52nd week of 2012 patent applcation highlights part 62 |
Patent application number | Title | Published |
20120330726 | SOLID PHASE BIOMASS CARBON STORAGE (SPBCS) - A computerized method of using a data processor having a memory to account for carbon flows and determine a regulatory value for a biofuel includes (i) storing, in memory, a first set of one or more carbon flow values characterizing the production and use of a biofuel, wherein the biofuel is derived from a first fraction of an agricultural biomass, (ii) storing, in memory, a second set of one or more carbon flow values characterizing the sequestration of solid phase biomass carbon, wherein the solid phase biomass carbon is derived from a second fraction of the agricultural biomass and wherein the sequestration mitigates anthropogenic greenhouse gas emission, and (iii) calculating, using the data processor, a regulatory value for the biofuel from the first and second sets of carbon flow values. | 2012-12-27 |
20120330727 | AGENT SECURITY VIA APPROXIMATE SOLVERS - Efficient heuristic methods are described for approximating the optimal leader strategy for security domains where threats come from unknown adversaries. These problems can be modeled as Bayes-Stackelberg games. An embodiment of the heuristic method can include defining a patrolling or security domain problem as a mixed-integer quadratic program. The mixed-integer quadratic program can be converted to a mixed-integer linear program. For a single follower (e.g., robber or terrorist) scenario, the mixed-integer linear program can be solved, subject to appropriate constraints. For embodiments applicable to multiple follower situations, the relevant mixed-integer quadratic program and related mixed-integer linear program can be decomposed, e.g., by changing the response function for the follower from a pure strategy to a weighted combination over various pure follower strategies where the weights are probabilities of occurrence of each of the follower types. | 2012-12-27 |
20120330728 | DYNAMIC BUSINESS PERFORMANCE TAGGING AND MONITORING - A business performance tagging module system and its operations are described herein. In some embodiments, the operations can include detecting an event associated with business-related content and evaluating the business-related content against a plurality of tags associated with a plurality of key performance indicators responsive to said detecting the event associated with the business-related content. The operations can further include determining that a set of the plurality of tags corresponds to the business-related content based, at least in part, on said evaluating the business-related content against the plurality of tags, and selecting a set of the plurality of key performance indicators associated with the set of the plurality of tags. The operations can further include presenting computational representations of the set of the plurality of key performance indicators via a user interface responsive to said selecting the set of the plurality of key performance indicators. | 2012-12-27 |
20120330729 | ENGINE, SYSTEM AND METHOD OF PROVIDING BUSINESS VALUATION AND DATABASE SERVICES USING ALTERNATIVE PAYMENT ARRANGEMENTS - A computer-implemented engine, system and method for generating business valuations, scoring, and/or flagging over a network, responsively to information input by a user remote from the engine, system and method. The invention may include a graphical user interface capable of locally querying a user to input the company information, at least one network port capable of remotely receiving the company information from the graphical user interface, and at least one engine communicatively connected to the at least one network port, which engine preferably includes a plurality of rules to generate, responsively to the input company information, at least one of a business valuation, a business score, and/or one or more business flags to be used as indicators in a network marketplace, for the company associated with the inputted company information. | 2012-12-27 |
20120330730 | Method and Apparatus for Modeling a Client Service Journey - A method and apparatus is presented for generating an optimized client service journey. The method comprises modeling a scope of a client service, wherein said resulting model is a present client service journey, identifying at least one improvement opportunity, identifying at least one action to implement said improvement opportunity, and transforming using said at least one action, the present client service journey into the optimized client service journey. | 2012-12-27 |
20120330731 | System and Method for Processing Vote-By-Mail Ballot Envelopes - A system and method for processing vote-by-mail ballot envelopes is disclosed. The system comprises a processor operable to asynchronously process each of a plurality of ballot envelopes by (i) verifying that the registered voter associated with the ballot envelope is eligible to vote, (ii) verifying that a signature written on the ballot envelope corresponds to the signature of the registered voter, (iii) verifying that personal information written on the ballot envelope corresponds to the personal information of the registered voter, and (iv) generating batch information if the ballot envelope passes all of the verification steps or exception information if the ballot envelope fails any one of the verification steps. The system also comprises a storage device operable to store the batch information or exception information, as applicable, for each of the ballot envelopes. | 2012-12-27 |
20120330732 | MOBILIZED POLLING STATION - A mobilized polling station is deployable for voting in remote locations. The mobilized polling station includes a mobile polling server that stores a voter registration depository identifying potential voters and a ballot repository of blank ballots for the potential voters. Various client devices, such as smart phones, tablets computers, connect to the mobile polling server for voters to enter their credentials, receive the appropriate ballots, and cast their votes. The cast votes are collected by the mobile polling server and then provided to an election center for counting. Versions of mobilized polling station can operate with limited or no power and communications infrastructure. | 2012-12-27 |
20120330733 | AUTHENTICATED INFORMATION EXCHANGE - An authenticated information exchange for creating value in an agricultural producers' information, the exchange including an electronic information storage vault, an authentication protocol, at least one proprietary GIS layer, including a standard land unit, geo-referencing capabilities, gatekeeping programs, and an error resolution protocol. | 2012-12-27 |
20120330734 | System and Method for Event Context-Based Commerce Options - There is provided a system and method for providing context-based limited availability commerce options. There is provided a method comprising receiving a sensor data sample corresponding to a segment for an event, matching the sensor data sample to a media record in a media database, the media record including an identity of the event, generating an advertising campaign of limited availability commerce options using a context including the identity of the event and a location of a device, and presenting the advertising campaign on a display of the device. When the event corresponds to a theatrical movie showing, the segment may correspond to the first few measures of a song for an end credit roll, and the sensor data sample may be recorded from a microphone. The commerce options may be limited based on time, location, demographics, user or group participation, and other criteria.. | 2012-12-27 |
20120330735 | ANALYTICS SYSTEM AND METHOD FOR MONITORING AND FACILITATING PROMOTION DISTRIBUTION - An analytics system for monitoring consumer interactions with promotional activities provides incentives to further distribution of a merchant's promotions. The analytics system may distribute one or more promotions to consumers electronically directly or indirectly. A promotion distribution system may be provided to transmit promotions from merchants to users and from users to other users. An activity monitor may be provided to monitor promotion redemption activity. If a promotion shared by one user is redeemed by another, the sharing user may be rewarded to encourage user distribution of promotions. | 2012-12-27 |
20120330736 | System and Method of Gifting, Gift Sharing, and Gift Redemption - A system configured to promote goods and/or services from a business to a user via a network and an interface device of the user. The system provides a method to offer a gift from the business to the user, allow the user to transfer or share the gift with another user, and allow the user to redeem the gift at the business. The system also provides a method to obtain and transmit information related to the user to the merchant. | 2012-12-27 |
20120330737 | DISRUPTIVELY PRICED OR FREE FINANCIAL SERVICES OR ITEMS IN EXCHANGE FOR PARTICIPATION IN OPT IN ADVERTISING - Embodiments are directed to providing disruptively priced or free financial services or goods in exchange for participation in opt-in advertising. A user may opt-in to receive some form of advertising on his or her phone. The advertising may appear in a mobile wallet application used to pay for goods or services. The advertising may be related to products the user has previously purchased using the mobile wallet application. An electronic payment system that provides the mobile wallet application tracks and stores items that the user purchases using the mobile wallet. The electronic payment system then analyzes the user's purchasing habits to identify advertisements and/or promotions that may be of interest to the user. The promotions (such as coupons) may then be sent to the user's mobile wallet application and applied automatically when the user purchases that item using the mobile wallet. | 2012-12-27 |
20120330738 | System and Methods for Purchasing Services - A service provider system enables a subscriber to purchase services over a network from a service provider for the benefit of third parties located in different locations. The service provider system provides service flexibility by allowing parameters to be set, such as place and time of service delivery. Further, conditions allowing third-party recipients to change service parameters include delivery time and place, exchange of purchased service for another service, return of the purchased service, etc. Reporting options to both the subscriber and the third party can additionally be provided. Reporting messages or notifications may be sent to the purchasing subscriber to indicate which of the third parties had taken advantage of the purchased service, when and where the service was consumed, and/or what the actual cost of delivering the service was. The service provider system can also provide incentives for third parties to take advantage of the purchased service. | 2012-12-27 |
20120330739 | POINT ASSIGNMENT - A server includes a database that stores, in association with user identification information for identifying the user who purchases or uses goods or services, the number of points that are assigned to the user according to the purchased or used goods or services and that can be used to purchase goods or services. The server divides the points stored in association with the user identification information into user's own points that only the user can use; and other's points that other users other than the user can use, before storing the points in the database. | 2012-12-27 |
20120330740 | REAL-TIME PLAYER TRACKING - Some implementations of the invention provide methods, devices and systems for acquiring patron data in real time. A plurality of networked cameras may be used to acquire information regarding casino patrons. The cameras may include “smart cameras” having an integrated machine vision system. The real-time information may be used to populate one or more databases of a player loyalty program. Patron information may also be used to determine trends associated with patron demographics, with levels of a player loyalty program, etc. Some implementations of the invention involve monitoring patron event data and determining when predetermined events of interest occur. When a defined event occurs, patron data relating to the associated patron may be monitored, analyzed and used to populate one or more player loyalty databases. In some implementations, patron data acquired prior to the time of the defined event may also be analyzed and used. | 2012-12-27 |
20120330741 | PROMOTION SYSTEM AND METHOD - Provided is a method for providing a promotional instrument. The method includes determining a number and/or value of promotional instruments purchased and assigning, by a promotion system, a promotional incentive based at least in part on the number and/or value of promotional instruments purchased. | 2012-12-27 |
20120330742 | System and method to combine redemption and converted commercial fares - In one aspect thereof the exemplary embodiments provide a computer-implemented method that includes, in response to a request to redeem customer award units, processing data representing at least one commercial fare in conjunction with data representing at least one conversion rule so as to generate at least one converted redemption fare. The method further includes operating on the at least one converted redemption fare with a faring engine to output at least one travel solution calculated in award units. | 2012-12-27 |
20120330743 | METHOD AND A SYSTEM FOR PROVIDING A SERVICE TRANSACTION FOR A MOBILE DEVICE - A method for providing a service transaction for a mobile device of a user at a point of sale (POS) of a supplier, wherein | 2012-12-27 |
20120330744 | Real-Time Multi-Merchant Multi-Payer Multi-Bucket Open Loop Debit Card, Credit Card or Mobile Payment Device Value Tracking and Discount Processing Systems and Related Methods - A system for receiving a real-time discount with an open loop debit card, credit card or mobile payment device in a multi-merchant, multi-payer commercial environment. The system has a plurality of buckets with information concerning discounts currently available, a point of sale (POS) device initiates a transaction, a financial processor transmits a query to an account issuing bank to determine whether the payer has sufficient funds for the transaction, the issuing bank communicates with the discount system in real time to determine if a discount is available, if a discount is available, the issuing bank borrows the amount of the discount by from an issuing bank discount reserve pooled (IBDRP) account and the issuing bank credits the payer's account in real time with the amount of the discount. | 2012-12-27 |
20120330745 | PROMOTION SYSTEM SUPPORTING SELLER PREMISES TRANSACTION COMPLETION - An online sales/automatic rebate and coupon redemption system provides online customers automatic retrieval and redemption of all applicable rebates and coupons during purchase. Purchase orders from customers are selectively fulfilled and products are shipped to the customers either by the system for online sales with automatic rebate and coupon redemption or by other merchant or manufacturer environments. The system purchases from merchants using applicable coupons and rebates and then sells the products to the customers, passing the savings to them. The system makes it possible to automatically retrieve coupons and rebates for items in a shopping cart during the activity of an online purchase at an electronic mall or an online merchant site. The system provides coupons to potential customers via email, based on customer profile, geographical information, etc. Manufacturers and merchants can update coupon value and content based on ongoing sales and volume of customer activity. | 2012-12-27 |
20120330746 | ANALYTICS SYSTEM AND METHOD FOR MONITORING CONSUMER INTERACTION WITH MERCHANT PROMOTIONAL ACTIVITIES - An analytics system for monitoring consumer interactions with promotional activities provides rapid feedback to merchants engaging in promotional activity to increase consumer traffic, purchases, and knowledge with regard to the merchants' businesses. The analytics system may distribute one or more promotions to consumers electronically. An activity monitor of the analytics system may monitor and collect information regarding consumer interactions or activities surrounding the promotions. For example, the viewing, sharing, or redemption of particular promotions on a consumer's mobile or other device may be collected. This information may then be used to provide feedback to merchants regarding the results, success, or lack thereof of one or more of their promotions. | 2012-12-27 |
20120330747 | METHOD AND APPARATUS FOR GENERATING GEO-TARGETED MESSAGE WITH SEARCH RESULTS - Method and apparatus for generating a geo-targeted message with search results are disclosed. The method and apparatus allow client entities to present target messages to computer user recipients by providing geo-targeted messaging that provides search results to computer users along with a geo-targeted message. Client entities lease words based on specified geo-target criteria on specified platforms. Users initialize the apparatus and can perform word searches utilizing the method and apparatus where the word may be a client's leased word that is associated to the user's geographic profile. Thus, the user is provided a geo-targeted message along with search results and the client is able to effectively communicate a message to targeted recipients. | 2012-12-27 |
20120330748 | UNIVERSALLY TARGETING ONLINE ADVERTISEMENTS - Systems, methods, and computer-readable media for communicating advertisement preferences configured by users to a plurality of network domains that serve advertisements are provided. Users input their preferences with respect to advertisement targeting through a common interface and those preferences are communicated to a plurality of network domains in conjunction with requests for advertisements. In this way, users do not have to submit their preferences for advertisement targeting independently for each network domain that serves advertisements and advertisement-serving network domains have a decreased risk of having outdated or incomplete advertisement targeting information. | 2012-12-27 |
20120330749 | SYSTEM, METHOD AND COMPUTER PROGRAM PRODUCT FOR MANAGING DIGITAL PROMOTIONAL CONTENT WITH PERSONALIZED USER CONTROL - Embodiments disclosed herein provide new ways for a user to interact, bookmark, store and categorize digital advertising and share specific advertisements and offers with friends. A personal storage and management application, accessible by the user via any Internet-enabled device, can provide the user with an ability to manage and control various types of advertising data received from advertisers as well as personal data available to the advertisers. In one embodiment, the user can collect multiple Internet advertising campaigns and offers, which are categorized and stored into relevant categories for future access and usage. This ability can be beneficial to advertisers as increased engagement with end users can increase the value of advertisement to the advertising industry. It also gives advertisers an effective way of tracking and collecting information about a user based on what the user is willing to provide, creating a one to one relationship with the user. | 2012-12-27 |
20120330750 | METHODS AND SYSTEMS FOR MOBILE COUPON PLACEMENT - A system for targeting mobile coupon placement on a mobile communication facility includes performing the steps of: (a) receiving a navigation request from the mobile communication facility operated by a user, wherein the navigation request comprises an action by the user with the mobile communication facility; (b) receiving information corresponding to a location of the mobile communication facility; (c) receiving information corresponding to a rendering capability of the mobile communication facility; (d) selecting a sponsored mobile coupon based at least in part on a relevance between the navigation request, the location, the rendering capability of the mobile communication facility, and a mobile subscriber characteristic or usage history characteristic; and (e) transmitting the sponsored mobile coupon to the mobile communication facility for display thereon. | 2012-12-27 |
20120330751 | CRM SYSTEM FOR ENHANCED RETENTION OF CUSTOMERS - Customer relationship management (CRM) system for enhanced retention of customers of a business entity. In one embodiment, a historical data corresponding to a customer is maintained in the CRM system, with the historical data including information on prior interactions between the customer and the business entity. On receiving a call from the customer, the historical data is identified and an attrition risk (indicating the probability of retaining the customer) is computed based on the identified data. Different offers based on the computed attrition risk are then determined and communicated to the customer during the call. | 2012-12-27 |
20120330752 | SEARCH WORD LINK ADVERTISEMENT SYSTEM, METHOD FOR OPTIMIZING MATCHING PERIOD THEROF AND COMPUTER READABLE RECORDING MEDIUM THEREOF - Disclosed herein is a search word link advertisement system including: an advertisement executing unit determining a search word link advertisement based on search words input during a matching period and exposing the determined search word link advertisement to provide the advertisement; a log recording unit storing a history of the determined search word link advertisement; and a matching period adjusting unit determining a transmission amount of search word link advertisement at any point in time or periodically in a state in which the search word link advertisement is provided and optimizing and adjusting the matching period according to the determined transmission amount. | 2012-12-27 |
20120330753 | METHOD, SYSTEM, AND SOFTWARE FOR GEOGRAPHICALLY FOCUSED NETWORK ADVERTISING - A software based system and method of displaying location based information from an information site on a network by determining location data of a user of the location based information on the network. The location based information is generated based on the determined location data of the user; and generated location based information is provided to the user over the network. | 2012-12-27 |
20120330754 | SYSTEM AND METHOD OF PROVIDING TARGETED ADVERTISEMENTS FROM SUBSCRIBERS OF DIRECTORY SERVICES - Disclosed are systems, computer-readable medium and a method for delivering advertisements to user devices. The method includes storing first data associated with online and physical activity of plurality of customers, storing second data associated with current status of plurality of advertisers, matching a customer with an advertiser based on analysis of the first data and the second data and delivering an advertisement to a device associated with the matched customers online and physical activity. The on-line and physical activity is captured by a plurality of devices including a mobile device via a plurality of sensors. | 2012-12-27 |
20120330755 | Communication Connectivity Via Context Association, Advertising Sponsorship and Multiple Contact Databases - Providing advertising sponsored messaging across multi-providers or multi-groups over a communication network, involving a subscriber database that stores profile listing information for each of targeted subscribers; an advertising center that manages selection of an advertiser and content of an advertisement to accompany a message sent to a targeted subscriber; an advertising database that stores, for each participating advertiser, profile listing information of targeted subscribers and targeted groups of subscribers of interest to the respective advertiser; and a caller network in communication with the above; whereby, upon receiving information from a caller identifying a targeted subscriber and providing content of a message to be sent to the targeted subscriber, the advertising center selects an advertiser, and content of an advertisement that accompanies the message to the targeted subscriber. The advertiser and/or the advertisement can be selected based upon a matching of the profile listing information of targeted subscribers and/or callers. | 2012-12-27 |
20120330756 | METHOD AND APPARATUS FOR TARGETED ADVERTISING - A system that incorporates teachings of the present disclosure may include, for example, a controller operable to determine a behavioral pattern of at least one of a subscriber leader and a plurality of subscriber followers who track activities of the subscriber leader. The controller can be further operable to detect a first request to transmit first media content from a first device of a first plurality of devices of the subscriber leader to a second plurality of devices of the plurality of subscriber followers, identify in the first media content a first substitutable advertisement product, substitute the first substitutable product in the first media content with a first advertisement product selected according to the determined behavioral pattern to generate updated first media content, and transmit the updated first media content to the second plurality of devices of the plurality of subscriber followers. Other embodiments are disclosed. | 2012-12-27 |
20120330757 | DIGITAL ADVERTISING TRADE AMPLIFIER - In accordance with one example embodiment of a Digital Advertising Trade Amplifier system, the system comprises a processing engine and content server for dynamically generating digital ad content relating to trade events or trade promotions from ad copy and images for a product and/or a service sold through a retail business, a database for storing the ad copy, the images, and the trade event digital ad content, and an administrative tool for inputting the ad copy and images into the database and configuring programs and for facilitating functionality between the database and the processing engine and content server in order to create, modify, and disseminate the trade event digital ad content. The trade event digital ad content is used to create a trade-specific digital ad based on at least one of an event location, an event date, and contextual placement of the trade event digital ad content. | 2012-12-27 |
20120330758 | SEGMENTING AD INVENTORY BY CREATORS, RECOMMENDERS AND THEIR SOCIAL STATUS - Techniques are disclosed which allow content publishers to segment and assign differential CPMs (cost per 1000 impressions) to their ad inventory depending on the source of that inventory, the person consuming the inventory and the weight of the relationship in runtime to the ad platform, i.e., based on the kind of user and his/her position within a social community. Content generated by more influential/popular users may have higher CPM ads associated with them. | 2012-12-27 |
20120330759 | ENERGY SYSTEMS - Among other things, an online interface is provided in which a property owner enters information defining a specification of an intended energy system to be installed for the property owner. The specification is in sufficient detail to enable each of two or more different installers to provide commercial offers of an energy system that conforms to the specification. An online interface may be provided in which a property owner is presented with a guided sequence of interactive steps in which the property owner is prompted to enter information associated with energy systems that may be relevant to the property owner, the content of at least one of the later steps being dependent on the information entered by the user in a prior step. A selection of energy systems based on technical feasibility and suitability as determined from information provided by the property owner may be presented through the interface. | 2012-12-27 |
20120330760 | Desktop Extension for Readily-Sharable and Accessible Media Playlist and Media - A system and method for distributing and providing access to media and for extending such access to a desktop environment is described. A media player in a webpage or in a desktop environment may reference a centralized location to access a playlist of media files. The playlist itself may reference remotely-located media files that may be streamed to the media player. The media player may be distributed in multiple environments, and updates to the playlist may be automatically distributed to all instances where the playlist is referenced due to the centralized reference in the media player. The embodiments of the media player may also be used in advertising as a mechanism for increasing user contact with an advertising entity and as a mechanism for distributing announcements and information by the advertiser. | 2012-12-27 |
20120330761 | Unconnected Advertising for Electronic Books - A system and method of making advertising accessible to eBook devices unconnected to online advertising delivery systems. The eBook is delivered to the reading device accompanied by advertising files to be delivered as the user is interacting with electronic book or eReader. This system allows institutions to conduct fundraising, helps publishers increase revenue, or decreases the cost of the eBook to the final user. | 2012-12-27 |
20120330762 | EQUIPMENT TO FACILITATE MONEY TRANSFERS INTO BANK ACCOUNTS - Arrangements for transferring money to a bank account, typically when paid in cash or a cash equivalent at a point of sale device, are provided. Transactional information may be transmitted to a host computer system from a point of sale device. The transactional information may include information on a bank account that is to receive the money. At least some of the transaction information may be sent to an intermediary computer system that is configured to interact with a plurality of banking networks and may determine Which one of the banking networks is associated with the bank account that is to receive the money. A request may be transmitted from the intermediary computer network to a local banking network and may include information on the bank account that is to receive the money and an amount of money to deposit. | 2012-12-27 |
20120330763 | Retail Point-of-Transaction Systems, Program Products, and Related Methods to Provide a Customized Set of Identification Data to Facilitate a Retail Transaction Using Electronic Coupons - Retail point-of-transaction systems, program products, and related computer implemented methods to provide a customized set of identification data to facilitate a retail sales point-of-sale transaction which includes the use of one or more electronic coupons is provided. The retail point-of-sale system can include a computer having memory and configured to facilitate one or more transactions each of which include the use of one or more electronic coupons through a retail point-of-transaction terminal positioned remote from, and adapted to be in communication with, the computer. The computer can also include a set of instructions that when executed by the computer cause the computer to redeem one or more electronic coupons for one or more retail transactions responsive to a customized set of identification data provided by the computer responsive to a data profile derived from a set of personal data of at least one of a plurality of remotely positioned users. | 2012-12-27 |
20120330764 | Point of Sale System for Transaction Payment Delegation - Methods and systems are disclosed herein to provide payment delegation for transactions. A payment request may be transmitted to a point of sale system from a mobile device. The mobile device owner may request that payment details for the transaction be obtained from a third-party device, such as a parent's computer. The point of sale system may transmit an approval request to the third-party device, or the mobile device may transmit an approval request to the third-party device. Upon receipt of payment details, the payment details may be communicated, and the transaction may be completed. | 2012-12-27 |
20120330765 | SYSTEM AND METHOD FOR BIOMETRICS-BASED FRAUD PREVENTION - The system employs the use of biometric authentication, a fraud control gateway and widget, and a point of sale sensor to restrict the use of credit cards or other financial tokens to authenticated actual owners of the card or token. The card or token holder will have biometric information entered into a database during an initiation or enrollment process, and subsequent uses of the card may be authenticated by comparing the biometric information of the attempted user to biometric information stored in the system. The biometric component is used for voice authentication. As part of a multi-factor security schema, the biometric authentication is combined with a series of point of sale and fraud control methods to ensure a comprehensive security umbrella for financial transactions. Both financial institution limits to transactions and consumer-preferred limits to transactions are employed. | 2012-12-27 |
20120330766 | FINANCIAL TRANSACTION APPROVAL SYSTEM AND METHOD - A method of processing a retail transaction includes processing a plurality of items for purchase using a point-of-sale terminal, which is part of a transaction approval system at a point of sale in a retail store. Processing the plurality of items includes using the point-of-sale terminal to determine associated price information for each item. Processing the plurality of items begins when information regarding an identifier of a first one of the plurality of items is entered into the point-of-sale terminal and ends when the information regarding the identifiers associated with all of the plurality of items has been entered into the point-of-sale terminal. The method further includes, before processing the plurality of items ends, electronically receiving an identification of a financial account to pay for the plurality of items, and after electronically receiving the identification of the financial account, determining a total cost of the plurality of items. | 2012-12-27 |
20120330767 | SYSTEM AND METHOD FOR CONTROLLING FINANCIAL TRANSACTIONS OVER A WIRELESS NETWORK - A system and method for controlling financial transactions is disclosed. A customer, using a wireless device, identifies a point of sale and the amount of a transaction at that point of sale is first communicated to a central service and then transmitted to the wireless device for display at the wireless device. The customer can either accept the transaction amount to complete the transaction or reject the amount to cancel the transaction. The customer may have to enter a password or personal identification number to verify the authorization to use the wireless financial system. The customer is billed for the transaction via credit, debit, ATM or other methods, such as the wireless carrier or an internet provider. | 2012-12-27 |
20120330768 | REVERSE VAULT CASH SYSTEM AND METHODS - An electronic cash management system including a plurality of electronic cash safes each associated with a cash acceptor and a communicator under the physical control of a financial institution operating as a vault cash manager which owns the cash located therein and operative upon receipt of cash into one of said plurality of cash safes, verified by the cash acceptor to employ the communicator for providing a computer network notification to the financial institution indicating receipt of the cash as vault cash owned by the financial institution. | 2012-12-27 |
20120330769 | ELECTRONIC TRANSACTION TECHNIQUES IMPLEMENTED OVER A COMPUTER NETWORK - Various techniques are disclosed herein for enabling and facilitating identification management and identity verification transactions conducted over computer networks. Some aspects disclosed herein are directed to secure techniques for enabling and facilitating electronic commerce and financial transactions conducted via one or more mobile devices. Other aspects disclosed herein are directed to secure techniques for enabling and facilitating identity verification and authentication transactions to be successfully and reliably performed via communications with a user's mobile device. | 2012-12-27 |
20120330770 | ORDERING APPARATUS AND METHOD - An ordering apparatus stores an order quantity, moreover, generates the order data for each ordered commodity by associating a plurality of the commodity identifiers which is accepted the input with the order quantities which is stored, during the period from the moment that the input of the commodity identifier is accepted to the moment that is determined that the input acceptation is terminated. | 2012-12-27 |
20120330771 | RETAIL SYSTEM FOR SELLING PRODUCTS BASED ON A FLEXIBLE PRODUCT DESCRIPTION - According to one described embodiment, a method is provided in which transaction information is determined. The transaction information is associated with (i) a buyer who has arranged to purchase a product from a central controller at a first price established between the buyer and the central controller and (ii) a merchant that offers the product for sale at a second price, different from the first price, without offering the product for sale to buyers at the first price. Information is transmitted that facilitates the acquisition of the product by the buyer, in exchange for payment provided by the buyer to the central controller. An amount based on the second price is provided to the merchant. | 2012-12-27 |
20120330772 | SYSTEM AND METHODS FOR DEMAND-DRIVEN TRANSACTIONS - Systems, methods, and apparatus for obtaining responses to expressions of interest are disclosed. In one aspect, a computer system comprising computer hardware receives expressions of interest from users, where the expressions of interest comprise expression characteristics. The computer hardware further organizes the expressions of interest based on the expression characteristics to produce expressions of interest. The organized expressions of interest may be presented to one or more entities capable of responding to the organized expressions of interest and/or one or more entities that have an incentive to respond to the organized expressions of interest. | 2012-12-27 |
20120330773 | INCREASING THE UTILITY OF OPPORTUNISTIC AND TIME CRITICAL GOODS AND SERVICES - Embodiments of the present invention provide a service to goods and/or service providers and consumers in the traditional context of a “first-come, first-served queue” or “class based” queue. A provider presents a listing of one or offerings to consumers to solicit bids for a good or service associated with the offering. After receiving an acceptable bid from a user, the provider provides feedback regarding the bid that indicates the ranking of the user with respect to other bidders in the bidding process. Based on the feedback, the user may submit a modified bid. Following confirmation of a bid by a user, a winning bid is determined and the user is notified. | 2012-12-27 |
20120330774 | METHOD AND APPARATUS FOR AGGREGATING, MATCHING OR TRANSACTING USERS' INTERESTS - A method and apparatus for aggregating, matching or transacting users' interests, the method comprising: receiving from a user a request to purchase a good; defining a deal, the deal in compliance with the request; notifying a vendor about the deal; and receiving a bid from the vendor, the bid based on the deal. Optionally the method further receives the bid from the vendor, and notifies the buyer about the bid. Optionally, the method further receives an order from the buyer and sends the order to the vendor. | 2012-12-27 |
20120330775 | BUSINESS EVENT PROCESSING - Techniques for business event processing are presented. Methods and apparatuses disclosed herein may operate to receive a request to perform an operation on a listing previously published by an online marketplace; to identify at least one additional listing having certain characteristics in common with the listing from a plurality of previously published listings including the listing; and to automatically perform the operation on the at least one additional listing. | 2012-12-27 |
20120330776 | ECOMMERCE ORDER OPTIMIZATION TOOL - An ecommerce cost optimization system includes: a display including information identifying an item; a quantity selection tool; a delivery location selection tool; an optimized offer presentation tool that provides at least one optimized option through the display component, wherein the at least one optimized option is optimized based on the selected quantity and the selected delivery location; and an order placement tool to place an order from amongst the options provided by the optimized offer presentation tool. A method of providing optimized offer for non-stock item transactions through an ecommerce application includes receiving a user selection including a selected quantity of the item and a selected delivery location and determining an optimized offer based on analysis of the possible combinations of a production schedule and a delivery schedule for the selected quantity and delivery location. | 2012-12-27 |
20120330777 | METHOD AND APPARATUS FOR PROVIDING RECOMMENDATIONS BASED ON LOCALLY GENERATED MODELS - An approach is provided for recommendations based on locally generated models. The model platform causes, at least in part, a transfer of at least one user model from a device to a recommendation service, wherein the at least one user model is generated on the device. Next, the model platform determines to associate the at least one user model with user profile information. Then, the model platform processes and/or facilitates a processing of the at least one user model, the user profile information, or a combination thereof to generate at least one recommendation. | 2012-12-27 |
20120330778 | PRODUCT COMPARISON AND FEATURE DISCOVERY - A method of providing a comparison among offerings includes displaying a tabulation of two or more criteria for two or more offerings. An input is received from a user relating to a first one of the criteria in the tabulation. Based on the input received from the user for the first one of the criteria, the tabulation is modified with respect to one or more criteria other than the first one of the criteria. | 2012-12-27 |
20120330779 | Predicting Purchasing Requirements - Particular embodiments provide functionality for predicting purchasing needs according to multidimensional data. The multidimensional data may define a multidimensional space. The multidimensional space may have at least three dimensions, and each of the dimensions may be capable of providing variable information, and/or having a type that is different from a type of another one of the dimensions. Particular embodiments may retrieve information from data associated with the multidimensional space. Predictions regarding purchasing needs may be generated based on the retrieved information. Purchasing recommendations may then be provided based on the predictions. | 2012-12-27 |
20120330780 | Electronic Window For Placing A Personalized Service Over A Communication Network - According to the present disclosure an electronic window is provided to provide a personalized service over a communication network whereby a registered user is connected with a vendor/dealer with an ability for a vendor to push his/her products/services with a user in his/her database to be able a product/service using user's mobile phone or e-mail message. | 2012-12-27 |
20120330781 | System and Method for Shopping Goods, Virtualizing a Personalized Storefront - A shopper-tailored virtual model of a physical storefront where items are located in a configuration specific to customer preferences, and a single virtual model corresponds to a different shopper, with said product arrangement continuously improving with the shopper's history of purchases, is achieved through an intuitive user interface of a mobile computing devise. The user experience is designed to invite shoppers to browse through the storefront planograms with a fast paced passing motion, intuitive picking and throwing of products within the basket, buy full recipes and added search features, it allows for speedy yet large purchases. The system's social capabilities enables shoppers to create, suggest and share recipes with specific ingredients available in the retailer stores, with the added value of having said recipes delivered to the shopper's desired location. | 2012-12-27 |
20120330782 | DELIVERY MANAGEMENT SYSTEM AND METHOD USING SMART COMMUNICATOR - Disclosed is a delivery management system and method using a smart communicator that include a selling server for selling articles online; a delivery server for managing delivery of articles sold by the selling server; a mailbox which reads information from an information storage attached to an arrived article at a destination under the control of the delivery server; and a home network server, which stores ordered article information, determines whether the arrived article is correctly delivered based on a comparison between the ordered article information and the arrived article information read from the information storage, transmits the result of the comparison to a smart communicator, controls follow-up management of the delivery according to a remote control of the smart communicator, to verify article arrival, and controls follow-up management using the smart communicator. | 2012-12-27 |
20120330783 | OFFENDER MESSAGE DELIVERY SYSTEM - A correctional facility communication system for sending an external message to an offender of a correctional facility is disclosed. The correctional facility communication system includes a messaging system and a correctional facility system coupled together with a wide area network. The messaging system is at a first location and the correctional facility system is at a second location, different from the first location. The messaging system authenticates a sender of the external message, receives the external message in electronic form at the first location, checks the external message against criteria specified by the correctional facility, determine a second location of the offender and a corresponding printer, and sends the external message to the second location for automatic printing with the corresponding printer. | 2012-12-27 |
20120330784 | Mobile Device for Transaction Payment Delegation - Methods and systems are disclosed herein to provide payment delegation for transactions. A payment request may be transmitted to a point of sale system from a mobile device. The mobile device owner may request that payment details for the transaction be obtained from a third-party device, such as a parent's computer. The point of sale system may transmit an approval request to the third-party device, or the mobile device may transmit an approval request to the third-party device. Upon receipt of payment details, the payment details may be communicated, and the transaction may be completed. | 2012-12-27 |
20120330785 | SYSTEMS AND METHODS FOR PURCHASING VIRTUAL GOODS IN MULTIPLE VIRTUAL ENVIRONMENTS - A transaction system for purchasing virtual goods, which are to be expressed within multiple virtual environments, may receive a selection from a user for one or more virtual goods. The transaction system may receive a selection for a plurality of virtual environments within which the selected virtual good(s) are to be expressed upon completion of the purchase transaction. | 2012-12-27 |
20120330786 | SERVICE FOR ADDING FUNCTIONALITY TO APPLICATIONS - An application management system modifies developer-submitted applications, such as mobile applications, to add various types of functionality before such applications are made available for purchase. The added functionality may, for example, enable end users to make in-application purchases of content items from an application store. As another example, Digital Rights Management (DRM) functionality may be added for controlling user access to content items, such as content items available in an application store. | 2012-12-27 |
20120330787 | PAYMENT SELECTION AND AUTHORIZATION - When making a payment with an electronic payment type, a user may provide additional verification of ownership through communications with the user's mobile computing device. For example, the user may swipe her bank card at a retailer's store. The retailer may authorize the bank card through an issuing party (“host”). The host may transmit a request to the user via a mobile application running on the mobile computing device, which may request the user to approve or decline the purchase request. In various embodiments, the host's request may require the user to enter personal and/or authorization information (e.g., a PIN, password, biometrics, etc.) via the mobile application to approve the request. In some aspects, the host may allow the user to split or allocate a payment amount across one or more electronic payment types available to the user from the host via the mobile application during the authorization process. | 2012-12-27 |
20120330788 | PAYMENT SELECTION AND AUTHORIZATION BY A MOBILE DEVICE - When making a payment with an electronic payment type, a user may provide additional verification of ownership through communications with the user's mobile computing device. For example, the user may swipe her bank card at a retailer's store. The retailer may authorize the bank card through an issuing party (“host”). The host may transmit a request to the user via a mobile application running on the mobile computing device, which may request the user to approve or decline the purchase request. In various embodiments, the host's request may require the user to enter personal and/or authorization information (e.g., a PIN, password, biometrics, etc.) via the mobile application to approve the request. In some aspects, the host may allow the user to split or allocate a payment amount across one or more electronic payment types available to the user from the host via the mobile application during the authorization process. | 2012-12-27 |
20120330789 | LIMITATION PROTOCOL - The present disclosure provides a computer implemented method of limiting access to an electronic information source. A limitation protocol is defined that provides for one or more access events. A user may access the electronic information source if an access event is available. If an access event is not available, the user is not allowed to access the electronic information source. | 2012-12-27 |
20120330790 | MANAGING TRANSFER OF CONTENT - A system and method for transferring ownership of disc storage media utilizing unique disc identification includes a disc storage medium with a permanently recorded disc identification, a user console with a set identification, a network, and a host server managing a user database and a disc database. Upon purchase of software stored on a disc storage medium, the unique disc identification and user identification are transmitted over the network from the user console to the host server. The host server grants the user console access permission to the programs residing on the disc storage medium and performs the disc ownership transfer transactions. | 2012-12-27 |
20120330791 | CONFIGURABLE INTERACTIVE ASSISTANT - The present invention employs branded virtual characters across multiple network platforms throughout various stages of complex transactions (eg, selling insurance). These characters initially engage prospective customers on a network platform, such as a social network, and persist over time across other network platforms (eg, university and company websites) to educate consumers until they are ready to purchase—e.g., from their “trusted advisor”—particular products and services offered by various providers. An extensible configuration tool (“Config Tool”) is provided to simplify the continued development of such a system, as well as customization of individual Product Modules (e.g., a Life Insurance Module) by product and service providers (e.g., insurance companies and employers) and other third-party developers (before and during runtime). This Config Tool provides a variety of extension points permitting virtual characters to be added and their appearance and behavior modified, along with the details of the products and services being offered. | 2012-12-27 |
20120330792 | OPEN DATA TRANSPORT BUNDLE MARKETPLACE EXCHANGE - Enterprises participating in a marketplace exchange communications involving mobile data transport bundles. In the marketplace, a data transport bundle (DTB) is purchased from a mobile network provider. The DTB may be partitioned for use by the enterprise. The enterprise can also search the marketplace to identify relevant enterprises with which to propose combining DTBs. Proposals to create a network transport service using a combination of DTBs, which is to be supplied to mobile device end users, are exchanged using a web portal. The web portal is configured to search for and identify enterprises having mobile DTBs in addition to exchanging the proposals. After an agreement is reached, the service is able to be offered to users of the network provider. | 2012-12-27 |
20120330793 | PROCESS FOR ORDERING A SELECTION IN ADVANCE, DIGITAL SYSTEM AND JUKEBOX FOR EMBODIMENT OF THE PROCESS - This invention relates to a process for ordering a selection in advance, characterized in that it includes a step in which a menu is displayed followed by a selection in this menu, to make specific requests and particularly: a step displaying the event for which the advance order of a selection is made, and then selection of the event; a step displaying the identity of destination equipment on which the selection is to be played, and then selection of this equipment; a step displaying the date and time at which the selection is to be made on the destination equipment; a step in which particular requests are recorded and downloaded onto a file only after payment has been verified. | 2012-12-27 |
20120330794 | METHOD AND SYSTEM FOR TRACKING CUSTOMER PERSONAL INFORMATION ON ELECTRONIC DEVICES - A system and method for marking electronic devices for processing. A determination is made whether one or more electronic devices include customer personal information during at least receiving the one or more electronic devices. An electronic device is marked as quarantined in response to determining CPI is included on the electronic device. The electronic device is separated from an inventory of electronic devices in response to marking the electronic device. | 2012-12-27 |
20120330795 | SHOE WITH RECONFIGURABLE INSOLE AND METHOD - A reconfigurable article of footwear has a reconfigurable insole inserted through an opening for receiving the foot of the user that is supported on a midsole. The reconfigurable insole has a primary footbed and a removable footbed. The primary footbed has a top side for supporting the foot of the user and a bottom side for contacting at least a portion of the midsole and for engaging the removable footbed. The removable footbed has a top side for engaging a portion of the bottom side of the primary footbed and a bottom side for contacting the midsole. Detachable corresponding and aligned fasteners on each of the bottom side of the primary footbed and the top side of the removable footbed detachably secure the removable footbed to the primary footbed. | 2012-12-27 |
20120330796 | TARGET OUTCOME FUND - A target outcome fund mimics an option in an underlying risky asset by holding a mix of the risky asset and a low-risk asset. The relative amount of the risky asset and the low risk asset held by the fund is periodically (e.g., monthly) rebalanced based on the fund's performance. If the fund over-performs, the target outcome is increased accordingly to prevent the fund becoming overly invested in the risky asset, thereby protecting gains made. | 2012-12-27 |
20120330797 | SYSTEM AND METHOD FOR PROVIDING BUSINESS AUDIT RESPONSES FROM LEGAL PROFESSIONAL - A system and method facilitates the audit process involving a business client, an auditor, and a third-party by providing confirmations for the client upon the auditor's request. An auditor or requestor receives an audit number from the audited client as evidence of authorization for requesting confirmation from a third-party, such as a legal professional. The confirmation request submitted by the requestor will be stored in a network-based computer confirmation system and transmitted to the relevant third-party responder. The third-party then provides necessary confirmation data (i.e., response data) to the confirmation system which forwards a completed confirmation to the auditor. The involved third-party can be a bank or financial institution, another entity in business relationship with the client, or any other entity that has access to the requested data associated with the client, such as a legal professional. | 2012-12-27 |
20120330798 | SYSTEMS AND METHODS FOR OBTAINING AUTOMATED THIRD-PARTY AUDIT CONFIRMATIONS INCLUDING CLIENT PHYSICAL SIGNATURES, PIN ACCESS, AND MULTIPLE RESPONDERS - Systems and methods are defined for facilitating the audit process involving a business client, an auditor, and a third-party providing confirmations for the client upon the auditor's request. An auditor receives an audit number, electronically captured signature, or physical signature from the audited client as evidence of authorization for requesting confirmation from a third-party, such as a bank or related business entity. The confirmation request submitted by the auditor will be stored in a network-based computer system (i.e., confirmation system) and transmitted to the relevant third-party. The third-party responder then provides necessary confirmation response data or the confirmation system retrieves the response data from a computer of the responder using credentials of the client. The involved third-party can be a bank or financial institution, another entity in business relationship with the client, or any other entity that has access to the requested data associated with the client. | 2012-12-27 |
20120330799 | SYSTEM AND METHOD FOR OBTAINING AUTOMATED THIRD-PARTY CONFIRMATIONS IN RECEIVABLES FACTORING - Systems and methods are defined for facilitating the factoring process involving a business client, one or more factors, and a third-party (i.e., a debtor doing business with the business client) providing confirmations for the accounts receivables upon the client's request. The client requests confirmation of accounts receivables from a confirmation system, the confirmation system queries the debtor(s) for confirmation of their accounts payable to the client, and the confirmation system provides completed accounts receivables to one or more factors designated by the client (i.e., initially provided to the confirmation system with the accounts receivable data that initiates the confirmation process). | 2012-12-27 |
20120330800 | SYSTEM AND METHOD FOR FINANCIAL TRANSACTION - A method and system for a P2P financial transaction can connect to a card company server via a wired/wireless communication network, and a financial card with credit card functions. The method includes closing a first contract involving monetary claim/obligation between members, reporting a first claim amount or a first obligation amount to the card company server, and recording first incoming or first outgoing amounts. The method further includes establishing a second claim amount and a second obligation amount according to a second contract, reporting the second claim amount or the second obligation amount to the card company server, recording second incoming or second outgoing amounts, adding or subtracting respectively to or from the first incoming or the first outgoing amounts, and settling final incoming or outgoing, added or subtracted amounts at regular intervals. | 2012-12-27 |
20120330801 | Distributed Malware Detection - According to one embodiment, a computer-implemented method includes accessing, using one or more processing units, a first file of a plurality of files requested to be analyzed for malware. Each of the plurality of files corresponds to a respective remote client of a plurality of remote clients. Further, the method includes: processing, using the one or more processing units, an analysis of the first file for malware; and generating an output comprising an indication of whether the first file comprises malware. The method also includes accessing, using the one or more processing units, an address for a first remote client of the plurality of remote clients. The first remote client is the respective remote client corresponding to the first file. In addition, the method includes: sending, using the one or more processing units, the output in a communication addressed to the first remote client corresponding to the first file. | 2012-12-27 |
20120330802 | METHOD AND APPARATUS FOR SUPPORTING MEMORY USAGE ACCOUNTING - An apparatus for providing memory energy accounting within a data processing system having multiple chiplets is disclosed. The apparatus includes a system memory, a memory access collection module, a memory throttle counter, and a memory credit accounting module. The memory access collection module receives a first set of signals from a first cache memory within a chiplet and a second set of signals from a second cache memory within the chiplet. The memory credit accounting module tracks the usage of the system memory on a per user basis according to the results of cache accesses extracted from the first and second set of signals from the first and second cache memories within the chiplet. | 2012-12-27 |
20120330803 | METHOD AND APPARATUS FOR SUPPORTING MEMORY USAGE THROTTLING - An apparatus for providing system memory usage throttling within a data processing system having multiple chiplets is disclosed. The apparatus includes a system memory, a memory access collection module, a memory credit accounting module and a memory throttle counter. The memory access collection module receives a first set of signals from a first cache memory within a chiplet and a second set of signals from a second cache memory within the chiplet. The memory credit accounting module tracks the usage of the system memory on a per user virtual partition basis according to the results of cache accesses extracted from the first and second set of signals from the first and second cache memories within the chiplet. The memory throttle counter for provides a throttle control signal to prevent any access to the system memory when the system memory usage has exceeded a predetermined value. | 2012-12-27 |
20120330804 | SYSTEM AND METHOD FOR BILLING UTILIZING ACCOUNT STATUS - A system and method for differentiating billing utilizing account status. A determination is made of an account status of a user associated with one or more communications being communicated through a network. A determination is made of a rate associated with the account status. The user is billed utilizing the account status associated with the user. | 2012-12-27 |
20120330805 | Electronic Invoice and Payment System with Graphic Invoice Approval and Payment Status Reporting. - A system includes an invoice application which, in response to a report request comprising access credentials of a connecting vendor, obtains a list of the vendor's open invoices from a database and generates a report document. The report document comprises a group of horizontal rows, each row representing a unique one of the vendor's invoices. Each row comprises an invoice identifier and a multi-segment status control. The status control comprises a group of segments within the horizontal row, with each segment representing a unique one of the steps the buyer performs to approve and pay the invoice. Each segment is a first color if the segment represents a processing step that the buyer has not yet performed and a second color if the segment represents a processing step that the buyer has completed. | 2012-12-27 |
20120330806 | Apparatus and Method for Operating a Water Source as a Master Limited Partnership - A computer includes a processor and a memory. The memory stores capital data characterizing capital raised for the purchase of water rights and operating data characterizing qualifying fees collected in connection with the utilization of the water rights. A master limited partnership module with executable instructions executed by the processor designates master limited partnership income based upon the capital data, the operating data and terms of a water rights mater limited partnership. | 2012-12-27 |
20120330807 | SYSTEMS AND METHODS FOR CONSUMER PRICE INDEX DETERMINATION USING PANEL-BASED AND POINT-OF-SALE MARKET RESEARCH DATA - Systems and methods for consumer price index determination using panel-based and point-of-sale market research data are disclosed. Disclosed example methods to determine a consumer price index include defining a plurality of item strata for use in determining the consumer price index, each item stratum being defined by specifying a plurality of attributes associating items with the item stratum, obtaining pricing information for a plurality of items, at least some of the plurality of items having not been preselected for inclusion in any of the plurality of item strata, determining price differentials for the plurality of item strata, a respective price differential for a respective item stratum being determined by combining the pricing information for a group of items, from the plurality of items, having the specified attributes defining the respective item stratum, and combining the determined price differentials for the plurality of item strata to determine the consumer price index. | 2012-12-27 |
20120330808 | EVENT-DRIVEN FINANCIAL TRADING METHOD AND SYSTEM - A system for creating event-driven financial transactions, which may include a data parser configured to receive large amounts of data from one or more sources pertaining to various indicators, such as economic indicators, a graphical user interface for receiving inputs from a user to build a transaction factoring in the value or change in value of a selected indicator, and a strategy engine for evaluating the transaction to determine whether to attempt to fill the order or take no action. The system may be used to create both standard and limit orders, and it may include a user-modifiable gradient display to allow the user to evaluate the relative likelihood of a proposed limit order. | 2012-12-27 |
20120330809 | EVENT-DRIVEN FINANCIAL TRADING METHOD AND SYSTEM - A method and system for creating event-driven financial transactions, which may include a data parser configured to receive large amounts of data from one or more sources pertaining to various indicators, such as economic indicators, a graphical user interface for receiving inputs from a user to build a transaction factoring in the value or change in value of a selected indicator, and a strategy engine for evaluating the transaction to determine whether to attempt to fill the order or take no action. The method and system may be used to create both standard and limit orders, and the system may include a user-modifiable gradient display to allow the user to evaluate the relative likelihood of a proposed limit order. The event or trigger may be related to the item to be traded, e.g., earnings per share of a stock to be traded, or may be substantially unrelated to the item, e.g., a change in a country's GDP. | 2012-12-27 |
20120330810 | Method and System for Real Estate Exchange and Investment - The present invention includes methods and systems of monetizing appreciation and improving fungibility of real property assets. Some embodiments of the present invention provide a method and system for establishing real estate units (RU) representative of the value of real property assets. The system includes a central server accessible via a network having a processor, software, random memory, and data storage hardware. The data storage hardware stores a database having data pertaining to a plurality of real estate assets and transforms the data to unitize real estate units reflective of the value by classifying the real estate assets into asset classes. Transformed data includes a saleable area of each property and an initial price for the real estate units based on the asset classes and saleable area. Accordingly, the server enables trading of the real estate units via the network. | 2012-12-27 |
20120330811 | SYSTEMS AND METHODS FOR ESTABLISHING FIRST ON THE FOLLOW TRADING PRIORITY IN ELECTRONIC TRADING SYSTEMS - A trading system transitions from a first state to a second state and may award a participant, when one or more criteria and/or a status of trading rights are met, with an exclusive and/or semi-exclusive right in the second state to trade on an incoming contra order. | 2012-12-27 |
20120330812 | EVENT-DRIVEN FINANCIAL TRADING METHOD AND SYSTEM - A method and system for creating event-driven financial transactions, which may include a data parser configured to receive large amounts of data from one or more sources pertaining to various indicators, a graphical user interface for receiving inputs from a user to build a transaction factoring in the value or change in value of a selected indicator, and a strategy engine for evaluating the transaction to determine whether to attempt to fill the order or take no action. One or more indicators may be used as transaction precursors, and an indicator change may be a precursor to one or more transactions. Transactions may be generated with respect to generally real-time market conditions or market conditions at some time distinct from the time the transaction request is received. The system also may allow the user to generate a warning system to alert the user to potentially undesirable trades. | 2012-12-27 |
20120330813 | Global Investment Grade for Natural and Synthetic Gems used in Financial Investments and Commercial Trading and Method of Creating Standardized Baskets of Gems to be used in Financial and Commercial Products - A process to create a fungible global standard for diamonds and gemstones. The process involves grouping diamonds in an investment standard according to their gemological, proportional, optical and light behavior characteristics. Diamonds that conform to the investment grade standard are interchangeable within a specific size range according to an equivalent monetary bundling process. Diamonds subjected to the standard conform to a holistic set of gemological, proportional, optical and light characteristic requirements that enables diamonds to be classified into a extraordinarily homogeneous, visually indistinguishable and highly fungible group which can be used to create baskets of diamonds to form an index/benchmark for diamond pricing, financial instruments, and a standard that can be used for certifying diamonds as investment grade to insure quality. | 2012-12-27 |
20120330814 | Live Alerts - Systems and methods for monitoring the trading of financial instruments are provided. Trading messages are received at a live alert server. The messages are analyzed with a set of predetermined limits and rules. When a predetermined limit or rule is violated, an email message is sent to a regulator or other trading entity. The email message may include a hyperlink that may be selected to generate a real-time report relating to the limit or rule. When hyperlink is selected, a query is sent to a query server where the real-time report is generated and transmitted back to the requesting party. | 2012-12-27 |
20120330815 | METHOD AND SYSTEM FOR POOLING, SECURITIZING, AND TRADING GLOBAL DIVIDEND AND INTEREST TAX RECLAIM ASSETS - Method and system for administering the pooling, securitizing, and trading of global dividend and interest tax reclaim assets during the reclamation process from concerned foreign government tax authorities, who are parties to a double taxation treaty. | 2012-12-27 |
20120330816 | Controlling Implied Markets During a Stop Loss Trigger - A system mitigates the effects of a market spike caused by the triggering and the election of a conditional order in an automated matching system. Conditional orders submitted to a trading engine are evaluated to compare a price of an order to a predetermined price range. Matching of the orders may be delayed when the price of the orders lies outside of the predetermined price range. An opening price to be used by the trading engine is derived and a time interval is used to delay a matching of the orders until the opening price is within a predetermined price range up to a maximum delay time set by a control center. Implied spreads are also removed until other instruments within a trading unit are verified open. | 2012-12-27 |
20120330817 | RISK MANAGEMENT SYSTEM AND METHOD FOR MONITORING AND CONTROLLING OF MESSAGES IN A TRADING SYSTEM - Methods and systems are disclosed for risk management in electronic trading where user messages are collected by at least one inspection engine which monitors one or more parameters of the user messages. The decision to manipulate the user messages is based on whether one or more of the parameters or a risk factor exceeds a predetermined range limit. The user messages are then transmitted to a trading engine where the user messages with manipulated parameters are rejected and the user messages with unchanged parameters are processed normally. By eliminating the need to maintain state with the message protocol of the user messages, the transport speed of such user messages is improved. | 2012-12-27 |
20120330818 | System And Method For Management And Analysis Of Electronic Trade Orders - A system and methods are provided for using order descriptor identifiers in relation to orders being used in trading strategies. According to one example method, when a hedge order is submitted upon detecting a fill of another order, the hedge order includes one or more order descriptor identifiers conveying a purpose of the hedge order to a user. The order descriptor identifiers can be used to search for desired orders and perform more effective order management and post trade analysis. | 2012-12-27 |
20120330819 | SYSTEM AND METHOD FOR LOCATING AND ACCESSING ACCOUNT DATA - Account data (e.g., balance information) for accounts at a plurality of financial institutions (or government agencies) is stored (and updated) in a central database system and accessed using a personal identifier, such as a social security number. Risk data may be generated for accounts based on the account data. The account data and risk data are accessed in response to either an account search request (e.g., from a government entity and relating to a benefits program or a subpoena) or an account verification request (e.g. from a mortgage company and relating to a mortgage application). | 2012-12-27 |
20120330820 | COMPUTERIZED EXTENSION OF CREDIT TO EXISTING DEMAND DEPOSIT ACCOUNTS, PREPAID CARDS AND LINES OF CREDIT BASED ON EXPECTED TAX REFUND PROCEEDS, ASSOCIATED SYSTEMS AND COMPUTER PROGRAM PRODUCTS - Systems, computer programs encoded on non-transitory memory, and computer-implemented methods to make available new credit or additional credit to demand deposit accounts, prepaid cards, and existing lines of credit of a customer based on expected tax refund amounts. The new or additional credit being, for example, based on a computerized estimate of the tax refund of the customer. The existing line of credit, for example, is adjusted based on the expected refund and/or actual tax refund determined to be available, which can serve as an additional source of repayment for the line of credit. One or more of several adjustments may then be made to an existing line of credit: the line of credit may be increased; fees reduced; or the terms of payment adjusted. | 2012-12-27 |
20120330821 | METHODS OF MONITORING BEHAVIOR/ACTIVITY OF AN INDIVIDUAL ASSOCIATED WITH AN ORGANIZATION - A cooperative arrangement and method to monitor behaviors and other activities by an individual in an organization. Personal financial information associated with an individual who is associated with, or to be associated with, the organization are obtained. Information is extracted from the personal financial information and input into a risk assessment algorithm. The risk assessment algorithm operates on the input information and generates risk assessment data. The risk assessment data is evaluated to make a determination of certification with respect to the individual. A decision to certify means that the risk associated with the individual, with respect to committing fraud or some other improper act with respect to the organization, is acceptable. Risk assessment data on a plurality of key individuals within the organization may be generated and evaluated to make a determination of certification with respect to the organization as a whole. | 2012-12-27 |
20120330822 | SYSTEM AND METHOD FOR SOCIAL RECRUITING - A system for social recruiting including an employment system server including a user database, where the user database includes a recruiter profile and a job seeker profile, and a recruiter network for the recruiter profile includes the recruiter profile associated with the job seeker profile. | 2012-12-27 |
20120330823 | SYSTEMS AND METHODS TO PROVIDE ACCESS CONTROL VIA MOBILE PHONES - Systems and methods are provided to allow parental control via mobile communications. In one aspect, a system includes a data storage facility to store data associating a phone number with information indicative of an age of a user of the phone number; and an interchange coupled with the data storage facility. The interchange includes a common format processor and a plurality of converters to interface with a plurality of controllers. The converters are configured to communicate with the controllers in different formats and to communicate with the common format processor in a common format. The common format processor is to use one converter of the converters to communicate with a telephonic apparatus at the phone number to obtain parental consent, in response to a request from a third party website, such as a social networking website. | 2012-12-27 |
20120330824 | CASH RETRIEVAL USING PAYMENT PROVIDER - A payment provider receives a request from a sender to send cash to a recipient, where the request includes an identifier, such as a phone number, of the recipient and an amount to send. If the request can be approved, the payment provider generates a one-time code associated with the request and transmits the code to the recipient. The recipient is then able to enter, present, or otherwise communicate the code to a cash dispenser (such as an ATM, kiosk, clerk or teller), which then communicates the code and other needed information to the payment provider. If approved, the cash dispenser can give the cash to the recipient. Both sender and recipient are not required to have accounts with the payment provider or a bank. | 2012-12-27 |
20120330825 | PROCESSING A PURCHASE TRANSACTION BASED ON DIFFERENT PAYMENT METHODS - A computer-implemented method for processing a purchase transaction initiated by a user including receiving a credit card transaction involving a financial product, processing the credit card transaction, and choosing a form of payment for the credit card transaction based on a preset rule. | 2012-12-27 |