45th week of 2014 patent applcation highlights part 50 |
Patent application number | Title | Published |
20140330640 | CONVERSION TRACKING FOR INSTALLATION OF APPLICATIONS ON MOBILE DEVICES - An application executing on a mobile device, such as an application associated with a social networking system provides a link to install a third-party application. The link may be presented in an advertisement, and the link is used to retrieve data comprising a client application for execution by the mobile device. To track installations, the client application stores an indication that the client application was installed in a shared memory location on the mobile device, as native applications do not have access to cookies. A social networking application executing on the mobile device retrieves the indication the client application was installed from the shared memory location and communicates it to a social networking system for storing in a user profile. | 2014-11-06 |
20140330641 | System and Method for Verifying Completion of an Activity - A system and method for verifying completion of an activity are provided. The system comprises a scanner operable to obtain token data obtainable based on completion of an activity; and a server operable to obtain the token data from the scanner to verify completion of the activity. The method comprises obtaining token data from completion of an activity and providing the token data to a server to verify completion of the activity. | 2014-11-06 |
20140330642 | SYSTEM AND METHOD FOR END USER ACTIVATED CONTEXTUAL MOBILE ADVERTISING AND OPPORTUNITY MATCHING PLATFORM - A system and method are disclosed for the creation of a contextual mobile advertising and opportunity matching platform (CMAP) that provides contextually relevant advertising, lead generation, feedback, quotation or offers for goods and/or services, collaboration, or other contextually relevant interaction between parties to opportunity receivers based upon data generator sourced or generated values, inferences or data. The system analyzes and processes data obtained from and/or about a data generator, and uses this data to either directly determine and deliver a contextual opportunity to the opportunity receiver or match to a list of associated third party opportunity publishers who may be able to provide a relevant contextual opportunity to the opportunity receiver. | 2014-11-06 |
20140330643 | Automatically Determining Relationships between Mobile Devices - Relationships between a plurality of mobile devices are automatically determined. For each mobile device in the plurality of mobile devices, characteristics of a user of the mobile device are determined. Based on the characteristics of the users of the mobile devices, a first role of a first user of a first mobile device is determined. Based on the characteristics of the users of the mobile devices, a second role of a second user of a second mobile device is determined. Based on the first role and the second role, a relationship between the first user and the second user is determined. A determination is made that a relationship between the first mobile device and the second mobile device is equal to the relationship between the first user and the second user. | 2014-11-06 |
20140330644 | PROMOTION IDENTIFICATION AND PRESENTATION FOR PRIOR TRANSACTIONS - Embodiments of the invention are directed to a system, method, or computer program product for providing post-transaction receipt collection and product promotion monitoring. As such, receipts associated with a user transaction may be collected and the products from those receipts may be determined. Subsequently, the invention may monitor promotions from merchants that are associated with the products of the transaction. In this way, the invention monitors for promotions, such as coupons or discounts, associated with products of a past transaction. If a match between a promotion and a product is made, the system may compare the match to pre-established rules. If the pre-established rules are not triggered, the invention may provide the user with a notification that an eligible promotion exists for a product that he/she has previously purchased. In this way, the user may be able utilize the current promotion for a previously purchased product. | 2014-11-06 |
20140330645 | UNIVERSAL CONSUMER-DRIVEN CENTRALIZED MARKETING SYSTEM - A scalable adaptable consumer-driven centralized marketing system and methodology receives consumer directives, marketing directives and marketing objects from users. Each marketing object is associated with a marketing directive. A consumer directive provides consumer-related information, which may include a subject matter of interest. A marketing directive provides marketing subject matter, which may relate to goods or services offered. The system queries a database for consumer directives with subject matters of interest that match the marketing subject matter. The system makes a copy of the marketing object accessible to users associated with matching consumer directives. | 2014-11-06 |
20140330646 | SYSTEM AND METHOD FOR ACTIVATION OF MARKETING ALLOCATIONS USING SEARCH KEYWORDS - A system and method for automatically assigning marketing allocations, including advertisements and coupons, for a business to marketing channels. An investment engine and recommendation engine uses input data to assign marketing allocations to marketing channels. Consumer activity is generated that produces corresponding output data. The investment engine calculates a return-on-investment (ROI) metric, and the recommendation engine generates a report related to the input and output data. The input data, marketing allocations or channels are adjusted to optimize the ROI metric and recommend marketing campaign strategies. The system also automatically determines which keywords the business should assign their marketing allocations to when a consumer utilizes similar keywords on a search engine. Targeted keywords are determined by applying budget weights to keywords related to the business and monitoring output data, such as a click through rate of the marketing allocations. Keywords with higher click through rates receive higher budget weights. | 2014-11-06 |
20140330647 | APPLICATION AND SERVICE SELECTION FOR OPTIMIZED PROMOTION - Embodiments of the invention relate to application and services promotions. One embodiment includes presenting an application or service by an application or service promotion provider, for exposing, the application or service to potential users. Recommendation and promotion preferences are selected for the application or service. The application or service is provided to an electronic device based on the recommendation and promotion preferences. It is determined whether user action occurs for the application or service using the electronic device. Revenue is generated upon user action occurring for the application or service. | 2014-11-06 |
20140330648 | STORED VALUE CARD DISPLAY ADVERTISING SYSTEM AND METHOD - A retail display advertising system includes a central management computing device in communication with a retailer computing device. The central management computing device selectively downloads advertising content associated with one or more stored value cards to a retailer computing device, and selectively download a specified schedule to each of the retailer computing devices. The retailer computing device, which is configured in a retail display structure that displays the stored value cards, manages output of each instance of advertising content according to the specified schedule. | 2014-11-06 |
20140330649 | Displaying Targeted Advertisements to Users - A targeted advertisement is retrieved for a first user, and a targeted advertisement is retrieved for a second user. The targeted advertisements are switched such that the targeted advertisement intended for the first user plays on a display of an electronic device of the second user, and the targeted advertisement intended for the second user plays on a display of an electronic device of the first user while the first and second users communicate. | 2014-11-06 |
20140330650 | SETTING COMPUTING DEVICE FUNCTIONALITY BASED ON TOUCH-EVENT PROPERTIES - In one example, a computer-implemented method can include the step of receiving a finger-contact patch attribute from a user of a touch screen system. A user's age group can be determined according to a finger-contact patch attribute. The user's age group can be provided to a server. A pixel width of the finger-contact patch of less than thirty pixels can be measured. A historical mean finger-contact patch area of a historical user of the touch screen system can be calculated. The finger-contact patch attribute from the user can be determined to be substantially less than the historical mean finger-contact patch area of the historical user. An advertisement to display on a computing device of the touch-screen system can be received. An appropriate age group appropriate of the advertisement can be determined. The advertisement can be filtered when a current user is in the child-age group and the appropriate age group appropriate of the advertisement is an adult age group. | 2014-11-06 |
20140330651 | SYSTEM AND METHOD FOR SOCIAL MEDIA-AWARE ADVERTISEMENT BROKERING - An advertisement brokering system for social media-aware advertisement brokering is provided. The advertisement brokering system includes a processor and a memory, wherein the memory comprises a rules database and plurality of modules. The memory further comprises a data mining module for mining data from predetermined resources based upon predefined characteristics and behavioral traits of users. The memory further comprises an analysis module for identifying users based on match of the mined data with the predefined characteristics and/or behavioral traits. The memory further comprises a brokering module for offering advertising services to the identified users. The memory further comprises a feedback module for notifying an advertiser corresponding to change in behavioral activities of the identified users after offering advertising services. The memory further comprises a calibration module for calibrating advertising services based on change noticed in behavioral activities of the identified users. | 2014-11-06 |
20140330652 | ONLINE ADVERTISING MODEL - An advertising system and method is used to advertise services to users of a network depending on identified circumstances of the user. The advertising may be interactive, intervening, passive or requested by the user. The users are part of a network and the advertising system tailors the advertisements towards the needs of a user based on the user's information such as location, future location, career, future career, education or future education. | 2014-11-06 |
20140330653 | Information Recommendation Method and Apparatus - An information recommendation method and apparatus are provided. The method includes: acquiring, by using an open interface of a first network platform, relational data information of a user associated with a user of a second network platform; dividing, according to the relational data information of the user, each friendship circle obtained by dividing according to a preset division policy, so as to divide one friendship circle into a plurality of different social circles; and recommending, by using a preset recommendation policy, information in each of the social circles according to an acquired behavior record of each user on the second network platform. The embodiments of the present invention further provide an information recommendation apparatus. In the embodiments, information can be recommended by using an interface and user data that are open on a social website to increase accuracy of information recommendation. | 2014-11-06 |
20140330654 | PAYMENT OF RESTAURANT BILLS - A method includes identifying a restaurant where a user of a mobile device is located; receiving, from the restaurant, data indicative of one or more items on a bill associated with the user; providing the data to the mobile device; and enabling the user to pay for one or more of the items on the bill using the mobile device. | 2014-11-06 |
20140330655 | ADJUSTMENT OF A SECURITY LEVEL OF A TRANSACTION SYSTEM BASED ON A BIOMETRIC CHARACTERISTIC OF A CUSTOMER - Methods and systems for adjusting a security level of a transaction system based on biometric characteristics of a customer are disclosed. According to an aspect, a method includes interacting with a customer at a transaction terminal. The method also includes determining a biometric characteristic of the customer based on the interaction with the customer. Further, the method may include adjusting a security level of a transaction system based on the biometric characteristic. | 2014-11-06 |
20140330656 | MOBILE AND WEARABLE DEVICE PAYMENTS VIA FREE CROSS-PLATFORM MESSAGING SERVICE, FREE VOICE OVER INTERNET PROTOCOL COMMUNICATION, FREE OVER-THE-TOP CONTENT COMMUNICATION, AND UNIVERSAL DIGITAL MOBILE AND WEARABLE DEVICE CURRENCY FACES - Provided are computer implemented methods and systems for facilitating mobile and wearable device payments and multimedia transfer. The method commences with receiving a multimedia transfer request from a mobile and wearable device associated with a sender. The method further comprises receiving a recipient identifier. The recipient identifier is associated with a mobile and wearable device associated with a recipient. The method continues with transferring the multimedia content to the recipient. The transfer is based on the recipient identifier. The method further comprises receiving a transaction request from the sender. The transaction request includes one or more of a currency amount, the recipient identifier, and payment data associated with the sender. The method further comprises encrypting transaction data. The transaction data includes one or more of the currency amount and the payment data associated with the sender. The method continues with performing a transaction based on the transaction request. | 2014-11-06 |
20140330657 | Semi-Tractor Trailer for Distribution of Natural Gas and System and Method for Use of Same - A semi-tractor trailer for distribution of natural gas and a system and method for use of the same are disclosed. In one embodiment, a semi-tractor trailer supported fuel receptacle has a plurality of metered fuel dispensers along the sides thereof to permit customers to park along side the semi-tractor trailer and fuel their vehicles with clean natural gas, which may be compressed natural gas or liquid natural gas, for example. The semi-tractor trailer is filled at a central filling location and transported by a tractor to a convenient retail location. A volume monitor monitors the volume of clean natural gas in the semi-tractor trailer and transmits this information to the central filling location, which may dispense a replacement semi-tractor trailer upon the volume of clean natural gas reaching a pre-determined threshold and retrieve the spent semi-tractor trailer in one trip. | 2014-11-06 |
20140330658 | Point of Sale Tax Reporting and Automatic Collection System With Tax Register - A point of sale tax reporting system including a smart tax register located at a retailer location. The retailer smart register processes consumer transactions and calculates the amount of sales tax due the retailer by the consumer for each transaction. After the sales tax is paid to the retailer by the consumer, the register either immediately or periodically forwards the amount of the transaction and the amount of sales tax collected by the retailer to a computer and memory located at a remote location, such as a state government taxing authority. | 2014-11-06 |
20140330659 | USING VOICE INPUT AT A MOBILE POINT OF SALE - A method, system, and computer-readable storage medium for using voice input at a mobile point-of-sale (POS) are disclosed. For example, one method involves receiving a voice input, where the receiving is performed by a mobile POS (MPOS) device. The method also involves determining, based on the voice input, whether to use voice-based processing. In response to a determination to use the voice-based processing, performing voice-based processing, including selecting a first workflow based on the voice input, and performing a first portion of the first workflow based on the voice input. The first portion of the first workflow is performed by the MPOS device. The method also includes determining whether to perform a second portion of the first workflow based on another voice input. | 2014-11-06 |
20140330660 | STORED VALUE CARD KIOSK SYSTEM AND METHOD - A stored value card activation system includes a server in communication with one or more computing devices configured in kiosks. The server receives stored value card type information associated with one of multiple non-activated stored value cards from the computing device. The server also receives monetary amount information to be associated with the selected stored value card from the kiosk, and payment information from a user of the kiosk. From this information, the server conducts a financial transaction with a financial account server associated with an account of the user, and activates the selected stored value card in accordance with the financial transaction. | 2014-11-06 |
20140330661 | Systems and Methods for Facilitating a Transaction by Matching Seller Information and Buyer Information - Systems and methods are provided to facilitate a transaction between a seller and a buyer. According to one embodiment, seller offer information is received at a controller. The seller offer information is associated with an item, such as a secondary market item, being offered for sale by a seller. Buyer offer information, associated with a buyer offering to make a purchase, is also received. An evaluation rule is determined, and the seller offer information and the buyer offer information are matched based on the evaluation rule. It is then arranged for the seller to sell the item to the buyer. | 2014-11-06 |
20140330662 | Polling Method for Auction, Raffle, or Lotto in a Social Network System - A pooling method includes steps of providing each user of the social network system with bidding money, providing with bidding tickets; forming a bidding team of a maximum number of members among the plurality of users, and each member's entering the auction room by satisfying the auction-room-entrance condition and participating the bidding session as the bidding team by satisfying the auction-entrance condition. If any one or more members of the bidding team win the auction satisfying a predetermined winning condition, all the members of the bidding team are awarded with the target item and their BM, the BT, the BM+BT, or their combinations are nullified, which are used in the bidding session. If losing the auction, their BM, the BT, the BM+BT or their combinations of each member of the bidding team are nullified or refunded partially or entirely. | 2014-11-06 |
20140330663 | REVERSE AUCTIONS FOR CONSUMER PRODUCTS AND SERVICES - The present invention concerns computer-based methods and systems for performing buyer-initiated reverse auctions to purchase consumer products and services. The invention allows a prospective buyer who commits to purchase a particular consumer good or service for not more than a buyer-specified price to initiate a reverse auction online amongst accredited vendors of the consumer product or service in order to purchase the product or service on terms at least as favorable as initially specified by the buyer. In a preferred embodiment, a computer system according to the invention includes a network computer that receives particular product/service descriptions and buyer-specified price ceilings from financially committed buyers. The system then initiates a reverse auction amongst accredited potential vendors who bid against one another in an effort to secure the sale. Upon the auction's closing, the accredited vendor that offered the most favorable terms to the buyer is awarded the sale. The vendor is then paid and the product or service delivered or provided to the buyer. The present invention will revolutionize commerce by empowering buyers to purchase products and services at or below prices they determine. | 2014-11-06 |
20140330664 | SYSTEM AND METHOD FOR CONDUCTING AN ELECTRONIC LAND AUCTION - Some embodiments of the present disclosure relate to a method of conducting an electronic auction. The method may include: identifying a plurality of land listings that each correspond to a parcel of land that is available for auction; identifying the parcel of land of one land listing of the plurality of land listings; providing an electronic auction for the identified parcel of land; determining, using one or more of the plurality of land listings, an additional parcel of land that is available for auction, the additional parcel of land being spatially proximate to the identified parcel of land; and providing a user interface for displaying the identified parcel of land, displaying a physical position of the identified parcel of land relative to the additional parcel of land, and receiving bid inputs for the electronic auction. | 2014-11-06 |
20140330665 | SYSTEM AND METHOD FOR NEGOTIATING IMPROVED TERMS FOR PRODUCTS AND SERVICES BEING PURCHASED THROUGH THE INTERNET - A method and system for negotiating improved terms for a product being purchased over the Internet. Once a purchaser has made a decision to buy a specific product over the Internet, the purchaser may use the services of a personal negotiating broker-agent program to beat the best available purchase transaction within a specifiable time window. The personal broker-agent program may detect an issuance of a commitment to purchase over the Internet by a purchaser. The personal broker-agent program may then make an offer to the purchaser the option of waiting a predetermined amount of time while the broker agent searches for improved items. On acceptance of the option by the purchaser, the personal broker-agent program may conduct an auction and/or search the Internet for a better deal and may evaluate the auction and/or search responses to determine the best deal. The personal broker-agent program may then execute the best deal. If the purchaser elects not to accept the option from the personal broker-agent program, then the purchaser may execute the commitment to purchase transaction without delay. | 2014-11-06 |
20140330666 | METHODS AND APPARATUS FOR PROVIDING AN ELECTRONIC COMMERCE PLATFORM - A method performed on a computer server system hosting an electronic commerce platform is provided for incentivizing provision of sales assistance services by customer service representatives to sellers of products or services on the platform, without inflating product or service pricing with commission fees or artificially lowering product pricing. Thereby a number of sellers participating on the platform may be increased. A registration is received from a seller for access to the platform. The seller is charged a periodic fee for access to features of the platform additional to sale listings. A listing of a product or service for sale by the seller is received on the platform. The registration from the seller is associated with a customer service representative indicated as providing assistance services to the seller in listing the product or service for sale on the platform. A transaction for a purchase of the product or service is processed. All funds received from the purchase of the product or service are remitted to the seller. The representative is then compensated for the assistance services on a recurring basis with a portion of the periodic fee rather than a transaction fee on the funds received from the purchase. | 2014-11-06 |
20140330667 | AUCTIONING SYSTEM AND METHODS INTERACTING WITH MULTIPLE DEVICES - An auctioning system and methods interacting with multiple devices are set forth that includes a main server, remote terminals, and remote individual communication devices that communicate with one another and are adapted to display information to a user about a product or service for sale, and information pertaining to predefined auction parameters for the user to attempt to purchase said product or service. | 2014-11-06 |
20140330668 | AUCTIONING SYSTEM AND METHODS INTERACTING WITH MULTIPLE DEVICES - An auctioning system and methods interacting with multiple devices are set forth that includes a main server, remote terminals, and remote individual communication devices that communicate with one another and are adapted to display information to a user about a product or service for sale, and information pertaining to predefined auction parameters for the user to attempt to purchase said product or service. | 2014-11-06 |
20140330669 | LEVERAGING READER PERFORMANCE TO PROVIDE A PUBLICATION RECOMMENDATION - A user associated with an educational institution is identified. The institution can include a curriculum. The user can be associated with a profile. The profile can include characteristics associated with the user. The characteristics can include a skill associated with the curriculum and a performance indicator associated with the skill. The skill can be a learned capacity to carry out a pre-determined result. The characteristics can be analyzed to determine a proficiency or a deficiency in the skill. The analyzing can evaluate the performance metric. An enhancement data associated with a publication within a publication repository can be determined. The enhancement data can include target skill and a target characteristic. The publication repository can be an electronic catalog and/or a physical library. The publication can be a physical media and an electronic media. | 2014-11-06 |
20140330670 | ENHANCING REVENUE OF A RETAILER BY MAKING A RECOMMENDATION TO A CUSTOMER - A retailer's revenue may be enhanced by recommending items in context of a specific collection built for a customer's specific preferences. Customer input that pertains to their previously purchased items and future preferences is received. The input that pertains to the customer is analyzed. A recommendation for the customer is dynamically generated that includes a collection of coordinated items that provides a personalized ensemble based on the input. | 2014-11-06 |
20140330671 | METHOD FOR MANAGEMENT OF ONLINE ORDERING - A system and method for automatically submitting an online order from a customer to a restaurant. Input data and customer data is used by an order engine to select a deployment platform, such as social media networks, search engines, mobile applications, and related websites, for a user interface. The user interface automatically populates the restaurant's menu options and business data, allowing the customer to build an order. The order engine submits the order to the restaurant via a non-verbal communication platform. An automated confirmation call is generated to the restaurant confirming receipt of the order. From the confirmation call the restaurant may choose to repeat the message, accept the order, connect to the customer, connect to the service provider, decline the order, or opt-out. The order engine allows the restaurant to monitor online orders and to enroll in the above services for subsequent online orders. | 2014-11-06 |
20140330672 | SYSTEM FOR MANAGEMENT OF ONLINE ORDERING - A system and method for automatically submitting an online order from a customer to a restaurant. Input data and customer data is used by an order engine to select a deployment platform, such as social media networks, search engines, mobile applications, and related websites, for a user interface. The user interface automatically populates the restaurant's menu options and business data, allowing the customer to build an order. The order engine submits the order to the restaurant via a non-verbal communication platform. An automated confirmation call is generated to the restaurant confirming receipt of the order. From the confirmation call the restaurant may choose to repeat the message, accept the order, connect to the customer, connect to the service provider, decline the order, or opt-out. The order engine allows the restaurant to monitor online orders and to enroll in the above services for subsequent online orders. | 2014-11-06 |
20140330673 | Remote Authentication of Replaceable Fuel Cartridge - A device is disclosed, having a programmable processor programmed to cause a fuel cell authentication device to obtain a first unique identifier element (UIE) associated with a first hydrogen fuel cartridge and host information associated with a host device configured to use fuel from the first fuel cartridge. Said device may determine that the first fuel cartridge is authorized for use with the host device, based on data exchanged via a data communication network with a remote cartridge tracking system, the first UIE, and the host information. Yet further, the authentication device transmits authorization data to the host device indicating that the host device is permitted to use fuel from the first fuel cell cartridge. | 2014-11-06 |
20140330674 | Certified offer service for domain names - A method for purchasing a domain name registration. A user conducts a search to determine if a domain name is available. If it is already registered, the user can make an anonymous offer through a third party to the present registrant to purchase the domain name registration. The offer is certified by the third party by verifying that a financial instrument provided by the user has available funds that are at least sufficient to pay the offer amount for the domain name. | 2014-11-06 |
20140330675 | ALIAS IDENTITY AND REPUTATION VALIDATION ENGINE - Methods and system for determining reputation information are provided. The method includes analyzing transactional and non-transactional information for an alias associated with an entity and determining reputation information for that alias. The reputation information is transferrable across multiple domains. A user can request the reputation information about an entity prior to doing business with that entity. The reputation information is generated for merchants as well as users. The system can generate transaction risk score for every transaction to be conducted between two or more aliases. The system includes an alias identity and reputation validation server computer that receives inputs from various external systems and generated reputation information based on the inputs. Additionally, every individual user/merchant can manage his profile within the reputation database and enter some information manually. | 2014-11-06 |
20140330676 | System And Method For Preserving Land Through An Independent Trust Organization - The present invention discloses a method for preserving any natural land through an independent trust organization. The organization must buy natural land in a plurality of countries all around the world land through a company. The trust organization shall then divides the land in smaller tiles and sells to clients the right to use the land without transferring the actual property title. The clients then become the beneficiaries of the trust organization. The organization keeps control over the ownership of the parcel of land in order to avoid inappropriate or undesired uses of the land, such as cutting the trees, harvesting the land or any type of human exploitation. The method shall be realized by a web-based system allowing the clients to buy titles from the owned land through a web-browser. The client, or user of the system, may envision the parcel of land through online maps and may buy merchandize related to the owned tiles of land. | 2014-11-06 |
20140330677 | Object Information Derived From Object Images - Search terms are derived automatically from images captured by a camera equipped cell phone, PDA, or other image capturing device, submitted to a search engine to obtain information of interest, and at least a portion of the resulting information is transmitted back locally to, or nearby, the device that captured the image. | 2014-11-06 |
20140330678 | SYSTEM AND METHOD TO GENERATE A SHOPPING CART LIST - A method includes receiving user input at a computing device. The user input indicates a selection of an image at a purchasable item displayed via a first display element of a plurality display elements of a representation sent to a display device associated with the computing device. The first display element is associated with a first vendor. The method includes retrieving information that identifies the purchasable item via the computing device. The method includes querying, via the computing device, a plurality of devices associated with vendors to identify other vendors in addition to the first vendor that sell the purchasable item based on the information. The method also includes identifying, via the computing device, a second vendor of the other vendors that satisfies a condition. | 2014-11-06 |
20140330679 | METHODS DEVICES AND SYSTEMS FOR PURCHASING A PRODUCT - The present invention includes systems and methods for purchasing a product. A consumer may purchase a token at a first location. The token may share a similar design with a product located in a second location. After purchasing the token, consumer data including a delivery address may be transmitted from a data repository accessible at the first location to a data repository accessible at the second location. Consumer data including a delivery address accessed at the second location may be used to prepare a delivery of the product to the delivery address. The token may be presented and/or validated at the time of product delivery. The product may have logistic and/or legal restrictions preventing a purchase of the product at the first location. | 2014-11-06 |
20140330680 | E-COMMERCE SYSTEM THAT ALLOWS FOR SELLER RESTRICTIONS BASED ON SOCIAL MEDIA ACCOUNT CHARACTERISTICS - A computer receives a first restriction on the sale of an item from a seller, wherein the first restriction is based on at least one social media account characteristic. The computer receives an offer for purchase of the item from a buyer, wherein the offer includes characteristics of a social media account of the buyer. The computer determines whether the characteristics of the social media account of the buyer satisfies the first restriction on the sale of the item. Based on the determination of whether the characteristics of the social media account of the buyer satisfies the first restriction on the sale of the item, the computer determines whether to transmit the offer for purchase of the item to the seller. | 2014-11-06 |
20140330681 | SYSTEM AND METHOD FOR ENABLING ONLINE ORDERING USING UNIQUE IDENTIFIERS - A system and method for automatically submitting an online order from a customer to a restaurant. Input data and customer data is used by an order engine to select a deployment platform, such as social media networks, search engines, mobile applications, and related websites, for a user interface. The order engine provides a unique identifier for each restaurant. The unique identifier can be used by third parties, such as online content providers, to return the menu for the restaurant included in the third party content. The user interface automatically populates the restaurant's menu options and business data, allowing the customer to build an order. The order engine submits the order to the restaurant via a non-verbal communication platform. | 2014-11-06 |
20140330682 | Vending Machine for Selling Mobile Phone Accessories - The invention relates to a method of dispensing a number of mobile phone accessory products from a vending machine by use of a uniform, standardized package. The vending machine may have a number of shelves and a number of individual column on each shelf. The user selects a product to be purchased by shelf and column, and the vending machine delivers the selected product by a mechanical operation to a receptacle where the user obtains the purchased product. The vending machine keeps track of inventory as well as purchasing remotely. Also, the vending machine is capable of referral to a website where the user obtains additional information on which phone the user has so the proper selection can be made. | 2014-11-06 |
20140330683 | Method of Selling Mobile Phone Accessories in a Vending Machine - The invention relates to a method of dispensing a number of mobile phone accessory products from a vending machine by use of a uniform, standardized package. The vending machine may have a number of shelves and a number of individual column on each shelf. The user selects a product to be purchased by shelf and column, and the vending machine delivers the selected product by a mechanical operation to a receptacle where the user obtains the purchased product. The vending machine keeps track of inventory as well as purchasing remotely. Also, the vending machine is capable of referral to a website where the user obtains additional information on which phone the user has so the proper selection can be made. | 2014-11-06 |
20140330684 | ELECTRONIC DEVICE, INFORMATION PROCESSING METHOD AND PROGRAM - An electronic device that is convenient to use is provided. The electronic device provided includes an operating unit that receives an operation of a user; an image capturing unit that is able to capture an image of an appearance of the user; an information providing unit that provides information to the user based on the image captured by the image capturing unit, wherein the image capturing unit captures an image of the user when the user is operating the operating unit. | 2014-11-06 |
20140330685 | Asset Tracking and Management - Embodiments include asset tracking and management. In one embodiment, an end-user device obtains a user identifier, a tracking unit identifier, and an asset identifier. The end-user device sends these items to a server. Upon receipt, the server verifies that the tracking unit identifier is valid, available, and assigned to the user. When verified, the server associates the tracking unit identifier with the asset identifier and the user identifier, and marks the tracking unit identifier applied. In another embodiment, a group code is generated. The group code specifies a unit identifier a multiplier. Upon confirmation that the group code was properly generated and applied to a container, unit identifiers are generated for the group. In another embodiment, a custody record is updated to indicate that a received user identifier now has custody of a tracking identifier, while preserving a previous chain of custody of the tracking identifier. | 2014-11-06 |
20140330686 | FACILITATING ONLINE TO OFFLINE COMMERCE - Systems and methods for facilitating online to offline commerce are disclosed. In one embodiment, a system configured to receive a request to check-in a customer at a merchant facility is disclosed. The system receives a request to access real-time pre-sale transaction data associated with a first customer and transmits the real-time pre-sale transaction data associated with the first customer to a mobile client device. The request to check-in and the request to access the real-time pre-sale transaction data are transmitted by the first mobile client device. The system is configured to authenticate the request to check-in at the merchant facility, process the request to access the real-time pre-sale transaction data, and responsively access the real-time pre-sale transaction data associated with the first customer from a point of sale device located at the merchant facility. | 2014-11-06 |
20140330687 | Revenue Sharing - A server provides data to software applications executing at mobile devices. Billing information for each wireless device is shared with a provider of a software application. The server formats usage information into a transaction record for the content provider. A customer of a network carrier is charged differently based upon a type of content accessed through the server. | 2014-11-06 |
20140330688 | SYSTEM AND METHOD FOR CREATING AND MANAGING A CHARGING CONDITION MATRIX - In one embodiment, a Charging Condition Matrix (hereinafter “CCM”) is created and maintained. The CCM has one or more conditions and corresponding rates dictated by the terms and conditions of a contract. A user may utilize the CCM with a revenue and expense management application to compute data-driven fees based on attributes of the inbound data. Computed fees may subsequently be used in the processing or revenue, expenses, or both in the application. | 2014-11-06 |
20140330689 | System and Method for Verifying Online Banking Account Identity Using Real-Time Communication and Digital Certificate - A system and method for verifying online banking account identity using real-time communication and digital certificate, comprising: online banking server with users' bank accounts, security server, users' cellular phones, and digital certificate, wherein the security server is equipped with a server end for real-time communication technology and the user's cellular phone is equipped with real-time communication application, with which the cellular phone uses to connect with the security server. Whenever the user performs online banking services that require identity authentication, the online banking server verifies the user's digital certificate, and performs security authentication through the security server and the user's cellular phone. This increases the difficulty for hackers to commit online banking fraud by infecting a user's Internet terminal with the Trojan Horse virus, because these hackers would still need access to the user's cellular phone to successfully complete the security authentication process and access online banking services. | 2014-11-06 |
20140330690 | MERCHANT CONTINUITY CORRECTION USING CARDHOLDER LOYALTY INFORMATION - A computer-implemented method of maintaining continuity of transaction data associated with a merchant within a payment card network includes identifying new merchant IDs and associated new merchant information from a database, the new merchant IDs and associated new transactions generated after a predetermined timestamp; and identifying discontinued merchant IDs and associated discontinued merchant information from the database, the discontinued merchant IDs associated only with older transactions generated before the predetermined timestamp and thus appearing to have been discontinued after the predetermined timestamp. The method further includes linking a new merchant ID to a discontinued merchant ID based on continued loyalty of payment card holders, the linked pair of new merchant and discontinued merchant ID having common payment card accounts associated therewith, thereby maintaining continuity of transaction data associated with the merchant corresponding to the linked pair of new and discontinued merchant IDs. | 2014-11-06 |
20140330691 | DEVICES, METHODS AND SYSTEMS RELATED TO AUTOMATION THAT PROVIDES FINANCIAL PLANNING ADVICE - Computationally implemented methods and systems include generating at least one financial plan container that includes a template of one or more variables, said financial plan container configured to receive and/or contain client data, and said template of one or more variables is based on one or more of a type of the financial plan container and financial plan data, facilitating presentation of at least a portion of the at least one financial plan container that is configured to receive the client data, and applying one or more projection factors to the at least one financial plan container that contains the client data. In addition to the foregoing, other aspects are described in the claims, drawings, and text. | 2014-11-06 |
20140330692 | 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. | 2014-11-06 |
20140330693 | SYSTEMS AND METHODS FOR AUCTIONING ASSET BACKED SECURITIES - Provided are computer implemented methods and systems for auctioning asset backed securities. An online multi-stage auction system is provided based on peer-to-peer lending approach, where individual borrowers may sell shares in asset backed securities to partially finance the asset backed security or facilitate loans to purchase the asset backed securities. The auction system provides for a number of auctions to be held sequentially over a predetermined period of time. Lenders are provided with an option to sell their shares during each of the auctions. The total amount of shares allowable to be sold by lenders per auction should not exceed a predetermined threshold amount, otherwise the shares are sold in installments at subsequent auctions. | 2014-11-06 |
20140330694 | METHOD AND SYSTEM FOR PREPARATION OF A FINANCIAL TRANSACTION - Methods and a system for preparing a financial transaction are described. Input data for a financial information query is received. A query is performed and data for a number of information panels is returned. The data relates to trading information for at least one tradable object associated with the input data. A user may select one or more information panels to generate a trade prompt, which is communicable to a user of a second computing device. Access to the trade prompt allows the user of the second computing device to instruct a trade of one or more tradable objects from the second computing device. | 2014-11-06 |
20140330695 | FACILITATING REVENUE GENERATION FROM WHOLESALE ELECTRICITY MARKETS BASED ON A SELF-TUNING ENERGY ASSET MODEL - The apparatus, systems and methods herein facilitate generation of energy-related revenue for an energy customer of an electricity supplier. The apparatuses and methods herein can be used to generate suggested operating schedules for the energy assets that including a controllable energy asset, using an objective function. The objective function is determined based on a dynamic simulation model of the energy profile of the energy assets. The dynamic simulation model is adaptive to physical changes in the energy assets based on a parametric estimation using at least one model parameter. The model parameter is at least one of an operation characteristic of the controllable energy asset, a thermodynamic property of the energy assets, and a projected environmental condition. Energy-related revenue available to the energy customer is based at least in part on a wholesale electricity market or on a regulation market. | 2014-11-06 |
20140330696 | Consolidated Price Level Expansion - Certain embodiments provide consolidated price level expansion. Data associated with the individual price levels represented by a consolidated price level is expanded and provided through an expanded consolidated price level interface. In certain embodiments, the expanded consolidated price level interface includes a pop-up interface. In certain embodiments, the expanded consolidated price level interface includes an in-line interface. In certain embodiments, an order may be entered using the expanded consolidated price level interface. | 2014-11-06 |
20140330697 | Target Trading System and Method - A method of reaching one or more target positions in a user-directed trading system includes the steps of: identifying target positions, wherein each target position includes a tradable instrument identifier and a target quantity; for at least one of the target positions, identifying a corresponding initial position including a current quantity associated with the tradable instrument identifier; and triggering the trading system to identify orders required to reach at least one target position from at least one initial position. A user-directed trading system includes: a user interface through which a user identifies target positions, wherein each target position includes a tradable instrument identifier and a target quantity; for at least one of the target positions, identifies a corresponding initial position including a current quantity associated with the tradable instrument identifier; and identifies orders required to reach at least one target position from at least one initial position. | 2014-11-06 |
20140330698 | DYNAMICALLY ACTIVATING AND DEACTIVATING ONE OR MORE ELEMENTS OF A TRADING TOOL - Various embodiments relate to intelligently activating and deactivating a trading tool element of a trading tool to improve a user's confidence in the trading tool. By dynamically activating and deactivating elements on the trading screen, the trading tool effectively increases a user's confidence in placing a trading order, canceling a trade order, or both, for example, by eliminating or reducing undesirable options. Undesirable options might include those that are risky, contrary to a particular trading strategy, would result in a loss of money, and so on. Such an embodiment can improve the overall speed at which a user places or cancels a trade order by, among other things, effectively increasing the user's overall confidence in the trading tool. | 2014-11-06 |
20140330699 | METHOD OF PROCESSING INVESTMENT DATA AND ASSOCIATED SYSTEM - A computerized method for processing investment data includes providing a server supporting a database for receiving, processing and storing investment data providing a rules engine for processing rules data employing rules relating to credit assignment; introducing into the server investment data from a plurality of external sources, processing the rules data by the rules engine and permitting user access to the processed and stored investment data. Information regarding customer investments, client information and investment transaction information is provided in the server. A corresponding system is disclosed. | 2014-11-06 |
20140330700 | MULTIPLE OPEN ORDER RISK MANAGEMENT AND MANAGEMENT OF RISK OF LOSS DURING HIGH VELOCITY MARKET MOVEMENT - The disclosed embodiments relate to a mechanism which may restrict or otherwise manage the extent of exposure of any particular market participant within the price movement threshold of a market protection system which interrupts market activity during extreme events, as well as to a mechanism for controlling risk of loss which acts to reduce or otherwise manage a market participant's ability to concentrate their exposure, or risk of loss, within a range of price levels and/or within correlated products that could be executed upon before the market participant, or other entity responsible for the activities thereof, e.g. a risk manager, has an opportunity to react to rapid market movement. Such a mechanism, once the market protection system had activated, e.g. by placing the market in reserve, may permit the market participant, or other party, the opportunity to modify or cancel unexecuted orders to mitigate potential losses. | 2014-11-06 |
20140330701 | Methods and Systems for Chart Based Order Entry - In one aspect, the invention comprises software comprising: (a) software for displaying a chart display comprising pricing information for securities; and (b) software for displaying an interface display for placing securities orders, wherein the chart display is configured to enable a user to enter price information in the interface display by selecting a location on the chart display corresponding to a price to be entered into the interface display. In another aspect, the invention comprises a method comprising entering price information in an interface display for placing securities orders by selecting a location on a chart display comprising pricing information for securities, the location corresponding to a price to be entered into the interface display. | 2014-11-06 |
20140330702 | SYSTEM AND METHOD FOR USING DIVERSIFICATION SPREADING FOR RISK OFFSET - A computer-implemented method for analyzing a risk offset associated with a portfolio including a plurality of products traded on an exchange is disclosed. The method includes comparing a first market response of a first product in the portfolio with a second market response of a second product in the portfolio where the first and second market responses result from a change in market data, calculating an offsetting effect between the first market response and the second market response where the first and second market responses are substantially different responses to the same change in the market data, determining a diversification spread based on the offsetting effect derived between the first product and the second product, calculating a diversification spread credit based on the determined diversification spread, and adjusting a margin requirement for the portfolio based on the diversification spread credit. | 2014-11-06 |
20140330703 | SYSTEM AND METHOD MANAGING TRADING USING ALERT MESSAGES FOR OUTLYING TRADING ORDERS - According to one embodiment, a method of managing trading is provided. In a market for a particular type of instrument, electronic data including buy orders and sell orders are received from a plurality of traders. Each buy order has an associated bid price and each sell order has an associated offer price. A determination is made of whether the particular trading order is an outlying trading order by electronically determining whether the particular trading order differs from at least one comparison price by more than a threshold value. If it is determined that the particular trading is an outlying trading order, a restrictive action is taken regarding one or more trading orders. For example, if a trader subsequently submits another trading order that would trade with the outlying trading order, an electronic alert message may be sent to the trader and the subsequent trading order may be prevented from trading with the outlying trading order at least temporarily. | 2014-11-06 |
20140330704 | Method and Apparatus for Automated Trading of Equity Securities Using a Real Time Data Analysis - A system and method for buying and selling securities based on volatility and liquidity rather than other fundamentals is demonstrated. The method involves: providing at least one decision model to buy and sell a security; inputting real-time data into the decision model; and automatically generating an order and executing transactions to buy and sell the security based in response to the decision model. The method continues in buying and selling the security based in response to decision model until the method is stopped. | 2014-11-06 |
20140330705 | System and Method for Assembling Credit Data - An interface receives credit data from a plurality of data sources. The credit data comprises customer information. A processor determines a customer identifier associated with the credit data and links the customer identifier associated with the credit data to a customer identifier associated with historical credit data. The processor determines whether the customer information of the credit data is different from customer information of the historical credit data. When the customer information of the credit data is different than the customer information of the historical credit data, the processor updates the customer information of the credit data to match the customer information of the historical credit data. The interface communicates the updated credit data to a plurality of external modules with each external module associated with a credit bureau. The processor updates the historical credit data to include the updated credit data. The interface receives feedback from each external module, wherein the feedback comprises an external credit file report and rejected credit information from the communicated credit data and communicates the feedback from each external module to a data source. | 2014-11-06 |
20140330706 | APPARATUS AND METHOD FOR TOTAL LOSS PREDICTION - A Total Loss Predictor Score assesses the risk of Total Loss of new credit applications by leveraging the most powerful insights from business databases. The Total Loss Predictor Score built on segmentation and algorithms that use the commercial information from business databases, powered by analytics, delivers a unique solution for credit risk management to help business creditors with origination decisions. | 2014-11-06 |
20140330707 | METHODS TO ADVANCE LOAN PROCEEDS ON PREPAID CARDS, ASSOCIATED SYSTEMS AND COMPUTER PROGRAM PRODUCTS - Embodiments of the present invention include systems, computer program products, and associated computer-implemented methods of advancing loan proceeds on prepaid cards. Example embodiments include generating a common interface for loan information when proceeds from the loan are destined for a prepaid card account. As understood by those skilled in the art, the common interface of the embodiments of the present invention is agnostic to the prepaid card processor. Example embodiments include determining the prepaid card processor associated with the prepaid card account from the loan information provided through the common interface and invoking the prepaid processor as one of the plurality of preselected prepaid processors available to post the loan proceeds to the prepaid card account. Example embodiments further include reconciling the information for the approved loan from the underwriter with the information from the prepaid card processor. | 2014-11-06 |
20140330708 | PAPER CHECK PROCESSING IN CONNECTION WITH BILL PAY REQUESTS - Apparatus for electronically notifying an individual of an incomplete transaction associated with a received correspondence item is provided. The apparatus may include a receiver for receiving a single paper correspondence item associated with a first correspondence. The apparatus may include a processor for deriving a digital image from the paper correspondence item. The processor may be configured to determine, based on the derived digital image, whether the correspondence item is a paper check. In response to the determination of the correspondence item as a paper check, the processor may be further configured to use a real-time notification channel to notify the individual of receipt of the paper check. The notification may be based, at least in part, on the identification of the individual. The processor may be further configured to use the real-time notification channel to present at least one option for identification of an account to which the check should be applied. | 2014-11-06 |
20140330709 | ONLINE STREAM HONEY POT CAPTURE - An online stream honey pot capture method includes placing content sought to be protected on a honey pot website, providing access to a user who has been advised that the content is unlicensed, receiving contact information from the user, and obtaining payment from the user for his access of the unlicensed content. | 2014-11-06 |
20140330710 | Method and System for Flexible Payment Processing - Embodiments of the invention are directed to a computer-implemented method for enhancing payment flexibility implementing a computer processor accessing at least one storage medium. The method includes receiving payment notification including a payment amount and a payment date for an identified customer and determining eligibility for flexible payment status implementing the computer processor, the determination based on the customer identity, the payment date, and a payment due date. The method further includes calculating a flex accrual using the computer processor if the customer is eligible for flexible payment status, the flex accrual based on the payment amount, the payment date, and the payment due date and communicating the flex accrual to the customer. The method additionally includes allowing the identified customer to utilize the flex accrual by making a late payment without penalty, wherein a number of days late and dollars paid are determined based on the flex accrual. | 2014-11-06 |
20140330711 | SWITCHING FUNCTIONS FOR MOBILE PAYMENTS SYSTEM - A data processing center (DPC) computer receives billing information, including a mobile telephone number, and a bill issuance notification request from an acquirer computer. The DPC computer then determines, based on the mobile telephone number, a mobile payment platform (MPP) computer having an account holder as a customer, transmits the billing information to the MPP computer for relaying a billing issuance notification to a mobile device of the account holder, and then receives information indicating that the account holder has been authenticated and has elected to pay the bill associated with the billing issuance notification. The DPC computer then determines a payment card account number of the account holder, and transmits it to the acquirer computer for bill payment processing. | 2014-11-06 |
20140330712 | System and Method For Conversion Of Initial Transaction To Final Transaction - The invention comprises a system and method for converting initial financial transactions into final financial transactions entailing lower transaction fees or which are otherwise more advantageous. According to one embodiment of the invention, a card not present (CNP) transaction is conducted for a remote consumer buying goods/services. When the consumer later arrives at a point of authentication (POA), the consumer is presented with an opportunity to have the CNP transaction effectively converted to a card present (CP) transaction using the same card instrument or a different card instrument. The merchant benefits because the transaction fees are much reduced for the CP transaction compared to the CNP transaction. The consumer may benefit from rewards/rebates or other inducements to authorizing the subsequent transaction. One preferred embodiment implements the invention in the airlines environment, wherein tickets ordered over the phone or on-line using a first CNP transaction are converted to a CP transaction when the consumer swipes his/her card at an airport kiosk card reader device. | 2014-11-06 |
20140330713 | SYSTEM AND METHOD FOR PROCESSING FINANCIAL TRANSACTIONS - Disclosed herein are systems, methods, and non-transitory computer-readable storage media for receiving data from a giver at a first time, the data being used to identify a merchant at which a gift from the giver to a recipient is redeemable. The system presents a group of merchants associated with the data to the giver, each merchant of the group of merchants offering a promotion in connection with the gift. The system receives from the giver a selection of a chosen merchant from the group of merchants, the chosen merchant having an associated promotion. The system then generates a policy comprising the gift, the chosen merchant, and the associated promotion such that upon receiving an indication of a triggering event caused by the recipient, the system can apply the gift and the associated promotion according to the policy. | 2014-11-06 |
20140330714 | PAPER PAYMENT RECEIPT, PROCESSING AND REAL TIME COMMUNICATION WITH PAYOR - Apparatus for electronically notifying an individual of an incomplete transaction associated with a received correspondence item is provided. The apparatus may include a receiver for receiving a single paper correspondence item associated with a first correspondence. The apparatus may include a processor for deriving a digital image from the paper correspondence item. The processor may be configured to determine, based on the derived digital image, whether the correspondence item is a paper check. In response to the determination of the correspondence item as a paper check, the processor may be further configured to use a real-time notification channel to notify the individual of receipt of the paper check. The notification may be based, at least in part, on the identification of the individual. The processor may be further configured to use the real-time notification channel to present at least one option for identification of an account to which the check should be applied. | 2014-11-06 |
20140330715 | GRANULAR, USER-ACCESIBLE PAPER PAYMENT PROCESSING INDICATORS - Apparatus for electronically notifying an individual of an incomplete transaction associated with a received correspondence item is provided. The apparatus may include a receiver for receiving a single paper correspondence item associated with a first correspondence. The apparatus may include a processor for deriving a digital image from the paper correspondence item. The processor may be configured to determine, based on the derived digital image, whether the correspondence item is a paper check. In response to the determination of the correspondence item as a paper check, the processor may be further configured to use a real-time notification channel to notify the individual of receipt of the paper check. The notification may be based, at least in part, on the identification of the individual. The processor may be further configured to use the real-time notification channel to present at least one option for identification of an account to which the check should be applied. | 2014-11-06 |
20140330716 | PAPER PAYMENT PROCESSING ANALYTICS - Apparatus for electronically notifying an individual of an incomplete transaction associated with a received correspondence item is provided. The apparatus may include a receiver for receiving a single paper correspondence item associated with a first correspondence. The apparatus may include a processor for deriving a digital image from the paper correspondence item. The processor may be configured to determine, based on the derived digital image, whether the correspondence item is a paper check. In response to the determination of the correspondence item as a paper check, the processor may be further configured to use a real-time notification channel to notify the individual of receipt of the paper check. The notification may be based, at least in part, on the identification of the individual. The processor may be further configured to use the real-time notification channel to present at least one option for identification of an account to which the check should be applied. | 2014-11-06 |
20140330717 | PAPER PAYMENT RECEIPT, PROCESSING AND FAILURE REMEDIATION - Apparatus for electronically notifying an individual of an incomplete transaction associated with a received correspondence item is provided. The apparatus may include a receiver for receiving a single paper correspondence item associated with a first correspondence. The apparatus may include a processor for deriving a digital image from the paper correspondence item. The processor may be configured to determine, based on the derived digital image, whether the correspondence item is a paper check. In response to the determination of the correspondence item as a paper check, the processor may be further configured to use a real-time notification channel to notify the individual of receipt of the paper check. The notification may be based, at least in part, on the identification of the individual. The processor may be further configured to use the real-time notification channel to present at least one option for identification of an account to which the check should be applied. | 2014-11-06 |
20140330718 | PAPER PAYMENT RECEIPT, PROCESSING AND PAYMENT FAILURE ANALYTICS - Apparatus for electronically notifying an individual of an incomplete transaction associated with a received correspondence item is provided. The apparatus may include a receiver for receiving a single paper correspondence item associated with a first correspondence. The apparatus may include a processor for deriving a digital image from the paper correspondence item. The processor may be configured to determine, based on the derived digital image, whether the correspondence item is a paper check. In response to the determination of the correspondence item as a paper check, the processor may be further configured to use a real-time notification channel to notify the individual of receipt of the paper check. The notification may be based, at least in part, on the identification of the individual. The processor may be further configured to use the real-time notification channel to present at least one option for identification of an account to which the check should be applied. | 2014-11-06 |
20140330719 | CURRENCY RECYCLER - A cash recycler that is configured to allow deposited money to be dispensed (recycled) in a withdrawal transaction. In one embodiment, multiple currency recyclers could be used at multiple stores of a retail establishment and collectively work from one pending balance. Embodiments are also contemplated in which multiple accounts at one recycler location. In some cases, the currency recycler provides provisional credit for deposits of coinage and checks. In some cases, transactions made on the currency recycler could be settled to any financial institution. | 2014-11-06 |
20140330720 | System to utilize telecommunications data to authorize and activate equipment - This system enables equipment that previously has been activated by coin, bill, token, payment cards, etc to be activated from a telecommunications device, which will typically but not necessarily be mobile. The system maintains a database of registered users, their payment mode, prepaid or paid at time of service, account balance and allowed commands. The system is able to recognize when a message has been received from an authorized user and respond to that message with a return message as well as activating the equipment if appropriate and debiting the user's account or triggering an electronic payment in some cases. This system has a wide range of applications including but not limited to car washes, laundry machines, parking meters, vending machines, arcade games any equipment that is activated by payment or human attendant currently or which could benefit from the use of a remote activation capability. | 2014-11-06 |
20140330721 | SYSTEMS AND METHODS FOR VERIFYING AND PROCESSING TRANSACTIONS USING VIRTUAL CURRENCY - A payment processing system may be integrated with a centralized virtual currency issuing and transaction processing system to provide a standardized and more efficient virtual currency that can provide easier tracking of and use of a consumer's virtual currency balance. The payment processing system may implement a network communications systems that may allow the payment processing system to obtain additional consumer, merchant and transaction information for a transaction by data fields transmitted in a network header portion of a network communications protocol packet. The additional information may be stored and cross-referenced to provide greater transaction tracking data. | 2014-11-06 |
20140330722 | SYSTEM AND METHOD FOR USING AN ACCOUNT SEQUENCE IDENTIFIER - Embodiments of the invention provide for facilitating a transaction using a communication device associated with a user. Certain embodiments allow for provisioning a communication device for use with an enhanced primary account identifier. The enhanced primary account identifier includes a primary account identifier (PAI) and a primary account identifier sequence number (PSI). The PSI is unique to the communication device and may be de-provisioned if the communication device is lost or stolen. A replacement communication device may be provisioned for use with a newly gemerated unique PSI without having to generate a new PAI. | 2014-11-06 |
20140330723 | Credit Instrument And System Providing Multiple Services Including Access To Credit Services And Access To A Service Provider Club - An apparatus and methods for a card that allows a cardholder to set up auto-charge payment of dues and fees to a series of clubs, merchants or service providers. The card also may be used for other transactions that accept credit cards. The apparatus includes a database containing information of the associated clubs, merchants and service providers, so that applicants and cardholders can easily configure auto-charging for multiple business concerns in one sitting. The apparatus may process auto-charge transactions in an automated fashion without requiring a cardholder to submit payment authorization or the business concern to submit a charge for each payment. Inconvenience and administrative costs to the cardholder and the business concern are reduced. The system and method provide a competitive advantage to the associated business concerns to secure the initial account and then to maintain it. The system and method encourages card loyalty of both the card members and the business concerns to the card provider. | 2014-11-06 |
20140330724 | CREDIT CARD PROCESSING FOR A VEHICLE FLEET - Credit card transactions are processed and managed for a fleet of motor vehicles for hire. A plurality of simultaneous wireless communication connections is maintained between a respective plurality of vehicles in the fleet and a central control center. A plurality of messages is received at the central control center, each one of said messages including credit card transaction information. For each vehicle, the messages and said credit card transaction information are stored in the central control center in real-time or near real-time. A credit card transaction reconciliation report can be produced at any time, in response to a user request, for a motor vehicle identified in the user request. The credit card transaction reconciliation report utilizes the messages and credit card transaction information collected and stored in the central control center. | 2014-11-06 |
20140330725 | METHOD AND SYSTEM FOR ELECTRONIC PURCHASES USING AN INTELLIGENT DATA CARRIER MEDIUM, ELECTRONIC COUPON SYSTEM, AND INTERACTIVE TV INFRASTRUCTUR - A method and a system for electronically transacting a purchase between a purchaser and a merchant are disclosed. The method includes storing accrued incentives on an intelligent data carrier medium via interactive television (DTV/STB) equipment and redeeming a discount or a value corresponding to the accrued incentives present on the data carrier medium when a purchase is made. The electronic purchase system using an electronic network contains a purchaser interactive television (DTV/STB) equipment connected to the electronic network, a fixed intelligent data carrier medium connected to the interactive television (DTV/STB) equipment for service authentication and decryption and a detachable intelligent data carrier medium connected to the interactive television (DTV/STB) equipment. | 2014-11-06 |
20140330726 | SMART CARD WITH VERIFICATION MEANS - The present invention is directed to a smartcard that enables a one-time pin code offline security authentication with a card reader. This is achieved by generating a one-time pin code when the user inputs their pin code. The inputted pin code is encrypted and matched with the encrypted user correct pin code. If there is a match the one-time pin code is stored in memory and the transaction can proceed. | 2014-11-06 |
20140330727 | ID Authentication - A method for ID authentication, in which equipment involved in a transaction requests a password from a physically separate but limited-range communicating device, which automatically supplies a password in response to such request and communicates it to the equipment, the password is assessed as valid or invalid and the transaction approved or not accordingly. | 2014-11-06 |
20140330728 | METHOD AND SYSTEM FOR PERFORMING A COMMERCIAL TRANSACTION BY USING A SHORT MESSAGE SERVICE TERMINAL - Method for performing a commercial transaction wherein a customer having a computer connected to a public network such as the Internet network and a SMS terminal is able to receive and send SMS messages over a telephone network and can order an article by using the computer to a commercial server connected to the public network. | 2014-11-06 |
20140330729 | PAYMENT PROCESSING USING BIOMETRIC IDENTIFICATION - Facial recognition is used to associate, organize, identify, select, execute, and transfer payment, data files, and personal information to and from a user's profile in the cloud through a C2C and B2C network. The information—financial, professional, and personal—is securely delivered to a POS system, to a credit-card company/acquirer, to a cloud database, to a checkout tablet, and/or to a consumer-owned and operated smartphone device or tablet. | 2014-11-06 |
20140330730 | POINT BANK SYSTEM - A maintenance management side manages machine information and the installed number of machines such as a copier, a printer, a facsimile, a digital multi-functional apparatus, and a scanner, and exchanges the usage number for each machine for a point value, based on the machine information and the installed number of machines. A service is provided to the user based on the point value. In addition, the service to the user can be utilized through each machine provided at the user side. | 2014-11-06 |
20140330731 | SYSTEM AND METHOD FOR MANAGING BACKFLOW PREVENTION ASSEMBLY TEST DATA - The present disclosure includes a system, method and computer program product for managing Backflow Prevention Assembly (“BPA”) test result data. A Compliance Management System (“CMS”) may generate a keycode indicating a necessary BPA teat which is sent to a purveyor. The purveyor may transmit the keycode to a BPA owner, and the BPA owner may transmit the keycode to a tester. The tester may enter the keycode into a Backflow Test Application (“BTA”) which identifies the BPA. The tester may test the BPA and enter test results into the BTA on a portable device. The BTA may transmit the test results to the CMS. CMS may integrate the test results into a to of BPA test results. A purveyor may approve the test results, and the CMS may generate a new keycode for the next annual test for the BPA. | 2014-11-06 |
20140330732 | PROVIDING ACCESS TO A PRIVATE RESOURCE IN AN ENTERPRISE SOCIAL NETWORKING SYSTEM - Disclosed are methods, apparatus, systems, and computer readable storage media for providing access to a private resource in an enterprise social networking system. One or more servers may receive a request for access to a private resource to be granted to a user from a publisher. The publisher may be configured to publish a message as a feed item to one or more feeds, where the message includes a user identification identifying the user. The user does not have access to the private resource. The feed item may be provided to display in the one or more feeds. Access may be granted to the user via the one or more feeds. In some implementations, access may be granted in response to a user input from the feed item associated with a moderator or owner, the moderator or owner having a privilege to control user access to the private resource. | 2014-11-06 |
20140330733 | SYSTEMS AND METHODS FOR GRAPHICAL DISPLAY OF GEOGRAPHIC DATE FOR EMPLOYMENT OPPORTUNITIES - The invention relates to systems and methods graphically displaying geographic data corresponding to multiple employment opportunities, such as by displaying points on a map. In an embodiment, the system includes an employment search server that is operatively coupled to a public network, and has a database that stores data associated with a plurality of employment opportunities, and data associated with a plurality of users. The system receives employment opportunities information entered by an administrator or a potential employer, finds geographic data for the employment opportunities using a map service, and stores the geographic data in the database. When the system receives a query from a user for one or more employment opportunities, it searches the database for employment opportunities corresponding to the query, then uses the geographic data of those employment opportunities to display those employment opportunities, such as by displaying points on a map. The system may also display the location of the user on the map. | 2014-11-06 |
20140330734 | SYSTEMS AND METHODS FOR IDENTIFYING HIDDEN TALENT - A candidate assessment system reviews gaming data from a plurality of players to determine how well those players fit a particular job opening. The system uses one or more interpretation metrics to derive skill sets for each player by analyzing game attribute data from game scenarios played by the player. Each interpretation metric is generally unique, allowing the candidate assessment engine to derive a player's skill sets in markedly different ways. | 2014-11-06 |
20140330735 | METHODS AND SYSTEMS FOR SUPPORTING THE PRODUCTION OF SHIPPING LABELS - Methods and systems for supporting the production of shipping labels are provided. Example embodiments provide a Shipment Management System (“SMS”), which facilitates the production of shipping labels. The SMS may be configured to generate a shipping uniform resource identifier (“URI”) that identifies a shipping protocol and includes shipment information and post-back information. The shipping URI may be provided to a shipping label module configured to produce a shipping label in accordance with the shipping protocol by outputting a shipping label based on the shipment information, and automatically posting information about the producing of the shipping label to a code module identified by the post-back information. This abstract is provided to comply with rules requiring an abstract, and it is submitted with the intention that it will not be used to interpret or limit the scope or meaning of the claims. | 2014-11-06 |
20140330736 | PERFORMING A CUSTOMS PROCEDURE - A method includes receiving an electronic logistics document containing logistics data of received goods, processing the logistics data, and generating an electronic customs declaration. Generating can include extracting from the logistics document logistics data, deriving from the extracted logistics data customs data related to a customs procedure, and generating for at least a part of the received goods an electronic customs declaration document containing the customs data. The method can include providing the electronic customs declaration document at an output interface, transmitting the electronic customs declaration document to an input interface of an electronic customs clearance declaration system, receiving, from the electronic customs clearance declaration system, clearance data regarding the received goods at a second input interface, and marking the logistics data with a first marking to signal that the customs procedure has been completed. | 2014-11-06 |
20140330737 | METHODS, SYSTEMS, AND DEVICES FOR DETECTING AND RESOLVING RISKS ASSOCIATED WITH SHIPPED OBJECTS - Methods, systems, and devices are disclosed for resolving a risk associated with a shipped physical object. The methods and servers comprise associating a time with a geographical region. The methods and servers also comprise receiving a set of locations associated with transport of a physical object. In addition, the methods and servers comprise determining that the set of locations fails to satisfy a condition associated with the time and the geographical region. The sensor devices report location data to a server at a first time interval, wherein the location data fails to satisfy a condition associated with a time and a geographical region. The sensor devices also receive an indication of a panic mode. In addition, the sensor devices also report location data to the server at a second time interval, wherein the second time interval is different than the first time interval. | 2014-11-06 |
20140330738 | Optimizing Customer Delivery Services - Systems and methods for delivering items to customers are disclosed. In one embodiment, an initial delivery schedule is established. The delivery schedule comprises a plurality of slots representing delivery times and delivery locations for the customers, wherein the slots are assigned as a result of a collaborative process. A set of pre-selected additional customers are identified for possible scheduling of any open slot. In real-time, additional slots in the initial delivery schedule are automatically identified. The additional slots represent a capacity to provide the item to one or more additional customers. One or more target customers are contacted to fill the additional slots. The target customers are automatically selected from the set of pre-selected additional customers based upon a target customer location relative to delivery locations associated with the slots adjacent to the additional slot. Customers may also pick up items from a delivery vehicle parked at a centralized location. | 2014-11-06 |
20140330739 | Optimizing Customer Delivery Services - Systems and methods for delivering items to customers are disclosed. In one embodiment, an initial delivery schedule is established. The delivery schedule comprises a plurality of slots representing delivery times and delivery locations for the customers, wherein the slots are assigned as a result of a collaborative process. A set of pre-selected additional customers are identified for possible scheduling of any open slot. In real-time, additional slots in the initial delivery schedule are automatically identified. The additional slots represent a capacity to provide the item to one or more additional customers. One or more target customers are contacted to fill the additional slots. The target customers are automatically selected from the set of pre-selected additional customers based upon a target customer location relative to delivery locations associated with the slots adjacent to the additional slot. Customers may also pick up items from a delivery vehicle parked at a centralized location. | 2014-11-06 |