47th week of 2015 patent applcation highlights part 49 |
Patent application number | Title | Published |
20150332237 | ITEM-LEVEL INFORMATION COLLECTION FOR INTERACTIVE PAYMENT EXPERIENCE - Disclosed is a technology for collecting item-level transaction information for interactive payment experience. According to one embodiment, a merchant server can maintain a database including the information of financial accounts having a particular classification. The classification indicates that these financial accounts are associated with a payment service system. When the merchant server determines a requested financial transaction involves a financial account classified in the database, the merchant server transmits the item-level transaction information to the payment service system. The payment service system receives the item-level transaction information in real-time or near real-time and generates an interactive digital transaction receipt for a consumer. | 2015-11-19 |
20150332238 | POS SYSTEM AND METHOD FOR DRIVING SAME - The POS system of the present invention can include a mobile terminal and a POS-supporting device which is connected to the mobile terminal via a near-field communication (NFC)-based relay so as to be in communication therewith. Here, the mobile terminal includes an open source-based POS application program module connected to the POS-supporting device in an NFC scheme via the relay so as to be in communication therewith, and interacting, through the relay, with the POS-supporting device and a server supporting a POS function on a communication network in order to perform POS functions. The POS system can autonomously manage itself by adjusting the POS application program without manufacturer support at the store or shop, and the POS system can be introduced and used at a low cost. | 2015-11-19 |
20150332239 | POINT OF SALE PLATFORM FOR CONSUMER MEDIA INTERACTION - A point of sale system includes a host, an intermediate controller, a user interface device, and one or more peripheral devices. The intermediate controller includes an operating environment and is in communication with the host. The user interface device is associated with and in communication with the intermediate controller. The user interface includes a web browser and the intermediate controller includes a webserver, the webserver hosting one or more applications for interaction with a customer. The one or more peripheral devices are coupled to at least the intermediate controller via a bus. Related apparatus, systems, techniques, and articles are also described. | 2015-11-19 |
20150332240 | APPARATUS, SYSTEM AND METHOD FOR BEACON-ENABLED MOBILE POS - A system, method and apparatus for that allow participating consumers and businesses to initiate and fulfill payment transactions using mobile devices based on their physical proximity to one another using an apparatus equipped with the capability to both send and receive beacon signals. | 2015-11-19 |
20150332241 | PORTABLE TERMINAL AND ITS PROGRAMS, SETTLEMENT APPARATUS, AND MERCHANDISING INFORMATION PROVIDING APPARATUS - On receiving simplified settlement data generated form settlement data and ID data for downloading electronic-receipt data from an electronic-receipt server, both from a settlement-processing apparatus, a portable terminal records the simplified settlement data in association with the ID data. The display unit of the portable terminal displays the simplified settlement data thus recorded. The portable terminal downloads electronic-receipt data from the electronic-receipt server by using the ID data recorded in association with the simplified settlement data, when the input unit is operated, thereby commanding that the electronic receipt related to the simplified settlement data displayed by the display unit should be downloaded. The electronic-receipt data is recorded in the electronic-receipt recording unit. The display unit displays the electronic receipt on the basis the electronic-receipt data recorded in the electronic-receipt recording unit. | 2015-11-19 |
20150332242 | SYSTEMS AND METHODS FOR IDENTIFYING TRANSACTION CAPABILITIES OF CASHIER - Exemplary embodiments are directed to determining an availability of a transaction capability of a point-of-sale terminal, and alerting a customer of an availability of the transaction capability. Login activity can be detected at a point-of-sale terminal. An availability of a transaction capability for the point-of-sale terminal can be determined based on data retrieved by the point-of-sale terminal in response to the login activity. A visual alert associated with the transaction capability of the point-of-sale terminal is controlled based on the availability of the transaction capability. | 2015-11-19 |
20150332243 | SYSTEM AND METHOD FOR PROCESSING ORDERS - Aspects of the disclosure relate generally to an order processing system that receives and prints orders and provides an indication of the number of the orders that have been printed and are awaiting acknowledgment by a user. | 2015-11-19 |
20150332244 | METHOD, APPARATUS AND SYSTEM FOR PROCRSSING PAYMENT REQUEST FOR VIRTUAL COMMODITIES ON OPEN NETWORK PLATFORM - A method, apparatus and system for processing a payment request for a virtual commodity on an open network platform are provided. The method includes: receiving a payment request that is sent by a third-party application server according to a request from a terminal, the payment request carrying at least an account identifier; deducting a charge from an account corresponding to the account identifier according to a payment attribute corresponding to the account identifier; and sending a charge deduction result corresponding to the account to the terminal via the third-party application server. According to the present method, usage rate of network and system resources is improved. | 2015-11-19 |
20150332245 | Consumer Purchase Database Assistance - This present invention provides an interface at the time of a transaction that communicates with at least one database that contains information regarding the consumer's available payment options. The system then compares the characteristics with various factors regarding the retailer or purchase to match the most suitable payment option with the transaction, and provides that information to the consumer or retailer. | 2015-11-19 |
20150332246 | MULTI-ACCOUNT CARD - A system for conducting a transaction is disclosed. The system may include one or more memory devices storing instructions and one or more processors configured to execute the instructions to receive information associated with a transaction initiated using a multi-account card. The one or more processors may be further configured to select and employ one of a plurality of transaction accounts to complete the transaction. | 2015-11-19 |
20150332247 | SYSTEM AND METHOD FOR LOADING PREPAID CARD WITH FUNDS USING A MOBILE DEVICE - A system for loading a prepaid card using a mobile device, the mobile device comprising a unique identifier stored in a data memory device of the mobile device, a card reader coupled to the mobile device, the card reader configured to read data from a data memory device of the prepaid card, a remote card loading system operating on the mobile device and configured to receive the prepaid card data from the card reader and to transmit the unique identifier, prepaid card value data and prepaid card activation data to a prepaid card management system and a loader authorization system operating on a processor and configured to receive the mobile device identification data, the prepaid card value data and the prepaid card activation data and to activate the prepaid card for use with a financial transaction processing system. | 2015-11-19 |
20150332248 | VERIFYING A SECURE CONNECTION BETWEEN A NETWORK BEACON AND A USER COMPUTING DEVICE - A beacon device establishes a network connection with a user computing device. The beacon device determines the received signal strength indicator of the user computing device (the “reverse RSSI”) and transmits it to the user computing device, which determines the received signal strength indicator (the “RSSI”) of the beacon device, and saves the RSSI with the reverse RSSI as a data pair. At a later time, the beacon device determines a subsequent reverse RSSI and transmits it to the user computing device, which determines a subsequent RSSI, and saves the subsequent RSSI with the subsequent reverse RSSI as a data pair. If the user computing device determines a correspondence in the changes of the RSSI values and reverse RSSI values in the two data pairs, a transaction between the two devices is allowed. If correspondence does not exist, then the user computing device terminates the network connection. | 2015-11-19 |
20150332249 | TRANSACTION DEVICE AND METHOD FOR SECURING A TRANSACTION BETWEEN THE TRANSACTION DEVICE AND AN EXTERNAL DEVICE - A transaction device for securing a transaction includes an NFC controller, a communication interface, an application processor, a display and a user input device. The NFC controller is configured to receive, via a contactiess NFC interface, data related to the transaction from an external device. The communication interface is configured to receive an application program for the transaction device. The application processor is coupled to the NFC controller and configured to process the application program. The display is coupled to the application processor and configured to display transaction information. The user input device is linked to the NFC controller and configured to receive a user acknowledgement of the transaction. The NFC controller is further configured to transmit, via the contactless NFC interface, a transaction agreement of the transaction to the external device in response to the user acknowledgement from the user input device, without the user acknowledgement and the transaction agreement being routed through the application processor. | 2015-11-19 |
20150332250 | SYSTEMS AND METHODS FOR SECURITY FEATURES FOR RETAIL CARDS EXCHANGE - Embodiments may be configured to determine a balance associated with a first gift card for a first retailer, void the first gift card, and issue a second gift card associated with the first retailer. Embodiments may be utilized by users on a gift card exchange to ensure, validate, and/or verify that the gift cards purchased, sold, and/or exchanged are new and unused gift cards with the indicated balance. | 2015-11-19 |
20150332251 | Methods and Systems for Managing Payments Between Payor and Payee - A method of managing payments between a payor and a payee includes receiving by the payee a virtual prepaid card, wherein a predetermined amount of money is held by the virtual prepaid card as a payment to the payee. The method includes receiving by the payee a letter containing a uniform resource locator (URL) of a web page. The webpage is configured to create an online account responsive to transaction data from the payee. The transaction data includes verification information for verifying and associating the payee to the payor and includes the payee's bank account information. The payee can receive the payment via an electronic fund transfer or by processing the virtual prepaid card through a merchant terminal. The virtual prepaid card may be imprinted on the letter. | 2015-11-19 |
20150332252 | SYSTEM FOR ACTIVATION OF A DIGITAL CARD - The present invention generates a loyalty card, promotion card, membership card, stored value card, payment digital card, or a combination of them. Customers are able to visit a merchant internet site, enter their personal information and receive a digital store card specific for their mobile device and mobile operating system and the merchant. The present invention eliminates the requirement for store specific or aggregated payment and (or) loyalty mobile applications to be stored on the mobile device. | 2015-11-19 |
20150332253 | System for Packaging, Processing, Activating, and Deactivating Multiple Individual Transaction Cards as a Singular Unit - A transaction card processing and activation system comprising the identification of a unique identifier corresponding to an aggregate of transaction cards of affiliated or non-affiliated card issuers and the activation of each transaction card corresponding to the unique identifier of the aggregate irrespective of the number, types, or card issuers of the transaction cards. Additionally, the present invention allows a point of sale entity to initiate the activation of each of the multiple, disparate transaction cards in the aggregate by merely processing the unique identifier associated with the aggregate. | 2015-11-19 |
20150332254 | ENSURING SECURE ACCESS BY A SERVICE PROVIDER TO ONE OF A PLURALITY OF MOBILE ELECTRONIC WALLETS - Facilitating exclusive access to a workflow of a service provider via a mobile wallet interface involves, within a client runtime environment, activating through the interface a service provider-specific application so that the service provider-specific application has exclusive access to a secure electronic transaction workflow of the service provider associated with at least one of the service provider-specific application and the wallet, while being denied access by the client runtime environment to any other service provider services or resources. | 2015-11-19 |
20150332255 | METHOD AND SYSTEM FOR TOKEN-BASED COMMUNICATION BETWEEN EXTRANEOUS APPLICATIONS AND AN ELECTRONIC WALLET - A method for token-based communication between extraneous applications and an electronic wallet includes: (1a) selecting items for storage in the core wallet by one or more extraneous application(s); (1b) sending information on the selected items to the core wallet by the extraneous application(s); (1c) displaying the selected items on the terminal by the core wallet; (1d) waiting for activation of at least one of the displayed items based on interaction of the user with the core wallet; (1e) retrieving, for each activated item, a token associated with the item in the extraneous application from which the item originates by the core wallet; and (1f) storing the tokens retrieved in step (1e) in a wallet applet installed on a secure element that is configured for wireless radio communication. | 2015-11-19 |
20150332256 | System and Method for Converting Cryptocurrency to Virtual Assets Whose Value is Substantiated by a Reserve of Assets - A computer-based system converts cryptocurrency into a virtual asset. The system includes a user account database server configured to store data of a plurality of user accounts. The stored data pertains to each user account and indicates an accounting of obligations of the system to the user. The system also includes a cryptocurrency account server configured to receive, from a networked device of a user, a transfer of crypto currency, from an external cryptocurrency account. In response to receipt of such a transfer, the cryptocurrency account server is configured to update the data pertaining to the obligations of the system to the user. The system also includes a user interface server configured to receive a request from the user for conversion of cryptocurrency to an asset. In response to receipt of the request, the system updates the data pertaining to the user account of the user. | 2015-11-19 |
20150332257 | SAFE CARD - A safe card system comprising: a plurality of safe cards, at least one safe card reader and a service provider computer. Each safe card: Capable of generating at a specific time a temporary number based on combination of a first number representing at least one biometric identifier, and a temporary second number, and a card signal based on the temporary number; The at least one safe card reader capable of reading the card signal, and converting the card signal into a card reader number, The service provider: Capable of drawing at a specific time at least one fifth number associated with said time, generating at least one sixth number derived from the fifth numbers, and comparing the sixth numbers to the card reader number so as to allow service to the safe card when a sixth number is identical to the card reader number. | 2015-11-19 |
20150332258 | Identity Verification via Short-Range Wireless Communications - Embodiment methods, devices, non-transitory processor-readable storage media, and systems for conducting transactions based on proximity without sending secure information via short-range wireless signaling, comprising broadcasting, by a point-of-sale device, a short-range wireless message requesting a peripheral response, broadcasting, by a client device, a short-range wireless message indicating that the client device is available as a peripheral, receiving, at the point-of-sale device via an established short-range wireless connection, identifying data of the client device, transmitting, by the point-of-sale device to a server, a message including the received identifying data of the client device, transmitting, by the server to the point-of-sale device, an encrypted nonce, transmitting, by the point-of-sale device to the client device via the established connection, the encrypted nonce, decrypting, by the client device, the encrypted nonce, determining whether the decrypted nonce matches the unencrypted nonce, and conducting a transaction in response to the decrypted nonce matching the unencrypted nonce. | 2015-11-19 |
20150332259 | SECURE PAYMENT SYSTEM AND METHOD - A secure payment system and method are disclosed. An example secure payment system includes a vending device configured to receive a token from the customer for a transaction at the vending device. The vending device is further configured to confirm validity of the token based on a transaction index and a transaction code of the token. In response to a valid token, the vending device is configured to negotiate the transaction for the customer. In an example, the system also includes a remote payment processor to confirm payment by the customer for the transaction and issue the token to the customer, the token having the transaction index and the transaction code. | 2015-11-19 |
20150332260 | ELECTRONIC TRANSACTION SECURITY SYSTEM AND METHOD - A system and method for generating a limited use login credential associated with an account maintained by an institution, where the credential facilitates secure access to the account. | 2015-11-19 |
20150332261 | METHOD FOR MUTUAL AUTHENTICATION FOR PAYMENT DEVICE - Disclosed is a mutual authentication method for a payment device, in which location information of track 2 information is hidden when a credit card faces an inappropriate payment processing terminal, thus improving security of the credit card. To this end, the method, performed by a payment processing terminal processing the payment of the payment device, comprises: generating a first random value and a first hash value for the random value; and providing the random value to the payment device, and comparing a second hash value returned by the payment device and the first hash value. The payment processing terminal authenticates the payment device when the first hash value is identical to the second hash value. The payment device recognizes the payment processing terminal as a normal terminal when receiving a request for generating the second hash value for the random value, and provides card information to the payment processing terminal. | 2015-11-19 |
20150332262 | MASTER APPLET FOR SECURE REMOTE PAYMENT PROCESSING - Embodiments of the invention are directed to methods, apparatuses, and systems for processing transactions using a master applet on a mobile device. One embodiment of the invention is directed to a method comprising a master applet associated with a mobile application of a mobile device determining available applications on a mobile device, displaying the available applications to a user, and receiving a selection of one of the available applications from the user. The method further comprises obtaining encrypted credentials from the selected application, generating an encrypted payload including the encrypted credentials and transaction data using a master applet encryption key associated with the applet, and sending the encrypted payload to a processor computer. The processor computer decrypts the encrypted payload using a master applet decryption key, decrypts the encrypted credentials using a selected application decryption key, and uses the decrypted credentials and transaction data to initiate a transaction. | 2015-11-19 |
20150332263 | METHOD FOR PROCESSING ISSUANCE OF MOBILE CREDIT CARD - Disclosed is a method for processing the issuance of a mobile credit card, which is capable of shortening the time taken to issue a mobile credit card and in which card information transmitted from a card company server to a financial chip is processed by a one-time transmission. Thus the frequency of stoppages in the issuance of a credit card, which are caused by disconnections or interferences in a wireless communication, is reduced and stability of issuing a credit card is improved. | 2015-11-19 |
20150332264 | TOKENIZATION OF USER ACCOUNTS FOR DIRECT PAYMENT AUTHORIZATION CHANNEL - Embodiments of the present invention disclose a financial institution system maintained by a financial institution and for tokenization of user accounts for using a direct payment authorization channel, whereby a third party payment authorization network is avoided. Embodiments establish a direct channel of communication between the system and a merchant or a merchant network in communication with the merchant; wherein the direct channel of communication comprises a network communication channel without a third party payment authorization system; receive a token issued by the financial institution and associated with a user account associated with a customer of the financial institution; receive transaction data comprising an amount associated with a transaction between the customer of the financial institution and the merchant; and determine whether to authorize the transaction based on the received token and the received transaction data. | 2015-11-19 |
20150332265 | AUTOMATED CONTACTLESS ACCESS DEVICE LOCATION SYSTEM AND METHOD - A method is disclosed. The method includes receiving transaction data in an authorization request message from an access device, where the transaction data is associated with a merchant and a transaction location. The method also includes analyzing the transaction data to determine if a location database comprises location data corresponding to the merchant associated with the transaction data, and adding the transaction location and information regarding the access device to the location database. | 2015-11-19 |
20150332266 | SECURE MANAGEMENT OF TRANSACTIONS USING A SMART/VIRTUAL CARD - A method, system, and/or computer program product securely manages smart card transactions. A processing entity receives a smart card identifier from a smart card. The smart card identifier is a transaction-specific identifier for a transaction, and contains no financial data about a holder of the smart card. The smart card identifier is hidden from a second party to the transaction. The processing entity receives transaction data for the transaction from the second party, where the transaction data is blocked from the smart card. In response to determining that the transaction is valid, the processing entity issues a transaction confirmation to the smart card and a transaction approval to the second party to the transaction. | 2015-11-19 |
20150332267 | SYSTEM AND METHOD FOR FACILITATING ELECTRONIC COMMERCE WITH CONTROLLED SPENDING OVER A NETWORK - In accordance with embodiments of the present disclosure, systems and methods for facilitating electronic commerce over a network include receiving a transaction request from a merchant on behalf of a client, accessing a client account associated with the client based on information passed with the transaction request, reviewing spending parameters stored as part of the client account, the spending parameters indicating acceptable merchant category codes for client approved merchants, comparing a merchant category code for the merchant with the acceptable merchant category codes of the spending parameters, approving the transaction request between the merchant and the client if the merchant category code for the merchant is determined to be an acceptable merchant category code of the spending parameters, and denying the transaction request between the merchant and the client if the merchant category code for the merchant is determined to be an unacceptable merchant category code of the spending parameters. | 2015-11-19 |
20150332268 | Method and Apparatus for Simplifying the Handling of Complex Payment Transactions - A predetermined amount, which may, in general, be zero, less than, the same as, or greater than a (yet-to-be-determined) final transaction amount, is charged upon first presentation of a payment device to a merchant. A final transaction amount is calculated, preferably at a central server, subsequent to the first presentation. A variable adjustment value is calculated, preferably at the central server, by comparing the predetermined amount already charged with the final transaction amount. A new predetermined amount charged, upon a subsequent presentation of the payment device, is modified by the variable adjustment value. | 2015-11-19 |
20150332269 | SYSTEMS AND METHODS FOR DEBIT CARD ACCOUNT CONFIRMATION - Systems and methods that receive one or more information associated with a debit card account and receive verification of the information associated with the debit card. Upon the verification, a proxy associated with the information may be generated and stored in association with the information. The proxy may further be provided to other entities that may use the proxy as an indicator of the verification of the debit card account and for initiating transactions using the verified debit card account. | 2015-11-19 |
20150332270 | SYSTEM AND METHOD OF A PASSPHRASE ACCOUNT IDENTIFIER FOR USE IN A NETWORK ENVIRONMENT - A system and method for facilitating a financial transaction over a network including use of a passphrase account identifier is described herein. In one embodiment, a system for facilitating a financial transaction over a network comprises a communication interface; and a payment provider system configured to receive via the communication interface a passphrase account identifier from a merchant system, match the passphrase account identifier to a corresponding funding instrument number of a corresponding funding instrument, communicate the corresponding funding instrument number to an issuer system, receive from the issuer system a notification indication of one of acceptance of the funding instrument or decline of the funding instrument, and communicate back to the merchant system the notification indication. | 2015-11-19 |
20150332271 | PASSIVE CARDHOLDER VERIFICATION METHOD IN MOBILE DEVICE - In a payment-enabled smartphone, a customer verification method (CVM) may be performed without prompting the user to provide any input. An outcome of the resulting passive CVM process may be an input to a risk based decision process performed by the smartphone, by a point of sale terminal and/or by an issuer of a payment card account accessed via the payment-enabled smartphone. The risk based decision process may determine whether a payment transaction is approved or declined. | 2015-11-19 |
20150332272 | UNIVERSAL POSITIVE PAY MATCH, AUTHENTICATION, AUTHORIZATION, SETTLEMENT AND CLEARING SYSTEM AND METHOD - A Universal Positive Pay Database (UPPD) method, system, and/or computer useable medium to reduce financial transaction fraud. A UPPD database is configured to store thereon transaction records associated with financial transactions corresponding to customers of the UPPD database. A particular financial transaction is initiated between a payer and a payee by providing parameters associated with the financial transaction to the UPPD database. An Issue File is provided to the UPPD database that includes parameters associated with the particular financial transaction. A correspondence determination is made between the financial transaction parameters from the Issue File and the financial transaction parameters provided to the UPPD database at every point along the financial transaction clearing process. The customer, payer, payee, payee bank, drawee bank, and banking institutions intermediate the payee bank and the drawee bank are able to access the correspondence determination at every point along the financial transaction clearing process. | 2015-11-19 |
20150332273 | AUTHENTICATION VIA BIOMETRIC PASSPHRASE - A system, method and computer program product for granting access and/or an authorization are disclosed. For instance, a computer-implemented method may include receiving a first sequence of plurality of biometric data elements. The sequence of plurality of biometric data elements may comprise a biometric passphrase. The method may include registering the biometric passphrase to a known user and/or a transaction account. The method may include receiving a transaction request comprising a second sequence of plurality of biometric data elements. The method may include comparing the second sequence of plurality of biometric data elements to the biometric passphrase to resulting in a confidence factor of the comparison. The comparison may include comparing the sequencing of the second sequence of plurality of biometric data elements and the characteristics of each biometric data element of the second sequence of plurality of biometric data elements to the biometric passphrase. | 2015-11-19 |
20150332274 | BIOMETRIC RECOGNITION METHOD WITH SPEED AND SECURITY FEATURE SUITABLE FOR POS/ATM APPLICATIONS - A method quickly recognizes a person by identification codes derivable from biometric data includes registering and recognizing at least one user from multiple registered users by a recognition event. Each user registration event includes acquiring from biometric data correlated to a configuration of the user's blood vessels. Acquired biometric data is encoded into a respective registration identification code associated to the user. The user is registered the associated registration identification code is registered. Each recognition event includes acquiring the biometric data correlated to the user's blood vessels. The acquired biometric data is coded into a respective recognition identification user code. Based on the registered identification codes, a comparison set of comparison identification codes is prepared. Then the recognition identification code is compared with each comparison identification code. A respective matching level for each comparison is estimated. The user is recognized or refused recognition based on the estimated matching levels. | 2015-11-19 |
20150332275 | METHOD FOR BIOMETRIC RECOGNITION WITH CLUSTERING OF REGISTERED DATA FOR POS/ATM APPLICATIONS - A method quickly recognizes a person by identification codes derivable from biometric data includes registering a user, and recognizing a registered user, through a respective recognition event. Each registration event includes acquiring at least one biometric datum related to blood vessels of the user. The acquired biometric datum is encoded into a respective registration identification code and associated with the user. The user and the associated registration identification code are registered. Each recognition event includes acquiring biometric datum related to the user's blood vessels and encoding the acquired biometric datum into a respective recognition identification code. Based on the registered registration identification codes, a comparison set of comparison identification codes is prepared and compared. For each comparison, a matching level is estimated and the user is recognized or refused recognition based on the estimated matching levels. | 2015-11-19 |
20150332276 | DATA SHARING PLATFORM - A data sharing platform can be used to implement a method for allowing at least one entity which makes payments with a payment network to share transaction data. A database containing the transaction data from the at least one entity which makes payments with the payment network is maintained. A user interface is provided, which presents the at least one entity which makes payments with the payment network with at least one selection providing consent to sharing of at least a portion of the transaction data with at least one third party. The consent from the at least one entity which makes payments with the payment network is obtained, via the at least one selection. Interfacing takes place with the at least one third party to share the at least portion of the transaction data. | 2015-11-19 |
20150332277 | COMPLIANCE ADHERENCE ASSESSMENT TOOL FOR REGULATORY REPORTING - Embodiments of the invention are directed to a system, method, or computer program product for a compliance adherence assessment tool for regulatory reporting. The tool provides a self-explaining check for and evaluation of completeness of a compliance regulatory report. In this way, irrespective of the location or group within an entity, the report is generated from, the processing and compliance adherence will be uniform across the entity. Furthermore, the tool aids in creating a uniform reporting process that weighs potential exposures and mitigates those exposures for regulatory reporting across an entity. | 2015-11-19 |
20150332278 | REAL-TIME REMOTE AUDITING - In one embodiment, an instruction from an auditor to capture an image of an object is received. The image of the object is captured. The captured image of the object is transmitted in real-time to the auditor for viewing and/or verification that the captured image satisfies the instruction. The instruction and/or the object are associated with an audit. | 2015-11-19 |
20150332279 | REAL-TIME REMOTE AUDITING - In one embodiment, an instruction from an auditor to capture an image of an object is received. The image of the object is captured. The captured image of the object is transmitted in real-time to the auditor for viewing and/or verification that the captured image satisfies the instruction. The instruction and/or the object are associated with an audit. | 2015-11-19 |
20150332280 | COMPLIANT AUDITING ARCHITECTURE - A compliant auditing architecture is implemented such that a uniform experience of collecting, storing, and interacting with audit data may be provided for various compliance scenarios. A user action to be audited may be detected through a user interface of an auditing application, and a protocol service of the application may generate an audit event corresponding to the user action. The protocol service may transmit audit data associated with the audit event to a local queue of a datacenter for short-term storage, and an upload service hosted by the datacenter may upload the audit data from the local queue, and transmit the audit data to a data store for long-term storage. In response to a request from an administrator, the stored audit data may be converted to a format compatible with one or more compliance interfaces, and transmitted to the administrator through the interfaces for querying and/or reporting. | 2015-11-19 |
20150332281 | METHODS AND APPARATUS FOR COMPUTER CONDONIMIUM - A computer condo device including a digitally controllable apparatus, such as a digital storage with an ownership interest allocated to a legal entity and a support structure capable of providing digital access to the digital storage for data owned or controlled by a legal person. | 2015-11-19 |
20150332282 | UNIT-BASED LICENSING FOR COLLAGE CONTENT ACCESS - Unit-based licensing for collage content access may include receiving a content access request, which may indicate a customer account, collage information, and content. Unit-based licensing for collage content access may include identifying a cardinality of assigned units for the content, determining an adjusted cardinality of assigned units by adjusting the cardinality of assigned units based on the collage information, identifying a cardinality of available units allocated to the customer account, and determining whether the adjusted cardinality of the assigned units is within the cardinality of the available units. Unit-based licensing for collage content access may include outputting a response indicating that the request is granted on a condition that the adjusted cardinality of assigned units is within the cardinality of the available units and outputting a response indicating that the request is denied on a condition that the adjusted cardinality of assigned units exceeds the cardinality of the available units. | 2015-11-19 |
20150332283 | HEALTHCARE TRANSACTION VALIDATION VIA BLOCKCHAIN PROOF-OF-WORK, SYSTEMS AND METHODS - Healthcare transaction validation systems and methods are presented. Healthcare transactions associated with a stakeholder are compiled into a chain of healthcare transaction blocks. The chain can be considered a chronicle of person's healthcare path through life. When a transaction is conducted, the corresponding healthcare parameters (e.g., inputs, outputs, clinical evidence, outcomes, etc.) are sent to one or more validation devices. The devices establish a validity of the transaction and generate a new block via a proof-of-work principle. Once the new block has been calculated it can be appended to the stakeholder's health care blockchain. | 2015-11-19 |
20150332284 | SYSTEM AND METHOD FOR DETERMINING SERVICE INTERVALS BASED ON TRANSACTION DATA - A system for determining service intervals of a serviceable property based on payment card transaction data. A data storage device contains payment card transaction data of a plurality customers and merchants. A processor is configured to identify purchasers of a serviceable property based on processing payment card transaction data including statistical analysis of the payment card transaction data to identify relationships between different payment card transactions representing a correlation of a given property of a purchaser with a particular service linked to the property. Characteristic traits and service frequencies are determined for purchasers of the serviceable property. A particular serviceable property is selected from the payment card transaction data, and the determined profile data is applied, along with selected data characteristics of a given service, to obtain data representative of an updated service interval for a given service associated with the serviceable property. | 2015-11-19 |
20150332285 | SYSTEM AND METHOD FOR MAKING WEATHER BASED ACTIVITY RECOMMENDATIONS - A system for correlating customer payment card purchases and contemporaneous weather conditions. The system comprises a first data storage device containing payment card transaction data and a second data storage device comprising historic weather data. A processor is provided and configured to identify correlations between payment card transactions and weather conditions contemporaneous to the transactions or otherwise associated therewith. | 2015-11-19 |
20150332286 | SYSTEM AND METHOD IDENTIFYING HOLDERS OR RE-SELLABLE COMMODITIES - A system for identifying a holder of re-sellable commodities is provided. The system includes one or more data storage devices containing payment card transaction data of a plurality of customers and a filter configured to identify payment card transactions associated with a predetermined re-sellable commodity from the payment card transaction data. The system further comprises one or more additional data storage devices containing at least one of market or industry data related to the predetermined re-sellable commodity. A processor is provided and configured to analyze the card payment transaction data and the market or industry data related to the predetermined re-sellable commodity for identifying a customer likely to be in possession of the predetermined re-sellable commodity. | 2015-11-19 |
20150332287 | SOCIAL CUSTOMER RELATIONSHIP MANAGEMENT OPPORTUNITY TEMPLATING - The method includes receiving a target customer relationship management (CRM) opportunity from a social customer relationship management application. The method also includes extracting one or more structural elements from the target CRM opportunity. The method also includes extracting one or more structural attributes of each structural element responsive to extracting the one or more structural elements. The method also includes storing the one or more structural elements and the one or more structural attributes associated with each structural element in a template database. The method also includes creating a template from the one or more structural elements and the structural attributes in the template database. | 2015-11-19 |
20150332288 | INTEGRATING METADATA FROM APPLICATIONS USED FOR SOCIAL NETWORKING INTO A CUSTOMER RELATIONSHIP MANAGEMENT (CRM) SYSTEM - Integrating metadata from applications used for social networking into a customer relationship management (CRM) system includes obtaining, from applications used for social networking, metadata associated with users of the applications, analyzing the metadata from the applications to infer opportunities, relationships for mapping clients, structures, and subject matter experts, and integrating the opportunities, the relationships for mapping the clients, the structures, and the subject matter experts into a CRM system to populate the CRM system. | 2015-11-19 |
20150332289 | INTEGRATING METADATA FROM APPLICATIONS USED FOR SOCIAL NETWORKING INTO A CUSTOMER RELATIONSHIP MANAGEMENT (CRM) SYSTEM - Integrating metadata from applications used for social networking into a customer relationship management (CRM) system includes obtaining, from applications used for social networking, metadata associated with users of the applications, analyzing the metadata from the applications to infer opportunities, relationships for mapping clients, structures, and subject matter experts, and integrating the opportunities, the relationships for mapping the clients, the structures, and the subject matter experts into a CRM system to populate the CRM system. | 2015-11-19 |
20150332290 | METHOD, SYSTEM, COMPUTER PROGRAM PRODUCT AND PROGRAM FOR CREATING AND USING ACTIONABLE JOURNEY MAPS - The present invention describes a method, a system, a computer program product and a computer program for creating and using a journey map and for associating user interactions with a system such as a computer system to steps of the journey map. Embodiments of the invention relate to user interactions with an organisation across a range of different communication channels and associating these interactions with steps of a journey map. | 2015-11-19 |
20150332291 | SYSTEMS AND METHODS FOR IDENTIFYING CUSTOMERS USING PAYMENTS DATA - Systems and methods may identify customers based on payment and point-of-sale (POS) data collected from a merchant POS system. In one aspect, the systems and methods receive the POS data at a secure server. Customer identities may be determined based on a randomly-generated token associated with a payment identifier. Customer payment data and third-party reservation data may be matched with the POS data and the customer identities at the secure server based on ticket information to generate consumer metrics. In some embodiments, the systems and methods generate the consumer metrics for display on a client electronic device for a merchant/retailer. | 2015-11-19 |
20150332292 | SYSTEM AND METHOD FOR MONITORING MARKET INFORMATION FOR DEREGULATED UTILITIES BASED ON TRANSACTION DATA - A system for determining market information of unregulated utility services comprises: a data storage device containing payment card transaction data of customers including customer information and information identifying a category of unregulated utility services; a filter configured to identify those transactions associated with the category of unregulated utility services from the payment card transaction data within a predetermined geographic region; a data storage device containing market or industry data related to the category of unregulated utility services; a processor; a memory storing program instructions, the processor being operative with the program instructions to: analyze the identified payment card transactions and the market or industry data related to the category of unregulated utility services; determine a score indicator representative of a given customer's probability of switching utility providers; compare the score indicator with a threshold value; and identifying those customers whose score indicator exceeds the threshold value. | 2015-11-19 |
20150332293 | PREDICTING CUSTOMER VALUE - In one example, a method includes determining, based on historical purchase data for a customer, an expectancy value that indicates when the customer is expected to make a purchase from a business, determining, based on the historical purchase data for the customer, a frequency value that indicates at what frequency the customer is expected to make purchases from the business during a future time period, and determining, based on the historical purchase data for the customer, a monetary value that indicates how much the customer is expected to spend during the future time period. In this example, the method includes determining, based on the expectancy value, the frequency value, and the monetary value, a future customer value score that indicates how valuable the customer is likely to be in the future time period. | 2015-11-19 |
20150332294 | Method and system for profiling and scheduling of thermal residential energy use for demand-side management programs - A methodology is provided for informing targeted Demand-Response (DR) and marketing programs that focus on the temperature-sensitive part of residential electricity demand. The methodology uses energy consumption readings collected from “smart” electricity meters, as well as hourly temperature readings. Individual consumption is decomposed into a thermal-sensitive part and a base load (non thermally-sensitive), a model of temperature response that is based on thermal regimes, i.e., unobserved decisions of customers to use their heating or cooling appliances. This model is used to extract useful benchmarks that compose a thermal profiles of individual customers, i.e., terse characterizations of the statistics of these customers' temperature-sensitive consumption. This knowledge may, in turn, inform the DR program by allowing scarce operational and marketing budgets to be spent on customers whose influencing will yield highest energy reductions at the right time. Methods are also provided for scheduling optimal, individual customer controls of the thermal appliance to achieve a desired profile of the aggregate energy reductions. | 2015-11-19 |
20150332295 | Method of Forecasting Resource Demand - A system, method, and computer-readable storage medium configured to enable forecast resource demand based on accountholder or merchant-level behavior. | 2015-11-19 |
20150332296 | PREDICTING CUSTOMER VALUE - In one example, a method includes determining, based on historical purchase data for a customer, an expectancy value that indicates when the customer is expected to make a purchase from a business, determining, based on the historical purchase data for the customer, a frequency value that indicates at what frequency the customer is expected to make purchases from the business during a future time period, and determining, based on the historical purchase data for the customer, a monetary value that indicates how much the customer is expected to spend during the future time period. In this example, the method includes determining, based on the expectancy value, the frequency value, and the monetary value, a future customer value score that indicates how valuable the customer is likely to be in the future time period. | 2015-11-19 |
20150332297 | METHODS AND APPARATUS TO ANALYZE AND ADJUST DEMOGRAPHIC INFORMATION - An example method to adjust demographic data involves generating a first model based on reference demographic data corresponding to panelists and based on first self-reported demographic data and behavioral data from a database proprietor. The first self-reported demographic data and the behavioral data correspond to ones of the panelists having user accounts with the database proprietor. The first self-reported demographic data is provided to the database proprietor by the ones of the panelists having the user accounts with the database proprietor. The first model is used to partition the first self-reported demographic data into nodes, each node representing a respective subset of the first self-reported demographic data. At least some of the first self-reported demographic data is redistributed between at least some of the nodes to generate a second model that is to facilitate correcting at least one of inaccuracies or misrepresentations in the second self-reported demographic data. | 2015-11-19 |
20150332298 | PRICE MATCHING IN OMNI-CHANNEL RETAILING - Price matching strategies for a seller selling products using one or more sales channels and facing competition from omni-channel competitors in marketplace may be provided. For a product and channel, a subset of candidate competitors by product and channel may be identified. For a product, channel, candidate competitor, a value-at-risk metric is computed that represents the seller's value in the sales channel that is at risk to a competitor's price change. Based on the value-at-risk metric, one or more products for price matching against the candidate competitors may be identified. A price for the identified product may be computed that is within a competitive range. | 2015-11-19 |
20150332299 | SERVICE PRICING METHOD BASED ON SERVICE INDUSTRY AUCTION SYSTEM - The present invention relates to the technical field of service pricing methods, and in particular, to a service pricing method based on a service industry auction system. The present invention adopts the following technical solution, comprising: establishing a service-industry auction system; establishing a model of factors affecting a service price; calculating an influence coefficient of each influencing factor on the price according to historical transaction data of the auction system; the system predicting a market reference price of a service to be auctioned in future auctions; and continually correcting the market reference price predicted by the system according to the historical transaction data. The method of the present invention is used for pricing the service industry based on a service-industry auction system, fully considers the change of the service industry in the monopolistic competition market, and prices different services according to historical representations of different service auctioneers and factors affecting the price to achieve the purpose of facilitating service transactions. The method of the present invention saves many intermediate links for concluding a transaction, has a very good social network communication effect, and has a profound influence on employment increase. | 2015-11-19 |
20150332300 | AUTOMATED SYSTEM FOR ADAPTING MARKET DATA AND EVALUATING THE MARKET VALUE OF ITEMS - A system including a service provider server receives product specification data sets or price data sets. The service provider server invokes an evaluation service that causes a metric application to obtain metric data including market reference price data for responsive items at a particular time or period of time. Attribute data for responsive items is algorithmically processed to dynamically identify any differences. The identified differences are used to contextually determine which of the predefined instructions are applicable to the responsive item. One or more adjustment values are generated and applied to the market reference price data for a responsive item that differs by at least one parameter value, transforming the market reference price data into normalized metric data that is used to generate a normalized metric value. One or more of the received data sets and the respective normalized metric value are communicated to a remotely located user-agent computing device. | 2015-11-19 |
20150332301 | Transaction Discount Systems and Methods - Systems and methods for applying a transaction discount to a payment account are disclosed. In one exemplary system, a transaction discount system includes a memory having a discount database identifying discounted transaction types, a discount amount per discounted transaction type for an account type, and where each discounted transaction type is associated with a sponsor account. A server receives an electronic transaction from a payment device associated with a payment account. The server is coupled to the memory and includes computer-executable instructions defining a consumer transaction discount program that authorizes a full payment of the electronic transaction on the payment account and further credits the payment account the discount amount when the electronic transaction matches the discounted transaction type and the payment account matches the account type. The consumer transaction discount program also further debits the sponsor account for the discount amount. | 2015-11-19 |
20150332302 | SYSTEMS AND METHODS TO ORGANIZE AND CONSOLIDATE DATA FOR IMPROVED DATA STORAGE AND PROCESSING - Systems and methods to dynamically combine offer data records in accordance with predetermined rules such that the data records that are required to be monitored for processing are reduced and the computation efficiency in processing the transactions and relevant offers is improved in a transaction handler configured on an electronic processing network to process a huge amount of transactions in real time and a rapidly increasing number of offers. | 2015-11-19 |
20150332303 | SYSTEM AND METHOD FOR CREATING AND UPDATING COMPLETE CUSTOMER PROFILE - A method and system for creating and updating customer profile are disclosed. The method includes collecting a plurality of individualized details of customer; and activities of the customer, evaluating the plurality of individualized details of customer and activities of the customer; and creating and updating the customer profile in response to the plurality of individualized details of customer and activities of the customer for enabling the plurality of merchants to view the customer profile, whereby the plurality of merchants identify the customer as a preferred customer by viewing the customer profile and provide privileged services. | 2015-11-19 |
20150332304 | 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. | 2015-11-19 |
20150332305 | SYSTEM AND METHOD FOR IDENTIFYING PREFERRED CUSTOMERS AND PROVIDING INDIVIDUALIZED LOYALTY CAMPAIGNS - A method comprising collecting spending activities associated with financial transactions performed by a customer with the merchants, whereby the plurality of financial transactions collected from one or more financial intermediaries, evaluating the spending activities for identifying types of merchants with whom the customer has performed a spending activity and analyzing a spending behavior of the customer, and preparing a customer profile in response to evaluating the plurality of spending activities for enabling the plurality of merchants to view the customer profile, whereby the plurality of merchants identify the customer as a preferred customer by viewing the customer profile and provide privileged services. | 2015-11-19 |
20150332306 | SOCIAL-FINANCIAL NETWORK SYSTEMS AND METHODS - The present disclosure provides systems and methods directed to a social-financial platform. In certain embodiments, sponsor-members, consumer-members, and beneficiary members are part of a social-financial platform in which purchases made by consumer-members at merchant sponsor-members result in automatic rebates being paid to and allocated between the consumer member and one or more beneficiary-members. Also disclosed is a monolithic financial structure for carrying out rebate allocation automatically and instantaneously, and for transferring funds between users. | 2015-11-19 |
20150332307 | 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. | 2015-11-19 |
20150332308 | Predicting Swing Buyers in Marketing Campaigns - In a marketing campaign, an individual whom we market to may be a swing buyer, a self buyer, or a non-persuadable non-buyer. A cost effective marketing strategy may focus on the swing buyers, who make a purchase when treated by the marketing campaign and do not purchase the product otherwise. Utilizing a randomized test and control data set including individuals randomly divided between a treatment group and a control group, three methods for predicting swing customers in a marketing campaign are proposed. One such method includes developing a first model corresponding to a likelihood that a member of control group is a buyer of the product, developing a second model corresponding to the likelihood that a non-buyer of the product is a member of control group, and determining a score corresponding to the likelihood that an individual is a swing buyer, using the first model and the second model. | 2015-11-19 |
20150332309 | ADVERTISEMENT SCORING SYSTEM AND METHOD - A computer system and set of routines which determine a score for an advertisement. | 2015-11-19 |
20150332310 | PREDICTION OF ADVERTISEMENT REACH BASED ON ADVERTISER SPECIFIED BID AND/OR BUDGET AMOUNTS - An advertising system predicts advertisement reach for a received advertisement request based on an advertiser-specified bid amount and a specification of a target audience. The system samples the target audience, and for each sampled user of the target audience, accesses a recent impression history to obtain costs or bids associated with recent advertisement impressions. The system compares the advertiser-specified bid amount in the received advertisement request to costs or bid values associated with successful advertisement impressions, for each sampled user, in order to determine whether the received advertisement request would have won a bid auction for each given sampled user to successfully reach each given sampled user. An estimated aggregate reach for the sampled users is computed and extrapolated to the targeted user population to estimate a total reach of the advertisement content for the target audience. | 2015-11-19 |
20150332311 | OPTIMIZED PLACEMENT OF DIGITAL OFFERS - Various embodiments describe systems and methods for optimizing the placement of digital offers on a digital medium. | 2015-11-19 |
20150332312 | NETWORK-BASED SYSTEMS AND METHODS FOR DEFINING AND MANAGING MULTI-DIMENSIONAL, ADVERTISING IMPRESSION INVENTORY - A method for representing and managing an inventory of overlapping multi-dimensional items such as advertising or ad impressions. The method uses an inventory management module to generate unique segment identifiers for sets of inventory items by processing descriptions of the sets of impressions including defining criteria. The method includes processing the unique segment identifiers to create a representation of the inventory as a plurality of inventory regions, which may include non-overlapping regions that correspond to inventory items in a single set of the inventory and also include overlapping regions that correspond to inventory items in two or more of the sets (e.g., items that match two or more sets of defining criteria or attributes). Availability and selection of inventory is determined using the information on inventory regions to control effects of cannibalization, such as by implementing logically necessary allocation to only cannibalize a region on a limited or forced basis. | 2015-11-19 |
20150332313 | Objective Prediction of an Ad Creative Based on Feature Scores - An online system or third party system allows advertisers to evaluate and test ad creatives before the ad creatives are presented to users in an ad campaign. Based on a set of test ad creatives for which feature scores and objective scores are determined by content evaluators (e.g., users, content processing algorithms), a model is trained to determine objective scores for an ad creative based on feature scores of the ad creative. The trained model is applied to a target ad creative, which has yet to be or has been presented to users, to determine one or more objective scores for the target ad creative based on feature scores of the target ad creative. Feedback is presented to an advertiser associated with the target ad creative based on the objective scores determined for the target ad creative. | 2015-11-19 |
20150332314 | SELECTING ORGANIC CONTENT AND ADVERTISEMENTS FOR PRESENTATION TO SOCIAL NETWORKING SYSTEM USERS BASED ON USER ENGAGEMENT - A social networking system dynamically adjusts a number of advertisements presented to a user along with organic content items by modifying a ranking including organic content items and advertisements. Partial engagement scores are generated for organic content items based on an expected amount of user interaction with each organic content item, and scores are generated for advertisements based on expected user interaction and bid amounts associated with each organic content item. An engagement score measuring the user's estimated interaction with a content feed including organic content items without advertisements and an additional engagement score measuring the user's estimated interaction with a content feed including organic content items and advertisements are determined from the partial engagement scores and the scores. A difference between the additional engagement score and the engagement score modifies a conversion factor used to combine expected user interaction and bid amounts to generate advertisement scores. | 2015-11-19 |
20150332315 | Click Through Ratio Estimation Model - Methods and systems for establishing a click-through rate estimation model. A computing device may extract basic characteristics corresponding to a current language channel associated with a server provider. The computing device may combine the basic characteristics to obtain a combination characteristic. The computing device may further obtain an effective high-order characteristic based on the basic characteristics and the combination characteristic and calculate a weight of the effective high-order characteristic. The computing device may generate the CTR estimation model by applying a CTR equation to the weight corresponding to effective high-order characteristic. The implementations may not be limited by human factors, therefore achieving high efficiency in establishing CTR estimation models and high accuracy of the CTR estimation model. | 2015-11-19 |
20150332316 | SYSTEM AND METHOD FOR UNIFYING USER-LEVEL DATA ACROSS DIFFERENT MEDIA PLATFORMS - A system and method for unifying user-level data across a plurality of media platforms are provided. The method includes receiving user-level data events from the plurality of media platforms, wherein each event relates to at least one online advertisement viewed by a plurality of users; processing the received user-level data events to detect a group of user-level data events related to the same user of the plurality of users; combining user-level data from each group of user-level data events related to the same user; assigning a unique user identifier to the combined user-level data to result in a unified user-level data related to a particular user; and storing the unified user-level data in a database, thereby providing consistent user-level data across the plurality of media platforms. | 2015-11-19 |
20150332317 | GENERATION OF AN ADVERTISEMENT BID-REACH LANDSCAPE - An advertising system receives from an advertiser at a social networking system an advertisement request, the advertisement request comprising advertisement content and a specification of a target audience for the advertisement content. The advertising system defines a plurality of bid values for the advertisement request. For each of the plurality of bid values, the advertisement system estimates a corresponding value of advertisement reach for the target audience, for example, by estimating a number of users of the target audience for each of whom the given bid value is expected to have resulted in at least one successful impression. The advertiser is provided a visual representation of a bid-reach landscape representing the estimated plurality of advertisement reach values as a function of the plurality of bid values. The advertising system provides, to the advertiser, one or more recommendations for bid values for which corresponding return-on-investment metrics exceed a specified threshold. | 2015-11-19 |
20150332318 | SYSTEM AND METHOD FOR OBTAINING A RELEASE AUTHORIZATION - A computerized method, computing device, and storage medium obtaining a release authorization for social media content. The computerized method comprises selecting a promotional content on a social platform; capturing contact information of an individual associated with the promotional content; presenting a release form for authorizing the use of the promotional content to the individual associated with the promotional content; capturing authorization data associated with the release form; and storing the authorization data associated with the release form. | 2015-11-19 |
20150332319 | SYSTEM AND METHOD FOR PROVIDING AN ELECTRONIC OFFER MANAGEMENT PLATFORM - The disclosure relates to systems and methods for providing an electronic offer management platform. Producers may generate offers that are communicated to consumers via a plurality of affiliates that provide the offers to the consumers via their respective assets. By leveraging affiliates who are willing to propagate the offers, the producer may obtain a broad audience of consumers to receive and potentially accept the offers. The system may receive indications that the consumer has accepted an offer, store the offer in one or more offer accounts of the consumer, monitor transaction information related to the consumer to determine whether offer requirements have been satisfied, and credit one or more consumer service accounts with the value of the offer. The system may further facilitate transfer of at least a portion of the balance of the consumer service accounts into a financial account when the balance meets or exceeds a predefined threshold. | 2015-11-19 |
20150332320 | GENERATING OPTIMAL STRATEGY FOR PROVIDING OFFERS - Generating optimal strategies for providing offers to a plurality of customers is described. A plurality of categorical attributes (for example, gender and residential status) and ordinal attributes (for example, risk score and credit line utilization) can be determined. Values of one of more categorical attributes can be changed as per a transition probability table. Some probabilities can be varied to determine a first tradeoff, based on which a first updated strategy can be generated. Further, noise can be added to one or more ordinal attributes. Standard deviation of a noise distribution associated with the noise can be varied so as to determine a second tradeoff, based on which a second updated strategy can be generated. The second updated strategy can be an update of the first updated strategy. Offers can be provided to the plurality of customers in accordance with the second updated strategy. | 2015-11-19 |
20150332321 | METHOD FOR IDENTIFICATION OF MULTIMEDIA CONTENT ELEMENTS AND ADDING ADVERTISING CONTENT RESPECTIVE THEREOF - A method and system for adding advertising content to multimedia content elements. The method comprises receiving a request from a user device to identify a multimedia content element, the request including the multimedia content element; generating at least one signature respective of the multimedia content element; identifying at least one concept matching the at least one signature; determining at least one identifier associated with the multimedia content element respective of the at least one matching concept; searching a database to identify at least one advertising content item associated with the at least one identifier; and sending the at least one advertising content item together with the at least one identifier upon determination that the at least one advertising content item is associated with the at least one identifier. | 2015-11-19 |
20150332322 | ENTITY SPONSORSHIP WITHIN A MODULAR SEARCH OBJECT FRAMEWORK - A modular search object framework can provide modular search results including sponsored entity search results. The framework includes circuitry that outputs an interactive entity section based on an online search. The interactive section or at least parts of the section may be sponsored by one or more entities. The interactive section includes a plurality of moveable visual objects, such as cards that can be shuffled, flipped, or swiped around. The visual objects and features associated with the objects may be monetized. | 2015-11-19 |
20150332323 | SERVER AND PROGRAM - A server includes merchandise extraction means for extracting specific merchandise regarding which information is provided to a customer from a plurality of merchandise items on the basis of customer information which is registered in relation to the customer, first delivery means for delivering first content for the specific merchandise to a first electronic apparatus used by the customer, and second delivery means for delivering second content for the specific merchandise to a second electronic apparatus used by a store staff member. The first delivery means delivers the first content corresponding to the changed second content to the first electronic apparatus in response to a request for changing the second content from the second electronic apparatus. The second delivery means delivers the second content corresponding to the changed first content to the first electronic apparatus in response to a request for changing the first content from the first electronic apparatus. | 2015-11-19 |
20150332324 | TECHNIQUE FOR ENCODING DIGITAL INFORMATION IN A CARRIER WAVE - A method for redeeming a coupon using a mobile device is disclosed. The method comprises allowing a user to select the coupon; accessing at least one melody stored in a memory of the mobile device; passing a coupon identifier for the coupon and the at least one melody to an encoder component of the mobile device encoding the coupon identifier and the melody by the encoder component to generate a signal for transmission; and transmitting said signal through a speaker of said mobile device for reception through a microphone of a receiving mobile device. | 2015-11-19 |
20150332325 | System and Method for Visualizing Real-Time Location-Based Events - A map-based system and method allow an operator of a computer system to visualize real-time events of mobile users entering, staying within, and exiting geographic regions of interest. The method comprises receiving a first request for document from the packet-based network, the first request including a first plurality of parameters associated with a first mobile device, and determining whether the first plurality of parameters indicate a first real-time location-based event of the mobile device being in proximity of a geographic location of a first business. In response to the first real-time location-based event being determined, the method updates aggregated historical/statistical data including increasing one or more counts of location-based events associated with the first business over one or more periods of time, and transmit information associated with the first real-time location-based event to one or more second computer systems in the packet-based network, the information enabling the one or more second computer systems to visualize the first real-time location-based event together with other real-time location-based events on one or more display devices. | 2015-11-19 |
20150332326 | SYSTEM FOR TARGETING LOCATION-BASED COMMUNICATIONS - Embodiments of the invention are directed to systems, methods and computer program products for providing targeted location-based communications. An exemplary apparatus is configured to receive an encoded signal, decode the encoded signal such that embedded data is retrieved, send the embedded data a remote server; and receive a message based at least partially on sending the embedded data. Another exemplary apparatus is configured to provide the encoded signal by receiving data input, receiving a host signal, embedding the data input within the host signal such that an encoded signal is generated, and transmitting the encoded signal. A third exemplary apparatus is configured to provide the targeted communications by storing one or more messages associated with an entity, receiving data, selecting at least one of the one or more messages based at least partially on the data received, and sending the at least one of the one or more messages selected. | 2015-11-19 |
20150332327 | RETAIL STORE AUDIO VIDEO FEATURE DEMONSTRATION SYSTEM - A retail display arrangement includes multiple video displays disposed on a wall in an arrangement. A content server causes a shopper terminal to present a user interface (UI) with video feature selectors. A shopper can select a feature and in response the content server sends content enhanced with the feature to some but not all of the displays, with the same content, not enhanced with the feature, being shown on a remaining display to better illustrate the feature to the shopper. The UI presents windows mimicking the display arrangement, and each window indicates whether the corresponding display on the wall presents content enhanced with the feature. | 2015-11-19 |
20150332328 | ADVERTISEMENT MANAGEMENT - Technologies are generally described for an advertisement management scheme. In some examples, a method performed under control of an electronic device may include counting a number of users proximate to the electronic device; adjusting at least one attribute associated with an advertisement based at least in part on the counted number of users; and providing the users with the advertisement for which the at least one attribute has been adjusted. | 2015-11-19 |
20150332329 | System and Method for Marketing Mobile Advertising Supplies - The present disclosure provides a mobile advertising platform in which mobile user locations and other information are translated into indications of mobile user intent to approach certain businesses, and advertisers can fill mobile advertising requests or choose to price their bids for mobile supplies based on such indications. In certain embodiments, pre-defined places associated with business/brand names are created, and mobile advertising requests are processed to determine if the associated with mobile devices have triggered any of these pre-defined places. If a mobile advertising request is determined to have triggered one or more of the pre-defined places, it is annotated with the triggered place(s), and advertisements are selected based on the triggered places and other factors. The annotated requests with the triggered places can also be commodities in a location market place, which are auctioned to the mobile advertisers, who can place their bids on the triggered places. | 2015-11-19 |
20150332330 | ADVERTISING AND ENTERTAINMENT SYSTEM AND METHOD FOR VEHICLE OCCUPANTS - A method and system of providing advertising to a moving target vehicle. At least one sensor device coupled to a moving advertising vehicle detecting a parameter associated with the moving target vehicle. The detected parameter is received by a global positioning system (GPS) device. Advertising content data pertaining to a topic associated with identification data is obtained. The topic was determined from matching identification data associated with the detected parameter to advertising correlation data. The identification data was determined from matching the detected parameter to data in a personal database. Vehicle data is determined by the at least one sensor device and/or the GPS device in the advertising vehicle. Display of the advertising content data is initiated on a display device in the advertising vehicle to display the advertising content data to the target vehicle according to at least one display parameter that is based on the vehicle data. | 2015-11-19 |
20150332331 | INTELLIGENT AD AUCTION AND SLA COMPLIANCE TECHNIQUES - Various types of Intelligent Ad Auction and Response Latency Timeout compliance techniques are described which may be implemented at Advertising Service Provider Systems and ad servers for intelligently handling ad requests in online and mobile electronic data networks. | 2015-11-19 |
20150332332 | SELF-DESTRUCTING AD MESSAGES IN MESSAGING APPS - The present application is directed to systems and methods for providing and displaying advertising messages within applications running on smart phones, tablets and other mobile devices while minimizing the disruptive effect of those advertising messages. The application may include an instant messaging or chat function. Within the application, advertising content may be presented in the portion of the screen dedicated to displaying the instant messaging or chat conversation, or in the portion of the screen dedicated to displaying a list of conversations, contacts or other content. The advertising content is set to be displayed for a certain amount of time and the display may indicate the amount of time remaining before the advertising content will disappear. The advertising content may include, for example, a limited-time offer that the user may accept while the advertising content is displayed. | 2015-11-19 |
20150332333 | System and Method for Providing Advertising Slots Before Hyperlink Destination - Disclosed is a system and method for providing ads on mobile devices. In one embodiment, the present invention comprises a software application that is adapted to display an ad to a user before directing the user destination of a hyperlink embedded within the application. The ad remains open on a mobile screen until the user taps a skip/close button. When the ad closes, the user is automatically directed to another website or a hyperlink destination. Accordingly, the user must close or skip the ad before he or she is directed to a hyperlink destination. In another preferred embodiment, the ad is cached to increase the speed of ad content viewing for the user. In this regard, the ad is displayed immediately when the user clicks or taps on a hyperlink instead of being called from an ad server after the hyperlink is activated. | 2015-11-19 |
20150332334 | PERSONALIZED GROUP COUPONS AND OFFERS WITH USER EXPERIENCE - A user experience (UX) that enables viewing and identification of other people in the user network of friends, that received a group coupon, and the participation status of the friends. The UX enables the user to chat with the people in the user's network of friends about a specific coupon that was received, enables the creation of a group of friends and the adding of another friend with high density friendship of shared common interests and/or location based on specific offer content, enables granularity on a sub-group of friends based on joint interests, the controlled exposure to the user that received the group coupon offer, the identity of other users in his group that got this coupon offer, controlled exposure to the user that received the group coupon offer, the identity of other users in his group that committed to buy the coupon, and if the group will redeem the coupon. | 2015-11-19 |
20150332335 | INTERACTIVE ADVERTISEMENTS - An advertisement comprising a plurality of video portions in a single video stream can be presented to a user. While the advertisement is being presented in the single video stream, a user feedback indicating at least one of the plurality of video portions that is of interest to the user can be received from the user. The at least one of the plurality of video portions is less than a total of the plurality of video portions of the advertisement. Responsive to receiving the user feedback, an association between the user and the user feedback indicating the at least one of the plurality of video portions of the advertisement that is of interest to the user can be automatically created using a processor. The association between the user and the user feedback can be automatically stored. | 2015-11-19 |
20150332336 | RUNTIME EXPANSION OF TARGETING CRITERIA BASED ON USER CHARACTERISTICS - A social networking system selects advertisements for a user based on user characteristics of the user in response to a request to present an advertisement to the user. To increase the number of advertisements eligible for presentation to the user, the social networking system associates the user with one or more cluster groups associated with targeting criteria that are not satisfied by the user's characteristics. To determine whether to associate a user with a cluster group, the social networking system determines a cluster score for the cluster group based on the user's characteristics. If the cluster score equals or exceeds a cluster cutoff score for the cluster group, the user is associated with the cluster group. The cluster cutoff score may be determined based on an estimated distribution of users so that a target number or percentage of users have cluster scores less than the cluster cutoff score. | 2015-11-19 |