient and direct communication between a taxi customer and a taxi driver. The users of TaxiZag, in an automated fashion, feed data into and fetch data from the backend cloud computing platform to assist yourself and others. Additionally, users are allowed to check traffic conditions ahead based on the data provided by other application users. | 2013-10-24 |
20130282603 | SYSTEM AND METHOD FOR PROVIDING A SOCIAL CUSTOMER CARE SYSTEM - The present invention relates to customer relationship management systems integrated with social media and social networks. More particularly, the invention provides a social customer care platform system to allow customer care functions, and in particular to allow customer service agents to identify, prioritize, match and triage customer support requests that may arise through a social network and may be serviced using a social network. It manages and tracks a high-volume of customer interactions and provides for monitoring of Internet social network posts relevant to a business's products or services along with the ability to capture, monitor, filter, make sense of and respond to, in real-time, tens of thousands of social interactions. It comprises role specific user-interface and functionality to match customer service environments, automated prioritization and matching for increased agent productivity, and an automated enterprise workflow to align social media support with existing business processes. | 2013-10-24 |
20130282604 | Adaptive collaboration platform and method for enabling forward and backward linkages between business entities - A method for suggesting to a first business entity to connect with a second business entity on a network of business entities. The method includes (i) obtaining a first industry type of the first business entity from a profile information of the first business entity, (ii) automatically identifying a second industry type based on (a) the first industry type, and (b) a predefined industry linkage, (iii) automatically identifying the second business entity associated with the second industry type, and (iv) displaying a suggestion to the first business entity to connect with the second business entity. | 2013-10-24 |
20130282605 | System and Method for User Profile Creation and Access Control - The present disclosure relates to a system and method for creating and sharing user profiles. In an illustrative embodiment, the system includes a computer network with one or more networked computer devices having a processor and a memory, and the system is adapted to: create a user profile module for creating a user-owned user profile including sensitive information; receive a plurality of privacy settings to control access to the user-owned user profile; match the user-owned user profile with one or more interested parties based on a commonality of interest; and in dependence upon the plurality of privacy settings received, and confirmation of permission to access, provide access to the user-owned user profile to the one or more interested parties. The user profiles are entirely user-owned and the owner of a user profile has full control over access to the user profile by one or more third parties based on a plurality of privacy settings. | 2013-10-24 |
20130282606 | INTERNET BASED RESOURCE ACCEPTANCE, ALLOCATION AND REJECTION SYSTEM - An online resource management system, that comprises a first service seeking node, a second service seeking node, a server that generates a unique identification number for the first service seeking node, enables the first service seeking node to create multiple profiles using the associated unique identification number and enables the second service seeking node to fetch limited information regarding the profiles of the first service seeking nodes. The server is also configured to store, update and modify information regarding plurality of the candidate nodes and plurality of the recruiter nodes in the resource management system. | 2013-10-24 |
20130282607 | System and Method for Authorization and Disclosure for Background Information Searches - A system and automated method for verification of employment history regarding a job applicant, the method including receiving information identifying an applicant, receiving employment history information for the job applicant, receiving information identifying an identified verification contact for verification of the employment history information, automatically providing the identified verification contact with a question pertaining to employment history information, receiving an answer from the identified verification contact, storing the answer. | 2013-10-24 |
20130282608 | Engine, System and Method of Providing a Multi-Platform Payment and Information Exchange - System and method for managing insureds' benefits information, comprising a “benefits vault” database that stores data of insured parties, their respective benefit choices, financial contributions to the vault, and restrictions on the use of the contributions, a rules engine that associates the benefit choices with the respective insureds in accordance with predetermined criteria, a remote benefits engine that accesses remote third party resources to implement the benefit choices, and a reporting engine that provides confirmation of the implementation. | 2013-10-24 |
20130282609 | IMAGE RECOGNITION FOR PERSONAL PROTECTIVE EQUIPMENT COMPLIANCE ENFORCEMENT IN WORK AREAS - A method comprises receiving one or more images of a person from one or more image capture devices in response to an input, identifying one or more items of personal protective equipment in the one or more images, determining the positioning of the one or more items of personal protective equipment relative to the person in the one or more images, and verifying compliance with personal protective equipment standards based on the one or more identified items of personal protective equipment and the positioning of the one or more items of personal protective equipment. | 2013-10-24 |
20130282610 | Facilitating Interactions Between Non-Profits, Businesses and Consumers - Technology is disclosed for matching funding needs of an entity in need of a donation. The technology can receive information about a potential donor's desired donating requirements; store the captured information in a database; receive information about a nonprofit entity; receive from the nonprofit entity a request for a donation; automatically generate a list of matching potential donors, the list including the potential donor from which information was received, the list generated by matching the received information about the potential donor with the received information about the nonprofit entity; and enable a user of a Web site to accept or decline a donated item. | 2013-10-24 |
20130282611 | SYSTEM AND METHODS FOR PROVIDING USER GENERATED VIDEO REVIEWS - A system and method that obtains and publishes user generated video product reviews by generating a user account and receiving a user generated video review associated with the user account, where the user generated video review comprises audio and video data featuring a reviewed product. A product tag associated with the reviewed product is received. A product description is associated to the reviewed product based on the product tag. The user generated video review is approved if a set of criteria are met. An incentive is distributed to the user account associated with the user generated video review. The user generated video review is stored to a database comprising a plurality of user generated video reviews. The user generated video review is published. | 2013-10-24 |
20130282612 | RETURN ON PARTNERSHIP INVESTMENT CALCULATOR - Systems and methods for calculating a return on partnership investment are presented. An example system includes a first module to receive a reseller input representative of a cost related to a reseller selling a product of a selling partner and a cost assumption input representative of a cost related to buying the product from the selling partner, and generate a reseller output as a function of the reseller input, the reseller output related to a cost of the reseller. The system may further include a report module to receive the reseller output and the cost assumption input and to generate a report output as a function of the reseller output and cost assumption input, the report output comprising a return on partnership investment. | 2013-10-24 |
20130282613 | Computerized Method And System For Financing By EB-5 Investor Visa Regional Center - A computer-implemented financed commercial economic system and method for EB-5 immigrant investor visa programs through a regional center directed to promotion of economic growth, improved economic regional productivity, job creation and increased capital investment, in which EB-5 investors by a capital investment for economic commercialization of projects and an electronic database accessible through a communications network to maintain regional center and EB-5 investor information, with an escrow account of funds from sales of products produced in by the projects, and returning of capital investments to the EB-5 investors after a pre-determined period of time with the proceeds of the escrow account. | 2013-10-24 |
20130282614 | Method and Apparatus of Determining Funded Status Volatility - A volatility level associated with the funding level of a fund may be assessed with a memory and a processor. The processor is configured to store a plurality of data structures in memory. The data structures comprises a plurality of data items associated together as volatility measures, correlation measures that corresponds to correlation of the asset returns within the fund, duration measures that are related to the volatility measures, and holdings in the fund. The processor determines an asset class volatility measure based in part upon the volatility measures, the correlation measures, the duration measures, and the holding in the fund. The processor also determines a liability measure associated with the fund, a holding volatility measure based upon the asset class volatility measure and the percentage weight of the holding in the fund. The processor calculates a funded status volatility by comparing the holding volatility measure to the liability measure. | 2013-10-24 |
20130282615 | FAIR VALUE MODEL BASED SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR VALUING FOREIGN-BASED SECURITIES IN A MUTUAL FUND - A system for determining fair value prices of financial securities of international markets includes selecting a universe of securities of a particular international market, computing overnight returns of each security in the selected universe over a predetermined past period of time, selecting at least one return factor of a domestic financial market from a plurality of return factors, computing, for each selected return factor, the return factor's daily return over said predetermined past period of time, calculating, for each selected return factor, a return factor coefficient for each security in the selected universe by performing a time series regression to obtain the contribution of each return factor's return to the security's overnight return, and producing each calculated return factor coefficient in a data stream. | 2013-10-24 |
20130282616 | Auction Profile Method and System - In one embodiment, the present invention determines and graphically presents balance areas on a price chart for a tradable financial instrument such as a stock, bond, currency, future, etc. By highlighting such areas, the end user may more easily identify possible areas to initiate trades with good trade location according to the present invention. One method according to the present invention provides for receiving input from a user establishing parameters for determining at least one of: a value area, a market condition, and an expiring profile unit; receiving input from a market data component associated with at least one tradable financial instrument; providing a graphical user interface display in the form of a price chart; determining whether one or more profile units are to be displayed as part of the displayed price chart; and based upon the input from the market data component, re-assessing the determination of at least one profile unit to be displayed. | 2013-10-24 |