51st week of 2014 patent applcation highlights part 61 |
Patent application number | Title | Published |
20140372251 | WEB-BASED GIFTING SOLUTION WITH BROWSABLE GIFT GALLERY AND SELECTABLE PRICE POINT - A method is disclosed for providing a gift to a recipient. The method includes providing a website on which is displayed a set of gifts and a set of selectable gift values; receiving input from a gift giver which includes (a) a designated recipient for a gift, and (b) gift criteria which includes a gift value selected by the gift giver from said set of selectable gift values; creating a URL associated with the designated recipient upon which is displayed a subset of said set of gifts that meet the gift criteria input by the gift giver; receiving, from the designated recipient, a selection of a gift from said subset of gifts; and sending the selected gift to the recipient. | 2014-12-18 |
20140372252 | Secure Online Marketplace - A networked service for providing secure access to an online marketplace by sellers and buyers. A secure member server interacts with an online classified advertisement website to allow for a selling member of the website to interface securely with a prospective buying member. Various methods are taught that allow the members to interact without exchanging personal information that could possibly be used in a fraudulent manner. | 2014-12-18 |
20140372253 | METADATA REFINEMENT USING BEHAVIORAL PATTERNS - A system and method of metadata refinement using behavioral patterns is disclosed. In some embodiments, user behavioral data for results of a search query is received. The results can include an untagged item and a plurality of tagged items. A determination can then be made that the tagged items have been assigned a first type of metadata not assigned to the untagged item. The untagged item can then be identified as a candidate to be tagged with the first type of metadata assigned to the tagged items based on the user behavioral data. In some embodiments, the user behavioral data comprises clickstream data indicating that a user selected the untagged item and the tagged items during a single search event. | 2014-12-18 |
20140372254 | INFORMATION OUTPUTTING APPARATUS, INFORMATION OUTPUTTING SYSTEM, SERVER APPARATUS, INFORMATION OUTPUTTING METHOD, PROGRAM FOR INFORMATION OUTPUTTING APPARATUS AND PROGRAM FOR SERVER APPARATUS - An information outputting apparatus is provided which can provide various information to a user and acquire various information indicating a moving state and the like of the user without separately acquiring user identification information again. | 2014-12-18 |
20140372255 | EMBEDDABLE MEDIA CONTENT SEARCH WIDGET - A system and method are disclosed by which a first computer system that is associated with a first organization provides a software component to a second computer system that is associated with a second organization, where the software component, when embedded and executed within a user interface provided by the second organization, includes in the user interface a first link to a first media content item and a second link to a second media content item. In one implementation, the first media content item and the second media content item reside in a data store associated with the first organization, and the first media content item and the second media content item are selected from a plurality of media content items based on content in the user interface. | 2014-12-18 |
20140372256 | CONTEXT DEPENDENT DATA MANAGEMENT AND DISPLAY - A system receives a request for item data from a stored data set. The request may include a specified context for providing the item data. The stored data set includes an item, at least one common item attribute, a value for each of the common item attributes, and at least one context item attribute. The system provides the requested item data. The provided item data includes context attribute values for the specified context and common attribute values for attributes that are not in the specified context attributes. | 2014-12-18 |
20140372257 | INFORMATION PROCESSING APPARATUS, INFORMATION PROCESSING METHOD, AND INFORMATION PROCESSING PROGRAM - When a word suitable for an attribute value of a search object is included in search words that are being inputted, the attribute value can be presented as a candidate for a search condition. When there are two or more search words that are being inputted, an information processing apparatus identifies a search object division suitable for a first search word among the search words from a plurality of search object divisions. From a storage unit that stores an attribute name and an attribute value of an attribute corresponding to the search object division in association with each other, the information processing apparatus acquires an attribute value suitable for a second search word different from the first search word among the search words from among attribute values associated with the identified search object division. The information processing apparatus causes the acquired attribute value to be presented as a candidate for a search condition. | 2014-12-18 |
20140372258 | Method and Apparatus for Propagating Combination of Signals for Operating a Closed Circuit E-Commerce - A method and apparatus for communicating information and e-shopping signals between servers within a closed circuit e-commerce, and between servers and shopping terminals via main router and interface of a building, propagating the information and e-shopping signals via at least one twisted pair including ASK and FSK modulated data and commands including high speed updating signals for updating the content and programs of said e-commerce stored in the shopping terminals. A delivery station for picking up and deliver the ordered merchandise located within the building or outside the building using delivery devices, and storage devices for verifying the pickup and deliver with no error. | 2014-12-18 |
20140372259 | METHOD AND APPARATUS FOR PROPOGATING COMBINATION OF SIGNALS FOR OPERATING A CLOSED CIRCUIT E-COMMERCE - A method and apparatus for communicating information and e-shopping signals between servers within a closed circuit e-commerce, and between servers and shopping terminals via main router and interface of a building, propagating the information and e-shopping signals via at least one twisted pair including ASK and FSK modulated data and commands including high speed updating signals for updating the content and programs of said e-commerce stored in the shopping terminals. A delivery station for picking up and deliver the ordered merchandise located within the building or outside the building using delivery devices, and storage devices for verifying the pickup and deliver with no error. | 2014-12-18 |
20140372260 | Video e-commerce - A method, apparatus and computer program product to facilitate video interactions between a publisher, and a set of end users, the publisher having content available from a network-accessible site. Each end user has a device that includes a media player. In one embodiment, the method begins by receiving (e.g., via a web-based interface) information to configure a video module to execute in association with the end user media players. A particular instance of the video module is adapted to execute as an end user media player renders a video to provide interactivity to the video. Preferably, the interactivity specifies at least one of a set of interactivity actions available to an end user. The video module is then published. After deployment the video module, the platform receives data about (i) execution of the video module in the end user media players, and (ii) the interactivity actions. | 2014-12-18 |
20140372261 | SYSTEM AND/OR METHOD FOR DETERMINING NEEDS AND ABILITY ASSESSMENT - A system and a method are disclosed for accessing the need and ability of an organization such as a business to use a financial product. The need is related to the length of time it takes the organization to receive payment after making a sale, and whether the organization receives payment for the sale. The need is greatest for an organization with a high bad debt ratio or slow average time until payment is received. The ability of the organization to pay for the financial product is greater when gross profit margin is high. The total volume of sale can also be taken into account in determining whether the organization can use the financial product. | 2014-12-18 |
20140372262 | USER EXPERIENCE FOR CAPTURING AND RECONCILING ITEMS - A management component in a computer system provides user input mechanisms that allow a user to capture items and reconcile them to a report in the computer system. The items in a given report can be separately viewed and edited. | 2014-12-18 |
20140372263 | USER EXPERIENCE FOR CAPTURING AND MANAGING ITEMS - A management component in a computer system provides user input mechanisms that allow a user to view reports for the computer system. The items in a given report can be separately viewed and edited and the report can be submitted for approval. | 2014-12-18 |
20140372264 | CONTEMPORANEOUS TRANSACTION AUTHORIZATION AND TAX DEDUCTIBILITY IDENTIFICATION - A request to authorize a financial transaction for a customer of a financial institution may be received from a point of sale device. The request may include transaction information indicating a merchant associated with the point of sale device and/or a nature of one or more goods or services associated with the financial transaction. An account of the financial institution associated with the customer of the financial institution may be identified. The financial transaction may be authorized. Contemporaneous to authorizing the financial transaction, a determination may be made that at least a portion of the financial transaction may qualify as a tax deductible expense for the customer of the financial institution. The determination may be based on the transaction information indicating the merchant associated with the point of sale device and/or the nature of one or more goods or services associated with the financial transaction. | 2014-12-18 |
20140372265 | USER EXPERIENCE FOR CAPTURING TIMESHEET ITEMS - A management component in a computer system provides user input mechanisms that allow a user to capture time entries on a timesheet in the computer system. The items in a given timesheet can be separately viewed and edited and the timesheet can be submitted for approval. | 2014-12-18 |
20140372266 | DIGITAL IMAGE CHECK SERVICES - Apparatus and methods are provided for viewing a check image and selecting a check service to be applied to a check. Check services may include a pay/return decision. The check images may be presented in a carousel view without pop-up windows. The user may import pre-selected check services such as stop payments. Check images may be marked with a status indicator. The status indicator may correspond to a check service applied to the check or a reconciliation error associated with the check. A user may receive notifications of pending expiration of an applied check service. The user may select and apply a check service at any time during a clearing process of the check. User may search for checks and check images based on the check service applied to the check. Search results may include check images and may be transmitted to a requested location such as via e-mail. | 2014-12-18 |
20140372267 | OFFER BASED PROVISION OF FEE BASED NETWORK ACCESS - Offer based provision of fee based network access is presented herein. An access component can provide a complementary access of first content of a network to a device without a per-access fee to a user account associated with the device. A monitor component can receive, from the device, a request for an alternate access of second content of the network that is different from the first content. The access component, based on a characteristic associated with the network determined to satisfy a defined condition with respect to the alternate access, can send an offer directed to the device for purchase of the alternate access with the per-access fee to the user account. | 2014-12-18 |
20140372268 | SYSTEM AND METHOD FOR DETERMINING, PROVIDING AND REQUESTING FINANCIAL INFORMATION - A system and method for determining and providing financial information associated with an account is provided. The system comprises several components. First, a funds module for determining funds being deposited into an account over a period of time, and for determining funds being withdrawn from the account over the period of time. Second, an account activity module for generating an interactive graphical representation of the account funds being depositing into and withdrawn from the account over a first range of dates within the period of time. Third, a daily activity module for determining the average daily activity of the account over the first range of dates. | 2014-12-18 |
20140372269 | METHODS AND SYSTEMS FOR PROVIDING A GRAPHICAL USER INTERFACE THAT ALLOWS LENDEES TO SELECT PAYMENT TERMS - Systems and methods selecting payment terms. One system includes a computing device configured to receive cost information and determine available payment options. The computing device is also configured to generate a graphical user interface based on the payment options. The graphical user interface includes a slider graphically illustrating a range of values for a payment term and a selector movable within the slider for selecting a value within the range, wherein the range of values includes a discount range. The computing device is configured to receive input from a lendee indicating a desired value from the range of values for the payment term based on a position of the selector along the range, determine if the desired value is within the discount range, and calculate a payment plan based on the desired value, wherein the payment plan includes a discount when the desired value is within the discount range. | 2014-12-18 |
20140372270 | System and Method for Balance Requests - The invention relates inter alia to a computer program ( | 2014-12-18 |
20140372271 | Systems and Methods for Processing Cleared Loan Deliverable Futures Contract Data - An exchange computer system may perform operations associated with cleared loan deliverable futures contracts. A holder of a long interest in a cleared loan deliverable futures contract may agree to pay a principle amount, at a designated future settlement time, in return for subsequent repayment of that amount with interest. A holder of a short interest in a cleared loan deliverable futures contract may agree to borrow the principle amount at the settlement time and to repay that amount, with interest, at the subsequent time. | 2014-12-18 |
20140372272 | Lack of Liquidity Order Type - Systems and methods are provided for matching orders. Orders are initially received at a central limit order book system. If an order remains unmatched or a portion of the order remains unmatched after a predetermined time period, order information is sent to a request for quote system. The request for quote system distributes a request for quote and provides any quotes to the original trading entity. An order may be matched at the central limit order book system or the request for quote system. | 2014-12-18 |
20140372273 | Automated Book-Entry Exchange of Futures for Interest Rate Swap (EFS) at Implied Current Coupon - Systems and methods are provided for liquidating existing deliverable swap futures contracts, such as deliverable interest rate swap futures contracts. An exchange determines non-par prices for existing deliverable swap futures contracts using estimates for future floating interest rate as selected by the exchange. The prices are listed and traders may submit notices of intention to liquidate existing deliverable swap futures contracts. The exchange matches notices and clears matched notices. | 2014-12-18 |
20140372274 | COUNTDOWN TIMING IN FINANCIAL INSTRUMENT TRADING HAVING A REPORTING OBLIGATION - A computer implemented method of facilitating a financial instrument transaction involving a market participant includes generating a first interface for the market participant configured for entry of data indicative of the financial instrument transaction, capturing data indicative of a timing of the financial instrument transaction based on the data entered via the first interface, determining, with a processor, a timeframe for reporting a price of the financial instrument transaction based on the data indicative of the timing, and generating a second interface for the market participant in which a timer is displayed, the timer being configured to display a time relative to the timeframe. | 2014-12-18 |
20140372275 | METHOD AND SYSTEM FOR PERFORMING AN OPENING AUCTION OF A DERIVATIVE - A method for determining execution states, market clearing prices and bid and ask prices for futures products at an opening auction. A plurality of orders is received, each order is associated with a price limit, a quantity, a participant and a futures product. For each order a quantity vector is determined, is based on the futures product associated with the order. Further, for each order a price vector is determined, based on the price limit and the futures product associated with the order. Then, an execution state vector is determined by using the determined price and quantity vectors to maximize an objective function subject to constraints. Market clearing prices and best, not executed, buy and sell orders are determined for each product using the execution state vector. Finally the bid and ask prices are given by the price limits of the best, not executed, buy and sell orders. | 2014-12-18 |
20140372276 | SYSTEM AND METHOD FOR REPLENISHING QUANTITIES OF TRADING ORDERS - A system for replenishing trading orders comprises a memory coupled to a processor. The memory stores a trading order comprising a total quantity of a product, and at least one formula to determine a displayed quantity for the trading order. The processor applies the formula to determine the displayed quantity. The processor further determines a reserved quantity based on the determined displayed quantity and the total quantity. The processor communicates the trading order having the determined displayed quantity and the determined reserved quantity. | 2014-12-18 |
20140372277 | SYSTEMS AND METHODS REGARDING TARGETED DISSEMINATION - One exemplary aspect comprises a computer-implemented method comprising: (a) electronically receiving, from a first securities market participant, data including information related to a first order and to one or more group rankings for dissemination; (b) electronically determining with one or more processors, based on data regarding a second securities market participant and the order information and group rankings, whether the second securities market participant has a second order, on the contra side of the first order, and whether, in accordance with the group rankings, the second securities market participant is qualified to receive information about the first order; and, (c) after, and only if, the second participant is determined to be qualified, transmitting information sufficient to display to the second securities market participant the information about the first order. | 2014-12-18 |
20140372278 | METHOD AND APPARATUS FOR IMPROVED ELECTRONIC TRADING - A method and apparatus for outputting data that represents the change in value of an options premium that would have resulted if the options traded in a direct linear volume relationship with its underlying security is provided. Input values utilized include a delta value, a gamma value, a value-weighted average price of an underlying stock, a reference price of the underlying stock, and an original order premium value. | 2014-12-18 |
20140372279 | ENERGY COLLABORATION PLATFORM - Methods and systems for managing the settlement processes for bilateral traded energy products in the wholesale energy industry including transaction selection, collaborative tie-out, invoicing, payment execution, dispute management, and credit management processes. One embodiment provides collaborative, on-line environments for performing tie-out activities, managing transaction disputes, processing invoices, making payments, managing credit exposure, and interactively communicating actions and comments. Embodiments can also provide automatic notification and alert sequences during the tie-out process, the invoicing process, the payment process, the disputed transaction process, and the credit management processor. The notifications and alerts can be provided publicly among counterparties as well as privately among users within a counterparty's organization. Another embodiment of the invention manages a configurable workflow sequence to fully automate review and approval of eligible matched transactions from tie-out through invoicing and payment between counterparties while simultaneously requiring users to take actions to manually process remaining out-trade transactions. | 2014-12-18 |
20140372280 | System and method of global electronic trade in the Internet - A system and method of global electronic trade in the Internet is provided. The method of global electronic trade for sellers and buyers via the Internet includes registering the sellers and the buyers; providing information regarding goods or services to the registered sellers and buyers; selecting of trade partners based on the provided information; holding tenders; conducting of transactions between the trade partners; conducting a post-transaction procedures; and protecting of information in the system of global electronic trade. In a basis of a method of global electronic trade are put: a method of creating of databases of structured information about offers of sellers and about requests of buyers; and a method of searching of trade partners. The method of creating of databases of structured information in the system of global electronic trade includes: filling an application form by sellers and by buyers; creation of the database of information about proposed goods and services, structured on the basis of the Global Classification of Branches of Economy, Goods and Services (GC) and on the basis of other data, included in this application form; creation of the database of information about requests of buyers, structured on the basis of the Global Classification of Branches of Economy, Goods and Services and on the basis of other data, included in this application form. The method of searching of trade partners includes a method of searching by sellers in database about requests of buyers, a method of searching by buyers in database about offers of sellers, forming a list of results of search, which has the same structure, as the specified databases; a procedure of interactive or automatic selecting of a needed data from the list of result of search. | 2014-12-18 |
20140372281 | STANDARDIZATION AND MANAGEMENT OF OVER-THE-COUNTER FINANCIAL INSTRUMENTS - A method of managing financial products is disclosed. The method includes receiving transaction parameters associated with a financial transaction, determining a standardized financial product, wherein the standardized financial transaction reflects the transaction parameters associated with the financial position, calculating a net present value position between the financial position and the standardized financial product, and clearing the net present value position through a clearing party. | 2014-12-18 |
20140372282 | System Providing Commodity Price-Move Protection for Small Risk Holders - A system for providing small to medium sized entities commodity price move protection is disclosed. The system may have the steps of receiving information from a client, selecting an appropriate commodity instrument, aggregating the client with other clients, and selecting an appropriate hedge in the event that the instrument provides for more protection than is sought by the aggregated clients and protection for the service provider is desired. | 2014-12-18 |
20140372283 | DISTRIBUTED LOAN UNDERWRITING - In embodiments, methods, storage media, and apparatuses are described that are associated with underwriting of loans. In various embodiments, offers to underwrite a loan may be received by one or more loan underwriters. Assets and/or lines of credit of the loan underwriters may then be encumbered such that, upon a requirement to pay the loan balance to a lender, the loan balance may be automatically taken from these assets and/or lines of credit. Other embodiments may be described and claimed. | 2014-12-18 |
20140372284 | System, Methods, and Computer-Readable Media for Determining an Entity Score Based on User Behaviors Associated with an Entity - Provided are systems, methods, and computer-readable media for determining an entity score based on user behaviors associated with an entity. Various user behaviors are obtained from payment services, location services and other services. The user behaviors are based on payment transactions with an entity, user presences at an entity, and user selections of entity relative to alternative entities. Based on the user behaviors, positive or negative coring signals are determined and used to modify an entity score associated with the entity. | 2014-12-18 |
20140372285 | TRANSACTION TIME MONITORING - To monitor transaction time, a first plurality of events is received. A transaction is associated with the first plurality of events. A time is determined for each event of the first plurality of events in the transaction to occur. An average time is calculated for a second plurality of events to occur based on the time of events in the first plurality of events. The second plurality of events is determined from a plurality of transactions and is based on one or more attributes, and the second plurality of events includes events from the first plurality of events. A standard deviation and a coefficient of variation are calculated for each event in the second plurality of events. | 2014-12-18 |
20140372286 | PLATFORM FOR ENABLING SPONSORED FUNCTIONS OF A COMPUTING DEVICE - Systems, methods, and computer-readable media are described for sponsoring functions of computing devices associated with users. A sponsor may define a sponsorship that includes rules for sponsoring certain functions available to a user via a computing device. The execution of the functions may be facilitated, in some instances, by a service provider that may also specify rules and policies that control the functions. As such, when the user executes one or more of the sponsored functions by way of the computing device, instead of charging the associated cost to the user, the service provider may charge the cost to the sponsor based on the associated rules and policies. | 2014-12-18 |
20140372287 | Method and Apparatus for Subscriber Account Selection - For a given “consumer” having associations with multiple “provider” accounts that are possible targets for charging with respect to a chargeable event involving the consumer, it is advantageously recognized herein that only one or a relative handful of those provider accounts are likely to be actual candidates for charging with respect to any given chargeable event. Correspondingly, a network node maintains provider account status information indicating whether a given provider account is a candidate for charging in a general sense and in a consumer-specific sense. Account information is retrieved only for the provider accounts indicated as actual candidates for charging, meaning that unnecessary data fetching, account locking, and charging reservation mechanisms are avoided for accounts that, while affiliated with the consumer, are not indicated as being actual candidates for charging with respect to the particular consumer and particular chargeable event. | 2014-12-18 |
20140372288 | METHODS AND SYSTEMS FOR ELECTRONIC MONETARY PAYMENTS - Computer-implemented methods and systems enable payers to make monetary payments such as gratuities to payees using third-party payment processing services. Payees are assigned electronically-readable unique identifiers, which they can display to potential payers. Payers scan the unique identifiers using mobile devices such as smart phones and send instructions for making payments through a downloaded application. | 2014-12-18 |
20140372289 | PROCESS, SYSTEM AND COMPUTER PROGRAM PRODUCT FOR ASSET MAINTENANCE - A process, system and computer program product for asset maintenance, performed by an asset management system which evaluates an expected operational life until maintenance on the asset is no longer economical, and determines a frequency and a scope of maintenance work for each asset over the expected remaining life of each asset, determines a cost of maintenance over the expected remaining life of each asset based on the frequency and scope of the maintenance work and operational factors, establishes a first maintenance agreement between an asset maintenance company and an asset owner, and a second maintenance agreement between a maintenance company and operator such that the maintenance agreements include the frequency, scope, and costs of maintenance work. | 2014-12-18 |
20140372290 | Face-to-Face Meeting Facilitation Systems, Methods and Computer-Program Products - Systems, methods and computer-program products are configured to facilitate the in-person (or “face-to-face”) meeting of online dating, social networking, and other Web site users. Such systems, methods, and computer-program products may allow for enhanced user experience (e.g., having their online dating site memberships translate to actual meetings of real people at a specific venue of mutual interest) and lead to more revenue generation opportunities for operators and advertising sponsors of such sites. The systems, methods and computer-program products may allow for the automated facilitation of a meeting among two or more members of an online site, while ensuring agreement by all parties on the details of the meeting itself, such as the venue, the party funding a purchase related to the meeting (e.g., a meal), and the purchase amount. Thus, the parties are ensured of having the face-to-face meeting and the venue is assured of patronage. | 2014-12-18 |
20140372291 | MULTI-PARTY TRANSACTION PAYMENT NETWORK BRIDGE APPARATUS AND METHOD - A system, method, and computer-readable storage medium configured to process financial transactions that traverse an NGO network with an interbank network. | 2014-12-18 |
20140372292 | METHOD AND SYSTEM FOR A PAYMENT TRANSACTION ASSOCIATED WITH A DECLARATION OF INTENT - The present invention relates to a method and a system for initiating and/or conducting a transaction that is associated with at least two corresponding declarations of intent, in particular a payment transaction, between at least two transaction parties via a processing unit ( | 2014-12-18 |
20140372293 | Client App Service on Mobile Network - A system is disclosed for measuring data utilization attributable to use by an application being executed on a mobile device. The system has a server operable to register the application and transmit information to establish a connection between the application and a proxy server. The system also has a proxy server operable to establish a first connection with the application, receive direction to establish a second connection with a target endpoint, establish the second connection between the proxy server and the target endpoint, pass data between the target endpoint and the application using the established connections, and measure the amount of data passed between the target endpoint and the application. | 2014-12-18 |
20140372294 | BILL-PAY INTEGRATION - Apparatus and methods for bill integration are provided. Checks issued by a bill-pay vendor may be integrated into a daily issue file and be presented to a user for review. The review may include selecting one or more check service to be applied to a check. The presenting may including marking checks and images corresponding to items received from a bill-pay vendor. Credit card transactions initiated via a bill-pay vendor may be integrated into the daily issue file. Checks received from the bill-pay vendor may be numbered into a range that is not a user-generated range. Bill-pay integration may include just-in-time funding of payments initiated through the bill-pay vendor. The daily issue file may be accessed via a mobile device, and may be filtered based on an entitlement associated with the mobile device. | 2014-12-18 |
20140372295 | BILL-PAY CHECK IMAGE INTEGRATION - Apparatus and methods for bill integration are provided. Checks issued by a bill-pay vendor may be integrated into a daily issue file and be presented to a user for review. The review may include selecting one or more check service to be applied to a check. The presenting may including marking checks and images corresponding to items received from a bill-pay vendor. Credit card transactions initiated via a bill-pay vendor may be integrated into the daily issue file. Checks received from the bill-pay vendor may be numbered into a range that is not a user-generated range. Bill-pay integration may include just-in-time funding of payments initiated through the bill-pay vendor. The daily issue file may be accessed via a mobile device, and may be filtered based on an entitlement associated with the mobile device. | 2014-12-18 |
20140372296 | DIGITAL IMAGE SHIFTING - Apparatus and methods are provided for viewing a check image and selecting a check service to be applied to a check. Check services may include a pay/return decision. The check images may be presented in a carousel view without pop-up windows. The user may import pre-selected check services such as stop payments. Check images may be marked with a status indicator. The status indicator may correspond to a check service applied to the check or a reconciliation error associated with the check. A user may receive notifications of pending expiration of an applied check service. The user may select and apply a check service at any time during a clearing process of the check. User may search for checks and check images based on the check service applied to the check. Search results may include check images and may be transmitted to a requested location such as via e-mail. | 2014-12-18 |
20140372297 | RELATED PARTY PAYMENT SYSTEM - Systems and methods are disclosed herein which that enable a first party, such as a child, to selected one or more items offered by an online retailer and to send a request to a second party, such as a parent or guardian, to request that the second party purchase the item or items for the first party. The systems and methods provide the second party with the ability to view requests received from the first party, to set limits on the number of requests and the amounts of the requests that the first party may make. The second party may also designate the parties to whom the first party may submit purchase requests. The child may also submit request to one or more non-parental contributors who may contribute money toward the purchase the one or more items for the child. | 2014-12-18 |
20140372298 | COMMUNICATION SYSTEM WITH DIGITAL WALLET HAVING BLANK USER CARD AND RELATED METHODS - A mobile wireless communications device may communicate with a terminal including a first NFC device, the terminal being capable of receiving data from a provisioning server. The mobile wireless communications device may include a housing, a wireless transceiver carried by the housing, a second NFC device carried by the housing, a memory carried by the housing, a display carried by the housing, and a processor carried by the housing and coupled to the wireless transceiver, the second NFC device, the memory, and the display. The processor may be configured to implement a digital wallet including user cards, receive from the terminal, via the second NEC device, a blank user card including user data fields, and fill the user data fields of the blank user card to define a completed user card and send the completed user card to the provisioning server. | 2014-12-18 |
20140372299 | MOBILE WIRELESS COMMUNICATIONS DEVICE HAVING DIGITAL WALLET WITH MULTI-MODE USER CARD AND RELATED METHODS - A mobile wireless communications device may include a housing, a wireless transceiver carried by the housing, a memory carried by the housing, a display carried by the housing, and a processor carried by the housing. The processor may be configured to implement a digital wallet including a multi-mode user card having first and second user interface modes, and selectively change the multi-mode user card from the first user interface mode to the second user interface mode based upon a current location, a current time, or a determined event. The second user interface mode may include one or more of a mapping interface mode, a survey interface mode, or a purchase interface mode. | 2014-12-18 |
20140372300 | SMART CARD ELECTRONIC WALLET SYSTEM - Methods, systems and apparatus for conducting offline transactions utilizing an electronic wallet that includes a reserve purse and a separate received purse. In an embodiment, the process includes a payment device receiving a value for use in conducting offline transactions from an issuer bank computer, and then storing the value in a reserve purse of an electronic wallet. The method also includes receiving a second value from a second payment device, and storing the second value in a received purse of the electronic wallet. The payment device is operable to transmit at least a portion of the value stored in the reserve purse to a merchant device to consummate an offline purchase transaction or to a consumer payment device to consummate an offline payment transaction. The second value can be transferred from the received purse to the reserve purse only when the payment device goes online to an issuer bank. | 2014-12-18 |
20140372301 | Payment Recipient Verification - Methods and systems are provided for sending payments electronically, wherein the user's certainty that the payments are being sent to the correct recipient are substantially enhanced. The user can request information from the recipient to verify the email address or phone number of the recipient. A communication can be sent to the recipient and the communication can request that the recipient send information that verifies the identity of the recipient to the user. For example, the communication can request that the recipient send a picture of the recipient, an audio voice file of the recipient, or a handwriting sample to the user. | 2014-12-18 |
20140372302 | PAYMENT GATEWAY WITH GATEWAY DATABASE - A merchant server includes a payment gateway and a gateway database. The payment gateway receives payment information from a payment page. The payment gateway adjusts an amount to be paid to produce an adjusted amount to be paid. The payment gateway forwards the adjusted amount to a payment processing entity for payment approval. The database includes end user data accessible by an end user identifier generated by the payment gateway using selected items within the payment information. The amount to be paid is adjusted by the payment gateway based on end user data accessed from the gateway database. | 2014-12-18 |
20140372303 | Online Authentication and Payment Service - System and methods of authentication and payment service, comprising an authentication server and a mobile device application. Using this service, a third-party website can utilize a secure and comfortable user sign-in and payment process. Once a user is registered to the service, he can use it to securely and comfortably sign-up, sign-in or make payments to any website which utilizes the service. | 2014-12-18 |
20140372304 | GEO-ENUMERATIVE DEVICEHOLDER AUTHENTICATION - A system, method, and software product are provided for fraud prevention in the field of payment instrument transactions without requiring registration. A computing device receives details of completed payment transactions. A number of recognition IDs are also received indicating locations of geolocation devices. A computing device then flags all received recognition IDs by deviceholder identification for a time period surrounding the completed payment transactions, and defines sets of flagged recognition IDs. The sets of flagged recognition IDs are then compared in generating candidate recognition IDs, which are associated with each payment instrument. Further iterations allow for limiting of the number of recognition IDs associated with each payment instrument. Other embodiments provide for faster matching by only considering recognition IDs from a certain geographic region or presenting time-limited offers to customers to purchase goods at specific merchants and then removing recognition IDs not associated with purchase at a merchant. | 2014-12-18 |
20140372305 | DETECTING UNAUTHORIZED CARD SKIMMERS - In an example embodiment, an automated banking machine that includes an anti-fraud arrangement that can deter effective operation of unauthorized devices attached to the machine. The arrangement allows for the machine's card slot bezel to be frequently exchanged for a differently configured card slot bezel, where the bezel configuration is displayed to a potential user. | 2014-12-18 |
20140372306 | APPARATUS AND METHOD FOR PROVIDING TRANSACTION SECURITY AND/OR ACCOUNT SECURITY - A transaction security apparatus associated with an account holder, including a memory device for storing information regarding a first account of the account holder which is capable of being used in performing a transaction with a counterparty, an input device, data entry device, or receiver, for inputting, entering, or receiving, data or information regarding the counterparty and information regarding an amount of the transaction, wherein the information regarding the counterparty includes information regarding a second account of or associated with the counterparty, a processing device for processing information regarding the transaction using information regarding the first account, information regarding the second account, and the information regarding the amount of the transaction, and further wherein the processing device generates a message containing information for requesting an authorization for the transaction, and a transmitter, wherein the transmitter transmits the message to a transaction authorization processing computer. | 2014-12-18 |
20140372307 | APPARATUS AND METHOD FOR PROVIDING TRANSACTION SECURITY AND/OR ACCOUNT SECURITY - A transaction security apparatus, including a receiver for receiving a first message containing information regarding a transaction involving an account associated with an account holder and information regarding a counterparty in the transaction, wherein the first message contains information regarding the first account, the counterparty, and a transaction amount, and the first message is transmitted from a first communication device associated with the account holder to the receiver via a communication network, a processing device for processing the information contained in the first message, determining whether the transaction is authorized or allowed or not authorized or not allowed, and generating a second message containing information regarding whether the transaction is authorized or allowed or not authorized or not allowed, wherein the second message does not contain information regarding the first account, and a transmitter which transmits the second message to a second communication device associated with the counterparty. | 2014-12-18 |
20140372308 | SYSTEM AND METHOD USING MERCHANT TOKEN - A merchant computer generates a token including a “pay-me” merchant account identifier and transaction data for a transaction conducted by a consumer. The merchant token can be obtained by a mobile communication device and transmitted to a payment processing network along with a device identifier for the mobile communication device and an authentication token provided by the consumer. The payment processing network can authenticate the device using the authentication token, retrieve a consumer account number based on the device identifier, and complete the transaction by pushing money into the merchant “pay-me” account from the consumer account. | 2014-12-18 |
20140372309 | SYSTEM AND APPARATUS FOR TRANSACTION DATA FORMAT AND FUNCTION VERIFICATION - A system for processing transaction data is provided. The system includes a transaction data format system receiving transaction data and generating transaction data format error data, such as when the transaction data is not in compliance with a transaction data format. The system also includes a transaction data rules system receiving the transaction data and generating transaction rule error data, such as when the transaction data is in the proper format but nevertheless violates a rule of one or more financial processing system. | 2014-12-18 |
20140372310 | METHOD AND APPARATUS FOR FACILITATING ONLINE PAYMENT TRANSACTIONS IN A NETWORK-BASED TRANSACTION FACILITY USING MULTIPLE PAYMENT INSTRUMENTS - A method and system for transferring value to a user of a transaction system including receiving from the user a request for value, evaluating the risk involved in providing the value by evaluating information accessible to the transaction system, selectively approving the request for value based on evaluating the risk involved, and distributing the value to the user. The information that is accessible to the transaction system may be stored at the transaction system or separated from the transaction system. The value may include funds, a line of credit, coupons, or gift certificates, and may be distributed over a period of time. The user may be a buyer or a seller. | 2014-12-18 |
20140372311 | APPARATUS AND METHOD FOR PROVIDING TRANSACTION SECURITY AND/OR ACCOUNT SECURITY - A transaction security apparatus, including a memory device for storing information regarding a first account of an account holder capable of being used in performing a transaction with a counterparty, an input or data entry device, or receiver, for inputting, entering, or receiving, data or information regarding the counterparty, an amount of the transaction, and for identifying or facilitating communication with, a counterparty communication device, wherein the information regarding the counterparty includes information regarding an account of the counterparty, a processing device for processing information regarding the transaction, wherein the processing device generates a first message containing information for requesting an authorization for the transaction, a transmitter, which transmits the first message to a transaction authorization processing computer, and a receiver which receives a second message transmitted from the transaction authorization processing computer. The second message contains information regarding whether the transaction is authorized or not authorized. | 2014-12-18 |
20140372312 | APPARATUS AND METHOD FOR PROVIDING TRANSACTION SECURITY AND/OR ACCOUNT SECURITY - An apparatus, including a receiver which receives a first message containing information regarding a transaction involving an account associated with an account holder and information regarding a counterparty involved in the transaction, wherein the first message contains information regarding the first account, the counterparty, and transaction amount, and is transmitted from a first communication device associated with the account holder to the receiver, a processing device or computer which processes the information contained in the first message, identifies or ascertains contact information for or regarding a second communication device associated with the counterparty, determines whether the transaction is authorized or allowed or not authorized or not allowed, and generates a second message containing information regarding whether the transaction is authorized, allowed, not authorized, or not allowed, and does not contain information regarding the first account, and a transmitter, which transmits the second message to the second communication device. | 2014-12-18 |
20140372313 | SYSTEMS AND METHODS FOR MOBILE TRANSACTIONS - In accordance with one or more embodiments of the present disclosure, systems and methods for facilitating financial transactions over a network include communicating with a user via a kiosk device and a mobile communication device over the network. In various implementations, the systems and methods include accessing at least one account related to the user, depositing funds into the account based on a cash deposit request received from the user at the kiosk device, and transferring funds from the account to one or more other accounts, related and/or unrelated to the user, based on a fund transfer request received from the user via the mobile communication device. | 2014-12-18 |
20140372314 | SYSTEM AND METHOD FOR PROCESSING CLOSED LOOP CARDS AT A MERCHANT POINT OF SALE - Disclosed herein are systems, methods, and computer-readable storage media for redeeming a closed loop card/code funded with an amount of money. The system receives, at a merchant, an indication from a consumer of a desire to sell a closed loop account not issued by the merchant and receives a confirmation, via a computing device, of an amount of money in the closed loop account. The system presents the consumer with an offer to buy the closed loop account and receives from the consumer an acceptance of the offer. The system processes the closed loop account to yield a processed closed loop account such as by transferring the account to one of the merchant and an entity and applies a benefit to the consumer based on the processed closed loop account. | 2014-12-18 |
20140372315 | METHOD AND SYSTEM FOR MANAGING DATA AND ENABLING PAYMENT TRANSACTIONS BETWEEN MULTIPLE ENTITIES - A system for conducting payment transaction includes a network-enabled server that communicates with one or more user devices, other network-enabled server computers, and a payment processing network server computer. The network-enabled server facilitates transactions between one or more merchants and users by a managing data flow and interactions between the merchants and the users, providing storage area for storing of all transaction related documents, and providing seamless integration with a payment processing network for payment processing. | 2014-12-18 |
20140372316 | SYSTEM TO INFORM ABOUT TRADEMARKS SIMILAR TO PROVIDED INPUT - Various embodiments of the present invention generally relate to trademark searching and notification systems. More specifically, various embodiments of the present invention relate to systems and methods for informing requesters about trademarks similar to a provided input. Some embodiments of the present invention provide for a proactive system in which users are notified of similar trademarks before using specific term(s) and users proceed after understanding which trademarks actually exist and what areas those trademarks actually entail, and possibly being notified of newly applied trademarks and modified trademarks at later times that are similar to the specific term(s) being used. | 2014-12-18 |
20140372317 | CONTENT DATA DISTRIBUTION SYSTEM, ON-VEHICLE APPARATUS, SERVER, COMMUNICATION TERMINAL, AND LICENSE ISSUING METHOD - An on-vehicle apparatus transmits first license request information to content to be purchased, to a server, and receives content data, to which a first license issued by the server based on the first license request information is added, from the server. The server transmits the content data, to which the first license is added based on the first license request information, to the on-vehicle apparatus, transmits second license request urging information to a communication terminal based on driving end notification information, and issues a second license to the content data based on the second license request information. The communication terminal transmits driving end notification information to the server based on determination that driving of a vehicle having the on-vehicle apparatus mounted thereon is ended, and transmits second license request information according to the second license request urging information to the server. | 2014-12-18 |
20140372318 | SYSTEMS AND METHODS FOR PAYMENT PROCESSING ON PLATFORMS - Systems and methods for payment processing on devices are provided. Such systems and methods enable payment processing to be completed with a peripheral device (such as a magnetic card reader) and a point of sales system, without the need for extensive developer integration. The system receives a payment charge amount from a point of sales system. The system also detects (or dynamically populates) peripheral devices that are used to capture account information. The peripheral device is a supported device type with an associated library, which includes data for properly interfacing with the peripheral device. The system provides the captured account data, a merchant ID and the amount of the charge to a payment management system. The system likewise receives a response (approve or decline) from the payment management system. | 2014-12-18 |
20140372319 | METHODS AND APPARATUS FOR BROKERING A TRANSACTION - Methods of brokering a transaction between a first party and a second party with a trusted transaction server (TTS) and apparatus therefor. In an aspect, the method includes receiving at the TTS a request for a brokered transaction from the first party over a first communication channel and authenticating the identity of the first party with the TTS. The TTS stores a transaction code with at least some transaction details received from the first party. The TTS receives a message containing the transaction code from the second party over a second communication channel and matches the transaction code with the stored transaction details. The TTS sends a request for authorization for brokering the transaction to the second party. The TTS then authenticates the identity of the second party by way of a secret code and brokers the transaction. | 2014-12-18 |
20140372320 | SYSTEMS AND METHODS FOR EMV CHIP AND PIN PAYMENTS - In transactions between a consumer and a merchant (or other third party) using services of a payment provider (e.g., credit card company, or financial services provider), methods and systems are provided for enabling any third party to accept chip and PIN payment and payment provider services using a payment provider device that is enabled using the third party's own application (referred to herein as “app”) and not the app of the payment provider. Enabling a merchant to accept chip and PIN payments usually requires the merchant to certify (accredit) their application (e.g., a point-of-sale (POS) system) end to end with the payment providers (e.g., Visa, MasterCard). A software development kit (SDK) modification to the application allows the merchant to accept chip and PIN cards the without the need to certify the application. The SDK includes the functionality that needs to be certified, and certifies it once with a service provider. | 2014-12-18 |
20140372321 | SECURE AUTHENTICATION BETWEEN MULTIPLE PARTIES - Systems and methods are disclosed herein to allow a party to a multiple-party transaction to perform authentications using identification information received from another party while allowing the party generating the identification information to maintain confidentiality of information. A user may enter an access code to identify the user to a first party that will be generating identification information to a second party in the transaction. The access code may be entered without requiring the entry of an alphanumeric PIN (Personal Identification Number). The first party may convert the access code to a second code for transmission to the second party so that the access code is not revealed to the second party. The second party may use the second code to authenticate the user, to authenticate a payment transaction or other types of communications from the user or the first party. Thus, parties in a multiple-party transaction may perform authentications while maintaining the confidentiality of information. | 2014-12-18 |
20140372322 | REGISTERED TOKENS FOR SECURE TRANSACTION MANAGEMENT - Methods, systems, and devices for secure transaction management are provided. Embodiments include a method for providing secure transactions that include receiving an identifier of a financial account at a payment processor system. A token may be generated that is linked with the identifier of the financial account at the payment processor system. The identifier of the financial account and the token may be stored securely at the payment processor system. The token may be transmitted without the identifier of the financial account to at least a recipient system or a recipient device where the token replaces the identifier of the financial account. | 2014-12-18 |
20140372323 | SYSTEM AND METHOD FOR CONVERSION BETWEEN INTERNET AND NON-INTERNET BASED TRANSACTIONS - A method is provided for completing an authenticated commercial transaction over an internet protocol (IP) network ( | 2014-12-18 |
20140372324 | LONG TERM WORKFLOW MANAGEMENT - A workflow may be moved from one provider to another provider by extracting the metadata from an executing workflow describing the workflow state as part of dehydrating the workflow, and transferring the metadata to a second workflow and rehydrating the workflow at a second provider. An automated workflow manager may determine when to move the workflow and may facilitate moving with or without human intervention. When a workflow is moved from one provider to another, the workflow state may be moved without transferring executable code that executes the workflow. | 2014-12-18 |
20140372325 | SYSTEM, METHOD AND COMPUTER PROGRAM PRODUCT FOR REGISTERING PRODUCTS AND PROMOTING CUSTOMER RELATIONSHIPS - Regarding a product that is provided by a provider and received by a recipient, registration of the product and following-up with the recipient may be facilitated by way of web-based, symbology-driven product registration systems and methods. | 2014-12-18 |
20140372326 | PATENT ANALYZER - Systems and methods are disclosed to analyze a patent document by identifying at least one element and relationship to other element(s) in a figure; analyzing text description of the element and relationship to other element(s); generating a user manipulable claim data structure including elements in a potential claim; and displaying a relationship between claims and showing the claims as one or more text nodes. | 2014-12-18 |
20140372327 | MECHANISM FOR VERIFYING THE AUTHENTICITY OF A PRODUCT - The authenticity of a product associated with a host device is verified through a process. The product contains, in segments of a non-volatile memory, several different functions stored in ciphered fashion. The process involves, in a first phase, the sending by the host device of a control signal for executing a function, with the product functioning to decipher the function and store the unciphered function in the non-volatile memory. The process further involves, in a second phase, the sending by the host device of a control signal for causing execution of the deciphered function, with the product functioning to execute the function and send a result of this execution back to the host device. The host device evaluates the received result to verify product authenticity. | 2014-12-18 |
20140372328 | METHODS AND APPARATUS HAVING APPLICABILITY TO SUCCESSION PLANNING - Techniques having applicability to succession planning may include providing an option, in a computer-implemented professional networking platform, for a first member of a professional community to designate a second member of the professional community as deserving of promotion. In response to the designation, a nomination may be received from the first member, via the computer-implemented professional networking platform, of a third member of the professional community as a potential successor for the second member. Further techniques may include receiving, from an employee, information about the employee's professional characteristics, and presenting the information to human resources (HR) personnel. One or more automated similarity algorithms may be applied to identify, based on the information about the employee's professional characteristics, information likely to be of interest to the employee, which may be provided to the employee in return for the information about the employee's professional characteristics. | 2014-12-18 |
20140372329 | AUTOMATED SOURCING AND SCREENING OF CANDIDATE PROFILES - Various embodiments of systems and methods for automatically sourcing and screening candidate profiles are described herein. The method involves receiving authorization from a participant to access the participant's account on a social networking system. Further, the profiles corresponding to the one or more candidates connected to the participant in the social networking system are extracted and scored according to a degree of match between the profile data associated with each extracted profile and a candidate search data. The candidate search data defines a set of criteria qualifying a candidate for a particular job position. In another aspect, the extracted profiles are ranked based on the scores assigned to each of the extracted profiles and a feedback form is sent to a participant in response to receiving a selection of a profile associated with the participant. | 2014-12-18 |
20140372330 | SOCIAL NETWORK USER INFORMATION ASSOCIATION METHOD AND DEVICE - The present invention discloses a social network user information association method and apparatus. Personal information of a friend in a user social network is associated with a local contact list of a user terminal, and the association comprises: establishing, in a user terminal, a correspondence relationship between a record of contact in the local contact list and personal information of the contact in one or more social networks. With the method and the apparatus of the present invention, a user can also conveniently use the user information and personal information of a friend of MSN or IM and so on, without logging in to MSN or IM. | 2014-12-18 |
20140372331 | METHODS AND APPARATUS HAVING APPLICABILITY TO SUCCESSION PLANNING - Techniques having applicability to succession planning may include providing an option, in a computer-implemented professional networking platform, for a first member of a professional community to designate a second member of the professional community as deserving of promotion. In response to the designation, a nomination may be received from the first member, via the computer-implemented professional networking platform, of a third member of the professional community as a potential successor for the second member. Further techniques may include receiving, from an employee, information about the employee's professional characteristics, and presenting the information to human resources (HR) personnel. One or more automated similarity algorithms may be applied to identify, based on the information about the employee's professional characteristics, information likely to be of interest to the employee, which may be provided to the employee in return for the information about the employee's professional characteristics. | 2014-12-18 |
20140372332 | SYSTEM AND METHOD FOR EVALUATING JOB CANDIDATES - Human resource system for collecting and analyzing survey data from reference providers identified by a job candidate for use by an employer. The system sends an electronic communication to the reference providers to request completion of survey questions and electronically receives the survey data from the reference providers, preferably through webpages. An analysis module combines the received survey data from the reference providers and generates a confidential candidate report for an employer which excludes identification of any ratings or comments by any reference providers. The system also generates customized interview probe questions for use during job interviews and coaching tactics for use after the hiring, based on the weak areas that have been identified from the completed surveys in order to assist the hiring manager to bring the new hires up to speed quickly and effectively. | 2014-12-18 |
20140372333 | SYSTEM AND METHOD FOR EVALUATING JOB CANDIDATES - Human resource system for collecting and analyzing survey data from reference providers identified by a job candidate for use by an employer. The system sends an electronic communication to the reference providers to request completion of survey questions and electronically receives the survey data from the reference providers, preferably through webpages. An analysis module combines the received survey data from the reference providers and generates a confidential candidate report for an employer which excludes identification of any ratings or comments by any reference providers. The system also generates customized interview probe questions for use during job interviews and coaching tactics for use after the hiring, based on the weak areas that have been identified from the completed surveys in order to assist the hiring manager to bring the new hires up to speed quickly and effectively. | 2014-12-18 |
20140372334 | SYSTEM AND METHOD FOR ANONYMOUS MAILING OR SHIPPING SERVICES - A method and apparatus for sending a an item via mailing or shipping process to a destination mailing address without the sender of the item obtaining any identifiable information about the recipient of the item. The process also allows the user with the ability to provide unidentifiable information to third party mailing or courier/shipping services. The system and method safeguards personal information about recipients of items. The process involves leveraging a waypoint processing facility and the assignment of unique codes for the final destination locations. The waypoint processing facility is responsible for receiving items mailed or shipped from the original sender, looking up the unique anonymous code provided by the anonymous address to obtain the appropriate final destination address assigned to the code, and sending the item to the final destination address. | 2014-12-18 |
20140372335 | Cooperative Path Tracking - An approach is provided in which a tracking device is attached to an object and receives nearby object routes from multiple nearby tracking devices, each attached to respective nearby objects. The tracking device compares an expected route corresponding to the object with the received nearby object routes to determine whether the object is being transported along the expected route. When the tracking device determines that the object has been incorrectly routed, the tracking device generates a notification. | 2014-12-18 |
20140372336 | USER EXPERIENCE FOR APPROVING DOCUMENTS - Pending approvals in a computer system are aggregated from various parts of the computer system and presented to a user. Each pending approval includes contextual information and a user input mechanism to approve or reject the pending approval. | 2014-12-18 |
20140372337 | SYSTEM AND METHOD FOR REPUTATION SCORING - The present invention generally relates to online reputations. Specifically, this invention relates to a system and method for analyzing, determining, reporting and modifying an online reputation of a business, professional or individual. The online reputation of a business, professional or individual being comprised of a numeric value, calculated at least in part on positive reviews of the business, professional or individual, negative reviews of the business, professional or individual and the types of websites the positive or negative reviews reside upon. | 2014-12-18 |
20140372338 | SYSTEMS AND METHODS FOR RECOMMENDING MERCHANTS TO A CONSUMER - The disclosed embodiments include systems and methods for generating merchant recommendations for a user. In one embodiment, the disclosed embodiments may include one or more memory devices storing software instructions and one or more processors configured to execute the software instructions to perform operations consistent with the disclosed embodiments. In one aspect, the one or more processors may be configured to receive consumer transaction data associated with a plurality of consumer purchases from at least one data source and store the received consumer transaction data in the one or more memory devices. In another embodiment, the one or more processors may be configured to identify a plurality of merchant recommendations based on the stored consumer transaction data and one or more attributes associated with each of a plurality of merchants. The processor(s) may also be configured to generate corresponding recommendation scores for each of the identified plurality of merchant recommendations based on one or more recommendation models. The one or more processors may further provide the plurality of merchant recommendations and corresponding recommendation scores to the user. | 2014-12-18 |
20140372339 | METHODS AND SYSTEMS FOR OPTIMIZING PROFITABILITY OF A PRINT PRODUCTION ENVIRONMENT - A method of determining a maximum profit for a print production environment may include receiving, by a computing device, a flow model associated with a print production environment, applying, by the computing device, a modified Jackson Network analysis to the flow model to generate one more characteristic curves that each characterize a relationship between profit of the print production environment and job inflow rate and that each show a maximum profit value for the print production environment, and presenting, by the computing device, one or more of the generated characteristic curves to a user. | 2014-12-18 |
20140372340 | FINANCIAL WELLNESS SCORING TOOL - Embodiments of the invention provide for systems, computer program products, and methods for a financial plan wellness tool that provides an overview of the financial well-being of financial plan participates (e.g., employees of an institution participating in a retirement plan, clients participating in a retirement plan, or the like) based on whether or not they are exhibiting behaviors in the financial plan that may lead to retirement success. The financial plan wellness tool creates a wellness score for plan participants based on the behaviors the participants are taking with respect to their retirement accounts. The financial plan wellness tool provides a report to an institution that shows aggregated wellness scores and aggregated metrics illustrating the well-being of plan participants based on the participants that utilize an advice service, trends of the plan participates over time, and comparisons against plan participates of other institutions. | 2014-12-18 |
20140372341 | WELLNESS SEGMENTATION TOOL - Embodiments of the invention provide for systems, computer program products, and methods for a financial wellness segmentation tool that allows a user to create customized wellness segmentation reports in order to segment the wellness metrics of plan participants in one or more retirement accounts into customized groups for additional analysis. The wellness segmentation tool searches the underlying data related to individual wellness scores, wellness metrics, retirement accounts, and participant information, and creates customized wellness segmentation reports for the user based on one or more retirement plans, selection criteria, and data points selected by the user. In this way, a user may create customized wellness segmentation reports that allow the institution to receive specific information about the participants in order to adjust investment options, retirement account benefits, or targeted communication or education for specifically identified plan participants. | 2014-12-18 |
20140372342 | SYSTEM AND METHOD FOR AUTOMATED MARKET MAKING - Method and systems for design and operation of a prediction market. A plurality of security bundles and a plurality of payoff vectors may be defined, such that each payoff vector in the plurality of payoff vectors is associated with at least one outcome in a plurality of outcomes. A prediction market engine may be provided for determining a price for each security bundle in the plurality of security bundles by using at least one processor to minimize a convex function over a convex set comprising a convex hull of the plurality of payoff vectors. | 2014-12-18 |
20140372343 | ORDER GRID HIGHLIGHTING - Systems, methods and user interfaces are provided for order matrix management and highlighting. Market data may be arranged in a matrix where the market data may be highlighted and/or otherwise presented to provide further information to a user. In some cases a computer system may include a computer-readable medium containing computer-executable instructions that, when executed by one or more processors, cause a computing device to receive market data for a financial instrument. The computer system may further process instructions to identify pending orders that may result in a cross trade, such as with trades entered by a trader or between members of a same business organization. The computer system may further process instructions that cause the computer system to generate a user interface that highlights which of the pending orders that may result in a cross trade. | 2014-12-18 |
20140372344 | Adaptive User Interfaces - According to various embodiments, user performance and/or motivation for a computing system may be maximized by optimizing one or more target components of a user interface of the computing system. The target components may be aspects of the user interface that is perceived by the user. One or more input features and one or more output features may be identified, and data regarding these input and output features may be gathered. This data may be compared with the results generated by a set of candidate artificial intelligence algorithms to determine which of them provides the best fit with the data collected. Then, the selected artificial intelligence algorithm may be applied to the user interface to iteratively change the target components over time until the optimal settings for each user are discovered. | 2014-12-18 |
20140372345 | CONTEXTUAL PREDICTION OF USER WORDS AND USER ACTIONS - An operating sequence for a handheld computing device manages the device to automatically detect cues describing the device's environmental and user actions performed with the device, learn which cues and cue combinations are relevant to predict user actions, and then in response to occurrence of the relevant cues, predictively implementing the appropriate user action or configuring the device in anticipation of user action. | 2014-12-18 |
20140372346 | DATA INTELLIGENCE USING MACHINE LEARNING - Apparatuses, systems, methods, and computer program products are presented for performing data analytics using machine learning. An unsupervised learning module is configured to assemble an unstructured data set into multiple versions of an organized data set. A supervised learning module is configured to generate one or more machine learning ensembles based on each version of multiple versions of an organized data set and to determine which machine learning ensemble exhibits a highest predictive performance. | 2014-12-18 |
20140372347 | METHODS AND SYSTEMS FOR IDENTIFYING ACTION FOR RESPONDING TO ANOMALY IN CLOUD COMPUTING SYSTEM - Methods performed by a physical computing system include automatically identifying, using at least one trained classifier, an action for responding to an anomaly in the execution of the application in a cloud computing system. The at least one trained classifier relates a metrics set to a result of performing an action for addressing an anomaly. Systems and computer readable media are also described herein. | 2014-12-18 |
20140372348 | REAL-TIME ANOMALY DETECTION OF CROWD BEHAVIOR USING MULTI-SENSOR INFORMATION - The present disclosure includes systems and methods for detecting an anomaly in crowd behavior. The method includes receiving sensor data representing a crowd, and partitioning the sensor data into local areas forming neighborhoods. The method further includes, for each local area, characterizing motion in the local area to determine real-time estimates of motion of sub-populations based on the sensor data, providing a crowd model for each local area, representing continuous functions describing expected motion near each local area, and determining parametric values of the crowd model based on the real-time estimates of the motion of the sub-populations. The method further includes learning and adapting auxiliary stochastic models characterizing normal evolution of the parametric values of the crowd model over time associated with each local area, and identifying a potential anomaly associated with the local area by comparing predictions from an auxiliary stochastic model with parametric values of the crowd model. | 2014-12-18 |
20140372349 | METHOD OF MACHINE LEARNING CLASSES OF SEARCH QUERIES - A computer-implemented method of determining search intent, comprises: receiving a search query; searching content across a plurality of content classes using the search query, so as to obtain a plurality of search results; deriving summary data from the search results; applying the summary data to a trained machine learning model; and determining from the machine learning model a selected one of the content classes corresponding to the search intent of the search query. | 2014-12-18 |
20140372350 | System, A Method and a Computer Program Product for Performance Assessment - A system, a computerized method, and a computerized service center for classification of items based on their attributes and on a classification scheme that is defined based on information pertaining to each item of a set of items, and which is indicative of: (a) a quantity of occurrences of the item in a sample; (b) a quantity of successful occurrences of the item in the sample; and (c) at least one attribute of the item with regard to at least one variable out of a set of variables. | 2014-12-18 |