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Accounting

Subclass of:

705 - Data processing: financial, business practice, management, or cost/price determination

705001000 - AUTOMATED ELECTRICAL FINANCIAL OR BUSINESS PRACTICE OR MANAGEMENT ARRANGEMENT

Patent class list (only not empty are listed)

Deeper subclasses:

Class / Patent application numberDescriptionNumber of patent applications / Date published
705034000 Bill preparation 491
705031000 Tax preparation or submission 92
705032000 Time accounting (time and attendance, monitoring billable hours) 79
705033000 Checkbook balancing, updating or printing arrangement 7
Entries
DocumentTitleDate
20110178902System and method for resolving transactions with lump sum payment capabilities - A system and method for the online settling of a transaction is provided. The system includes a server having a rules based engine including rules established on behalf of a party to the transaction, such as a creditor. The rules based engine is configured to process data and present a transaction settlement offer set comprising a plurality of selectable offers to the user based on at least one decision made by the rules based engine. The server is further configured to receive a lump sum payment proposal from the user and to use the rules based engine to process information comprising the lump sum payment proposal and present a second transaction settlement offer set to the user based at least in part on the lump sum payment proposal from the user.07-21-2011
20110178901System and method for resolving transactions employing goal seeking attributes - An automated system and method for the online settling of a transaction is provided. The system comprises a server comprising a rules based engine including rules established on behalf of a party to the transaction and genetic programming logic configured to employ the rules and determine a plurality of transaction settlement offer sets, each transaction settlement offer set based on a set of circumstances and comprising multiple simultaneously presentable and individually selectable offers, each offer configured to provide an appearance of settling the transaction. The genetic programming logic creates a description of a current transaction settlement offer set, analyzes behavior and characteristics of the current transaction settlement offer set, establishes a fitness of the current transaction settlement offer set, and modifies the current transaction settlement offer set to produce a new transaction settlement offer set. The new transaction settlement offer set is provided to the user.07-21-2011
20110178900System and method for resolving transactions using weighted scoring techniques - A system and method for the online settling of a transaction is provided. The system includes a server having a rules configured to process available data regarding the debtor party using rules established on behalf of the party to the financial transaction and weighting factors accorded to selected available data related to the debtor party. The rules and weighting factors are employed by the rules engine to establish a transaction settlement offer set conveyable to the user and comprising multiple simultaneously presentable and individually selectable offers, each offer configured to settle the transaction on terms satisfactory to the party to the transaction.07-21-2011
20090030817METHOD AND SYSTEM OF BIDIRECTIONAL MARKETING WITH FEEDBACK - The invention discloses a method and system of bi-directional marketing with feedback, comprising: building up a consuming net system that promotes the business between customer and seller. The consuming net system signs a contract with customer, then the requirement built up, on the other hand, said system signs contract with seller, then the provider built up. The consuming net system receives commission from the provider and returns interest to the requirement according to the contract. The method and system adds the steps of interest distributing and information distributing during circulate service, so that customer can get balanced information during consuming, and also he can get balanced interest. The present invention changes the way of information dissemination and unfair distributing system. It eludes the economic crisis at all.01-29-2009
20120173394DEVICE AND METHOD FOR ALLOCATING REVENUE AMONG PROVIDERS OF BUNDLED OFFERINGS - An exemplary device for allocating revenue among providers of products that are offered together for purchase as part of a unit includes a processor that is configured to automatically determine a number of unit or offering purchases. The processor is configured to automatically issue a corresponding number of virtual shares to each of the providers. The number of virtual shares issued to each provider is based on the number of unit or offering purchases and a predetermined allocation of a number of virtual shares for each provider, respectively for each purchase. The processor is also configured to determine a value of each issued virtual share using at least one selected revenue sharing rule according to a determined schedule. A virtual share redemption module facilitates payment responsive to redemption of issued virtual shares at the determined value.07-05-2012
20100017315RESOURCE-ALLOCATION PROCESSING SYSTEM AND APPROACH WITH ADAPTIVE-ASSESSMENT PROCESSING - Adaptive transaction data processing and analysis is carried out using inputs that are dynamically responsive. Embodiments of the present invention are directed to a computer-based system and related linking database that are configured to adaptively generate and output audit and electronic resource allocation data (e.g., payment data) based upon tracking fields that dynamically change across a multitude of disparate transactions.01-21-2010
20130085906METHOD AND SYSTEM FOR IMPLEMENTING EFFICIENT ENTRY FOR MOBILE EXPENSE SOLUTIONS - An improved approach is described for implementing an expense solution that includes efficient entry methods and systems. Mobile devices are integrated into an expense solutions architecture so that expense-related data can be captured, created, entered, and/or edited on the mobile device. This permits the user to generate expense line entries more in alignment with the location/way that many expense are actually generated, e.g., while the user is away from the office computer.04-04-2013
20090192925Method and User Device for Management of Electronic Receipts - A system for managing electronic receipts is provided. According to one aspect, the system includes a portable device, a base device, a user device and an electronic receipts administration system. The electronic receipts administration system provides the base device with the appropriate data to allow the base device to generate, store and manage electronic receipts accordingly. A user uses the portable device to conduct a transaction with the base device. The base device uses a variety of information to generate an electronic receipt for the transaction. Such information includes, for example, information stored on the portable device, information stored locally on the base device and information stored on another device such as an electronic cash register. The electronic receipt is then stored on the portable device. The user device allows the user to subsequently retrieve the electronic receipt for management purposes.07-30-2009
20110196767HIERARCHICAL TRANSACTION FILTERING - Systems and methods of allocating transactions among business objects are described. Allocation is accomplished using generated allocation rules that are generated using a hierarchical data structure representative of relationships between the business objects and using predefined rules that characterize the business objects. Each generated allocation rule is associated with at least one of the business objects and is used to query a set of transactions to be allocated. Query results, generated using a generated allocation rule, include the transactions to be allocated to the associated business object. Embodiments are disclosed to illustrate how the invention can be used to allocate sales commissions to members of a sales team. The invention is applicable to a variety of business objects including people, organizations, accounts, tasks, or the like.08-11-2011
20110196766SYSTEM AND METHOD FOR APPROVAL AND ALLOCATION OF COSTS IN ELECTRONIC PROCUREMENT - A system, method and computer program product for approval and allocation of costs in electronic procurement is described, wherein approval and allocation of costs are made in response to an electronic invoice, which includes information used to allocate procurement costs to one or more cost centers.08-11-2011
20110196765Method and Apparatus for Computing a Value of a Traded Item - Embodiments for determining a traded item's value are described herein. An embodiment includes identifying conditions for use in computing a value of the tradable object. The embodiment further includes determining whether a condition is satisfied based on market data, for example, and if the condition is satisfied, then determining the value of the item based on a rule associated with the condition; and if the condition is not satisfied, then determining whether a subsequent condition is satisfied. If a subsequent condition is satisfied, then determining the value of the tradable object based on a rule associated with the subsequent condition. An embodiment further includes computing an open profit and loss value based on the item's value. Other embodiments are also disclosed.08-11-2011
20090055296SYSTEMS AND METHODS FOR ELECTRONIC DELIVERY OF STORED VALUE - Systems and methods for electronic delivery of stored value are provided. An example method includes receiving a set of identifiers corresponding to a merchant's stored value tracking system, receiving a request for an electronic value card, associating an identifier from the set of identifiers with the electronic value card, synchronizing the merchant's stored value tracking system with the issued electronic value card, and delivering the electronic value card to a customer. An example system includes a merchant stored value tracking system having a set of unique identifiers, a network communicatively linked with a merchant stored value tracking system; and a value card manager communicatively linked with the network. The value card manager may be configured to receive a request for an electronic value card, synchronize the electronic value card with the merchant stored value tracking system using the unique identifiers, and deliver the electronic value card to a customer for use in the merchant stored value tracking system.02-26-2009
20110202437DOCUMENT MANAGEMENT SYSTEM - A computer-readable medium, computer-implemented method, and apparatus are provided. In one embodiment, a change order for a purchasing document is created, and one or more attributes of the change order are modified. Approval of the change order is submitted and approved, and a change type of the change order is determined. When the change type is external, acknowledgment of the change order is requested and a revision number attribute of the purchasing document is incremented. The purchasing document is updated with the change order and the change order is archived.08-18-2011
20110202438Method for associating financial transaction data with user's project data - This invention relates to an expense reporting system for viewing and manipulating a user's financial transaction data and a method for associating financial transaction data with a user's project data. The system includes a user's financial transaction data hosted in a data storage unit, addressable on a network, and accessible by a remote user on a user interface unit having a user input means and a display; and an expense reporting module having a graphical user interface (GUI) that allows a user to define project category data and associate representations of the user's financial data with the user-defined project category data.08-18-2011
20110202436DETECTING CREDIT MISUSE - Behavior associated with credit misuse is referred to herein as “intentional misuse of credit” (IMOC) behavior and individuals who exhibit IMOC behavior are referred to herein as IMOC individuals. Embodiments of the present invention provide systems, methods, and computer program products for reviewing, on a daily basis, financial-transaction data taken across a plurality of individual consumers, identifying individual consumers whose financial-transaction data indicates IMOC behavior, and flagging those individual consumers as IMOC individuals. To enhance financial institutions' ability to make accurate credit-approval decisions, other embodiments of the present invention provide systems, methods, and computer program products for reviewing a particular credit applicant's most recent financial-transaction data and, based thereon, determining whether that credit applicant, who otherwise has a good credit history, exhibits recent IMOC behavior and thereby possesses the propensity to misuse the applied-for credit.08-18-2011
20110202435ACTIVITY INFORMATION ACCOUNTING SYSTEM - The present invention relates to an activity information accounting system. The system includes a central processing unit 08-18-2011
20130085912PATENT REGISTRY ARCHITECTURE - Various embodiments of the present disclosure include systems and methods for managing patent annuity fee payments. One method comprises using one or more processors to provide a registry of patent matters comprising, at least, a listing of patent matters representing all patent matters registered at a national patent office for which respective patent annuity fees are payable. The method further includes registering customers of the registry as registered users of the registry, and allowing at least one registered user of the registry to tag one or more patent matters in the registry listing for payment of patent annuity fees.04-04-2013
20130085908IMAGE ENTRY FOR MOBILE EXPENSE SOLUTIONS - An improved approach is described for implementing an expense solution that includes image entry methods and systems. Mobile devices are integrated into an expense solutions architecture so that expense-related data can be captured, created, entered, and/or edited on the mobile device. This permits the user to generate expense line entries more in alignment with the location/way that many expense are actually generated, e.g., while the user is away from the office computer.04-04-2013
20130085907CALENDAR ENTRY FOR MOBILE EXPENSE SOLUTIONS - An improved approach is described for implementing an expense solution that includes calendar entry methods and systems. Mobile devices are integrated into an expense solutions architecture so that expense-related data can be captured, created, entered, and/or edited on the mobile device. This permits the user to generate expense line entries more in alignment with the location/way that many expense are actually generated, e.g., while the user is away from the office computer.04-04-2013
20130085902Automated account reconciliation method - Disclosed is a generalized method for automated account reconciliation capable of matching transactions in one accounting dataset to transactions in another accounting dataset with little initial data preparation. The method is highly flexible in that it does not require source data in a particular format, can accept both structured and unstructured (e.g. Descriptive text) data as input, is not domain- or language-dependent, and requires little to no training or user-provided heuristics. The method is also adjustable depending on a user's tolerance of error. Based on probability and information theory, computational linguistics, and statistics, the method can complete accounting reconciliation problems in significantly less time than is possible manually, and with just as high accuracy. Especially for large reconciliation problems, the method can save an overwhelming portion of the cost associated with this kind of task in the past.04-04-2013
20130085903Mileage Tracker Entry for Mobile Expense Solutions - An improved approach is described for implementing an expense solution that includes mileage tracker methods and systems. Mobile devices are integrated into an expense solutions architecture so that expense-related data can be captured, created, entered, and/or edited on the mobile device. This permits the user to generate expense line entries more in alignment with the location/way that many expense are actually generated, e.g., while the user is away from the office computer.04-04-2013
20130085904Mobile Expense Solutions Architecture - An expense solutions architecture is provided, in which an improved approach is described for implementing an expense solution. Mobile devices are integrated into an expense solutions architecture so that expense-related data can be captured, created, entered, and/or edited on the mobile device. This permits the user to generate expense line entries more in alignment with the location/way that many expense are actually generated, e.g., while the user is away from the office computer.04-04-2013
20130085905MOBILE DEVICE FOR MOBILE EXPENSE SOLUTIONS ARCHITECTURE - An improved approach is described for implementing mobile devices for an expense solutions architecture. Mobile devices are integrated into an expense solutions architecture so that expense-related data can be captured, created, entered, and/or edited on the mobile device. This permits the user to generate expense line entries more in alignment with the location/way that many expense are actually generated, e.g., while the user is away from the office computer.04-04-2013
20100076874CUSTOMER INTRODUCTION SUPPORT SYSTEM AND CUSTOMER INTRODUCTION SUPPORT METHOD - It is required to make a subscriber terminal acquire guide information from many service enterprisers at appropriate timing while preventing leakage of private information such as a mail address capable of identifying an individual. By use of a center unit managing a customer based on a provisional ID and a customer introduction count, terminals of service enterprisers introduce customers by transferring provisional IDs therebetween according to the provisional ID, the customer introduction count, and the like issued from the center unit.03-25-2010
20100076873FEE REFUND MANAGEMENT - The innovation relates to a system and/or methodology for the convenient and consistent determination of fee refunds for financial products. The system provides for a fee refund component that determines a proposed fee refund based on a customer's score, and information regarding the financial institution's fee refund policies. The customer scores and fee refund policies are determined by a data analytics component, which can update the data at regular intervals or when modifications to the data occur.03-25-2010
20130085911PATENT REGISTRY ARCHITECTURE WITH DIRECT PATENT OFFICE PAYMENT CONDUIT - Various embodiments of the present disclosure include systems and methods for managing patent annuity fee payments. One method comprises using one or more processors to provide a registry of patent matters comprising, at least, a listing of patent matters representing all patent matters registered at a national patent office for which respective patent annuity fees are payable. The method further includes registering customers of the registry as registered users of the registry, and allowing at least one registered user of the registry to tag one or more patent matters in the registry listing for payment of patent annuity fees. In one embodiment, a direct annuity payment conduit between a national patent office and at least one registered user of the registry is provided.04-04-2013
20130085910Flexible account reconciliation - Disclosed are improvements to a method for account reconciliation comprising improved, extended, and more flexible algorithms for (1) automatically determining what transaction features are best candidates for matching diverse datasets; (2) automatically determining how logically to subdivide accounting datasets prior to reconciliation; (3) matching groups of transactions (allowing one-to-many, many-to-one, and many-to-many matches instead of just one-to-one matches); (4) making use of more types of transaction feature, including transaction dates (where proximity of two transactions in date may be significant even if the dates do not exactly match). The improved method is, therefore, better able to perform its intended function of identifying matching transactions. It is applicable to a wider class of problems while still saving significant costs and labor, and still retaining flexibility in not requiring source data in a particular format, and not being domain-dependent or requiring extensive user setup.04-04-2013
20130085909SY BASED INTEGRATED POLICY AND CHARGING CONTROL - Various exemplary embodiments relate to a method for managing subscriber usage in a mobile network by a policy and charging rules function (PCRF) including: receiving a credit control request (CCR) message from a policy and enforcement rules function (PCEF) for an application; determining if a Sy connection to an online charging system (OCS) is necessary to implement the CCR; determining if a Sy session is present; sending an application authorization request (AAR) message to the OCS; binding a counter to the application; determining a policy to apply based upon the application; and sending a credit control answer (CCA) message to the PCEF to effect the policy.04-04-2013
20130080301ONE-STEP POSTING FOR APPROVAL-BASED LEDGER TRANSACTIONS - Various arrangements for posting a journal entry to a ledger are presented. The journal entry that comprises financial information related to a credit or debit from an account may be received. A request to post the journal entry to the ledger may be received. The journal entry may be determined to be subject to an approval process at least based on the ledger. At least one entity that is required to approve the journal entry as part of the approval process may be identified. An approval from the at least one entity may be received. After receiving approval, the journal entry may be posted to the ledger such that the ledger indicates the credit or debit of the journal entry. Posting of the journal entry to the ledger may require no input from the user following receiving the request to post the journal entry to the ledger.03-28-2013
20130080299ALLOCATION MANAGER - A method of using rules to execute periodic allocations of funds in a hierarchal accounting structure may include receiving an allocation rule, comprising a source account, a rule for determining a first amount, a parent account, and an allocation basis; accessing a multidimensional data cube comprising a hierarchal arrangement and aggregated balances for each level of the hierarchal arrangement; generating an allocation scenario by allocating the first amount to the aggregated balances for the one or more child accounts according to the allocation rule; generating one or more accounting journal entries corresponding to the allocation scenario; posting the one or more accounting journal entries to a general ledger associated with a relational database; and updating, using the relational database, the multidimensional data cube to reflect the allocation scenario.03-28-2013
20130080300TRANSFER FORMULAS - A method of using a formula to execute periodic transfers in a hierarchal accounting structure includes receiving a transfer formula that may comprise a source account, a target account, an offset account, an account characteristic, and a formula for determining a first amount of the source account based on the account characteristic. The method may also include accessing a multidimensional data cube with a hierarchal arrangement and aggregated balances for each level. The method may additionally include generating a transfer scenario by transferring the first amount to the aggregated balance for the target account according to the transfer formula, and generating one or more accounting journal entries corresponding to the transfer scenario. The method may further include posting the one or more accounting journal entries to a general ledger associated with a relational database; and updating the multidimensional data cube to reflect the transfer scenario.03-28-2013
20130080296Greenebank - The invention Greenebank is a specific process that relates to a. system for cross-integrating data from patents #20110038703 FILL-A-BOX, WINROWS (patent pending) and STAT-MEDICAMENT-DISPOSAL™ to create an aggregated record to provide cap and trade credits of a address/location to encourage recycling. Allowing for the address/location to access Greenebank database through a data portal device via the internet to view cap and trade credits, to trade cap and trade credits or to sell cap and trade credits.03-28-2013
20090119190Virtual Pooled Account for Mobile Banking - A virtual pooled account is used in operating a system having multiple financial partners. In a specific implementation, the system is a mobile banking system. Instead of maintaining separate general ledgers for each financial institution, the system will keep one general virtual pooled account. This will reduce the settlement and operational costs of the system. The owner of the virtual pooled account will receive the float on the virtual pooled account, and this float will be distributed to the multiple financial partners according to a formula.05-07-2009
20130036033DETERMINING COMMERCIAL SHARE OF WALLET - Commercial size of spending wallet (“SoSW”) is the total business spend of a business including cash but excluding bartered items, Commercial share of wallet (“SoW”) is the portion of the spending wallet that is captured by a particular financial company. Commercial SoW is a modeling approach that utilizes various data sources to provide outputs that describe a company's spend capacity. These outputs can be appended to data profiles of customers and prospects and can be utilized to support decisions involving prospecting, new account evaluation, and customer management across the lifecycle. Company financial statements are utilized to identify and calculate total business spend of a company that could be transacted using a commercial credit card. A spend-like regression model may then be developed to estimate annual commercial SoSW value for customers and prospects within a credit network.02-07-2013
20130036032SERVICE PLAN NEGOTIATIONS WITH END USERS FOR POLICY AND CHARGING CONTROL (PCC) - Systems and methods are disclosed for negotiating service plans with an end user for Policy and Charging Control (PCC) in a packet core network, such as an LTE network. A system in one embodiment communicates with an end user that has a predefined service plan. The predefined service plan is used for a PCC decision when the end user requests a service. The system receives a request from the end user offering a proposed service plan that differs from the predefined service plan, and processes the proposed service plan to determine whether to accept the offer from the end user. If the determination is to accept the offer, then the system implements the proposed service plan for the end user in a PCC decision for a service requested by the end user instead of the predetermined service plan.02-07-2013
20130036031System for monitoring land use activities - A land use activities system for monitoring and management of properties and property modifications located within each one of a plurality of jurisdictions. The system has a central database for storing information about each property, the central database enabling each jurisdiction to retrieve, write and modify the information about objects within the jurisdiction and create a jurisdiction database. The information pertains to land use activities in conjunction with a particular geographic location of the selected jurisdictions are any of: permit application for, and review of land use modification, plan review and approval for land use modification, and requests for, and inspection of land use modification for compliance with ordinances and regulations within the selected jurisdictions, as well as address verification and address management of properties within the jurisdiction.02-07-2013
20130080298SYSTEM AND METHOD FOR PROCESSING A FINANCIAL ACCOUNT - According to some embodiments, an inventory report file may be received. The inventory report file may, for example, have records representing outstanding transactions associated with a wealth management record keeping system, and each record in the inventory report file may be associated with a transaction code. Information in a data dictionary may then be accessed, wherein the data dictionary maps transaction codes to accounting categories. A convertor tool may then automatically translate each transaction code in the inventory report file into an appropriate accounting category to facilitate reconciliation of a general ledger account balance.03-28-2013
20090240606Internal Process Audit Surveillance System - A system and methods for auditing one or more auditable items are provided. The auditable items are associated with one or more audit checklists. The audit checklists comprise one or more audit-header questions and one or more audit-checklist questions. The auditable items are associated with the audit checklists. The auditable items may be associated with the audit checklists based on answers to the audit-header questions. The audit checklists are completed for the auditable items. The audit checklists may be completed by answering the audit-checklist questions. To audit the auditable items, one or more audit reports are generated. The audit reports are based at least in part on the completed audit checklists.09-24-2009
20130080297METHOD AND SYSTEM FOR TRANSFORMING SALES DATA INTO AN ELECTRONIC SALES TRACKING DISPLAY - A method and system for creating a real-time automated display that transforms sales data, such as sales numbers, accounting information and so forth, into an electronic format that is displayed as an electronic display on one or more video monitors. The video monitors may be located at different locations, such as on a sales floor or in a break room of an auto dealership. The electronic display may be used in businesses having commission based sales forces to track monthly sales goals and sales numbers for sales representatives and as a motivational tool.03-28-2013
20130041793FINANCIAL DATA PROCESSING DEVICE, FINANCIAL DATA PROCESSING METHOD, AND COMPUTER-READABLE RECORDING MEDIUM - A financial data processing device generates common data, and thereafter, converts the common data into XBRL-FR format financial statements, and an XBRL-GL format trial balance and an XBRL-GL format itemized statement, which are related to the financial statements, on the basis of a mapping table which indicates a relationship among a template of XBRL-FR format financial statements, a template of an XBRL-GL format trial balance and an XBRL-GL format itemized statement, and areas in which the common items are located on the templates, and stores the XBRL-FR format financial statements, the XBRL-GL format trial balance, and the XBRL-GL format itemized statement in a storage unit.02-14-2013
20090177562SYSTEMS AND METHODS FOR PROVIDING ACH TRANSACTION NOTIFICATION AND FACILITATING ACH TRANSACTION DISPUTES - A system and method for identifying incoming ACH transactions involving subscriber accounts at a financial institution, comparing the ACH transaction details with preset notification criteria, suspending any ACH transaction that satisfy the preset criteria so that the transaction does not post to the account, notifying the subscriber of the incoming ACH transaction, providing the subscriber with the option to either authorize or dispute the ACH transaction, and facilitating the dispute process according to applicable banking rules by requesting further information from the subscriber and forwarding the dispute information to the ACH operator.07-09-2009
20130041789PRODUCTION COST ANALYSIS SYSTEM - A production cost analysis system may include data about goods and services stored in an in-memory database. The data may include information about routing, operation, work center, cost center, component, and activity. Production cost analysis may be performed on the data by aggregating the data in real-time, and may include calculating variances pertaining to target costs and actual costs associated with the stored data. The stored data may be viewed, edited, input, or analyzed through a user interface. Methods and devices are provided.02-14-2013
20130041790METHOD AND SYSTEM FOR TRANSFERRING AN APPLICATION STATE - Systems and methods are for using a computer-based application session on one device and continuing the same session on one or more other devices without interruption of the session, according to certain embodiments of the invention. This occurs by a transferring or cloning of the application along with its state from one device to one or more others using a wired or wireless communication link or network. Embodiments further include the transfer of an application state to one or more other users by a transfer to their devices while continuing with the first user's session on his/her device.02-14-2013
20130041788Method and System for Calculating and Reporting Fund Values for Omnibus Investment Accounts - An omnibus fund accounting system is described that comprises a system of servers and databases connected to a network that can host a set of application instructions and a fund investment database to manage multiple fund investments. An institutional investor places an investment with an investment fund. The institutional investment comprises a plurality of individual investors who may invest at varied times and in varied amounts. The discrepancies in investment initiation dates by individual investors causes expenses such as performance based management fees to be assessed differently against each individual investor. The omnibus fund accounting system tracks the increases or decreases in overall fund performance with respect to the institutional investment or, alternatively, with respect to the fund as a whole. This may be reflected by the overall net asset value of the institutional investment or the fund as a whole as determined by the omnibus fund accounting system. The omnibus fund accounting system also accommodates the deviations in costs attributable to each individual investor while tracking the overall institutional investment performance. The omnibus fund accounting system may accommodate deviations in costs for each individual investor with the addition of positive unit adjustments or subtraction of negative unit adjustments to or from individual accounts. The omnibus fund accounting system reports the performance of the individual investments and the overall institutional investment to the institutional investor.02-14-2013
20130041787Method and System for Providing Financial Functions - A method is disclosed for providing financial functions by an agent for each of a plurality of clients. One embodiment includes, relating to a financial function of each client, demonstrating that more than one activity of the agent can be transparent to the client, receiving financial information at the agent, creating risk management information relating to the financial information, analyzing the risk management information in the context of the financial information, determining an action based on the analysis, facilitating implementation of an action on behalf of the client, and communicating with the client one or more activities of the agent.02-14-2013
20100042519SYSTEM AND METHOD FOR PROVIDING LOCATION BASED SERVICES USING COLLABORATIVE NETWORKS - A system and method is provided for providing location based services. The system includes at least one module configured to publish location information of a mobile user using a publish subscribe format based on a user preference mode of notification.02-18-2010
20100042518PAYROLL RULES ENGINE FOR POPULATING PAYROLL COSTING ACCOUNTS - Systems and methods are disclosed for using rules to populate a payroll cost account. An embodiment includes receiving a request to create a new payroll rule, displaying a rule creation user interface to a user, receiving a rule definition for the new payroll rule, generating the new payroll rule, and applying the payroll rule to payroll data.02-18-2010
20100042517UNIVERSAL LOYALTY SYSTEMS AND METHODS - The invention provides various systems and methods for providing universal access to loyalty programs and/or financial accounts. The method includes initializing a universal loyalty program account and financial account device. The method further includes associating loyalty program accounts and/or financial accounts with the universal loyalty program and financial instrument device. The method then accesses at least one of the loyalty program accounts and/or the financial accounts at a customer facing device using the universal loyalty program account and financial account device.02-18-2010
20100325023METHOD OF RECORDING AND PAYING DECLARED DIVIDENDS IN AN INVESTMENT COMPANY THAT INVESTS IN FIXED INCOME SECURITIES AND HAS CONVENTIONAL AND ETF SHARE CLASSES WITH DIFFERENT DIVIDEND PAYMENT FREQUENCIES - A method is are provided to administer an investment company. The investment company issues one or more classes of shares that are bought from and redeemed with the investment company at a net asset value. The investment company also issues one or more classes of shares that are listed for trading on a securities exchange and that are bought and sold in a secondary market at negotiated market prices. One or more computers maintain information regarding portfolio holdings of the investment company and outstanding shares in the investment company. Dividends are periodically declared at a first time interval for the outstanding shares that are bought from and redeemed with the investment company at a net asset value. The amount of dividends to declare is calculated from the information maintained in the one or more computers. Dividends are periodically declared at a second time interval that is different from the first time interval for the outstanding shares that are exchange-traded. Again, the amount of dividends to declare is calculated from the information maintained in the one or more computers.12-23-2010
20090157536ELECTRONIC COMMERCE TRANSACTION AUDIT SYSTEM, ELECTRONIC COMMERCE TRANSACTION AUDIT METHOD, AND STORAGE MEDIUM RECORDING ELECTRONIC COMMERCE TRANSACTION AUDIT PROGRAM THEREON - The present invention comprises agent for gathering transaction log means for automatically collecting all exchange messages notarized and recorded depressively by a plurality of electronic notarize means in connection with the electronic commerce transaction so as to reproduce them as an event of the entire wide network area, agent for gathering protocol standards means for automatically collecting protocols of the specifications on the electronic commerce transaction, whereby correctly grasping an event to be generated in the entire wide network area, and a log analysis engine for comparing the event of the entire wide network area reproduced by the agent for gathering transaction log means with the event to be generated in the entire wide network area grasped by the agent for gathering protocol standards means, whereby carrying out an objective audit.06-18-2009
20090157535SYSTEM AND METHOD FOR STANDARDIZING ACCOUNTING OF CONSUMABLES - According to one aspect, the system for standardizing accounting of consumables provides material lists of consumables used in particular repairs. The development of the material lists takes place through tracking of consumables used during the repair of various parts of different types of automotive vehicles. The size, shape, time, and material for repair may vary by make and model of vehicle, as well as the characteristics associated with each make and model. Once a materials list for a reasonable repair is assembled, the process is repeated for each vehicle make, model, and part to be repaired. The end result is a material list template for each part that a body shop repairs. In one embodiment, a wholesaler maintains and provides access to a system for standardizing accounting to body shops. The interface is customized for each body shop, so that specific materials will be provided on the material list for a repair. In another embodiment, user selectable options provide brand selection for the materials used in a particular repair. Providing brand selections and/or restricting selection of brand may provide an incentive for material purchases into specific brands. According to another aspect, maintaining material lists for each any every part of each model and make of vehicle represents significant overhead for any service provider. Creating standardized automobile objects for use in conjunction with a system for standardizing accounting of consumables provides for easier maintenance and greater flexibility to updates.06-18-2009
20090157534ENVIRONMENTAL OFFSET TRADING PLATFORM AND METHOD - A method of accounting for environmental offset credits from multiple offset markets includes registering the offset credit; assigning a unique identifier; receiving notification of a pending trade between a buyer/seller of an offset in one of the multiple offset markets. If the seller has an amount of environmental offsets sufficient for the trade and the trade is consummated, buyer and seller accounts are adjusted with corresponding credits and debits. Otherwise, a notification of insufficient environmental offsets to carry out the trade is provided. In a further aspect, instead of receiving a notification of a pending trade, the trade may be executed. In another embodiment, a computer-implemented trading platform includes a processor; a memory with a structured database that stores information relating to two or more environmental offset credits established in the two or more different offset markets. A bid or ask quote for an environmental offset credit is received and a buyer is matched by the processor with a seller of based on the received bid or ask quote. If the seller has an amount of environmental offset credits sufficient for the trade, a trade of an environmental offset credit is executed between the buyer and the seller. Otherwise, a notification of insufficient environmental offset credits to carry out the trade is provided.06-18-2009
20100106627APPLICATION OF COST CONSTRAINTS IN EVENT SCHEDULING - A cost metric is associated with each of a plurality of calendar event parameters of a proposed calendar event. A calendar event cost projection is determined based upon, at least in part, the cost metric associated with each of the plurality of the calendar event parameters. The calendar event cost projection is compared to a calendar event budget. At least one of the plurality of calendar event parameters is selected based upon, at least in part, the comparison of the calendar event cost projection to the calendar event budget.04-29-2010
20100106628CONFIGURING USER-CUSTOMIZED SERVICES FOR NETWORKED DEVICES - Systems and methods for managing one or more aspects of a user's relationship with one or more media devices or other information handling systems and one or more media content providers. In some embodiments, a service center functions as a central management point and includes various modules configured to provide the management services.04-29-2010
20100332360RECONCILIATION OF ACCOUNTING DOCUMENTS - The present disclosure involves reconciling subledger accounts by referencing source documents associated with business transactions. One process includes operations for receiving a request for reconciliation of a subledger account with its corresponding inventory and presenting at least one entry of the subledger account and at least one corresponding entry of an inventory. The inventory can be selected for reconciliation with the subledger account based on a shared subject matter of the subledger account and the inventory. If the difference between one of the entries of the subledger account and the corresponding entry of the inventory is a non-zero value, a request for reconciliation of the difference can be received. The process can further include identifying a source document associated with the entry of the subledger account and the corresponding entry of the inventory, generating a reconciliation report including a reference to the source document, and presenting the reconciliation report.12-30-2010
20130041794FINANCIAL DATA PROCESSING DEVICE, FINANCIAL DATA PROCESSING METHOD, AND COMPUTER-READABLE RECORDING MEDIUM - A first linkage processing unit refers to a correspondence information storage unit and stores a first financial data for the inside of one company which is related to financial data for the outside of the one company in a first storage device in a standard data format. A second linkage processing unit refers to the correspondence information storage unit and generates a second financial data of a data format of a second application used by the one company. A third linkage processing unit refers to the correspondence information storage unit and stores a third financial data outputted from the second application used by the one company in a second storage device in the standard data format as financial data for the outside of the one company. The notification unit notifies an external device of the third financial data stored in the second storage device.02-14-2013
20130041792CALCULATION APPLICATION AND METHOD - Embodiments of the present invention provide a solution for generating interactive cost saving reports on card programs offered to customers. In one embodiment, a method comprises receiving, at a computing device (e.g., a mobile device), characterization data associated with an entity, determining a benchmark data source corresponding to the characterization data, and receiving benchmark data from the determined benchmark data source. The method continues by calculating financial benefit values from the benchmark data and characterization data, generating an interactive savings report, wherein the interactive savings report includes summarized data of the calculated financial benefit values, and displaying the interactive savings report including a plurality of visual metrics corresponding to the summarized data of the calculated financial benefit values, wherein the plurality of visual metrics are interactive.02-14-2013
20130041791PRIVATE EQUITY ACCOUNTING AND REPORTING SYSTEM AND METHOD - A private equity accounting and reporting system and method are provided herein.02-14-2013
20120166319METHOD AND SYSTEM FOR LANGUAGE-INDEPENDENT SEARCH WITHIN SCANNED DOCUMENTS - In some aspects, a system and method include receipt of a text file representation of an invoice associated with a supplier, receipt, from a database, of an invoice term associated with the supplier, determination, by a processor, of whether the invoice term is in the text file representation of the invoice. If is determined that the invoice term is in the text file representation of the invoice, an anchor term associated with the invoice term is determined. The invoice term and the anchor term are stored in a record associated with the supplier.06-28-2012
20130046660Taxable Fringe Benefit Accounting for Electric Vehicle Charging Service - A charging station network server receives a message that indicates a set of parameters of an electric vehicle charging session. The set of parameters provides an indication of an electric vehicle operator associated with the charging session. The server determines that at least a portion of a cost of the electric vehicle charging session is to be paid by an employer of the electric vehicle operator. The server determines a fair market value of the electric vehicle charging session reduced by any amount that is not paid by the employer. The server stores, in association with a profile of the electric vehicle operator, the determined fair market value of the electric vehicle charging session reduced by any amount that is not paid by the employer.02-21-2013
20130046662SYSTEM FOR ANALYZING REVENUE CYCLES OF A FACILITY - The present disclosure provides methods and apparatus for analyzing the revenue cycles of a facility to more accurately predict future financial performance. Using the methods and apparatus disclosed herein, accountants and financial planners are given forecasts of future accounts paid based on current accounts receivable and past accounts paid.02-21-2013
20130046661ACCOUNTING SYSTEM AND MANAGEMENT METHODS OF TRANSACTION CLASSIFICATIONS THAT IS SIMPLE, ACCURATE AND SELF-ADAPTING - A computer implemented method for categorizing transactions for a user comprising receiving a plurality of transactions, each transaction including a transaction party, a date associated with the transaction, and a transaction amount, providing a set of transaction categories, automatically associating one of the transaction categories with at least one of the received transactions from the set of transaction categories, providing a set of reliability codes comprising at least two reliability codes, selecting a reliability code from the set of reliability codes for at least one of the automatically selected transaction categories, and displaying at least one of the received transactions with its selected reliability code.02-21-2013
20130030964LOCATION-BASED PAYER CHARGING SYSTEM - A location-based payer charging system includes a charging database including at least one transportation charge element associated with a transportation provider. A system provider device in the location-based payer charging system is coupled to a network and the charging database. The system provider device is operable to receive first location data from a payer device over the network in response to the payer device entering a first transportation area, and then receive second location data from the payer device over the network in response to the payer device exiting a second transportation area. The system provider device will then determine a payment amount using the first location data, the second location data, and a transportation charge element retrieved from the charging data, and send an instruction to charge the payment amount to a payer account that is associated with the payer device.01-31-2013
20130030963MANAGING CONSISTENT INTERFACES FOR FINANCIAL BUSINESS OBJECTS ACROSS HETEROGENEOUS SYSTEMS - A business object model, which reflects data that is used during a given business transaction, is utilized to generate interfaces. This business object model facilitates commercial transactions by providing consistent interfaces that are suitable for use across industries, across businesses, and across different departments within a business during a business transaction. In some operations, software creates, updates, or otherwise processes information related to a financial plan, a financials notification, a bank directory entry file and/or a direct debit mandate business object.01-31-2013
20130030962MANAGING CONSISTENT INTERFACES FOR AN ACCOUNTING DATA COLLECTION FOR LEGAL REPORTING BUSINESS OBJECTS ACROSS HETEROGENEOUS SYSTEMS - A business object model, which reflects data that is used during a given business transaction, is utilized to generate interfaces. This business object model facilitates commercial transactions by providing consistent interfaces that are suitable for use across industries, across businesses, and across different departments within a business during a business transaction. In some operations, software creates, updates, or otherwise processes information related to an accounting data collection for legal reporting business object.01-31-2013
20090043677SYSTEM AND METHOD FOR REAL TIME ACCOUNT AND ACCOUNT NUMBER GENERATION USING ORIGINATION APIS - A system and method generate an account in real time in accordance with an application programming interface (API). The API contains parameter descriptions listing universal resource locator (URL) parameters associated with items. A format for implementing an http request to transmit data to in compliance with the defined format is disclosed. A transparent mode for transmitting a response to an http request transmitting data provides for the transmission of an extensible markup language (XML) formatted file communicating an outcome to the request.02-12-2009
20110010277PREPAID VALUE ACCOUNT WITH REVERSION TO PURCHASER SYSTEMS AND METHODS - Systems, methods, and devices are described for a refundable prepaid transaction cards. The methods and systems include a prepaid transaction card funded with funds by a purchaser. Also included is an issuer. The issuer receives the funds a distributes a prepaid transaction card associated with the funds. The methods and systems also include a prepaid transaction card identifier, wherein the prepaid transaction card identifier identifies the prepaid transaction card. The issuer maintains a central computer system that stores at least one parameter entitling the purchaser to a refund of at least a portion of the funds. The methods and systems also include a cash pool, the cash pool holding at least a portion of the funds funded by the purchaser.01-13-2011
20130091041METHOD FOR USING INTELLIGENT ROUTER IN CHARGING SYSTEM AND APPARATUS ASSOCIATED THEREWITH - A method for using a charging system to account for service provided by a network element (NE) of a service provider network includes receiving an accounting request (ACR) from the NE at a router in the charging system, the ACR associated with service provided by the NE in the service provider network in conjunction with a communication session; modifying the ACR to form a modified ACR; sending the modified ACR to a charging collection function (CCF) server; receiving an accounting answer from the CCF server indicating the CCF server was not able to process the modified ACR; and resending the modified ACR to the CCF server or changing the modified ACR to form a revised ACR and sending the revised ACR to an alternate CCF server. A router associated with the method includes a service network communication module, a message processing module, and a charging system communication module.04-11-2013
20090307115FACILITATING PROCUREMENT FUNCTIONS OVER A COMPUTER NETWORK - A method for facilitating procurement functions includes receiving an invoice at a centralized procurement location, retrieving a purchase order associated with the invoice, comparing price terms on the invoice to price terms on the purchase order, and comparing quantity terms on the invoice to quantity terms on the purchase order. If the price terms on the invoice and the quantity terms on the invoice match the price terms on the purchase order and the quantity terms on the purchase order, the method includes transferring the invoice to an accounts payable representative for payment. If either of the price terms on the invoice and the quantity terms on the invoice does not match either of the price terms on the purchase order and the quantity terms on the purchase order, the method includes initiating a blocked invoice referral. A storage medium for facilitating procurement functions is also provided.12-10-2009
20090307114Financial Institution-Based Transaction Processing System and Approach - Transaction processing for financial institution-based transactions is facilitated. According to an example embodiment of the present invention, a transaction processing approach involves the processing of financial aspects of a transaction between buying and selling parties using transaction rules associated with a sponsoring financial institution. Transaction-related information is processed as a function of business rules associated with the sponsoring financial institution to facilitate payment for the transaction and the assessment of fees associated with the transaction processing.12-10-2009
20090307113METHOD AND SYSTEM FOR DETERMINING PROFIT AND LOSS FOR SELLERS USING ONLINE AUCTIONS OR E-STORES - A web-based method for sellers utilizing online auction and e-store sites to track their profits and losses by item or categories of items by user defined date parameters. The present invention is comprised of computer programming code that downloads the user's listing data from the auction or e-store web site and permits the users to enter their purchase cost and shipping cost in a plurality of methods. The invention produces reports that enable users to view, print and download data that show the item number, description, listing and sale dates, sales price, user cost, consignment fees (if any), auction or e-store fees, payment fees, and the user's profits. The report can be produced with item detail, sales category detail, or grand totals for a selected time period. The invention also provides the necessary calculations and reports to permit the users to engage in consignment listings.12-10-2009
20120191580METHODS SYSTEMS AND COMPUTER PROGRAM PRODUCTS FOR GENERATING FINANCIAL STATEMENT COMPLYING WITH ACCOUNTING STANDARD - Requirements, principles or guidelines of an accounting standard such as Generally Accepted Accounting Principles (GAAP) are transformed or codified into rules that specify how form, content and/or style of a certain portion of a financial statement, such as a header, should be configured while complying with the accounting standard. A rule engine compares attributes related to a financial statement and rules to determine which rule applies, and a selected rule specifies a header configuration. Relevant data received or retrieved from a source is used to generate or populate the header such that the header is automatically generated while complying with the accounting standard.07-26-2012
20120191579Selective Processing of Reverse Invoices in Computer Systems for Financial Transactions - According to one embodiment of the present invention, a system manages financial records, and comprises a computer system including at least one processor. The system generates an electronic invoice representing a financial transaction to rectify financial records adjusted in accordance with a prior processed invoice. The generated electronic invoice is selectively stored for subsequent verification without adjustment of the financial records. The stored electronic invoice is processed to rectify the financial records in accordance with the represented financial transaction in response to verification of the stored electronic invoice. Embodiments of the present invention further include a method and computer program product for managing financial records within a computerized financial system in substantially the same manner described above.07-26-2012
20130073439METHODS AND SYSTEMS FOR PATENT VALUATION USING FINANCIAL RATIOS - A technique for valuation of intangible assets is provided. The technique includes determining a present value of all future earnings from an intangible asset based on a current earning and one or more financial ratios. The technique further includes determining a value of the intangible asset based on the present value of all future earnings.03-21-2013
20130073438EFFICIENT DETECTION AND ANALYSIS OF VARIANCES - A method of detecting variances in a plurality of accounts from different organizations within an Enterprise Financial Accounting system includes receiving a selection of a first account with an account type; receiving a selection of a first time interval and a second time interval; determining a first amount that is associated with the first account during the first time interval; determining a second amount that is associated with the first account during the second time interval; receiving a selection of a comparison operator that relates the first amount to the second amount; receiving a selection of a threshold; determining a comparison value by comparing the first amount to the second amount according to the comparison operator; determining that the comparison value violates the threshold according to the comparison operator; and displaying a first indication in a portal comprised of the first amount, the second amount, and the comparison value.03-21-2013
20130073437PREVIEWING PROJECTED BALANCE IMPACTS - A method of previewing projected balance impacts in an Enterprise Financial Accounting System is presented. The method may include receiving journal entries that have not been posted to an accounting ledger; displaying the journal entries in a journal portlet; receiving a selection of a first journal entry with a first amount; determining a first ledger that is associated with the first amount; receiving a start date and a beginning balance of the first ledger on the start date; receiving an activity total including a sum of journal entries posted to the first ledger between the start date and a current date; determining a projected balance representing a combination of the beginning balance, the activity total, and the first amount; and displaying a projected balances portlet together with the journal portlet, that includes the beginning balance, the activity total, the first amount, and the projected balance.03-21-2013
20130073436DATA PORTAL FOR CONCURRENT ASSESSMENT - A method of concurrently assessing a closure status for multiple ledgers may comprise accessing a general ledger and a plurality of subledgers including a first subledger and a second subledger, having first and second close periods, respectively. The method may also include translating the second subledger such that the second subledger has the first close period, and determining a closure status for each subledger over the first period. The method may additionally include determining a status for the general ledger indicating a closure status over the first period, and concurrently displaying an indication for each of the plurality of subledgers and the general ledger. The method may further include displaying the status of each of the plurality of subledgers next to the indication for each, and displaying the status of the general ledger next to the indication for the general ledger.03-21-2013
20100131393MANAGING SERVICE SUBSCRIPTIONS IN A NETWORK - A computer-implemented method may include associating a first bundle with a subscriber on a first subscription date, the first bundle defining a pre-paid service, a first renewal date, and a first renewal price. The method may include associating a second bundle with the subscriber on a second date different than the first subscription date and different than the first renewal date, the second bundle defining a feature, not defined in the first bundle, of the prepaid service and a second renewal price, the second bundle having the first renewal date. The method may also include renewing the first bundle and the second bundle on the first renewal date if a balance of an account associated with the subscriber is greater than or equal to the first renewal fee plus the second renewal fee.05-27-2010
20130060666ACCOUNTING METHOD AND ACCOUNTING SYSTEM - An accounting system under standard costing as absorption costing which identifies a break-even point, performs a process in which, in a break-even chart represented as a standard-costing marginal profit chart for a company or business line departments, a “net carryover manufacturing overhead allocation cost” of an inventory and a managed gross profit Q03-07-2013
20130060665Computational systems and methods for disambiguating search terms corresponding to network members - Methods, apparatuses, computer program products, devices and systems are described that carry out accepting at least one search term corresponding to at least one member of a network; disambiguating the at least one search term including associating the at least one search term with at least one of network-participation identifier data or device-identifier data; and presenting a disambiguated search term at least partly based on at least one of the network-participation identifier data or the device-identifier data.03-07-2013
20090281936Capital Allocation and Risk Management - In an approach to financial management, a data representation is formed that defines a number of data elements and relationships between the data elements according to one or more regulatory requirements. Data characterizing availability of particular ones of the data elements for a financial institution are accepted, and actual or potential compliance by the financial institution with at least some of the regulatory requirements is then analyzed. The analysis can include identifying gaps in collection of values associated with the data elements for the regulator requirements, which can relate to calculation requirements and/or to reporting requirements for the regulations. Data representing computations associated with the regulatory requirements can be stored and the computations can then be executed to validate other implementations of the calculation.11-12-2009
20090281932Data Storage and Processor for Storing and Processing Data Associated with Derivative Contracts and Trades Related to Derivative Contracts - The description generally describes systems and methods for managing derivative contracts. The system maintains derivative contract states using a set of rules to ensure subsequent post-trade events are applied in the correct order, and without jeopardizing the integrity of the underlying derivative contract. Data about derivative contracts maintained in other environments can be back-loaded into the system to allow all of a user's contracts to be contained within the system, and data associated with the back-loaded contracts can be governed in the same fashion as existing derivative contracts. Payment processing and settlement can be handled automatically by the system. If a derivative contract in the system has an uncertain state, payment processing on the derivative contract can be initiated by either trading counterparty using payment processing logic.11-12-2009
20090276343Account communication management - The present invention relates to a method and system of managing communication with a set of accounts. The method includes the step of: allocating each account to a portfolio using a filter; selecting a communication strategy for each account using a set of rules for the portfolio; and managing communication with the account using the communication strategy. Historical information about the strategies used may be used in selecting a communication strategy for the account.11-05-2009
20090271302SYSTEM AND METHOD FOR ENSURING ACCURATE REIMBURSEMENT FOR TRAVEL EXPENSES - An Expense Verification System (EVS) checks for fraud and errors in reimbursement requests. The EVS stores requests including reference numbers, and receives travel reservation records from a payment clearinghouse system. Each record includes a reference number and associated reservation data. The EVS selectively denies stored reimbursement requests as a function of data contained in the travel reservation record. Alternatively, the EVS selectively issues an alert as a function of data contained in the travel reservation record. Further, the EVS may parse a received reimbursement request to identify a respective reference number, compare the parsed reference number to the stored reimbursement requests to determine whether the parsed reference number matches a stored reference number, and deny the received reimbursement request if the parsed reference number matches a stored reference number. The EVS may store the received reimbursement request if the parsed reference number does not match a stored reference number.10-29-2009
20090271301MULTIPLE RATE CURRENCY CONSOLIDATOR - A multiple currency rate consolidator addresses the needs of multi-national companies that do business in different currencies and tax localities. A consolidated view of financial data may be provided in real time. The multiple currency rate consolidator allows each subsidiary within a subsidiary hierarchy to enter and manage transactional data as well as budget/forecast data in a corresponding localized functional currency. The multiple currency rate consolidator allows different consolidation levels to view localized, consolidated values of subsidiary transactions. The multiple currency rate consolidator also accommodates statutory, ad hoc and management reporting consolidation using different subsidiary configurations for the same time periods, as well as the versioning of the subsidiary hierarchy to accommodate structural changes across different time periods.10-29-2009
20090271300Ad-hoc updates to source transactions - Systems, methods, and other embodiments associated with handling a change to a transaction at an application level are described. One exemplary method includes receiving, in a sub-ledger accounting (SLA) logic, from a sub-ledger logic, data that characterizes a transaction(s) receivable from a sub-ledger. The data includes a field of interest identifier and a downstream column impact identifier that identifies a column that is affected by a change to the field of interest. The method includes storing the data and processing transactions from the sub-ledger in light of the stored data. The method includes selectively storing a difference between a value associated with a previously processed version of a transaction and a value provided in a changed transaction. The value may be stored in a new transaction to reconcile the difference between the stored value and the changed transaction value.10-29-2009
20090271299NEGATIVE BALANCE MANAGEMENT - A system, apparatus, and method for managing account data for accounts having a negative balance. The invention embodiment includes a method, process or workflow for processing data for accounts associated with a debit, credit, pre-paid card or other form of financial instrument that have a negative balance. The data processing includes application of issuer criteria or filters to determine if certain of the accounts having a negative balance are not suitable for chargeback processing and instead may be processed in bulk, thereby reducing administrative and data processing overhead. For each account that is potentially eligible for chargeback processing, the invention embodiment accesses the account data and determines if the data supports initiation of a chargeback procedure for one or more transactions described by the account data. If the account contains one or more transactions that are eligible for chargeback processing, then a provisional credit in the amount of the one or more transactions may be applied to the account.10-29-2009
20090271298Securitized Commodity Participation Certificates Securitized by Physically Settled Contracts - Techniques are described for securitizing, administering and trading various derivative shares securitized by derivative, physically-settled instruments on underlying assets that is, physical commodities.10-29-2009
20110047054Trusted Infrastructure Support Systems, Methods and Techniques for Secure Electronic Commerce Electronic Transactions and Rights Management - An integrated, modular array of administrative and support services are provided for electronic commerce and electronic rights and transaction management. These administrative and support services supply a secure foundation for conducting transaction-related capabilities over electronic networks, and can also be adapted to the specific needs of electronic commerce value chains. In one embodiment a Distributed Commerce Utility having a secure, programmable, distributed architecture provides these administrative and support services. The Distributed Commerce Utility may comprise a number of Commerce Utility Systems. These Commerce Utility Systems provide a web of infrastructure support available to, and reusable by, the entire electronic community and/or many of its participants. Different support functions can be collected together in hierarchical and/or networked relationships to suit various business models or other objectives. Modular support functions can be combined in different arrays to form different Commerce Utility Systems for different design implementations and purposes.02-24-2011
20090030819System and method forfinancial management and analysis - A method is provided for analyzing a user's finances and providing a plan for debt reduction. The method includes acquiring aggregated financial data for a user from a financial data clearinghouse. Another step is classifying financial transactions received with the aggregated financial data into a plurality of budget categories without user input. A further step is applying the financial transactions to the budget categories. The budget categories further include a budget amount and budget balance. An additional step is modifying the budget balances without user input based on increases or decreases caused by the financial transactions. A further step is displaying the budget categories, budget amounts, modified budget balances and the financial transactions to aid the user in debt reduction.01-29-2009
20130066754CHILD SUPPORT MANAGEMENT SYSTEM AND METHOD - A method and system for facilitating child support management are disclosed. In a first aspect, the method comprises providing a child support management system between two parties, wherein the child support management system includes a central repository to store joint documents. The method includes managing expenses incurred by at least one of the two parties and automatically calculating an amount owed by at least one of the two parties, wherein the amount owed is communicated by the child support management system to each of the two parties. In a second aspect, a system comprising a processor and a memory device coupled to the processor, carry out the steps provided by the method.03-14-2013
20130066755ADMINISTERING CONTRACTS OVER DATA NETWORK - A method is provided for integrating a contract administration project and a corresponding accounting job via a graphical user interface of a web client. The method includes retrieving contract administration data corresponding to the project from a web server over a first data network, the contract administration data including a schedule of values having multiple line items; retrieving accounting data corresponding to the corresponding accounting job from an accounting system over a second data network, the accounting data including a job file having multiple job items; and mapping the contract administration data to the accounting system data. The mapping includes matching a line item of the schedule of values with at least one job item of the job file.03-14-2013
20120116933SYSTEM AND METHOD FOR AUTOMATIC RECONCILIATION OF TRANSACTION ACCOUNT SPEND - A system and method for facilitating automatic reconciliation of transaction card transactions is disclosed, wherein a user may request single-use account codes via the Internet. The system comprises various hardware and software systems to enable a card member, program administrator, or any other designated third-party to request one or more single-use account codes. The requestor may further assign a descriptor for each of the one or more account codes. After receiving a requested account code, the requestor may communicate the account code to a merchant to facilitate a purchase transaction. The system retrieves a list of transactions from the card issuer at regular intervals, matches the account codes in the list to an account code and associated descriptor, and records the reconciled transaction within a database.05-10-2012
20120116932EVALUATING REQUESTS USING HISTORICAL BENCHMARKING - A system for evaluating an invoice for work includes a processing device configured for determining one or more billing data parameters comprising a threshold payment amount based on information associated with the invoice or the work, retrieving from a historical billing database, historical billing data corresponding to the one or more determined billing data parameters, comparing the retrieved historical billing data including the threshold payment amount with at least a portion of the information extracted from the invoice including billing information extracted from the invoice, and determining whether to approve the invoice based on the comparison, wherein determining whether to approve the invoice is dependent upon the comparison of the threshold payment amount with the requested payment amount corresponding to billing information extracted from the invoice.05-10-2012
20090265260PREPAID CHIP CARD EXCEPTION PROCESSING - A portable consumer device may have money stored therein, which can be calculated using an accumulator record and an exception record. The accumulator record can be incremented by the amount of any initiated transaction using the portable consumer device. The exception record can be incremented by the amount of any completed transaction using the portable consumer device. The portable consumer device may also have a limit amount, to record the amount of money added. The records allow for a later reconstruction of the device history, and can account for any errors or problems during transactions.10-22-2009
20090234758SYSTEM AND METHOD FOR PREDICTING PROFIT LEAKAGE - A method, information processing system, and computer readable storage medium manage and predict profit leakage. A dynamic deduction space is created that includes a plurality of dimensions associated with historical deduction data and profit leakage information associated with a combination of two or more of the dimensions. Information associated with an open deduction is received. A dimension set in the deduction space is identified that corresponds to the open deduction. A profit leakage classification is assigned to the open deduction based on profit leakage information associated with the dimension set.09-17-2009
20090234760TRANSACTION AUTHORISATION SYSTEM AND METHOD - A transaction authorisation system allows a customer to authorise transactions relating to at least one account associated with an institution. Data storage means enable access to customer identification data, a customer's remote communication device (RCD), and security identifier data associating the account with the identification data. Communication means receive an authorisation request, referenced to the security identifier data, relating to the transaction and enable communication with the customer via the RCD to authorise a transaction or to indicate that a transaction is fraudulent. Data processing means identify the customer and RCD using the identification data and determine if the transaction is authorised, or has been indicated as being fraudulent, and if the transaction is fraudulent, to determine the type of fraud. The communication means provide an indication, referenced to the security identifier data, to the institution of whether the transaction is authorised.09-17-2009
20090234759Auction-Based Security Valuation - Disclosed are computer-implemented techniques for valuing non-marketable financial instrument such as employee stock options. The techniques include determining a market price of a derivate security that represents exposure to the non-marketable financial instrument by receiving bids or offers at a pre-determined time prior to the start of an auction and determining price information in a computer prior to a scheduled auction close. The determined price information is disseminated to auction participants, and the techniques includes closing the auction and executing on a computer orders and bids for the security at the determined price.09-17-2009
20100088204METHOD AND APPARATUS FOR DYNAMIC INTERCHANGE PRICING - A method includes receiving transaction data associated with a payment transaction. The transaction data includes a payment account identifier. The payment account identifier identifies a payment account. The method further includes obtaining a spending history associated with the payment account identified by the payment account identifier. The spending history reflects a total amount of spending transactions charged to the payment account during a period of time. The method also includes providing an indication of the spending history to an acquirer.04-08-2010
20080319881Electronic Commerce Transaction Audit System, Electronic Commerce Transaction Audit Method, and Storage Medium Recording Electronic Commerce Transaction Audit Program Thereon - The present invention comprises agent for gathering transaction log means for automatically collecting all exchange messages notarized and recorded depressively by a plurality of electronic notarize means in connection with the electronic commerce transaction so as to reproduce them as an event of the entire wide network area, agent for gathering protocol standards means for automatically collecting protocols of the specifications on the electronic commerce transaction, whereby correctly grasping an event to be generated in the entire wide network area, and a log analysis engine for comparing the event of the entire wide network area reproduced by the agent for gathering transaction log means with the event to be generated in the entire wide network area grasped by the agent for gathering protocol standards means, whereby carrying out an objective audit.12-25-2008
20080294537METHOD TO SUPPORT ADVANCE ACCOUNTING WITHIN SOFTWARE PARTITIONS - A data processing system includes: a plurality of resources including a processor, a memory, and an operating system; a mechanism for generating one or more software partitions in addition to an administrative partition; and a global accounting engine which enables monitoring and recording of resource usage at both a global-level and a partition-level. Partition-level accounting data is returned for selected resources being utilized within a software partition. The data processing system also includes a first software partition, which utilizes one or more of the first plurality of resources and which includes a first partition-level accounting engine. The partition-level accounting engine provides monitoring and recording of resource usage within the first software partition and stores first partition usage data within a first partition accounting buffer.11-27-2008
20090240605SYSTEM AND METHOD FOR AUTOMATED TRANSACTION SPLITTING - A system and method are provided for automated transaction splitting. A central repository gathers details of multi-category transactions between a first payee (e.g., merchant, investment firm) and one or more users. Each category's proportionate share of the total of the transactions is calculated and used to configure an average or model transaction. When a new transaction is received, it is automatically split among the categories based on the model transaction. Multiple types or tiers of model transactions may be applied. For example, a user-specific model transaction may reflect one specific user's history of transactions with the payee. A community model transaction may reflect multiple users' transactions. Similarly, one type of model transaction may reflect transactions with a single payee, while another type may reflect transactions with related payees (e.g., payees having similar businesses).09-24-2009
20080288377SYSTEM AND METHOD FOR PROVIDING REFERENCE COST OF FRAUD DATA RELATED TO FINANCIAL PRESENTATION DEVICES THAT ARE PRESENTABLE TO PROVIDERS OF GOODS OR SERVICES - A system for providing industry-wide reference cost of fraud data related to financial presentation devices that are presentable to providers of goods and services is provided. A fraud assessment module executable by a processor of the system receives, from multiple business entities, sales data and operating cost data both related to financial presentation devices. The fraud assessment module determines, based on the received data, the reference cost of fraud data including a direct fraud loss, fraud operating cost and opportunity cost for use by individual entities as benchmark cost of fraud data.11-20-2008
20110106674Optimizing Transaction Scenarios With Automated Decision Making - An example computer-implemented method of processing transactions in a funds facilitation system includes the steps of: receiving an electronic funding request to provide a payment for a transaction; identifying characteristics of the transaction based on information provided in the funding request; comparing the characteristics of the transaction with transaction rules stored in a rules database to determine at least one of: (a) a payment source for funding the funding request, and (b) an authentication procedure for authorizing the funding request. The selection of the authentication procedure is based at least in part on a stored trust level associated with a source of the electronic funding request. The receiving, identifying, and comparing steps are performed by software executable on one or more data processors. A funds facilitation system and memory structure are also included.05-05-2011
20110238539METHODS FOR RISK MANAGEMENT IN PAYMENT DEVICE SYSTEM - A method includes setting a risk management limit to be applied to authorized purchase transactions for a payment card account. The method further includes detecting that purchase transactions for the payment card account have approached the risk management limit and sending a message to the account holder to notify the account holder that the risk management limit is imminent. In addition, the method includes detecting that the account holder has requested re-setting of the risk management limit and then re-setting the risk management limit.09-29-2011
20100036758SYSTEM AND METHOD FOR PROCESSING FEES FOR A CARD - A processing system is operable for issuance and processing of cards with fee options applicable to a group of fee types. In one embodiment, the processing system includes a processing module, a secure card network, an issuer fee database and card account database. The card issuance database is operable to store a fee record associated with a card, wherein the fee record includes the fee options configured to apply to the group of fee types. The card account database is operable to store a card account record for the card, wherein the card account record includes a universal fee access counter for tracking parameters associated with the fee options configured to apply to the group of fee types.02-11-2010
20110282769Method and System for Quantifying Interactions with Digital Content - A computerized system and method for displaying content to a plurality of users via a communications network, and for quantifying interactions between the users and the digital content utilizes a first computer program stored in a memory of a computer accessible to a user. A program module in the computer program causes the computer to confirm access of the digital content by the user, and to quantify a plurality of interactions between the user and the digital content. Data representative of the interactions are stored and/or uploaded via the communications network to a database. A second computer program is stored in the memory of a computer accessible to an entity authorized to access the data in the database. The second computer program may include an accounting module for creating an account record which reflects a charge to the accessing entity which varies based on the data in the database.11-17-2011
20110137763System that Captures and Tracks Energy Data for Estimating Energy Consumption, Facilitating its Reduction and Offsetting its Associated Emissions in an Automated and Recurring Fashion - A system and method for automatically and routinely capturing and tracking energy data, estimating energy consumption, facilitating the reduction of consumption, and offsetting energy emissions.06-09-2011
20110137760METHOD, SYSTEM, AND COMPUTER PROGRAM PRODUCT FOR CUSTOMER LINKING AND IDENTIFICATION CAPABILITY FOR INSTITUTIONS - In an enterprise where a database maintains multiple accounts for one or more business customers, a method, system, and computer program product correctly links accounts which are associated with a single location of a common business. Further hierarchical linkages are established between accounts associated with multiple locations of the common business. The linkages are established via matching rules, the matching rules including provisions for optimizing the quality of the account data, integrating account-related data from external sources, and assigning quality-of-matching factors to different kinds of account data. Both internal and external account data are utilized to create an integrated view, or “business demographics”, of the business structure of the single common business shared by the linked, hierarchically-related accounts. Separate accounts of separate businesses which are nonetheless related accounts may be associated with each other. Feedback loops may be used to correct both erroneous data and the linking rules.06-09-2011
20110282770SYSTEM AND METHOD FOR IN-ROOM DRINKING WATER SERVICE IN A HOTEL - Disclosed is a system and method for providing an in-room drinking water service at a hotel. The system includes a plurality of drinking water dispensers provided in guest rooms of the hotel. The system further includes a computer program running on one or more computers of the hotel and configured to manage the in-room drinking water service. In the system and method, when providing of the service in a particular guest room is confirmed, the computer program coordinates charging a fee to an account of the particular guest room for the service.11-17-2011
20100198707Replicating Data in Financial Systems - Systems and methods for replicating data communicated over a network. According to one embodiment, among several embodiment, a data replication system includes a first interface table and a first application associated with a first computing system. The first application is configured to transfer data into the first interface table. The data replication system further includes a first replication module, which is also associated with the first computing system. The first replication module is configured to replicate data from the first interface table into a second interface table associated with a second computing system via a network. The data replication system also includes a second application and a second replication module associated with the second computing system. The second application is configured to transfer data into the second interface table. The second replication module is configured to replicate data from the second interface table into the first interface table via the network. Furthermore, the data replication system includes a web service module configured to check the contents of the second interface table before the first application performs a specific processing operation.08-05-2010
20090319405AUDITING SYSTEM AND AUDITING METHOD - An auditing apparatus in an auditing system receives entire logs including a hashed log in which a log about another customer is hashed by a one-way function, and a log of a subject customer from a log storage server of a center. The center receives all the management logs, and the auditing apparatus generates a management log in which all the logs of the subject customers are hashed among the received management logs, and receives the entirely hashed management log from the hashed log publishing sever of the center. The auditing apparatus compares the management log hashed by itself, and the received management log (hashed) with each other, and verifies log validity.12-24-2009
20090164347FUEL ACCOUNTING SYSTEM AND METHODS - Various embodiments of the present invention provide systems and methods for fuel accounting that enables an organization to verify that fueling being paid for has in fact been dispensed into their aircraft. In particular, various embodiments provide systems and methods to verify whether a particular fueling event occurred. In addition, various embodiments provide systems and methods to facilitate the front-end data capture of a fueling event by the organization operating the aircraft via a data pathway not under control of a fueling agent. Furthermore, various embodiments provide for systems and methods to allow an organization operating aircraft to verify fuel uplifted and fuel inventory over a selected period of time.06-25-2009
20120089491SYSTEM AND METHOD OF PROVIDING ENHANCED TRANSACTION DATA - A system and method is provided for processing financial transactions performed by an employee using an employer provided financial presentation device. The system includes a memory, a processor coupled to the memory; and a processing module executable by the processor. The processing module is adapted to process an authorization request from the merchant for approval of the financial transaction. The processing module receives the financial transaction data together with the related enhanced data during the authorization process, stores the financial transaction data and the related enhanced data in the memory, and sends the financial transaction data and the related enhanced data to a reporting computer so as to make them available for access by the employer on a timely, accurate and convenient basis.04-12-2012
20110302063Method and system for Repairing and Processing Sales Tracings Invoices in a Contract Management System - A system is disclosed for processing of electronic product order data from vendors and wholesalers based on pricing contracts specifying qualifying vendors, customers, products and pricing. Product order data is compared with a plurality of pricing contracts established by product manufacturers. Errors in the product order data are identified by comparing the product order data with pricing contracts and proposed or suggested solutions to the errors are compiled. Proposed error corrections in the product order data are electronically presented to manufacturers by way of a GUI computer interface so that acceptance of proposed solutions requires minimal analysis and feedback from the manufacturers. Where proposed error solutions are deemed erroneous, manufacturers are provided a GUI interface mechanism for manual keyboard entry of appropriate corrected data. Sales invoice data is reconciled, once errors are corrected, for automatic posting and payment of rebates to vendors or wholesalers based on pricing terms established in the contracts.12-08-2011
20110302062Management server and method of charging for printing - A method of charging for printing including setting a basic charge in the image forming apparatuses, receiving information about a recording agent installed in the image forming apparatus at predetermined intervals, determining whether or not the recording agent of the image forming apparatuses is replaced, based on the received information about the recording agent, counting a number of times the recording agent of the image forming apparatuses is replaced in a charging period, based on the determination as to whether or not the recording agent is replaced, and calculating a printing cost for the image forming apparatuses, using the counted number of times the recording agent is replaced and the basic charge as set.12-08-2011
20110288970 METHOD AND SYSTEM FOR ACCOUNTING FOR DOWNLOAD TRANSACTIONS AND SOCIAL NETWORK INTERACTION - The invention is a method and system for determining, within a social networking system, a royalty to be paid for use of a file. The method begins with the embedding of license data within the file to be played. A scanning routine is initiated for scanning the file to determine a set of permitted uses. If the file meets the pre-determined use criteria, then it can be played by a player device within a specified territory. A register is maintained to record each instance that the file is played, and to aggregate a set of total instances. A calculation routine, is utilized to determine a royalty in respect of the license parameters and associated metrics. The royalty is also determined by territory and device type. After having been calculated, the royalty is assigned to a label account and accumulated until a payment is made in respect of the accumulated royalty.11-24-2011
20110288971DISTRIBUTED DIGITAL RIGHTS MANAGEMENT NODE MODULE AND METHODS FOR USE THEREWITH - A digital rights management (DRM) node module for use in a node of a public data includes a node data module that stores DRM data associated with a plurality of digital files, the DRM data including a plurality of DRM identifiers. A packet monitoring module receives the plurality of DRM identifiers from the node data module, that receives packets containing incoming content and compares the incoming content to the DRM identifier, and generates event data when the incoming content matches at least one of the DRM identifiers. A node reporting module receives the event data, and generates node report data based on the event data.11-24-2011
20110288969ASSET RECORD OWNERSHIP SYSTEM - A computer system adapted to implement a method for creating and interacting with an Asset Record Container (ARC), the method comprising providing an information container representing a piece of real property identified by a unique identifier, providing an information transaction history representing information related to the input and output of the real property information stored by the ARC, providing an ARC web portal manager adapted to allow the owner of the real property represented by the ARC to manage access to the real property information and allowing for communication and integration with third party applications, providing access to the ARC according to the plurality of ARC access rules of the ARC web portal virtual manager; and providing a payment transaction processing system adapted to handle receipt and payment of transaction fees relating to creating and interacting with the ARC.11-24-2011
20110288968PROCESSES AND APPARATUS TO GENERATE CROSS CHARGE AND RECOVEIES FOR SHARED SERVICE CENTERS - Aspects of the present invention provide tools and techniques that facilitate the process of accounting for shared services in an enterprise application. More specifically, in some aspects, certain embodiments employ a service provider model that codifies best practices in accounting for shared services and makes these practices part of setting up the shared service center, clients and outsourced business functions within an enterprise application. In an aspect, one set of embodiments uses the formal definition of service provider and client relationships between business units for the provision of specific business functions to generate cross charges to the client business unit and recoveries to the service provider business, unit based on the proportion of total service provided to the client.11-24-2011
20110288967Card-Based Banking - A payment device may be issued that is user generic and allows for the payment of billing accounts by storing billing account information in association with the payment device and/or an underlying funding account. In one example, the payment device might not store any user identification information. Upon receiving a bill payment request, a bill payment device may retrieve bill payment account information from a remote financial institution system (e.g., for a financial institution holding the payment device funding account) or from the payment device. The bill payment accounts may then be displayed for user selection. Payments may then be electronically transferred to a payee associated with the bill payment account.11-24-2011
20110078060METHOD FOR IMPLEMENTING A WIRELESS LOCAL AREA NETWORK (WLAN) GATEWAY SYSTEM - The invention of present provides for a real-time authentication and billing gateway for WLAN traffic. Notably, the improved method for implementing a Wireless Local Area Network (WLAN) gateway system enables telecommunications network operators (and like entities) to rate and bill for services accessed by the wireless user. The logic of the invention supports and furthers the art in regards to advanced real-time rating/billing in addition to providing for a variety of replenishment mechanisms for casual users via pre-paid vouchers and credit cards.03-31-2011
20120016783Negative Balance Management - A system, apparatus, and method for managing account data for accounts having a negative balance. The invention embodiment includes a method, process or workflow for processing data for accounts associated with a debit, credit, pre-paid card or other form of financial instrument that have a negative balance. The data processing includes application of issuer criteria or filters to determine if certain of the accounts having a negative balance are not suitable for chargeback processing and instead may be processed in bulk, thereby reducing administrative and data processing overhead. For each account that is potentially eligible for chargeback processing, the invention embodiment accesses the account data and determines if the data supports initiation of a chargeback procedure for one or more transactions described by the account data. If the account contains one or more transactions that are eligible for chargeback processing, then a provisional credit in the amount of the one or more transactions may be applied to the account.01-19-2012
20090089188METHOD AND SYSTEM FOR MESSAGE NOTIFICATION - Methods and systems for message notification are described. A video message is received from a source access device. A selection of a target user may be received for the video message. A message notification of availability of the video message for a target access device associated with the target user may be provided.04-02-2009
20110295726CALENDAR SPREAD FUTURES - A calendar spread futures contract is a forward contract on the intermonth spread of futures contracts. The calendar spread futures contract can be independently traded and accounted for independent of the traditional roll periods of the complementary futures contracts. An open interest holder can hedge against price volatility in the related futures contracts that may occur prior to or during the roll period. In other words, the calendar spread futures contract locks in the current spread between the front-month contract and the first-deferred contract. Buying a calendar spread futures control is equivalent to buying the spread difference between the expiring contract and the second expiry. Selling a calendar spread futures contract is equivalent to selling the spread difference between the expiring contract and the second expiry.12-01-2011
20110295725METHODS AND APPARATUS FOR AUTOMATED DEPOSIT RECONCILIATION - Methods and apparatus for reconciling bank transactions with stored deposit entries in a practice management system. A plurality of bank transactions received from a bank are processed to select bank deposits from the plurality of bank transactions. A plurality of matching rules are used to automatically match at least some of the selected bank deposits with the stored deposits in the practice management system. A user interface enables a user to review the results of the automatic matching process and to manually match bank deposits to stored deposit entries. The user interface also enables users to reconcile stored deposit entries in the practice management system to bank statements to facilitate the preparation of month-end financial statements.12-01-2011
20120022980System and Method for Managing Postal Accounting Data Using Transient Data Collectors - Methods and systems using a single centralized database to manage postal accounting data are provided. The central database may interface with remote postal meters by way of one or more transient data collectors, which cache data from associated meters and transmit the data to the central database. The data collectors also validate postage accounts to the associated meters. The use of local transient data collectors allows for a single centralized database to be used without requiring data replication among databases local to each computer that manages postal meters.01-26-2012
20110302065Method of Providing a Digital Asset for Distribution - Digital assets are provided for distribution within an electronic network. The digital asset includes digital content that is associated with a digital rights holder. A serial number is provided for (embedded within) the asset; this number uniquely identifies a first introduction of digital asset for distribution within the electronic network. The asset is then posted in a number of locations so that it can be distributed to users. A transaction database is updated to reflect occurrences of different instantiations of the asset.12-08-2011
20110302061System and Method of Providing Spending Information by Foreign Visitors Using Transaction Records of Financial Presentation Devices - A system for providing spending information in a locality by foreign visitors using transaction records of financial presentation devices such as credit and debit cards that are presentable to merchants is disclosed. A storage device stores transaction data generated from card transactions. A transaction analysis module executable by a processor generates a filtered set of transaction records that exclude, from the stored data, a set of transactions which are indicative of having been made by long term residents of the locality, rather than by residents of foreign regions, in order to improve the accuracy of true foreign visitors to the locality. For example, the system filters out from the database all transactions of accounts that have made a bill-pay transaction. As another example, the system filters out non face-to-face transactions and all transactions with mail order and catalog merchants, and schools. Based on the filtered data, the transaction analysis module generates a spending report containing an aggregated amount of the transactions for each foreign region of the holders who have performed the transactions in the locality.12-08-2011
20080215465Sales Transaction Hub - In a computer-implemented method for processing a sales transaction, an un-audited sales transaction is received from a sale generator, and temporarily stored in a memory location and forwarded to a transaction auditor to audit the sales transaction and to a plurality of backend processors to begin processing the sales transaction. An audited sales transaction is received from the transaction auditor, where the audited sales transaction is an audited version of the un-audited sales transaction. The audited sales transaction is correlated with the un-audited sales transaction using the temporarily stored un-audited sales transaction, and a resultant sales transaction that includes information from the audited sales transaction is generated. The resultant sales transaction is transmitted to the plurality of backend processors to continue processing the sales transaction.09-04-2008
20120191581Revenue Assurance Analytics - A system and method of revenue assurance for a service activity are presented. Multiple data feeds are received by a revenue assurance analytic system, where each data feed contains the same logical component of the service activity. The multiple data feeds are processed to detect revenue assurance issues in the service activity based on one or more common linking keys between disparate records related to the logical component.07-26-2012
20100138328CHECK PROCESSING AND CATEGORIZING SYSTEM - A method for processing checks includes capturing check data from a check with a capture device of a check processing system, where the check data includes payee information. A category of the check is identified based at least in part on the payee information. A user account is updated with the category and at least a portion of the check data. A first edit to the check data is received from a user. A handwriting profile of the user is updated based on the first received edit. The handwriting profile is used to improve the accuracy of subsequently captured check data.06-03-2010
20100005014System and method for providing cost transparency to units of an organization - A system and method provide transparency of costs allocated to a unit of an organization. The method includes steps to receive asset information for an application at a cost transparency engine and identify a direct dependency of the application and an indirect dependency of the application using the asset information for the application. An infrastructure cost for the application is determined based on the direct dependency, the indirect dependency, component consumption by the application, and a unit cost of a service supporting the component. A report is generated, via a reporting tool, presenting the infrastructure cost for the application.01-07-2010
20100063904AUTOMATED TRAVEL LOG SYSTEM - The invention is a tracking module for a vehicle operable to record business trips for producing mileage reports. The tracking module includes a processor, a power unit, a GPS receiver, operable to periodically determine the vehicle's location based upon GPS readings, a memory unit, and a transport interface, operable to connect to a base station and transmit the data records to the base station. Error correction is provided during periods of poor GPS reception using existing data records. The tracking module includes user input, operable to put the tracking module into a business mode while the tracking module is still in the vehicle wherein subsequent locations, the distance between the subsequent locations and the time of travel is logged in a data record and flagged as a business trip. From the base station, mileage reports can be edited and transmitted across the network to other financial servers.03-11-2010
20090006227SYSTEM AND METHOD FOR GENERATING CONSOLIDATION INDICATORS - A investment portfolio accounting system and method are provided. The system determines the percentage ownership in a number of investment securities. The system flags securities according to predetermined accounting and business rules. Consolidating or derecognizing the security with others interests is also determined by the system in accordance with predetermined rules. In one example, the accounting system flags (or communicates) a determination to consolidate according to percentage ownership. System reports generated by the accounting system are chronicled in a reporting database for downstream accounting systems.01-01-2009
20100036759Content Provisioning and Revenue Disbursement - A method for provisioning content to users, including for each of a plurality of items of media content, maintaining information about one or more owners of the item of media content, and maintaining information about one or more providers of the item of media content, for each of a plurality of users, maintaining information about items of media content acquired by the user and about player devices owned by the user, for each of a plurality of time periods, maintaining a history log of items of media content played by one or more of the plurality of users during the time period, receiving a request from a user to play a designated item of media content on a designated player device, during a current time period, identifying an appropriate provider of the designated item of media content, according to a location of the user and according to the designated player device, causing the identified provider of the designated item of media content to transmit the designated item of media content to the user's designated player device, updating the history log for the current time period to reflect the user having played the designated item of media content, and calculating revenue disbursement among the owners of the plurality of items of media content, and the providers of the plurality of media content, for the current time period, based on the history log of the current time period. A system is also described and claimed.02-11-2010
20100036757ELECTRONIC CREDIT DEFAULT FUTURES MARKET - Systems and methods are provided for providing a credit default futures market. A system providing the credit default futures market includes a processor, memory and an interface. The interface is configured to display credit default futures contracts that subscribe to a set of standard terms and conditions. The processor is configured to settle certain credit futures contracts in kind and other in cash, depending on, at least in part, the maturity date of the futures contract. A method is presented for electronically clearing and settling probability of default futures contracts.02-11-2010
20110320324BIO-PHOTONIC FEEDBACK CONTROL SOFTWARE AND DATABASE - A process, apparatus, and method for computerized detection, tracking, and feedback control of nutritional supplements in an animal, including humans relies on Raman scattering effects on skin or other tissues to determine the content of carotenoids or other nutrients as evidenced in that skin. Serum levels of nutrients may vary dramatically with time, but skin tissues may average such nutrition over time. Skin and other tissues may be scanned with light to produce accurate measurements of carotenoids or other nutrients accumulated in the skin based on the Raman scattering affect of those nutrients in the skin. A score can be derived from a properly calibrated bio-photonic scanner to reflect an averaged effective uptake of the detected nutrient (e.g. such as the carotenoid example). This feedback control is thus much more immediate than any anecdotal, long-term, report of general well being, which would vary so much between individuals as to be nearly impossible to ascertain on an individual level, and difficult, invasive, and expensive to determine individually in a conventional clinical procedure.12-29-2011
20110218893System for Associating Financial Transaction Data with User's Project Data - This invention relates to an expense reporting system for viewing and manipulating a user's financial transaction data and a method for associating financial transaction data with a user's project data. The system includes a user's financial transaction data hosted in a data storage unit, addressable on a network, and accessible by a remote user on a user interface unit having a user input means and a display; and an expense reporting module having a graphical user interface (GUI) that allows a user to define project category data and associate representations of the user's financial data with the user-defined project category data.09-08-2011
20110218892Account management apparatus and method of managing account - An apparatus to manage an account is provided. The account managing apparatus includes an account management unit which manages a user account of at least one user who uses an image forming apparatus, a storage unit which stores guest information related to the user account, a guest account generating unit which generates a guest account dependent on the user account based on stored guest information and the user account when a request to generate an account to use the image forming apparatus is received from a guest, and a control unit which controls the image forming apparatus according to a generated account policy.09-08-2011
20110218891DISPLAYING PREPAID ACCOUNT INFORMATION AT MOBILE STATION - A prepaid mobile station (09-08-2011
20090276344Field 55 parser - A payment device, method, and apparatus configured to parse customer exclusive data from a payment device or financial transaction data.11-05-2009
20090187499System, Method and Computer Program Product for Providing Demand Response Functionality - A system, method and computer program product for providing demand response in a power grid is provided. In one embodiment, the computer system may include a first module configured to store user profile data for a plurality of users in memory and wherein user profile data includes load shed participation data for at least some of the plurality of users, information identifying one or more load control devices associated with each of the plurality of users, and location data of a premises associated with the user. The system may include a second module configured to select a multitude of the users based, at least in part, on the load shed participation data of the profile data, a third module configured to transmit a first control message to a load control device of the selected users, wherein the control message comprises a request to reduce a load.07-23-2009
20090177561Method and System for Statement of Cash Flow - The present invention relates to a method and a system for providing a statement of cash flow and supplementary statements of the statement of cash flow, especially the method and the system for automatically providing the statement of cash flow by direct method, the method and the system for automatically providing the statement of cash flow by indirect method, and the method and the system for automatically providing the supplementary statements of the statement of cash flow.07-09-2009
20100114741SYSTEM AND METHOD FOR PROVIDING AN IMPROVED DATA SCHEMA VIA ROLES AND USES - A system and method for providing an improved data schema for representing financial transactions using data relationships based on financial transaction information is provided. Instead of relying on financial transaction documents for financial transaction information, the underlying data and their relationships are used to represent the financial transaction information. For example, each entity involved in a financial transaction may be represented separately. Furthermore, each entity may be associated with a role played by the entity in the financial transaction and entity type that describes the type of entity. Relationships in which the entity may be involved may depend upon this and other information. In this manner, for example, financial transaction information from a loan application document may be used with financial transaction information from a deposit account document in order to generate another financial transaction document even though the loan application document uses different terminology than the deposit account document.05-06-2010
20110125620METHOD FOR MAINTAINING CONTINUITY OF 'DIAMETER' PROTOCOL-BASED ONLINE CHARGING - The present invention relates to a method for maintaining continuity of Diameter online charging. The method comprises the following steps: a) initializing, when a user is moving, the relocation of a prepayment client terminal from an old prepayment client terminal to a new prepayment client terminal, and implementing the re-authentication of a mobile station at the new prepayment client terminal; b) transmitting the context information of an old Diameter online charging session from the old prepayment client terminal to the new prepayment client terminal after the re-authentication has been successfully completed; c) transmitting an initial credit control request (CCR) message comprising the identification of the old Diameter online charging session from the new prepayment client terminal to a prepayment server for continuing the old Diameter online charging session, and request for a quota by a prepayment proxy to the prepayment server via the new prepayment client terminal; and d) disconnecting the old connection between the old prepayment client terminal and the prepayment server.05-26-2011
20090150271Systems and Methods for Authorizing an Allocation of an Amount Between Transaction Accounts - A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also enables the allocation of a portion or all of a charge or loyalty points to different transaction accounts issued by different issuers, or to sub-accounts.06-11-2009
20090150265System and Method for Associating Financial Transaction Data with a User's Project Data - This invention relates to an expense reporting system for viewing and manipulating a user's financial transaction data and a method for associating financial transaction data with a user's project data. The system includes a user's financial transaction data hosted in a data storage unit, addressable on a network, and accessible by a remote user on a user interface unit having a user input means and a display; and an expense reporting module having a graphical user interface (GUI) that allows a user to define project category data and associate representations of the user's financial data with the user-defined project category data.06-11-2009
20090150266Buyer Routing Arrangements and Methods for Disparate Network Systems - Electronic transaction data sets are processed for a multitude of disparate transactions using a plurality of autonomous payment networks. A software-programmed computer circuit receives and processes electronic transaction data to identify a buyer using information provided in the transaction data, and uses the identification to access buyer profile information for selecting one of a plurality of networks. In this context, a buyer can be identified using one of a plurality of identification approaches (e.g., different account IDs), and such identification can be used for retrieving and using electronic profile data to select a payment network for the buyer, which may be completely independent from the identification. Payment data is accordingly configured so that the selected network can receive and process the data, such as by configuring the data into a network-specific format and/or communicating the data using network-specific protocols. The configured payment data is transmitted to the selected payment network, for use in effecting electronic payment for the transaction.06-11-2009
20090150268EXCEPTION NOTIFICATION SYSTEM AND METHOD - A system and method for distributing prepaid cash alternatives and resolving exceptions related to the sale of prepaid cash alternatives such as traveler's cheques or prepaid cards. Reports of sales may be reviewed to identify exceptions, and information explaining the exceptions may be made available electronically. Sellers may be notified of exceptions by e-mail, which may include a link or address to information explaining the exceptions. The information may be provided in real time through a secure site on a network, such as the Internet. A company may contract with business partners to sell the prepaid cash alternatives to customers, and the business partners may report the sales to the company via reports. After being notified of exceptions, business partners may provide corrected information or new information to resolve the exceptions.06-11-2009
20090150270Systems and Methods for Suggesting an Allocation - A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also enables the allocation of a portion or all of a charge or loyalty points to different transaction accounts issued by different issuers, or to sub-accounts.06-11-2009
20090150269Systems and Methods for Approval of an Allocation - A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also enables the allocation of a portion or all of a charge or loyalty points to different transaction accounts issued by different issuers, or to sub-accounts.06-11-2009
20090150267SYSTEM AND METHOD FOR MONITORING THE STATUS OF ITEMS SUBJECT TO LIENS - A computer-implemented system and method for monitoring the status of an item subject to a lien, comprising receiving registration information associated with the item subject to the lien, including at least one identifier uniquely associated with the item. The registration information is stored in a record associated with the item within an item database. Data about the item is received over a communications network from at least one information source based on the unique identifier associated with the item. The received data is compared to the stored registration information to determine whether the status of the item has changed. The database record is updated to reflect a change in status of the item and a notification is automatically generated to a holder of the lien when the status of the item has changed.06-11-2009
20110264568SYSTEM AND METHOD FOR IN-ROOM DRINKING WATER SERVICE IN A HOTEL - Disclosed is a system and method for providing an in-room drinking water service at a hotel. The system includes a plurality of drinking water dispensers provided in guest rooms of the hotel. The system further includes a computer program running on one or more computers of the hotel and configured to manage the in-room drinking water service. In the system and method, when providing of the service in a particular guest room is confirmed, the computer program coordinates charging a fee to an account of the particular guest room for the service.10-27-2011
20090048950System and method for managing site audit information of facilities - A system and method for managing site audit information may include a storage unit and a data repository stored on the storage unit. The data repository may be configured to store site audit information that includes site audit information of multiple facilities. A processing unit may be in communication with the storage unit and be configured to aggregate the site audit information stored in the data repository. A user interface may be configured to display the aggregated site audit information.02-19-2009
20110099097CHARGING FOR SERVICES IN A COMMUNICATION NETWORK - A method of charging for services in a Session Initiation Protocol-based communication network. A Server that provides a service receives a first request message from a user. In response, the server sends the user a restricted address via which services can be obtained. The user sends a second request message to an intermediate network, the second request message including the restricted address where the intermediate network has a trust relationship with the Server. A user identifier associated with the user is authenticated at the intermediate network, which then sends to the Server a third request, the third request including an identity of the user and the restricted address. The Server sends a response message, which includes credentials that the user can use for obtaining the requested service from the restricted address. The intermediate network charges the user for the requested service, and sends the credentials to the user, thereby allowing the user to access the service.04-28-2011
20120036051APPLICATION ACTIVITY SYSTEM - A data connection method for establishing a data connection between a bandwidth user (an application user) of a network connected access device and target content on a network connected target device over a communication network where the application user's bandwidth consumption activities incur a bandwidth usage charge from the network operator providing the bandwidth connection, and may comprise providing a subsidized application to the bandwidth user that is capable of utilizing subsidized bandwidth as paid for by the application provider as it accesses such target content on a target device, as well as comprise an identification code associated with both the subsidized application and the provider of such subsidized application; further allowing the application user access to at least one specified online data address to access target content hosted on at least one target device pre-determined by the application provider; and monitoring and recording the online access activity of such subsidized application and providing to a registry the recorded online activity as well as the identification code associated with the subsidized application and the identification code associated with the access device.02-09-2012
20120036050STRUCTURING METHOD AND ASSOCIATED MODELING SOFTWARE FOR TAX CREDIT INVESTMENTS THAT WILL GENERATE POSITIVE EARNINGS BEFORE INCOME TAX DEPRECIATION AND AMORTIZATION (EBITDA) UNDER GENERALLY ACCEPTED ACCOUNTING PRINCIPALS (GAAP) - Low-income housing projects generate federal low-income housing tax credits. Previously, due to numerous impediments, investing in tax credits results in a negative, or at best a neutral effect on the investor's EBITDA for financial accounting purposes. The present invention relates a method that allows for a more efficient syndication of the available tax credits that generates positive EBITDA to investors at a lower cost.02-09-2012
20100082462METHOD AND SYSTEM FOR AUTHENTICATION VIA COMMUNICATION TERMINAL USING SHORT MESSAGE - The present invention discloses a method and a system for authentication via a communication terminal using short messages, in order to solve the problems that the content of a short message is easy to be leaked out by a proxy SP and that the loss and delay of a short message may lead to repeating user payments. The method includes: sending, by the communication terminal to a payment system via an SP1, a short message payment request including a payee's account identifier and a payment amount; creating, by the payment system, a payment record corresponding to the request and sending verification information to the communication terminal via an SP2, the verification information including the payee's account identifier and the payment amount; replying, by the communication terminal, confirmation information to the payment system via the SP2, upon confirming that the payee's account identifier and the payment amount in the verification information are correct; and performing, by the payment system, a payment operation. The present invention uses a dual channel (SP1 and SP2) asynchronous transmission mechanism. The situation where any one of the channel is illegally controlled and thus short message information is leaked out can be prevented and the user can cancel a repeated payment in confirmation of the payment.04-01-2010
20100088203WASTE MANAGMENT SYSTEM FOR ASSOCIATING REFUSE BINS TO CORRESPONDING USERS - A waste management system for associating a collected refuse bin with a corresponding user of that bin. The system comprises a GPS tracker unit on-board a collection vehicle for recording the GPS co-ordinates of each refuse bin during refuse collection therefrom by the collection vehicle. A central server is configured for communication with each of a plurality of collection vehicles so that the GPS co-ordinates of each refuse bin collected during a refuse collection may be communicated to the central server. The server is further configured to effect a datastore lookup for comparing the GPS co-ordinates of the collected refuse bins with pre-recorded geographical data of a plurality of users for associating each refuse bin to a corresponding user.04-08-2010
20100082463Method for Tracing Non-Payers - The invention relates to a method for digital tracing of non-payers. The method comprises at least the steps, performed under the control of a platform server via a digital network, of a monitoring party scanning number plates of vehicles with a suitable input device; requesting information from a database of number plates and non-payers; sending the status data relating to the debt position of the vehicle owner to the input device, and immobilizing the vehicle as the case arises. The invention also relates to a computer program comprising program instructions for a computer to execute the method, and a computer adapted to execute such a computer program.04-01-2010
20100082461ASSOCIATING A FOREIGN CURRENCY WITH AN ACCOUNTING OBJECT - Some embodiments of the present invention provide a system that automatically associates a foreign currency with an accounting object. First, a name is received from a user. Next, an association between the name and the foreign currency is determined, wherein the foreign currency is different from a home currency. Then, the accounting object is automatically associated with the foreign currency associated with the name.04-01-2010
20090240607Payroll processing, certification, reporting & project management system and method - A business method and process directed to enabling an employer who contracts with one or more government agency or with concurrent private and public works activities to process payroll on contract-specific bases in order to: generate certified payroll records for predetermined intervals; provide alerts and reports allowing said contractor to anticipate compliance vulnerability and choose real time manpower adjustments; provide evidence of meeting and exceeding government objectives as well as managing the assignment of personnel to enhance worker cooperation, spirit, and hence, morale.09-24-2009
20090144180AUTOMATED BUSINESS SYSTEM AND METHOD OF VENDING AND RETURNING A CONSUMER PRODUCT - System and method of dispensing disc-based media and other consumer products. A user can interact with an automated business system to select disc-based media for rental and/or purchase. The automated business system can retrieve the selection from the interior of the automated business system and dispense the selection through a port to the user. The automated business system can retrieve the selection from the port in a return process.06-04-2009
20090204517INTERCOMPANY ACCOUNTING DATA ANALYTICS - Methods and apparatuses enable finding and resolving intercompany (I/C) transaction issues in accounting data for a corporate enterprise. A data management tool receives general ledger data that defines intercompany account balances for multiple business entities of the corporate enterprise. The data management tool identifies a trading relationship and a currency relationship between two business entities of the corporate enterprise. The data management tool groups account balances based on the identified trading relationship and currency relationship. The data management tool generates one or more reports or indicators that indicate the grouped account balances.08-13-2009
20090177563AUTHORIZATION REFRESH SYSTEM AND METHOD - Limited use account identifiers or secondary account identifiers are enabled with refresh capability. The refreshable account identifiers are used in financial transactions and, specifically, in transaction situations where multiple and/or duplicate authorization requests occur for the same or related transactions. The limited use account identifiers may be used by intermediaries that coordinate the purchase of an item for a buyer. The intermediary also coordinates with the merchant to verify availability of the item, provides the merchant with the refreshable limited use account identifier and provides the purchaser with a confirmation number.07-09-2009
20100088202Handling of Charge Fees On Debt Funded Account Card - Systems and methods of providing loans are presented. A borrower can obtain a loan where the loan is deposited into an account accessible through an account card. The borrower can participate in a transaction fee reimbursement program where transaction fees incurred through the use of the account card can be reimbursed, possibly by the lender of the loan.04-08-2010
20090089191Control Spending Based on Time Period - A system and method for processing user programming request are described. A request entered by a user is detected. An entry for a time period based user spending limit is provided, in respond to the entered user request. The time period based user spending limit entry is received by the system and system tracks the user spending during the time period. In another embodiment, more than one spending limit, corresponding to different time periods, may be entered.04-02-2009
20090089189METHODS AND SYSTEMS FOR MANAGING SURPLUS ASSETS - Systems and methods are disclosed for managing assets in an entity having sub-entities, in which a sub-entity acquires or produces assets. The systems and methods include identifying an asset of the sub-entity to be a surplus asset, determining an offset value receivable for transfer of the asset to a client, and providing the asset to the client in exchange for an offset credit.04-02-2009
20090276340System and method for accounting gateway - The present invention provides an accounting gateway for facilitating and effecting translation and efficient data transfer between an accounting system and a plurality of client systems operating a variety of external bookkeeping solutions. The gateway brokers data exchanges between an accounting firm and its clients by translating data records associated with a client bookkeeping solution and in an external format into a format for use by an accounting software at the accounting system, such as for generating reports, financial statements and other processes and uses. An accounting system communicates with one or more client systems via a communications link to import, export or access data records between the entities to enhance provision of professional services.11-05-2009
20090276341SYSTEM AND METHOD FOR AUTOMATED CUSTOMER ACCOUNT CREATION AND MANAGEMENT - A method and system to automatically create and manage patron accounts using electronic data capture at an automated machine or kiosk, including electronically obtaining personal patron identification information from a patron identification source, such as a driver's license, determining if a patron account exists and if the identification source has expired and updating any existing patron account with the captured data. If the patron identification source is current and no account exists, a temporary account is created and a temporary patron account card supplied to the patron along with promotional offers. Patron activity is monitored at the location and used in creating a permanent patron account for providing additional offers, bonuses, and the like to the patron.11-05-2009
20090281935Method and apparatus for efficient handling of product return transactions - A method and apparatus for efficient handling of product returns to reduce associated costs. A computer system at a regional product return center scans a returned product for identifying information, accesses a manufacturer return approval computer system through the internet or the like, and then submits the identifying information to the manufacturer for return approval. The manufacturer computer system utilizes the identifying information to access an electronic registration database to determine whether the returned product satisfies applicable return criteria. If so, the product is approved for return to the manufacturer. The regional product return center preferably scans a plurality of returned products in a single session. In response to the product identifying information submitted by the regional product return center, the manufacturer provides a list of approved returns and unapproved returns, along with a return authorization number for the batch of approved returns. The regional product return center then assembles the approved product returns into a box, shipping pallet, or the like, applies a label indicating the return authorization label, and ships the batch to the manufacturer. Shipping costs can be saved by omitting rejected product returns from the shipment. The manufacturer can handle the approved product returns from the regional return center as a batch, thereby reducing costs.11-12-2009
20090281933VALUE MANAGING DEVICE AND VALUE MANAGING METHOD - Numeral values relating to depletion can be managed in real time on a component-by-component (unit-by-unit) basis. A value managing device is provided, and manages the current asset values of constituent elements by reading identification information from IC tags or the like attached to constituent elements (e.g., components, units, parts) constituting a game-playing machine and storing identification information (e.g., part IDs) for uniquely identifying the constituent elements. The value managing device includes: a storage section storing the dates of acquisition and acquisition prices of the constituent elements in association with the identification information; and a value computing section for computing the current assets of the constituent elements from the dates of acquisition and acquisition prices of the constituent elements corresponding to the identification information read from the IC tags or the like.11-12-2009
20090292630Transaction Accounting Auditing Approach and System Therefor - Accounting data is classified to facilitate transaction processing and management. According to an example embodiment, data based rules are implemented for classifying transaction-related data into accounting categories. Accounting information is processed as a function of the data based rules and accordingly automatically classified. This processing involves, for example, the identification of particular data based rules to apply to the accounting information, applying the rules and processing the information accordingly.11-26-2009
20080275797Nonprofit organization residual merchant account contribution system and method - A system and method whereby certain nonprofit entities and/or their business contributors may recover portions of certain fees currently being paid in the normal and regular in their course of doing business. These recovered fees may then be used as essentially automatic contributions to qualified IRS 501(c)(3) organizations, or public charities described in Internal Revenue Code Section 509, or agencies which operate for the public good (e.g., disaster relief, homeless shelters, support groups such as booster clubs, etc.) (such eleemosynary organizations all being referred to herein generally just as non-profit entities). This system and method is termed “Non-profit Organization Residual Merchant Account Contribution” (NORMAC).11-06-2008
20120143732COMMUNICATIONS TECHNIQUES FOR AN INTELLIGENT DIGITAL AUDIOVISUAL REPRODUCTION SYSTEM - Method for communication between a central server and a computerized juke-box which operates in a conference mode, including: sending a header before any transaction, which includes the identity of the destination together, the identity of the emitter, and the size of the packets; responding from the server in the form of a data packet, each packet sent by the server being encoded using the identification code of the juke-box software; and receiving a data packet by the juke-box, which decodes the packet, simultaneously performs a check on the data received by the CRC method and sends an acknowledgement of receipt to the server indicating the accuracy of the information received, to allow it to prepare and send another packet to the juke-box.06-07-2012
20110208621Carbon Neutrality Management - A computer implemented method and system is provided for achieving carbon neutrality. A service provider creates an emission reduction project plan for generating carbon emission reduction credits. A verification entity verifies compliance of the emission reduction project and generates a verification report. A certification entity authenticates the verification report and generates a certification report. A custodial financial institution reviews documents and title to rights and deposits carbon emission reduction credits into the service provider's carbon credit trading account based on the certification report, the verification report, and title documentation. The service provider creates carbon neutral products with unique identifiers using the carbon emission reduction credits in the pre-created carbon credit trading account. An end user can retire the assigned carbon emission reduction credits by registering their details and the details of their purchase with the service provider using the unique identifier of a purchased carbon neutral product.08-25-2011
20090313149BUDGETARY LEDGER - A system and method for maintaining budget related transactions in a financial management system. A financial management system may include a general ledger to maintain account balances and a budgetary ledger to maintain account balances only for budget related transactions. The budgetary ledger may generate a budgetary ledger document, which contains budget related transactions. The budgetary ledger may further include a core to enable generation of the budgetary ledger document, and an extension to define rules associated with generation of the budgetary ledger document. The budgetary ledger may then post the budgetary ledger document to the general ledger.12-17-2009
20090313148SYSTEM FOR HANDLING NETWORK TRANSACTIONS - The present invention relates to a method of enabling a computer network transaction for a product being purchased by a buyer from a seller, comprising the steps of generating a once-only transaction identification means associated with the transaction, providing the transaction identification means to a transaction acquirer, together with a buyer identification means which identifies the buyer to the transaction acquirer, and providing the once-only identification means to the seller, whereby the seller may provide the transaction identification means to the transaction acquirer and the transaction acquirer can match the transaction identification means received from the seller with the transaction identification means they have been provided with and, if they match, can enable settlement of the transaction.12-17-2009
20090313147ALTERNATIVE PAYMENT IMPLEMENTATION FOR ELECTRONIC RETAILERS - A method of processing a transaction between a merchant and a buyer over a communication network is provided. The transaction is processed using one of a plurality of alternative payment options and each of the alternative payment options are provided by one of a plurality of alternative payment providers. Each of the alternative payment providers uses a different alternative payment implementation. The method includes: obtaining transaction information from the merchant; returning a redirection URL and an order identifier to the merchant; obtaining a transaction message from the merchant, where the transaction message specifies the type of operation; performing the operation type specified in the transaction message with the appropriate alternative payment provider; and returning a processing message to the merchant containing the results from performing the operation type specified in the transaction message.12-17-2009
20090313146PRIVATE SECTOR COIN CONSORTIUM - Apparatus and methods for distributing coins in a coin distribution system. Coins may be distributed among members of a coin consortium. Coins may be shipped from a first coin consortium member to a second coin consortium member based on a requirement to adjust a first coin inventory of the first consortium member and a second coin inventory of the second consortium member, respectively. Neither the first consortium member nor the second consortium member is the U.S. Federal Reserve Branch. Coins may be shipped from the second coin consortium member to the first coin consortium member based on a second requirement to adjust the first and second coin inventories.12-17-2009
20090313145ALLOCATING CARBON OFFSETS FOR PRINTING TASKS - Methods, services, program products and devices are provided for correlating carbon offsetting and printing. Methods comprise a requester initiating a print job on a printing device; analyzing the print job; identifying at least one print job metric relevant to the print job as a function of the analyzing, the metric associated with a carbon offset value; calculating a total amount of carbon offset from the identified at least one metric; printing the print job; and transferring the carbon offset total amount to a carbon offsetting entity for debiting or crediting against a printing entity as a function of the printing. Systems and devices and articles of manufacture comprising a computer usable medium having a computer readable program in said medium are provided. Service methods comprise deploying applications for correlating carbon offsetting and printing.12-17-2009
20090313144Limited Risk Wagering Environment - Disclosed herein is a computer implemented method and system for rendering returns to users on an online platform. The online platform allows users to wager stakes for an event. The wagered stakes are pooled in a combined pot. Stake groups of users are created based on predetermined outcomes of the event. A winning stake group is determined out of stake groups at completion of a predetermined period of time. Time frame groups are identified from the winning stake group based on time of entry into the event. The time value appreciated returns to be rendered to the time frame groups are calculated. If the allotment of the time value appreciated return is possible, winning stakes and the time value appreciated returns are rendered to time frame groups. If the allotment of time value appreciated returns is not possible, the winning stakes are returned to the time frame groups.12-17-2009
20100138327System And Method For Facilitating Unified Trading And Control For A Sponsoring Organization's Money Management Process - An embodiment of the present invention provides a system, method, process, software and standards that enable a unified trading and control process utilized by sponsoring organizations and asset managers (money managers) for sub advised or externally managed investment portfolios as to increase control over the trading process by a sponsoring organization, enhance regulatory compliance, substantially lower trading costs and improve investment performance on a recurring basis for the shareholders and beneficiaries investing in registered and non registered mutual funds and institutional investment portfolios.06-03-2010
20100138326Apparatus and method for providing transaction history information, account history information, and/or charge-back information - A computer-implemented method, including receiving information regarding an individual and information involving an account involved in a transaction, wherein the information regarding the individual is received by a receiver prior to a processing, a completion, a consummation, or a cancellation, of the transaction, processing the information regarding the individual with a processing device, generating a report or a message in response to the processing of the information regarding the individual, wherein the report or the message contains information regarding a charge-back regarding a previous transaction involving the individual, and transmitting the report or the message to a communication device associated with a merchant, vendor, or provider, of a good, product, or service.06-03-2010
20100138323FLEXIBLE CORRESPONDENCE SOLUTION ENHANCING STRAIGHT-THROUGH PROCESSING IN TREASURY SYSTEMS - A system and method for sending and receiving data between a treasury system and a partner/recipient. In an embodiment, the sending system selects an outgoing channel and an outgoing message format based on the data and a predefined profile associated with the recipient, creates an outgoing message by using predefined mapping rules associated with the profile to map the data to the outgoing message format, and transfers the outgoing message to the outgoing channel through an adapter corresponding to the outgoing channel, which is programmed to perform predefined sending functions corresponding to the outgoing message format. In an embodiment, the receiving system receives the data into a messaging interface within the treasury system, extracts the logical messages from the received data, selects an incoming message format based on the received data, creates an incoming message from each logical message by using predefined mapping rules associated with the incoming message format to map the logical message from the incoming message format to a predefined treasury system format, and performs a function based on each incoming message.06-03-2010
20120296783AUTOMATED COMMISSION PROGRAMS - A commission program can include an asymptotic component when calculating compensation for distributors. An asymptotic leg can extend to infinity without exceeding a target percentage. A distributor can be compensated based on selected distributors in the compensated distributor's downline. Recurring non-contiguous inclusion of distributors can be applied. A random component can be incorporated into the compensation program. The program can include innovative techniques going beyond conventional systems to better provide a balance between distributor motivation and sustainability of the program.11-22-2012
20080249902Process and system for automated collection of business information from a business entity's accounting system - There is provided a method, performed by a processor. The method includes obtaining accounting data from a first database, and sending the accounting data to a second database, wherein the second database is located remotely from the first database.10-09-2008
20080249901METHOD AND SYSTEM FOR AUTOMATED APPROPRIATION OF EMBEDDED SERVICES, SOFTWARE, AND COMPONENT AMORTIZATION - A system for unbundling revenue. In response to receiving an order for a product from a customer, a revenue bill of materials is determined for the ordered product. Amortization schedules are differentiated for revenue components within the bill of materials for the ordered product that require an amortization schedule. Then, each of the revenue components within the bill of materials are assigned to an appropriate revenue account.10-09-2008
20090063312Method and System for Processing Secure Wireless Payment Transactions and for Providing a Virtual Terminal for Merchant Processing of Such Transactions - A system and method for processing a wireless electronic payment transaction is described. One embodiment comprises receiving a transaction authorization request for an electronic payment transaction from a customer, the authorization request submitted from a mobile communication device of the customer; authenticating the transaction authorization request; authorizing the transaction authorization request and transmitting an authorization code to the mobile communication device, the authorization code being communicated to a merchant from the customer; receiving a transaction approval request from the merchant, the transaction approval request submitted from a virtual terminal associated with the merchant, the virtual terminal being a wireless communication device having a point of sale processing application installed therein; authenticating the transaction approval request; approving the transaction approval request and transmitting an approval code to the virtual terminal; and generating and executing transaction settlement instructions between a financial account of the customer and a financial account of the merchant.03-05-2009
20100274687CUSTOMER-DEFINED ACCOUNT MANAGEMENT RULES FOR IMPROVED LINKED FINANCIAL INSTITUTION ACCOUNT MANAGEMENT - Systems, methods, and computer program products are provided for customer-defined financial institution account management rules associated with linked financial institution accounts. The methods, systems and computer program products herein described allow the customer to define rules that maximize the customer's rate of return and/or minimizing the likelihood of insufficient funding of an account leading to an overdraft. Thus, poor utilization of cash in terms of excessive balances in non-interest bearing accounts or low-interest bearing accounts is minimized by automatically transferring, based on a customer-defined rules, the funds to a higher rate of return account. Additionally, managing a primary payment account, such as a checking or bill account, is addressed so as to ensure that funds are sufficient to cover the customer's expenditures.10-28-2010
20090171818ARCHITECTURAL DESIGN FOR EXPENSE REIMBURSEMENT APPLICATION SOFTWARE - Methods, systems, and apparatus, including computer program products, for implementing a software architecture design for a software application implementing expense reimbursement. The application is structured as multiple process components interacting with each other through service interfaces, and multiple service operations, each being implemented for a respective process component. The process components include an Expense and Reimbursement Management process component, a Due Item Processing process component, a Payment Processing process component, a Payroll Processing process component, and an Accounting process component.07-02-2009
20080228609Methods and Apparatus for Complementing User Entries Associated with Events of Interest Through Context - Data validation techniques are provided. For example, such techniques complement user entries associated with events of interest through context. In one aspect of the invention, a technique for processing one or more user entries associated with one or more events of interest includes the following steps/operations. Context associated with the one or more events of interest is obtained. At least a portion of the obtained context is associated with one or more user entries representing events of interest. At least a portion of the one or more user entries is evaluated, responsive to at least a portion of the context. An indication of the one or more events of interest is provided, responsive to the evaluation.09-18-2008
20080281732Battery Exchange Service System and Charging Method Therefor, and Portable Device - There is provided a service system that allows a user to charge and repeatedly use a secondary battery and exchanges a battery pack for a charged battery pack. There is provided a battery exchange service system in which a terminal is connected to a management server. The terminal includes an information obtaining unit that obtains battery information and user information; a charging and discharging unit that charges and discharges a battery pack; and a power information generation unit that generates information on an amount of electricity based on the charging and discharging by the charging and discharging unit. The management server includes a battery information database that stores battery information distributed in the battery exchange service system; a contractor information database that stores contractor information for the battery exchange service system; a battery information verification unit that verifies the battery information by the battery information stored in the battery information database; a user information verification unit that verifies the user information by the contractor information stored in the contractor information database; and a charge calculation unit that calculates a charge based on the information on the amount of electricity.11-13-2008
20080281733SYSTEM AND METHOD FOR AUTHORIZING ELECTRONIC PAYMENT TRANSACTIONS - A transaction authorization system comprises an authorization engine (11-13-2008
20080288375Media Distribution Reporting System, Apparatus, Method and Software - An exemplary media distribution reporting system is couplable through a network to a plurality of media players. The exemplary system comprises a memory storing a database having media usage data; and a second media reporting server, the second media reporting server coupled to the memory and adapted to receive from each media player, of the plurality of media players, corresponding data comprising a user identification, an identification of first media, an identification of a plurality of second media inserted into the first media, a date, a time, any user payment amount for the first media; the second media reporting server further adapted to combine the corresponding data from the plurality of media players to generate the media usage data; and the second media reporting server further adapted to generate a plurality of media usage reports for allocation of revenue and payment among a plurality of users, first media providers, and second media providers. Exemplary methods and software are also disclosed.11-20-2008
20100063905METHOD AND SYSTEM FOR PERFORMING BANKING TRANSACTIONS BY SIMULATING A VIRTUAL ATM BY MEANS OF A MOBILE TELECOMMUNICATIONS DEVICE - Method and system for carrying out all the transactions performable at an ATM, with the exception of provision of cash, by means of a mobile telecommunications device, specifically a third generation (3G) mobile telephone and the UMTS network. The system comprises the modules (03-11-2010
20100280925QUALITY CLICK PRICING - A method and system for providing quality click pricing is presented. An example system comprises a click monitor configured to monitor clicks originated from a web site of an affiliate, a post click activity monitor to monitor post click indicators of those users that originated any of the monitored clicks, a click value generator, an earnings per click module, and a compensation calculator. The click value generator may be configured to determine a click value for the affiliate, based on post click indicators. The determined click value may be provided to the earnings per click module configured to translate a click value into a per click earnings value for an affiliate. The compensation calculator may be configured to determine compensation of the affiliate based on the click value and a number of clicks originated from the web site of the affiliate during a certain period of time.11-04-2010
20090265259METHOD FOR TRIGGERING A COST ENTRY - A method for triggering a cost entry in the context of a job is disclosed, which is issued by a management information system, and executed on an execution system, wherein the execution system transmits job related status reports in Job Definition Format to the management information system, and wherein incoming status reports are stored on the management information system.10-22-2009
20080313063Expense Report Generation From Confirmation Emails - Inter alia, methods, and means for automatically generated travel expense reports. One embodiment identifies an email extractor that reads travel expense information from travel reservation booking emails. The extracted information is then displayed in electronic table format. The displayed information includes travel expense details such as vendor name, trip conveyance, date of reservation/expense, accommodation name, cost, currency, etc. The expense report can be accessed and edited by the user, if desired. The user can view and download the report in other formats, such as a spreadsheet.12-18-2008
20080313064METHOD AND SYSTEM FOR MANUAL AUTHORIZATION - Embodiments provide systems, apparatus, methods, computer program code, and means for performing manual authorizations.12-18-2008
20080313061System and Method for Facilitating Transfer of Physical Money and/or Credit - A system for transfer of physical money and/or credit comprises a transferring party with a first communication device; an intended recipient with a second communication device; a facilitator; and a third party, wherein the transferring party makes a payment to a third party and receives a unique payment code associated with the amount of the payment. The transferring party sends a first message to the facilitator using the first communications device. The first message includes the unique payment code and a unique identifier associated with the second communication device. The facilitator informs the intended recipient, via a second message including a trace number, sent to the second communication device of the intended transfer and the redemption process. The intended recipient attends the premises of a third party and obtains a unique identifier associated with a third communication device in their possession. The intended recipient sends a redemption message, including the trace number and the unique identifier to the facilitator.12-18-2008
20080319879Optimized Communication Billing Management System - A business method is disclosed directed to attempting to saving clients money on their communications services. Specifically, billing information is obtained for a client and loaded into a database. An initial rate is determined based on this billing information, along with possibly an add on rate for add on services, which can provide a combined rate charge. At least one of the initial rate and combined rates are compared to a derived rate which is calculated by applying an algorithm to the database which applies the actual data to a plurality of rate plans provided by communications carriers to see which rate plan might provide savings for the client, if any. If savings are achieved, at least recommending if not switching to another rate plan, possibly of an other carrier.12-25-2008
20100138324METHOD OF PROVIDING SECURE PAYMENT AND TRANSACTION RECONCILIATION - A method of paying a merchant for a transaction associated with a program. The method including the steps of receiving a request from a merchant for a payment associated with a purchase, generating a payment identifier, generating a payment number having a predetermined limit amount and a predetermined expiration date, associating the payment identifier with the payment number and transmitting the payment number to the merchant for payment of the request.06-03-2010
20130024331ANOMALOUS BILLING EVENT CORRELATION ENGINE - Apparatus, methods and computer readable media for processing invoice data. The apparatus may include, and the methods and media may involve a processor module and a machine memory module. The processor module may extract from an invoice a billing event identifier that identifies a billing event. The processor module may query an index in the machine memory module for a billing event descriptor that is designated for the billing event. The processor module may identify in the machine memory index a provisional billing event descriptor that corresponds to a derivative of the billing event identifier. The processor module may join the provisional billing event descriptor to a record corresponding to the billing event identifier. The processor module may flag the record to indicate the presence of the provisional billing event descriptor.01-24-2013
20080306842Transaction Verification System - A transaction verification system comprises a central data processing system and a plurality of satellite data processing systems discreet from the central data processing system. A plurality of audio and/or visual recorders are adapted to record sounds and/or images and to these into digital data which is transferred to the central data processing system by communication means. Each audio and/or visual recorder is associated with one or more satellite data processing systems and the central data processing system includes a data store within which digital data received from the audio and/or visual recorders is stored. The data store being divided into subsidiary data stores, each associated with one or more satellite data processing systems and the central data processing system being programmed to store digital data from audio and/or visual recorders associated with a particular satellite data processing system in a subsidiary data store associated with that satellite data processing system and to communicate data stored in a subsidiary data store only to a satellite data processing system associated with that subsidiary data store.12-11-2008
20110208622DATA CENTER POWER COST ACCOUNTING SYSTEM - A data center power cost accounting system uses server and storage and cooling power consumption models and device maps, together with runtime application maps, to estimate the equipment power consumption and cooling power consumption of individual applications. An approximation of the cooling cost over a period of time, for any given application, can be pieced together by adding up the equipment utilized by the application and applying the cooling estimates obtained from computational fluid dynamics (CFD) simulations. The cooling estimates can further account for changes or variability in resource usage over time since the cooling estimates are based directly on utilization. The per application power consumption costs are obtained without having to install or depend on power measurement instruments or other hardware in the datacenters.08-25-2011
20080270272SYSTEM AND METHOD FOR BANKING DOWNSTREAM RESOURCE COSTS - In a system according to the invention, a sum of money related to the current or projected cost of pollution remediation associated with the use of a particular mineral resource is banked at the time of the mineral's extraction, first sale or entry into the stream of commerce. Disbursement of the banked monies may be made to downstream processors, end users, effected entities or third parties for remediation, sequestration or conservation activities or simply for recompense. In one embodiment of the invention, dynamic tracking systems may apportion the payout as a function of measured observed winds and precipitation patterns. In this way, the true economic cost of a particular mineral resource may be more accurately reflected in its selling price.10-30-2008
20080270271Method and Computer-Readable Medium for Managing Order Entry - A method and computer-readable medium for managing order entry by a user via remote connection to an account database system of a service provider are provided. According to the method, order information is received from the user via the remote connection for an account of the user. Payment information is outputted to an external payment service for authorization of payment, and, if the authorization is successful, order information is received and written to a custom database of the service provider. A transaction record is then written to an account transactions file of the service provider, thereby triggering execution of an accounting program for posting the order information to the user's account and to records of the service provider. The updated order information may then be outputted to the user.10-30-2008
20100145836SYSTEM AND METHOD OF DETECTING FRAUD - Embodiments include systems and methods of detecting fraud. In particular, one embodiment includes a system and method of detecting fraud in transaction data such as payment card transaction data. For example, one embodiment includes a computerized method of detecting that comprises receiving data associated with a financial transaction and at least one transacting entity, wherein the data associated with the transacting entity comprises at least a portion of each of a plurality of historical transactions of the transacting entity, applying the data to at least one first model, generating a score based on the first model, and generating data indicative of fraud based at least partly on the score. Other embodiments include systems and methods of generating models for use in fraud detection systems.06-10-2010
20100153239PROVIDING ACCOUNTING SOFTWARE APPLICATION AS ENTERPRISE SERVICES - Methods and apparatus, including systems and computer program products, for a services architecture design that provides enterprise services having accounting functionality at the level of an enterprise application. The design includes a set of service operations, process components, and optionally deployment units. Suitable business objects are also described.06-17-2010
20100145834METHOD AND SYSTEM FOR IDENTIFYING FRAUDULENT ACCOUNT ACTIVITY - A method and system is provided that evaluates several pieces of information associated with bank accounts at the time they are opened in order to assess the level of fraud risk that the new account creates for the bank. When a new customer establishes an account the various information collected during the account establishment process is analyzed using a logic algorithm that makes a risk assessment. The logic algorithm assigns a risk level wherein the highest risk accounts may be refused immediately while the next highest risk tier is flagged for further monitoring. Once flagged for monitoring, the account is subject to increased scrutiny based on various customer attributes to identify any problematic patterns. If all transactions are normal, the scrutiny flag lapses. If risky transactions continue, a hold is placed on the account and additional investigation is undertaken to either clear or close the account.06-10-2010
20090119192SYSTEM AND METHOD FOR REGISTERING AND CERTIFYING ACTIVITY AND/OR COMMUNICATION BETWEEN TERMINALS - The invention relates to a system and method for registering and certifying activity and/or communication between terminals, of the type in which a registry and certification service provider registers the telematic content exchanged between a user and a service provider during a transaction using a registry and certification server and issues an electronic certification upon completion of the service. According to the invention, the registry and certification server is connected to an official time server in order to obtain reliable time stamps and to a client capture module which is installed in the user terminal in order to register periodic captures of the interface of the user terminal and data relating to the connections established thereby and to include same in the electronic certification document together with the reliable time stamps. The electronic certification document is authenticated using an electronic signature provided by the registry and certification service provider.05-07-2009
20090119191RECORD RETENTION AND POST-ISSUANCE COMPLIANCE SYSTEM AND METHOD FOR MUNICIPAL BONDS - Systems and methods to facilitate record retention and compliance requirements mandated by law, rules or regulations, company policy, or other guidance for maintaining records using electronic storage systems is herein described. The systems and methods may facilitate tracking and documenting of relevant municipal bond activities (e.g., use of proceeds of the bond, use of bond financed facilities, etc.) by bond issue; determining when compliance-related calculations need to be made over the life of the bond; making the necessary calculations in a timely manner; collecting, organizing and maintaining information to support the calculations; storing documents to support the information and calculations; determining if the calculated results indicate that the use of proceeds are in compliance; making filings; and generating alerts and/or notices and/or taking other actions relating to compliance requirements.05-07-2009
20100005013METHODS AND SYSTEMS FOR DETECTING FRAUDULENT TRANSACTIONS IN A CUSTOMER-NOT-PRESENT ENVIRONMENT - The invention relates, in various aspects, to systems and methods for detecting fraudulent transactions. A server receives transaction data corresponding to a plurality of customer-not-present (“CNP”) transactions, after a first batch process and before a second batch process. A real-time fraud detection processor is configured for processing the transaction data and data obtained during the first batch process and, for each CNP transaction, outputting an authorization decision of the respective CNP transaction. A batch fraud detection processor is configured for executing the second batch process by collectively processing the transaction data and data obtained during the processing of the transaction data by the real-time fraud detection processor.01-07-2010
20100145833AUTOMATED TRANSACTIONAL CARBON OFFSETTING - Methods, including service methods, articles of manufacture, systems, articles and programmable devices are provided for linking and utilizing monetary and carbon credit accounts through a programmable arbitrating device providing a transaction interface to the buyer. A composite price is set for an item having a monetary portion and a carbon credit portion, a buyer executing a purchase of the item through an input to the arbitrating device transaction interface, the arbitrating device automatically charging a monetary payments from the buyer's monetary account, carbon credit payments from the buyer's carbon credit account, a difference between the payments and the composite price debited to the buyer's carbon credit account balance for a monetary value of the difference as a function of a monetary-carbon exchange rate, or to the buyer's monetary account for a carbon credit value of the difference as a function of the monetary-carbon exchange rate.06-10-2010
20090030818System for financial risk management administration - The present invention provides a method and system for financial risk management and administration. In the present invention, a computer implemented method and system operate to distribute selected risks, such as market risks, through a selected counterparty that can assume certain of these market risks in a financial transaction which also includes certain behavioral risks.01-29-2009
20100274692VERIFICATION OF PORTABLE CONSUMER DEVICES - Embodiments of the invention are directed to methods, systems, and computer program products pertaining to obtaining, providing, and using dynamic card verification values for portable consumer devices, such as credit cards and debit cards. An exemplary method comprises receiving, at a server, a request for a device verification value for a portable consumer device associated with a user; obtaining, at the server, a datum indicative of a device verification value for a portable consumer device; and sending, from the server, the datum to at least one of a phone number or network address of a personal communication device associated with the user.10-28-2010
20110270719NETWORK MARKETING SOCIAL NETWORK - A social network and method of using the same is presented. The social network comprises a server comprising a processor and a non-transitory computer readable medium in communication with the processor, where encoded on the computer readable medium is a plurality of subscriber profiles and a plurality of referral networks, where each of the subscriber profiles and referral networks is associated with one of the subscribers of the social network, and where each of the referral networks comprises a total number of referred subscribers referred by the associated subscriber. For each subscriber of the social network, the processor, using the computer readable program code, is configured to calculate a total compensation for the subscriber based upon the associated referral network.11-03-2011
20110208625ENHANCED BUSINESS REPORTING METHODOLOGY - The Enhanced Business Reporting Methodology provides a way to assess the performance of a company. The method includes receiving financial data about the company, calculating a Total Economic Profit (TEP) value based in part on the financial data, the TEP value including a current value component and a future value component, determining a business component of the company that drives the current value component and/or the future value component, and assessing the business component based in part on the TEP value, the current value component, and/or the future value component. A Total Return to Shareholders (TRS) value may be calculated from this data. The TRS may be decomposed into components and mapped onto a computer-generated display. The data may also be incorporated in corporate management systems and investment analysis systems, and used to generate a set of supplemental financial reports.08-25-2011
20110208623GLOBAL ACCOUNT RECONCILIATION TOOL - A global reconciliation software tool is provided to standardize reconciliation processes across various corporate lines of business. The reconciliation tool provides standard templates for entering transaction and account data. In this manner, open accounting items are more readily identified and reconciled. The software tool includes a plurality of components allowing for greater scalability and operability across various computer systems and accounting programs.08-25-2011
20110016028METHOD FOR BILLING SERVICES SUCH AS PUSH MAIL - A method enabling a mobile communication terminal belonging to an operator's network to access a service such as push mail, which method comprises a step of creating a first permanent private connection between a platform and the operator's network, which platform comprises a database of the users of pre-payment services and a dynamic IP address-assigning server, which method further comprises: 01-20-2011
20090055295FINANCIAL BENEFITS PROGRAM - A method for providing financial benefits to Company associates buying at vendors chosen by the Company. The first benefit is a money payment to associates by the Company based on the collective spending of all associates at chosen vendors. The second benefit is a money payment by the Company to associate for each referral materializing into an additional association with the Company. The third benefit is an additional money payment to associates by the Company based on a combination of collective associate spending at all chosen vendors and payment recipient down line spending.02-26-2009
20110208624PARKING FEE MANAGEMENT SUPPORTING SYSTEM AND PARKING FEE MANAGEMENT SUPPORTING METHOD - According to one embodiment, a parking fee management supporting system supports parking fee management concerning a car park in which a free parking available period is granted according to a purchase amount in a predetermined store. The parking fee management supporting system calculates a free parking available remaining time in the car park in association with a user, who inquires about a remaining time of the free parking available period, on the basis of a parking start time and purchase information of the user.08-25-2011
20100005012SYNCHRONIZING REAL-TIME AND OFF-LINE ACCOUNTS FOR COMMUNICATIONS - Synchronization is provided between a real-time charging system (01-07-2010
20120066101METHOD AND SYSTEM FOR CREATING AND MARKETING EMPLOYEE STOCK OPTION MIRROR IMAGE WARRANTS - A warrant on company stock that is used to determine value of employee options for U.S. accounting purposes on company stock. The warrant comprises an amortization factor, an exercise term that is the same or substantially similar to an exercise term of the employee options, and a strike price that is the same or substantially similar to a strike price of the employee options. The warrant also comprises a provision to periodically determine the amortization factor based on early forfeiture and/or early exercise of the employee options, a provision to apply the amortization factor to the warrants, and a provision to determine an intrinsic value of the warrants. Value of the employee options for U.S. accounting purposes is determined using market value of the warrants at issue.03-15-2012
20090164355ACCOUNTING SYSTEM, ACCOUNTING CLIENT AND METHOD FOR REPORTING ACCOUNTING INFORMATION OF A USER BY AN ACCOUNTING CLIENT - A method for reporting accounting information of a user by an accounting client is provided. The method includes the following steps. The accounting client correlates the accounting information of all service streams established by the user, generates an accounting packet based on a user granularity, and reports the accounting packet to an accounting server. An accounting system and an accounting client are further provided, where the accounting client correlates the accounting information of all service streams established by the user, generates the accounting packet based on the user granularity, and reports the accounting packet to the accounting server, so that an access network supporting accounting based on a service stream may report the accounting information based on the user granularity to a core network. Therefore, if the access network uses an accounting mode based on the service stream, the access network may also support a user-based accounting mode.06-25-2009
20090164353Transfer Account Systems, Computer Program Products, And Computer-Implemented Methods To Prioritize Payments From Preselected Bank Account - A financial institution computer maintains one or more lists of account identifiers for accounts enrolled in a prioritized payment program including pre-authorization of certain payment requests by select creditors. The computer estimates a value of one or more prioritized payments associated with a first account and authorizes a first sweep payment to a second account at a second financial institution from a third stand-in account at a payroll processor, so that the estimated value is held back in the stand-in account. Then the computer receives an automatic deposit associated with an account identifier for a first account. The financial institution computer generates prioritized payments from the first account to select creditors and generates a second sweep payment, if necessary, from the first account to the second account, responsive to the incoming automatic deposit. The second account can be, for example, a demand deposit account or a prepaid card account.06-25-2009
20090164352Transfer Account Systems, Computer Program Products, And Computer-Implemented Methods To Prioritize Payments From Preselected Bank Account - A financial institution computer maintains one or more lists of account identifiers for accounts enrolled in a prioritized payment program and receives an automatic deposit associated with an account identifier for a first account enrolled in the prioritized payment program. The prioritized payment program includes pre-authorization of certain payment requests by select creditors. The financial institution computer generates prioritized payments from the first account to select creditors, responsive to one or more unfilled pre-authorized payment requests by the select creditors and then generates a sweep payment from the first account to an associated second account at a second financial institution, responsive to the incoming automatic deposit. A value for the sweep payment is a value of the automatic deposit minus a value of the one or more prioritized payments. The second account can be, for example, a demand deposit account or a prepaid card account.06-25-2009
20090164350Transfer Account Systems, Computer Program Products, And Associated Computer-Implemented Methods - Embodiments of the present invention include transfer account systems, computer program products, and associated computer-implemented methods of providing prioritized payments from the proceeds of automatic or direct deposits. Embodiments of the present invention include routing automatic deposit information to a financial institution computer managing a prioritized payment program and formulating an outgoing ACH file with both an entry for an automatic deposit destined for a customer account and an entry for a pre-authorized prioritized payment to a select creditor, so that the automatic deposit is credited to the customer account and relatively instantaneously any prioritized payment is debited from the customer account. According to embodiments of the present invention, the customer account can be a prepaid card account so that a customer has effective access on the prepaid card only to a net value of funds.06-25-2009
20090164351Transfer Account Systems, Computer Program Products, And Associated Computer-Implemented Methods - Embodiments of the present invention include transfer account systems, computer program products, and associated computer-implemented methods of providing prioritized payments from the proceeds of automatic or direct deposits. Embodiments of the present invention include routing automatic deposit information to a financial institution computer managing a prioritized payment program and formulating an outgoing ACH file with both an entry for an automatic deposit destined for a customer account and an entry for a pre-authorized prioritized payment to a select creditor, so that the automatic deposit is credited to the customer account and relatively instantaneously any prioritized payment is debited from the customer account. According to embodiments of the present invention, the customer account can be a checking, deposit, savings, money market, or other account as understood by those skilled in the art, so that a customer has effective access through the customer account only to a net value of funds.06-25-2009
20090138388Systems and Methods for Receiving an Allocation of an Amount Between Transaction Accounts - A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also enables the allocation of a portion or all of a charge or loyalty points to different transaction accounts issued by different issuers, or to sub-accounts.05-28-2009
20090164346Fund Transfers Using Multiple Accounts - The subject matter disclosed herein provides methods and apparatus, including computer program products, for fund transfers using multiple accounts associated with internal positions for the funds. In one aspect, there is provided a computer-implemented method. The method may receive an indication representing a financial instrument. A plurality of accounts may be generated. The generated plurality of accounts may provide internal positions for the financial instrument. Another account may provide an external position for the financial instrument. The external position and the internal position may be maintained to enable an accounting of the financial instrument. Related apparatus, systems, methods, and articles are also described.06-25-2009
20090177565METHOD AND APPARATUS FOR UTILIZING A UNIQUE TRANSACTION CODE TO UPDATE A MAGAZINE SUBSCRIPTION OVER THE INTERNET - A method for completing an electronic commerce transaction over a global communication network initiated between a vendor and a potential consumer. The method includes the steps of associating a unique transaction code with the initiated transaction between the vendor and the potential consumer for use by the consumer in completing a specific electronic commerce transaction; associating user information with the unique transaction code to provide a transaction packet; communicating the transaction packet to a remote vendor location from a user location; and completing the specific electronic commerce transaction upon receipt at the remote vendor location the transaction packet containing the user information in association with the unique transaction code.07-09-2009
20090164348REAL ESTATE TRANSACTION SYSTEM USING REAL ESTATE TRUST AND METHOD THEREOF - Provided is a real estate transaction system and method using real estate trust that are capable of lessening a burden on a residence right holder and investors. Ownership of specific real estate can be entrusted and managed, a right for the real estate can be divided into a plurality of equity rights and circulated on line, and buyers holding the equity rights are allowed to divide their equity right and circulate the divided equity rights. The buyer desiring to reside on the property can own the real estate by paying almost as little as half of its price. Also, money is not tied up in the real estate for a long time, and an investor can invest a smaller amount of money in the real estate.06-25-2009
20090138386INTERACTIVE STATEMENT - Systems and methodologies for generating and utilizing an interactive financial statement are provided herein. An interactive statement can initially be generated for a user based on properties relating to a device on which the user will access the statement, such as display size, available memory, and other factors relating to the device. The interactive statement can contain personal and account information relating to the user as well as interactive elements such as targeted advertising based on identified trends of a user or other factors, query functionality, security controls for individual statement features, dynamic information formatting, and other such elements. Upon generation of the interactive statement, the interactive statement can be delivered to the user.05-28-2009
20080306844Payroll Receipt Using A Trustee Account Systems And Methods - A payroll receiving and accessing system includes an enrollment kit. The kit includes activation instructions and an enrollment form for assigning an account identifier that identifies an account for receiving payroll funds due an employee. The system also includes an account activation system programmed to receive an activation request by the employee to activate the account, provide to the employee disbursement options including at least receiving payroll funds by negotiable instrument and receiving payroll funds by presentation instrument, receive from the employee a selection from among the disbursement options, and establish the selection. The system also includes a trustee account for the benefit of the employee for receiving the payroll funds due the employee and a system configured to disburse the funds to the employee in accordance with the selection.12-11-2008
20110225073APPARATUS AND METHOD FOR PERFORMING WIRELESS CHARGING - A wireless charging method includes searching one or more rechargeable electronic devices, receiving power service information from one or more searched electronic devices, determining whether the one or more searched electronic devices are rechargeable based on the received power service information, and if the one or more searched electronic devices are rechargeable, receiving power from the electronic devices.09-15-2011
20090177564FINAL SALE MERCHANDISE CARD - A system and method that involves a merchant, a merchandise cardholder, and a beneficiary that allows a customer to select one or more beneficiaries that are to own any unused proxy sale merchandise, associating the one or more default beneficiaries with the customer merchandise account, wherein the one or more default beneficiaries differs from the customer, the customer merchandise account having a remaining balance of merchandise owned by the customer and automatically converting an amount of the customer owned proxy sold merchandise based on a conversion date, to ownership by the beneficiary; and transferring ownership of the proxy sold merchandise to the selected one or more beneficiaries.07-09-2009
20090187497Electronic Register - This invention pertains to software that is created to manage financial data. This invention focuses on electronically managing accounts that the user has with a financial institution. The invention would replace paper transaction registers. The invention is an electronic version of the paper register. This invention helps account holders manage accounts in real time both accurately and quickly. The user would enter transaction information as it occurs in real time and the software would calculate and store the information. The user would then have the option to transfer/send that information to another user with the push of a button. The user on the receiving end will be able to view the latest transaction and the changes it made to the account. People that share an account at a financial institution will be able to better balance their accounts by updating each other of any transactions with this invention.07-23-2009
20090187496DATA WORKBENCH FOR ACCOUNTING DATA MANAGEMENT - Methods and apparatuses enable management of accounting data for currency exposure analysis. A management system receives general ledger data defining asset and liability accounts balances for a business entity. The management system selectively filters the account balances based on functional currency and whether they are subject to revaluation. The management system can thus provide a data set of data that can properly be evaluated for currency exposure risk. The management system generates one or more reports to indicate what errors or potential errors, if any, exist within the data. The management system may be configured to apply additional filters to the data and/or provide additional processing to prepare the data for passing to a foreign exchange risk analysis module.07-23-2009
20090182653SYSTEM AND METHOD FOR CASE MANAGEMENT - A case management system and method for evaluating a plurality of transactions against a set of rules, determining which rules are satisfied, scoring the transactions as a function of the satisfied rules, and risking ranking the transactions as a function of the transaction scores.07-16-2009
20130218731EMBEDDED WIRELESS CLOUD CONNECTOR - The current invention is directed to embedded, wireless cloud-connector devices and systems that allow the embedded, wireless cloud-connector devices to be deployed in a variety of embedding devices, applications, and uses. The embedded, wireless, cloud-connector devices to which the current application is directed are implemented using a single integrated circuit, or set of integrated-circuit chips, and each interfaces to a device, product, or system in which the cloud-connector devices are embedded as subcomponents as well as to a communications-services provider. The cloud-connector devices provide data exchange between devices, products, and systems in which they are embedded and cloud providers that provide cloud-computing services, data-message routing, and wireless services through wireless carriers. Embedded, wireless cloud-connector devices, and the systems that interconnect and manage them, allow cloud-providers to extend the cloud-computing domain into many different types of low-cost and geographically dispersed markets and areas of use.08-22-2013
20090327107CONSUMER SPENDING THRESHOLD EVALUATION - A method comprising receiving, by a server computer, an authorization request for a transaction conducted with a payment token from a merchant via an open payment processing network. The payment token associated with an account having a no preset spending limit. The method also determines, by the server computer, an exposure limit of the account in real-time based on information obtained by the open payment processing network. The method also determines, by the server computer, whether or not to authorize the transaction based on the determined exposure limit.12-31-2009
20090012883Novel securities, supporting systems and methods thereof - A novel financial instrument, equity dilution inhibitor and security upgrade account are disclosed based on an enhanced callspread option. Implementation of the novel investment vehicle and/or upgrade account are managed via program controlled data processor governing system operation in accordance with investment parameters. Enhanced flexibility for this investment vehicle increases its usefulness to a broad spectrum of potential investors.01-08-2009
20110225072AUTOMATED UTILITY METERING SYSTEMS AND METHODS - Utility metering systems and methods are disclosed. An exemplary utility metering system can comprise a middleware system and a plurality of firmware systems. Each firmware system can be installed at a utility meter. A firmware system can maintain data related to an associated customer's utility services account. The firmware system can perform real time calculations to update the customer's account and balance as needed and can make decisions related to the customer's account, such as connection and disconnection of services, which can be implemented in real time. The middleware system can enable customers to interact with their respective utility meters, so that modifications made by the customers to their accounts can be transmitted to the applicable utility meters in real time.09-15-2011
20090024494METHODS, APPARATUS, SYSTEMS, COMPUTER PROGRAM PRODUCTS AND MEDIUMS FOR USE IN ASSOCIATION WITH ACCOUNTING AND/OR FINANCIAL ANALYSIS - In some embodiments, a method includes: generating entries for at least one cost plan, each of the entries including a planned amount and a descriptor, wherein the descriptor identifies a general ledger account. In some embodiments, a method includes: generating postings for at least one ledger, each of the postings including an actual amount, a first descriptor and a second descriptor, wherein the first descriptor identifies a general ledger account and wherein the second descriptor identifies a general ledger account.01-22-2009
20090063311Adjusted Net Income - Techniques for enhanced assessment of the business value of an account and/or customer are disclosed. An adjusted net income value outputted by a system may be used by a financial institution, such as a bank, mortgage broker, lender, or credit card company, to better assess the business value and/or profitability of an account. For accounts that are delinquent at the end of an observation period, the adjusted net income value is equal to the net income minus the percentage of the past due balance that is predicted to get charged off. The percentage of the past due balance that is predicted to get charged off relates to the number of days the account has been delinquent.03-05-2009
20120290453Automated Invoice Processing Software and Services - A method and system for automated invoice processing. An improved method for invoice processing based on an application service provider model in which invoices can be accessed and approved via the Internet from anywhere in the world. This method and system allows a company to manage the process of storing, reviewing, approving, and paying invoices from a single, centralized application. The invoice processing application is integrated with an accounting or ERP system such that payment can be made automatically and redundant data entry eliminated. The approval hierarchy used by the invoice processing application can be obtained from the human resources system of the client organization.11-15-2012
20120290452METHOD AND APPARATUS FOR AUTHORIZING A TRANSACTIONAL SERVICE BY A POLICY AND CHARGING CONTROL ARCHITECTURE - The present invention faces the issue of authorizing transactional services by a Policy and Charging Control system. To this end, the present invention provides for an apparatus carrying out a method of authorizing transactional services and comprising: an authorization requester for submitting a transactional service authorization request with a user identifier and a transactional service identifier, and an authorizer for receiving the transactional service authorization request. This authorizer comprises: a PCRF server for authorizing the transactional service based on subscription and service data, an OCS for authorizing the transactional service based on credit authorization, and a decider for deciding service authorization for the transactional service based on the authorizations respectively made by the PCRF server and OCS. The authorizer of this apparatus is also arranged for submitting a transactional service authorization response to the authorization requester with a decision on service authorization for the transactional service.11-15-2012
20120290451INTEGRATED DEPOSIT ACCOUNT FEE SYSTEM AND METHOD - Systems and methods are described for managing deposit accounts whereby deposit account customers can receive fee ‘credits’ for performing certain banking activities and such credits may be applied to their present period deposit account management fee or may be accrued and applied to subsequent period deposit account management fees. Accrued credits also may be applied to other subsequent period service fees or, after a certain period of time, may be converted to alternative forms of value for the customer.11-15-2012
20110145111DYNAMIC PAYMENT METHODS AND DEVICES - Systems and methods according to these exemplary embodiments provide techniques for facilitating the selection of a billing gateway (06-16-2011
20110145110INDEX INFORMATION MANAGEMENT DEVICE AND METHOD ACCORDING TO CHARGING PERIOD IN SERVICE LEVEL AGREEMENT SYSTEM - An index management device of a service level agreement system includes: an external link processor for receiving a customized service request for requesting a different service per subscriber received by a subscriber subscription management system; a quality manager for extracting needed information from output information from the external link processor; an index management interface for checking a characteristic of the output information from the quality manager and an information management method; a table storage unit for storing index information of the service level agreement system; and an index manager for managing the index information stored in the table storage unit according to the customized service request and a request from the index management interface.06-16-2011
20090055297System And Method For Auditing a Communications Bill - A computer-assisted system and method for auditing a communications bill wherein billing information is collected, reformatted and stored for use in a set of automated audits. The system and method for auditing a communications bill further collects data from other external systems such as a work order system, a trouble ticket system, an inventory system, an AMA/SMDR data source, an SS7 event record data source, or another source of call records or billing records. The data collected is used in a set of automated audits to determine if the communications bills contain errors. The system and method will further perform historical audits, and generate and manage the billing dispute process. The system and method will further provide audit reports and interface to an accounts payable system.02-26-2009
20100153243Customized Sales Software and Implementation - Customized sales software for consolidating, organizing and integrating data and process flow in a manner especially suited for sales operations. The customized sales software is customized to represent the user company's business process and integrates the user company's applications and data but does not change the user company's existing applications or databases. The sales software is designed in layers to enable seamless integration of legacy systems and external data sources, without requiring change to them, while at the same time enabling the introduction of new interfaces, transactions and processes. Integration with legacy systems and external data sources is possible at different layers within the software and may or may not utilize existing legacy system applications and processes. Generally speaking, integration with legacy systems and data sources may be either one or two way or in real time, depending on the requirements of a particular business process.06-17-2010
20090063310PROVIDING AGGREGATE FORECASTED IMPACT INFORMATION FOR PHYSICAL TO FINANCIAL ASSET RECONCILIATION - A reconciliation process identifying financial assets in a financial system that do not also exist in the real world, such as is indicated in a discovery system, generates a list of exceptions that can be examined by type of exception. The list of exceptions also includes aggregate financial impact information for the exceptions, such as aggregate cost, fair market value, and net book value. An interface allows a user to view the financial impact information and better decide how to handle the assets corresponding to the exceptions, such as by retiring at least some of the assets, routing some of the exceptions to another user better able to handle the exceptions, or storing the list so that an investigation can be done into at least some of the assets. The financial impact information becomes particularly critical near quarter-end and year-end, as any material impact to the books requires timely disclosure.03-05-2009
20090063314DISTRIBUTED DIGITAL RIGHTS MANAGEMENT NODE MODULE AND METHODS FOR USE THEREWITH - A digital rights management (DRM) node module for use in a node of a public data includes a node data module that stores DRM data associated with a plurality of digital files, the DRM data including a plurality of DRM identifiers. A packet monitoring module receives the plurality of DRM identifiers from the node data module, that receives packets containing incoming content and compares the incoming content to the DRM identifier, and generates event data when the incoming content matches at least one of the DRM identifiers. A node reporting module receives the event data, and generates node report data based on the event data.03-05-2009
20120078762Method for Providing Donations to Third Parties During a Financial Transaction and Tracking the Details of the Financial Transactions For Donation Contributors and Recipients - A method for embedding a socially conscious donation, contribution, payment into a transaction at the point of sale or purchase using any payment platform that accepts, debit, credit, cash, financing, donations, contributions, financial service transactions, etc. and facilitates, separates, and keeps track of the process and the transaction, including the giveback. The system and method also handles contributions to any beneficiary which could be the person making the purchase or sale or barter. The system and method utilizes a human key to make and take requests, record payments, take and certify payments between a user or plurality of users, a merchant/business, and a charity of designated beneficiary. Whereby a set amount by the parties, user, purchaser, seller, and beneficiary can be used for a donation, contribution, or payment to a beneficiary determined at the point of sale, purchase, or barter.03-29-2012
20120078761Single Audit Tool - Systems and techniques are disclosed for planning and performing an audit. The systems and techniques determine whether a Single Audit or a program-specific audit is to be performed for an entity, and automatically select one or more compliance procedures that are to be used during the auditing process.03-29-2012
20120078760Accounting System for Automated Transaction Apparatuses - An accounting system for a plurality of automated transaction apparatuses includes a first control unit electrically connected to a computer. A first transmission unit is electrically connected to the first control unit. A second control unit is electrically connected to each automated transaction apparatus. A second transmission unit is electrically connected to each second control unit. Control commands generated by the first control unit are sent to the second transmission units via the first transmission unit. Each second control unit receives one of the control commands and reads the transaction data of one of the automated transaction apparatuses. Each second transmission unit transmits the transaction data of one of the automated transaction apparatuses to the first transmission unit. The first control unit reads the transaction data transmitted to the first transmission unit and sends the transaction data to the computer to proceed with accounting process and to output accounts data.03-29-2012
20090099944SYSTEM AND METHOD FOR PREPAID BIOMETRIC REDEMPTION ACCOUNTS - A system and method of offering a redemption account that allows users to purchase in advance and subsequently redeem products and services from one or more vendors that are affiliated with the system. The present invention imparts a process by which users enrolled in a biometric authorization system can access a redemption account for advance purchased products and services by submitting their biometric data. Information stored in the user record can then be utilized to enable the fulfillment of the advance purchase.04-16-2009
20080262950Method and system for processing payments - A payment processing method and system is described which involves serially processing remittance documents, e.g. financial instruments, remittances, and associated documents obtained from diverse sources, electronically scanning the financial instruments and other remittance documents, thereby converting the information contained thereon into a digital format. The digital information is passed through a series of software programs and associated hardware that read the scanned financial instruments, remittances, and other documents, and compares the information obtained with preexisting information about the payor, detects errors, and the like automatically, with minimal human intervention. It also allows the information to be corrected and passed to a check encoding machine or process which imparts desired information on said checks before they are sent to a bank for deposit.10-23-2008
20090204518System for electronically implementing a business transaction between a payee and a payor - A system for electronic implementation of a business transaction between parties thereto is disclosed. The system comprises an operably inter-connectable network which includes a transaction processing unit of a payor selected financial service provider, a transaction processing unit of a payee selected financial service provider, a payor input/output unit operably connectable with the transaction processing unit of the payor selected financial service provider, and a payee input/output unit operably connectable with the transaction processing unit of the payee selected financial service provider. The transaction processing unit of the payor selected financial service provider and the transaction processing unit of the payee selected financial service provider are operably connectable to one another.08-13-2009
20090006224Control System Method for Internet Communication - The present invention relates to a system that enables an Internet call between a provider and a customer by using the Internet, and particularly, to an Internet call controlling system and a method thereof for making a call between the customer and the corresponding provider over the Internet or with the use of a PSTN free of charge through an execution of a click program associated with an icon once the customer clicks the icon, by comprising the click program associated with the icon capable of conducting free calls on a web page or e-mail of the provider or a web page of a system operator, and for enabling the provider to more closely manage the customer by recognizing received customer information.01-01-2009
20080288374PHILANTHROPY MANAGEMENT APPARATUS, SYSTEM, AND METHODS OF USE AND DOING BUSINESS - A philanthropic donation management system and methods of use and doing business. The system includes a computing server in communication with a communications network, such as the Internet, a LAN, or a WAN. The computing server maintains information about charitable projects and provides remote users and others with management tools for inputting information about charitable projects, pre-approving or otherwise assessing them, and accessing and managing charitable project information, portfolios, user team member information and access. The system can provide a business based on, for example, providing system, access, charitable fund management, and charitable donation transaction fees.11-20-2008
20090204516ACCOUNTING DATA RETRIEVAL METHOD AND SYSTEM - An accounting method and system. The method includes determining by a computing system, that a second entity is dependent on a first entity for a specified time period. The computing system generates a first list comprising initially allowable purchase types list for items available for purchase by a user. The computing system generates a modified list from the first list. The computing system receives from the user, a selection for a purchase type from the modified list. The computing system presents an accounting data input form to the user. The computing system places the purchase type, a selected general ledger account, and a selected organization into the accounting data input form. The computing system stores the accounting data input form that includes the purchase type, the selected general ledger account, and the selected organization.08-13-2009
20090204515INTERCOMPANY TRANSACTIONS ELIMINATION SYSTEM - A financial computer system at a holding company receives an approval of an intercompany transaction between two related subsidiary entities. The system generates an eliminating entry for the intercompany transaction at the time and every time it receives an approval, thereby providing timely and accurate financial information for the holding company.08-13-2009
20090204519Method and system for generating account reconciliation data - A method and system for providing information regarding a customer account are provided. The customer account includes a plurality of entries, each entry being indicative of a request for payment where the request for payment is being issued by a biller entity to a customer entity. A payment record including remittance detail data is received over a network account reconciliation data at least in part on the basis of the remittance detail data and the entries in the customer account. A signal suitable for causing information derived from the account reconciliation data to be displayed on a display screen is then transmitted.08-13-2009
20090210328SYSTEM AND METHOD FOR FACILITATING A COMMERCIAL PEER TO PEER NETWORK - System and methods for monitoring, controlling and generating income from the copying and distribution of all forms of digital content within a membership based network of peer-to-peer clients (08-20-2009
20090210327System and method for cash flow prediction - A system and a method for predicting future cash flow of a business according to at least one parameter of the business, in addition to the actual (prior and/or current) cash flow itself. The at least one parameter may optionally include but is not limited to payment time required to receive payment from a client, payment time required for payment to a supplier, seasonality, payment times according to a plurality of clients and/or suppliers, payment times according to a plurality of different types of clients and/or suppliers, earnings of the business, or an analyzed parameter, or a combination thereof.08-20-2009
20090210329Renewable Energy Park - A renewable energy park comprises a large-scale power generation facility having a plurality of individual power generation units for generating power from a renewable energy source. Individual power generation units are sold or leased to private investors. Energy supplied by individual power generation units in the renewable energy park to a public power grid is measured so that the individual investors can receive a retail offset or other form of payment for the energy produced.08-20-2009
20090240608Methods of an auditor querying an audit log for a database which contains records of image-based check deposit transactions - A method is provided of an auditor operating an auditor terminal to query an audit log for a database which contains records of check deposit transactions. The method comprises on a first display screen, entering in a customer name, on a second display screen, selecting a link which corresponds with a particular check deposit transaction associated with the customer name, and on a third display screen, receiving audit details associated with the particular check deposit transaction.09-24-2009
20090222363Systems And Methods For Automated Retail Recovery Auditing - Systems and methods for automated recovery auditing are described. In one described system, an analytical engine receives deal information. The analytical engine then receives purchase order information associated with the deal information. If any discrepancies are identified, the analytical engine generates a notification identifying the discrepancy.09-03-2009
20090222362METHOD FOR HANDLING OF A BANK NOTE AND SYSTEM THEREFORE - The present invention relates to a method for handling of a plurality of bank notes comprising the following steps: a) collecting said plurality of bank notes (09-03-2009
20090222361DATA MANAGEMENT SYSTEM - A data management system may include computer code to receive data that may include financial data and related data. The computer code may store the data in a database. The financial data may include data not tracked by a general ledger, such as contractual commitments, operating leases, head count, environmental incidents, lost time, disposal of operations, etc. The financial data may be applicable to different business units. The computer code may be configured to permit access to, entry of, and sign-off on the data only by users granted authority to do so. The financial data may include different data categories, and the data management system may be configured to use a different workflow to manage the data based on the data category of the financial data. The computer code may generate reports from the data retrieved from the database.09-03-2009
20090254462METHODS AND SYSTEMS FOR MANAGING CO-BRAND PROPRIETARY FINANCIAL TRANSACTION PROCESSING - A method and system for processing a financial transaction using a co-brand proprietary payment card through a multi-party payment card interchange network is provided. The method includes storing within a database a list of merchants participating in a co-brand program with the interchange network, receiving an authorization request for the transaction involving the co-brand payment card wherein the authorization request includes a merchant identifier, determining whether the transaction originated at one of the participating merchants by comparing the received merchant identifier to the list of participating merchants stored within the database, manipulating the authorization request to include a private label identifier when the transaction is determined to have originated at one of the participating merchants, and transmitting an authorization response from the interchange network to the acquirer. The authorization response includes the private label identifier and designates the transaction for processing as a private label transaction.10-08-2009
20090216668METHOD OF CARRYING OUT A BUSINESS VENTURE - This invention deals with corporations involved in new ventures, providing novel means and methods to increase the likelihood of their success. It also provides an exchanges on which corporations of these types can trade shares. The corporations use a preferred share structure which incorporates fiscal financial projections, so that there is ensured both a reasonably calculated percentage of revenues on sales issuable to the shareholder while still protecting the corporation and the venture with a threshold of revenues on sale that must first be realized before the dividend is issued. The means and methods of the claimed invention mitigate or erase the occurrence many of the usual obstacles which present themselves to derail ventures.08-27-2009
20090248550System and Method of Determining the Quality of Enhanced Transaction Data - A system is provided for determining the quality of merchant supplied enhanced data related to financial transactions performed by holders of financial presentation devices such as credit cards. The system includes a memory storing a plurality of enhanced transaction data (ETD) records and quality check criteria for determining the quality of enhanced data contained in the ETD records. A quality determination module determines a quality of the stored ETD records based on the stored quality check criteria.10-01-2009
20090222365Community-Based Transaction Categorization - Presently disclosed is a system and method for community-based transaction categorization that utilizes previous categorizations of transactions by members of a community of users to categorize a new transaction for an individual member of the community. Each manual categorization of a transaction by a user within the community may be used to generate a community designation rule. Then each community designation rule may be used to categorize transactions of another user within the community. More specifically, when a user within a community manually categorizes a transaction, an individual rule applicable to all the user's transactions with similar attributes is generated. If the individual rule meets certain criteria, the individual rule becomes a community rule. The community rule is then applicable to all users within the community having transactions with similar attributes.09-03-2009
20090222364SYSTEM AND METHOD FOR ATTRIBUTE-BASED TRANSACTION CATEGORIZATION - Presently disclosed is a system for attribute-based transaction categorization that utilizes transaction designation attributes other than or in addition to a payee name to provide reduced user effort and improved accuracy in the categorization of transactions. Further, the system for transaction categorization may retroactively re-categorize and/or re-name previous transactions based on subsequent transaction categorization. The transaction categorization system may assign match scores based on the number and/or type of designation attributes that match rules for associating a designation to a transaction. If a match score exceeds a predetermined threshold and/or is greater than other match scores, the transaction is automatically designated. Otherwise, the user may manually designate the transaction. Manually designated transactions may be used by the transaction categorization system to generate new designation rules.09-03-2009
20110173104METHOD AND SYSTEM FOR OPTIMIZING THE DELIVERY OF ENVIRONMENTAL MANAGEMENT TRAINING - A method and system that optimizes the delivery of training materials to an organization that seeks to implement an environmental management system (EMS) meeting the requirements of a standard (such as ISO 14001-2004). The system generates an optimized set of training materials for an organization based on two analyses. The system presents gap analysis questions pertaining to the elements of the standard. Responses received to the gap analysis questions are used to calculate a gap analysis score with respect to each of the elements. The system also presents aspects and impacts questions in a cascaded fashion, meaning that certain aspects and impacts questions are presented based at least in part on responses received to previous aspects and impacts questions. The system generates optimized training materials for the organization by filtering a set of training modules based on the gap analysis scores and the aspects and impacts responses.07-14-2011
20090259574METHOD AND SYSTEM FOR DETERMINING WHETHER THE ORIGIN OF A PAYMENT REQUEST IS A SPECIFIC E-COMMERCE NETWORK SOURCE - A determination is made whether a purchase has been performed on a website for which a merchant and an acquirer have entered an agreement. At least one web-page associated with the website is equipped with at least one web-bug, which enables collection of information related to one or more customers visiting the website. If the web-page equipped with the web-bug is visited by a customer, a number of pieces of information from the web-bug relating to the customer are stored in a database. The number of pieces of information include a unique customer identifier and an identification of the web-page equipped with the web-bug visited by the customer. If a payment to an account associated with the website that includes the unique customer identifier is received from the merchant by the acquirer, then the stored number of pieces of information are retrieved from the database using the unique customer identifier as a key. Based on the retrieved number of pieces of information, a determination is made whether the payment to the account was performed on the website.10-15-2009
20080319880SYSTEM, COMPUTER PROGRAM AND METHOD FOR PROCESSING PRESENTMENT AND ADJUSTMENT INFORMATION TO INSTITUTIONS PARTICIPATING IN A REGIONAL OR NATIONAL CLEARING HOUSE - A system, computer program and method for adjusting debits and credits received from participating institutions are provided. The system includes a plurality of remote computers of participating institutions, a central server, a network interface in communication with the clearing house computer and the plurality of remote computers over a network, and a database in communication with the central server. The network interface is configured to receive a plurality of presentment data from a first computer of the plurality of remote computers of participating institutions. Each of the plurality of presentment data including one or more debit or credit items each having a presentment amount. The central server is configured to store in the database the plurality of presentment data, receive, from a second computer of the remote computers of participating institutions, an adjustment request corresponding to one or more debit or credit items received from the first computer of the plurality of remote computers of participating institutions, communicate the adjustment request to the first computer of the plurality of remote computers of participating institutions via the network interface, enable the first computer of the plurality of remote computers of participating institutions to accept or deny the adjustment request, and initiate an adjustment based on the adjustment amount if the first computer of the plurality of remote computers of participating institutions accepts the adjustment request. The adjustment request includes detailed adjustment data having an adjustment amount and one or more scanned images corresponding to the respective debit or credit items.12-25-2008
20090254463METHODS AND SYSTEMS FOR MANAGING MERCHANT SCREENING - A method and system for processing a financial transaction using a payment card through a third-party interchange network is provided. The financial transaction is initiated by a cardholder at a merchant location. The method includes storing a list of private label participating merchants, receiving an authorization request for the transaction involving the payment card wherein the authorization request includes a merchant location identifier for the merchant location where the transaction occurred, performing a merchant screening process on the transaction including validating the transaction as originating at a private label participating merchant location, manipulating at the interchange network the authorization request to include a private label identifier when the transaction is determined to have originated at one of the participating merchants, and transmitting the manipulated authorization request with the private label identifier to an issuer of the payment card for processing as a private label transaction.10-08-2009
20090254461SYSTEM AND METHOD FOR FACILITATING ACCOUNT-BASED TRANSACTIONS - Systems, methods and apparatus are presented for facilitating account-based transactions. In an embodiment, the method includes associating a first person with an account, associating a second person with the account, receiving a request from a third party to authorize a transaction between the second person and the third party, determining a first communication address of the first party, and contacting the first party. The process also includes determining that the first person desires to communicate with the second person, determining a second communication address of the second person, initiating a communication between the first person and the second person, and receiving a signal from the first person that authorizes the transaction or declines the transaction.10-08-2009
20100274688SYSTEM AND METHOD INCLUDING INDIRECT APPROVAL - A server computer is disclosed. It comprises a processor and a computer readable medium coupled to the processor. The computer readable medium comprises code executable by the processor for implementing a method comprising: a) receiving an authorization request message, wherein the authorization request message requests authorization to proceed with a transaction conducted between a first party and a second party using a portable device; b) analyzing the authorization request message by a server computer to determine if the portable device is enrolled in a transaction alert program; c) if the portable device is enrolled in the transaction alert program, sending a transaction alert request message to a third party requesting approval to proceed with the transaction; d) receiving a transaction alert response message from the third party; e) sending the authorization request message to an issuer associated with the portable device; f) receiving an authorization response message from the issuer; and g) sending the authorization response message to the second party.10-28-2010
20100161457System and Method for Providing Dispute Resolution for Electronic Payment Transactions - A computer-based system and method for resolving disputes between a customer and an electronic payment provider concerning an electronic transaction between the customer and a merchant, including receiving data related to the transaction in a computer; transmitting the data from the computer to a dispute resolution server; comparing the transaction data to predetermined eligibility criteria for dispute resolution in the dispute resolution server, and if the dispute resolution criteria is met, declining future transactions from the merchant for the disputing consumer; and, comparing the transaction data to predetermined eligibility criteria for transaction credit, and if the credit criteria is met, and transmitting a credit instruction for the transaction.06-24-2010
20090259575ACKNOWLEDGMENT DELIVERY SYSTEM - An acknowledgement delivery system is provided that is associated with at least one transaction between a transaction initiating party and a transaction fulfilling party. The transaction is given effect by the transaction fulfilling party. The transaction is initiated by a transaction instigation event and completed by a transaction fulfilment event. Each transaction is defined by a unique transaction identifier. The system transmits events associated with the transaction fulfilment event to the transaction initiating party by way of preset data sequences defined with reference to the unique transaction identifier. The preset data sequence is transmitted to a translate and relay mechanism when initiated. The preset data sequence is mapped to a corresponding first mapped data sequence by the translate and relay mechanism and then transmitted to said transaction initiating party.10-15-2009
20100161459Systems and methods for acquiring, managing, placing, collecting and reselling debt - A system is provided for comprehensive debt management. Debt is typically acquired in the form of portfolios from the issuers of debit (e.g., creditors, such as credit card banks), which are referenced herein as “primary issuers” of debt. The custodian of the present invention is the acquiring party and is referenced as the “secondary issuer” of debt. Such portfolios are normally expansive and may cover a very large geographically region, such as the state of Texas. The system can parse the debt and assign any portion thereof to collection agencies or even directly to individual collectors.06-24-2010
20090259576TRANSACTION PROCESSING WITH CORE AND DISTRIBUTOR PROCESSOR IMPLEMENTATIONS - Transaction processing for distributor-based transactions is facilitated. According to an example embodiment of the present invention, a transaction management approach involves the processing of aspects of a transaction between contracting parties using transaction rules associated with an administrator and at least one distributor sponsoring the transaction. In some applications, the administrator finances the transaction. Fees are assessed as a function of the transaction processing on behalf of the administrator and, in come instances, the distributor.10-15-2009
20090094142Method and Server for Managing Subscriber Charges - A fee management server manages subscriber fees by managing an actual fee credit and an available fee credit for very subscriber. Upon receipt of a fee accounting message by a server for accounting fees for a communication service desired by the subscriber, the fee management server transmits a recall message for recalling communication units already allocated for another communication service if the available fee credit of the subscriber is lower and if an actual fee credit is higher than an amount specified in the fee accounting message for the desired communication service.04-09-2009
20100161456SHARING VIRTUAL SPACE IN A VIRTUAL UNIVERSE - An approach that provides sharing of the same virtual space by a plurality of avatars in a virtual universe by grouping the avatars belonging the virtual space and isolating each group. In one embodiment, there is an isolating tool, including a grouping component configured to group each of the plurality of avatars belonging to defined virtual space according to predefined grouping criteria. The isolating tool further includes an isolating component configured to isolate each group within each of the plurality of virtual spaces based on the grouping.06-24-2010
20100161455APPARATUS AND METHOD FOR SELLING GREENHOUSE GAS EMISSION REDUCTION CREDITS - The instant invention pertains to an apparatus and method to offset greenhouse gas emissions by offering to sell and/or selling emission reduction credits. The apparatus and method may be employed during a consumer transaction for the transfer of fuel. The apparatus and method may be used at the point of sale of a fuel transaction at a fuel dispenser, such as at a fuel pump. An offer to purchase credits is made to a customer at the fuel dispenser. A response is received from the customer, which is followed by the prompting for more information from the customer along with assistance given to the customer to determine the amount of credits to purchase. The purchase is made at the completion of the transaction. If the offer is rejected, credits are not purchased.06-24-2010
20100161454Augmenting Service Oriented Architecture Governance Maturity - Augmenting service oriented architecture (‘SOA’) governance maturity including receiving an evaluation of the maturity of the governance of the SOA; identifying, for each governance capability in dependence upon the evaluation of the maturity of the governance capability, one or more predefined risks to the SOA; establishing, for each governance capability in dependence upon the predefined risks to the SOA, a risk value representing the severity of the predefined risks; selecting, for each governance capability in dependence upon the evaluation of the maturity of the governance of the SOA and the predefined risk value, one or more governance work products; and communicating to predetermined stakeholders in the SOA the one or more predefined risks to the SOA identified for each governance capability, the risk value established for each governance capability, and the governance work products selected for each governance capability.06-24-2010
20120197770SYSTEM AND METHOD FOR REAL TIME TEXT STREAMING - The present invention relates to a system and method for real time streaming of a text string which is periodically updated. The system and method is adapted to enable live, real time, delivery of text-captioned voices/sounds to one or more viewers in the same or different physical locality as the voice/sound which is being captioned. The system comprises streaming means adapted to communicate with a server and to process a first text string inputted via first text input means and update the first text string in real time with additional or edited text string portions inputted via second text input means to thereby generate a second text string; control means adapted to periodically monitor a state of at least the second text string and generate an output text string therefrom, the output text string being communicated to a server for streaming to a text viewing means; wherein the output text string is updated in real time to substantially correspond to the second text string, such that the output text string represents the updated text string, thereby facilitating editing of text string portions already communicated to the server.08-02-2012
20120123917SYSTEM AND METHOD FOR VARIABLE TIME-BASED LICENSING - A system and method for variable time-based licensing is provided, which includes a chips cache which stores activated chips and a chips pool which stores inactive chips. In this context “chips” can be considered a currency which can be traded to use software tools for a period of time associated with each chip. The system further includes a chips accounting manager, operable to receive license requests for software tools and to determine whether to grant the license request; and a license manager which tracks active chips and manages activated chip check-in and checkout. When the chips accounting manager receives a license request for a software tool the chips accounting manager determines whether the chips cache includes sufficient chips to access the software tool. If there are insufficient chips, the chips accounting manager checks whether inactive chips in the chip pool can be activated and added to the chips cache. If there are sufficient chips, the chips accounting manager notifies the license manager to check out the sufficient chips from the chips cache and grant access to the software tool.05-17-2012
20120123912Method and System for Account Parallel Processing - A method for account parallel processing used by an account processing center to process a request for account operation is disclosed. The method comprises: (1) categorizing accounts as high parallel occurrence accounts and common accounts; (2) when receiving the request from the client for processing operation of an account, firstly determining whether the account is a high parallel occurrence account; and if the account is a high parallel occurrence account, continuing to a step (3), otherwise, conducting a step (4); (3) if the account is locked, queuing a current operation to wait until implementation of the current operation; and (4) further determining, by the account processing center, whether the account is locked and outputting an error message when the account is locked, otherwise implementing the current operation. Such method provides more high quality services to the high parallel occurrence accounts. As for the common accounts, when there is a high volume of parallel transactions on the common accounts, the volume of parallel processing can be effectively controlled by outputting an error message to prevent comment accounts from causing damage the system.05-17-2012
20080215467DIGITAL CONTENT SUBSCRIPTION CONDITIONING SYSTEM - Allocating subscription revenue may involve receiving usage information relating to usage of digital content (e.g., music, movies, text, images, games) in a digital content aggregation, identifying a coefficient relating to a subset of digital works in the digital content aggregation (e.g., author-specific subjective or objective factors, popularity ranking, historical factors, performance factors, etc.), and generating a revenue allocation for the digital content based on the coefficient and the usage information.09-04-2008
20080215464Self Service Meal Plans - A system and method for providing definition and management of meal plans and packages for colleges or universities is disclosed. Students may view and flexibly modify selected packages anytime as defined by rules established by the university or college. A student may view the various options for which they may be eligible online and dynamically alter selections as permitted by pre-established criteria. Account balances are automatically reconciled by receiving additional payment or crediting residual balances, if appropriate. In this way, the students can change what type of meal service packages or plans online throughout a school year or semester to suit their changing needs.09-04-2008
20110106675Peer-To-Peer And Group Financial Management Systems And Methods - Systems and methods for providing peer-to-peer and group financial management are provided herein. An example system includes a payment processor that executes software instructions for creating and managing electronic payment accounts and an accounts database to store account data from the payment processor. The payment processor may be configured to receive a payment request from a payer, the payment request including information to identify a payee and a payment amount. The payment processor may be further configured to determine if the accounts database includes an account associated with the payee, and based on a determination that the accounts database includes an account associated with the payee, send an electronic message to the payee that notifies the payee of the payment request. The payment processor may also be configured to access the accounts database to determine if the payee is identified as having a trusted relationship with the payer, and based on a determination that the payee is identified in the accounts database as having a trusted relationship with the payer, access the accounts database to transfer the payment amount from an account associated with the payer to the account associated with the payee without first receiving authorization for the transfer from the payee.05-05-2011
20100262522SYSTEM AND METHOD FOR REMOTE DEPOSIT CAPTURE - A system includes one or more remote check deposit locations, and one or more treasury receipt servers to receive check information captured from the one or more remote check deposit locations, and to receive transaction data from an originating depository financial institution (ODFI), the transaction data including an amount of funds available from clearing the captured check information.10-14-2010
20100198709Future Value Analytics - A method for assessing the performance of a company is provided. The method may include receiving financial data about the company and determining a future value of the company. Next, the future value is decomposed into a plurality of future value components, where the plurality of future value components includes an economy component that defines an implied amount of growth of the company attributable to the growth of the economy in general. Finally, the method may include displaying at least one of the future value components to advise a user of the performance of the company relative to the economy in general.08-05-2010
20100174628USE OF SEPARATE RIB LEDGERS IN A COMPUTERIZED ENTERPRISERE SOURCE PLANNING SYSTEM - Enterprise management applications perform a “revenues increasing the budget” (RIB) operation on general ledger data and store elements of the general ledger data that have a RIB effect in another ledger, called the “RIB ledger”. RIB ledgers may include sets of RIB rules, storage for documents reflecting all relevant delta values together with the corresponding links to the underlying original transaction documents as well as storage for all relevant aggregated data. Accordingly, when audit operations are performed for RIB budget increases, relevant transaction data is readily available in the RIB ledger. Such copies of the data are more easily accessed than through a search of the larger set of general ledger data, thus facilitating and accelerating use of the RIB techniques in an online system.07-08-2010
20100223169SYSTEM AND METHOD FOR MONITORING EVENTS ASSOCIATED WITH A PERSON OR PROPERTY - A system and method for retrieving a transaction associated with a property including obtaining property information pertaining to a property fl-om a third party source, storing the property information in a database, receiving a name to monitor or an address of a property to monitor, and transmitting a property information request including the name and/or address to the database. The system and method may also include searching the property information for a match with the name or address, identifying a transaction associated with the matched name or address and transmitting the transaction to a device.09-02-2010
20100223164Methods and Computer-Readable Media for Enabling Secure Online Transactions With Simplified User Experience - A method, which comprises determining a logical identifier used for communication over a network portion managed by a service provider and transmitting to a computing apparatus adapted to effect online transactions involving a payer and a payee an indication of the service provider having agreed to act as the payer for at least one online transaction requested by a requesting device that uses the logical identifier. Also, a method, which comprises determining a logical identifier used to identify a device during a request for an online transaction; identifying, based on the logical identifier, a third party that has agreed to act as a payer for the online transaction; providing a user of the device with an opportunity to confirm the third party as the payer for the online transaction; and completing the online transaction based on input from the user.09-02-2010
20100223168METHOD AND APPRARATUS FOR DEVELOPMENT AND USE OF A CREDIT SCORE BASED ON SPEND CAPACITY - Share of Wallet (“SOW”) is a modeling approach that utilizes various data sources to provide outputs that describe a consumers spending capability, tradeline history including balance transfers, and balance information. These outputs can be appended to data profiles of customers and prospects and can be utilized to support decisions involving prospecting, new applicant evaluation, and customer management across the lifecycle. A SOW score focusing on a consumer's spending capability can be used in the same manner as a credit bureau score.09-02-2010
20100153244Credit card, credit card systems and method - A credit card and credit card payment system includes a zero-LOC card account having an associated zero-LOC card with a unique identification number and a zero line of credit. The issuer of the zero-LOC card assumes no credit risk. This zero-LOC card account is independent of a funding card account, such that the zero-LOC card is funded, at some point before use, by at least one funds transfer from the funding card account to provide a positive credit balance in the zero-LOC card account. At the point of use, zero-LOC card functions just like a regular credit card except for the fact that a debit/payment transaction on the zero-LOC card is authorized using the available credit balance on the zero-LOC card account instead of the available line-of-credit as in the case of a regular credit card.06-17-2010
20100153242Interactive Online Spending Analysis Tool - Embodiments of the present invention are directed to interactively displaying account activity. An analysis of financial transactions associated with a financial unit can be performed by a spending analysis tool, which can display the analysis via a website. The analysis can include, for example, a spending analysis and a budget analysis. The financial transactions are associated with merchants. At least one of the financial transactions is associated with first merchant, a first merchant category, and a member of the financial unit. The spending analysis tool changes the merchant category associated with the at least one of the financial transactions to another merchant category based on a selection of a user.06-17-2010
20100153240Providing Payroll Software Application as Enterprise Services - Methods and apparatus, including systems and computer program products, for a service architecture design that provides enterprise services having payroll functionality at the level of an enterprise application. The design includes a set of service operations, process components, and optionally deployment units. Suitable business objects are also described.06-17-2010
20090076935System and Method of Account Reconciliation for Electronic Transactions - A transaction process system (03-19-2009
20090076934PERSONALIZED CUSTOMER TRANSACTION SYSTEM - A variety of products and services can be integrated and personalized by a self-service kiosk. A self-service terminal that originates a financial transaction, the self-service terminal may comprise a physical payment interface integrated with the self-service terminal, a personalized interaction management module that accesses a user account, the user account identifying payment obligations of a user to a plurality of payees, an input adapter that detects selection of an identified payment obligation to a payee, a transaction management module that receives an originating instruction via the self-service terminal to originate payment associated with the selected payment obligation, funds designated for the payment being specified via the physical payment interface, and a transaction processing module that transmits a payment instruction specifying the payment for application against the selected payment obligation.03-19-2009
20100241533Tax data validity documentation - A method and a system for data validity documentation are provided. The method may include receiving a number of data objects. The method may also include creating a number of event histories related to one or more data objects. One or more attachment documents may be associated with each one of multiple EH records of the event histories.09-23-2010
20100223166Unified Service Model for Business Service Management - A unified service model method is used for Business Service Management of a computing infrastructure. In the model, service offerings are defined for a business service, and one or more service level targets are associated with each of these offerings. The business service is associated with one or more technical services that support the business service. These technical services are delivered by actual component in a computing infrastructure. In the model, service offerings are associated with the technical services, and service level targets are associated with each of these offerings. A customer defined in the model subscribes to one of the service offerings of the business service. As business services are provided, the unified service model combines the service offerings tying the business and technical services to the associated service level targets, and administrators can manage the services and IT components using the unified service model.09-02-2010
20100223167Payment options for virtual credit - A method and system provides for the use of credit arrangements in simulated environments. A user can participate in credit transactions involving purchases of virtual products, virtual services, and virtual items of value. Feedback is provided to the user regarding results of the credit transactions. In some embodiments multiple users can make simulated purchases or incur simulated credit obligations that are posted to virtual accounts, and the multiple users can also make simulated compensation against balances due or obligations owed for said virtual accounts. The user is also provided with an opportunity of engaging in real-world financial transactions related to the virtual credit arrangement. In some implementations of the system and method, multiple players at different locations can use virtual charge accounts and/or real world financial accounts in connection with arranging or resolving a virtual credit transaction. One aspect makes a virtual charge account service available for use in a fictional world environment, wherein a billing statement charges various fees that may be valuated in fictional world money, real-world money, or non-monetary fictional world value tokens.09-02-2010
20100223165FINANCIAL TRANSACTION ANNOTATIONS - Embodiments of the invention relate to systems, methods, and computer program products for annotating financial transactions. For example, one embodiment of the invention provides a financial institution's computer apparatus having a memory communicably coupled to a processor. In one embodiment, the memory device includes information regarding a plurality of bank accounts stored therein, and the processing device is configured to receive an indication of a transaction involving a first bank account stored in the memory device, send a request for ancillary information about the transaction to a party associated with the first bank account, receive ancillary information, such as a photograph of a product purchased in the transaction, from the party associated with the first bank account, and associate, in the memory device, the received ancillary information with the transaction.09-02-2010
20120036052SYSTEM AND METHOD FOR UPDATING MERCHANT PAYMENT DATA - A system for updating merchant on file payment data at a payment processor is provided. The system includes a merchant processing selection system receiving selection data for one of two or more types of on file payment data update processing. A merchant account update system receives the selection data and processes account update data based on the selection data.02-09-2012
20100145835MOBILE DEVICE CREDIT ACCOUNT - Providing for a mobile communication device (MCD) credit account and credit transactions by way of such an MCD is described herein. As an example, a credit account sponsored by a financial or commercial entity can be associated with a unique ID of an MCD. The MCD can interface with another electronic device and initiate credit transactions, such as commercial purchases, credit transfers, currency conversions, and the like, via the interface. Further, rules provided by the sponsoring entity can guide such transactions, enforcing credit limits, for instance. A management component can then synchronize transactions conducted by the device with a server of a financial institution over a remote communication interface, such as the Internet or a cellular/mobile communication network. Accordingly, a mobile device can replace a traditional credit card in transacting credit business.06-10-2010
20100217693Independent Research Consensus Earnings Estimates and Methods of Determining Such - Apparatus and methods are described for correlating business relationships and issuing earnings estimates. According to the present invention, an earnings estimate can be generated for a company as it compares to a consensus estimate, or other rating aggregate, along with an indication of an investment banking relationship or other business relationship that the entity providing the estimate has had with the company. In addition to a consensus estimate that may be based upon current and previous analyst earnings estimates, operating actuals, expected reporting dates, footnotes and company-issued guidelines, indications of investment banking relationships and a consensus estimate is provided that excludes input from banks conducting business with the company. The present invention can also include suggested actions that can be taken based upon data relating to an investment banking relationship, an earnings estimate and/or a consensus earnings estimate that excludes input from banks with substantial business relationships with the company.08-26-2010
20090292628SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR PERFORMING ITEM LEVEL TRANSACTION PROCESSING - The present invention provides systems, methods, and computer program products for performing validation and clearance at a transaction item level for transaction received in a batch format. Each transaction of the batch is stored separately in a storage system, such as a logical database. Typically, image data and electronic data for a transaction are stored separately in the storage system and may be linked to each other. Each transaction is separately accessible and/or updateable. Each transaction stored in the storage system is separately analyzed to validate that the transaction is at least balanced. Transactions that determined to be balanced are cleared irrespective of a balance status associated with other transactions associated with the batch of transactions, such that transactions are individually cleared as opposed to being cleared in a batch format.11-26-2009
20100250409Computer-implemented method and system for posting journal entries to general ledger - Embodiments of computer-implemented methods and systems for posting non-machine journal entries to a general ledger can help the user validate non-machine journal entries posted to the general ledger. A non-machine journal entry application can be operated on a web platform which can be operated to maintain recurrent entries, create new or correct existing entries, and validate entries before posting them to the general ledger system. Operating the non-machine journal entry application, a user can store and maintain recurring entries in a database; validate a journal batch before posting; post recurring entries; correct existing entries; track journal entry batches sent to the general ledger; report on types of journal entries and posting history; and verify recurring batch completeness from exception, summary and account detail reports. The application centralizes the data entry and collection processes, enforces strict validation and quality control rules, and provides control through management reporting in a web-based environment.09-30-2010
20100250407SYSTEMS, METHODS AND MACHINE-READABLE MEDIUMS FOR CONSOLIDATING FINANCIAL INFORMATION FROM MULTIPLE ACCOUNTS MAINTAINED WITH A PLURALITY OF FINANCIAL INSTITUTIONS - Systems, methods and machine-readable mediums for consolidating financial information from multiple accounts maintained with a plurality of financial institutions. The systems may include a storage device and a processor. The storage device may store commercial data from a plurality of businesses and financial data from a plurality of financial institutions. The financial data may include at least one business account information maintained with each financial institution. The processor may execute code instructions to consolidate the financial data and perform at least one of the following operations: (1) determine if at least one business has a projected negative cash flow; (2) transmit an electronic notification to a payee/beneficiary of a scheduled payment from at least one payor's bank account; and (3) transmit a loan application and report on the financial and commercial data of the at least one business to a lending institution terminal. The computer readable mediums provide instructions to cause the processor to perform the operations above.09-30-2010
20100241536ELECTRONIC SETTLEMENT METHOD AND ELECTRONIC SETTLEMENT DEVICE - A method by which an electronic settlement device electronically transfers the monetary value of a predetermined amount from a first account to a second account comprises a first step (S09-23-2010
20100241534SYSTEM AND METHOD FOR REPORTING QUALIFYING PURCHASES - A method for reporting qualifying purchases is disclosed. The method comprises processing a purchase. The processing comprises storing a card number, a transaction identifier and at least one item identifier. The method further comprises matching the card number with a list of card numbers associated with participating card holders; assigning a customer number corresponding to the card number to conceal the card number; associating the transaction identifier and the at least one item identifier with the customer number; determining, for each of the at least one item identifier, whether the item identifier corresponds to a qualifying purchase; and transmitting each item identifier corresponding to a qualifying purchase to a third party.09-23-2010
20100235266Determining Charge for Content Distribution - A method of determining charge for content presentation includes identifying multiple target criteria that a content provider specifies for distribution of content, the multiple target criteria associated in a hierarchy. The method includes determining, for a presentation of the content to a user, which of the multiple target criteria are met by the presentation. The method includes recording a charge to the content provider for the presentation, the charge determined using the hierarchy and charge values associated with the multiple target criteria. The method can be implemented using a computer program product tangibly embodied in a computer-readable storage medium and comprising instructions that when executed by a processor perform the method.09-16-2010
20100235268FOCUSED RETRIEVAL OF SELECTED DATA IN A CALL CENTER ENVIRONMENT - A method, program product and system for retrieving customer data in a call center environment, includes completing a connection between a customer and a call agent. It also includes searching a database for a customer account or a business agreement based on information provided by the customer to the call agent. It further includes searching the database optionally for a premises that is either dependent of the customer account or business agreement or that is independent of the customer account or business agreement. It still further includes determining a contract corresponding to the premises and the customer account or business agreement. It also includes a search process that is completely flexible regarding search criteria and sequence. It finally includes dealing with the customer to resolve an issue related to the contract.09-16-2010
20100235267Guaranteed Postage - A system and method for managing a value of a descending register of a postal security device (PSD) in accordance with a guarantee is disclosed. Mailing data including a guarantee rate, and a public rate of postage disbursed for a mailpiece franked under terms of the guarantee, can be received. The public rate and the guarantee rate can be compared, and if the public rate is equal to or less than the guarantee rate, postage funds can be downloaded from an account corresponding to a lessee of the PSD.09-16-2010
20100211483SYSTEMS, METHODS AND COMPUTER PROGRAM PRODUCTS FOR MANAGING PAYMENT PROCESSES IN A COMPREHENSIVE PAYMENT HUB SYSTEM - Systems, methods, and computer program products are provided for managing the processing of a financial payment and, more specifically managing the processing of a financial payment in a comprehensive payment hub environment that provides for payment processing, including payment route determination, irrespective of the payment input channel. In accordance with embodiments herein disclosed, managing the processing of the payment includes automatically determining the payment processes and automatically determining the arrangement of the payment processes. As such, the methods, systems, and computer program products herein described provide for an efficient and cost-effective approach to processing payments.08-19-2010
20100138325METHODS AND ARRANGEMENTS INVOLVING ADAPTIVE AUDITING AND RATING FOR DISPARATE DATA PROCESSING - Electronic transactions are audited using a processing system to interact with each of a multitude of entity-specific processor circuits to process transaction data sets. In connection with an example embodiment, a processor circuit communicates with entity-specific processor circuits to receive electronic transaction data sets therefrom, each set of transaction data pertaining to an electronic account. The processor circuit executes processing functions to audit the transaction data set and generate evaluation information for use by the entity-specific processor, respectively using auditing rules defined for the entity-specific processor and evaluation criteria available to the processor circuit.06-03-2010
20100250410CARDLESS FINANCIAL TRANSACTIONS SYSTEM - Users are enabled to conduct financial transactions in a secured manner without the need to use traditional financial instruments, such as credit cards, debit cards, prepaid cards, ATM cards, checks, cash, etc. In addition, user's identity is kept confidential in the financial transactions.09-30-2010
20100250405METHOD, SYSTEM AND PROGRAM PRODUCT FOR IDENTIFYING REDUNDANT INVOICES - A method, system and program product for identifying redundant invoices. The method includes providing an accounts payable system having an invoice table that contains invoice data inputted from vendor invoices, executing an algorithm with the accounts payable system for identifying one or more redundant invoices among a current group of invoices chosen from the invoices inputted into the accounts payable system, where the algorithm identifies the redundant invoices among the current group of invoices using each of six redundancy criteria analyzed by the algorithm and outputting a perceptible report containing a separate section corresponding to each of the six redundancy criteria analyzed by the algorithm for identifying redundant invoices among the current group of invoices inputted into the accounts payable system, where a redundant invoice that is reported in one section of the perceptible report is not reported in another section of the perceptible report.09-30-2010
20100250411METHOD AND SYSTEM FOR CENTRALIZED IDENTITY AND ACCOUNT CONTROLS - The method and system provides consumers with the ability to define and control their identity and accounts to minimize vulnerability to identity theft and credit fraud. This is accomplished using a centralized system where consumers can define their identity and account profile and define rules that control access to their identity and accounts. This process works independently of existing credit bureaus and credit authorization processes, creating a dual authentication and authorization system. The primary feature of the invention is a centralized database that is controlled by consumers. The database contains information and rules defined by the consumer that will proactively protect their identity and accounts. The idea is to minimize the allowable access to consumer's identity and accounts. This creates an additional layer of protection that eliminates fraud.09-30-2010
20100250408Process for Resolving Duplicate Payment Postings in Day 1 - A computer implemented series of filters and/or criteria may automatically identify true duplicate payment transactions.09-30-2010
20100250406System Supporting Automated Clearing House (ACH) Features - Techniques for supporting an automated clearing house system (ACH) for facilitating resolution of ACH transactions. When a transaction item is blocked for an account, the associated transaction is paused so that the transaction item can be presented to the client. When the indication from the client is indicative of accepting the transaction item, the transaction is allowed to process. When the indication is indicative of returning the transaction item, the transaction is stopped and the transaction item is returned. On-line authorization maintenance information may be received from the client so that transaction items can be processed based on the on-line authorization maintenance information, which may be used edit a current authorization entry or to create a new authorization entry for a trading partner. A decision to approve a blocked transaction item may be decided by an employee of a client. However, approval may further require approval by a second employee.09-30-2010
20100211484ELECTRONIC BANKRUPTCY CLAIMS FILING SYSTEM - A system, method or apparatus that aids the management of electronic bankruptcy case related filings in a variety of court districts is provided. An exemplary system electronically receives bankruptcy case related proof of claim data or transfer of claim data from various loan or mortgage service providers. The received data may be reviewed, edited, standardized, audited and/or confirmed as being ready for transformation, according to predetermined court requirements, into proof of claim or transfer of claim electronic documents appropriate for filing with a selected court. An exemplary system may then electronically file, in a user originated or automated manner, such electronic documents via a selected court's electronic interface, receive an electronic filing receipt indicative of a successful filing therefore, and report such success electronic filing to the appropriate loan or mortgage service provider.08-19-2010
20100205076Methods and Apparatus for Analysing and/or Pre-Processing Financial Accounting Data - In an on-line method of analysing financial accounting data, uploaded financial accounting data is received at a server (08-12-2010
20130218732Methods and Apparatus for Facilitating Immigration Transactions using an Accounting System for Allocating Employment Credits - Methods, systems and apparatus for facilitating immigration transactions and investments are disclosed. Data is prepared for use in an immigration compliance report. One or more employment credits are reported as being allocated to an investment. The employment credits represent jobs created through investment in a first business entity that employs one or more employees that are simultaneously employees of the first business entity and a second business entity. The one or more employees that are simultaneously employees of the first business entity and a second business entity are identified as holding jobs created by the investment in the first business entity.08-22-2013
20130218733METHOD AND SYSTEM FOR DATA MANAGEMENT AND MONETIZATION - An apparatus, method, and system for linking out to product websites in an electronic laboratory journal environment are disclosed. The apparatus, method, and system comprising a module for receiving a content entry in a content space, a module for receiving a hyperlink associated with the content entry in the content space, the hyperlink configured to link out to a third party website with affiliation to the content entry, and a module for generating in the content space a content entry listing having embedded therein the hyperlink that is configured to link out to the third party website.08-22-2013
20130218734SYSTEM AND METHOD FOR ASSOCIATING FINANCIAL TRANSACTION DATA WITH A USER'S PROJECT DATA USING A PORTABLE ELECTRONIC DEVICE - This invention relates to a system for viewing and manipulating a user's financial transaction data and a method for associating financial transaction data with a user's project data using a portable electronic device.08-22-2013
20090281931Data Storage and Processor for Storing and Processing Data Associated with Derivative Contracts and Trades Related to Derivative Contracts - The description generally describes systems and methods for managing derivative contracts. The system maintains derivative contract states using a set of rules to ensure subsequent post-trade events are applied in the correct order, and without jeopardizing the integrity of the underlying derivative contract. Data about derivative contracts maintained in other environments can be back-loaded into the system to allow all of a user's contracts to be contained within the system, and data associated with the back-loaded contracts can be governed in the same fashion as existing derivative contracts. Payment processing and settlement can be handled automatically by the system. If a derivative contract in the system has an uncertain state, payment processing on the derivative contract can be initiated by either trading counterparty using payment processing logic.11-12-2009
20100191629SYSTEM AND METHOD FOR MANAGING ALLOCATION OF FUNDS BETWEEN A PLURALITY OF ENTITIES - Embodiments of the present invention provide a system and method for managing allocation of funds between a plurality of entities. In example embodiments, details of a remuneration to the plurality of entities are received. The remuneration relates to at least one transaction and the received details identify a list of individuals to be remunerated and an amount of the remuneration to be allocated to each of the individuals on the list. Funds associated with the remuneration are allocated among the plurality of entities to be remunerated based on at least a portion the details of the remuneration.07-29-2010
20100191628System, Method and Computer Program Product for Selecting and Weighting a Subset of a Universe to Create an Accounting Data Based Index and Portfolio of Financial Objects, as amended - A system, method and computer program product creates an index based on accounting based data, as well as a portfolio of financial objects based on the index where the portfolio is weighted according to accounting based data. A passive investment system may be based on indices created from various metrics. The indexes may be built with metrics other than market capitalization weighting, price weighting or equal weighting. Non-financial metrics may also be used to build indexes to create passive investment systems. Additionally, a combination of financial non-market capitalization metrics may be used along with non-financial metrics to create passive investment systems. Once the index is built, it may be used as a basis to purchase securities for a portfolio. Specifically excluded are widely-used capitalization-weighted indexes and price-weighted indexes, in which the price of a security contributes in a substantial way to the calculation of the weight of that security in the index or the portfolio, and equal weighting weighted indexes. Valuation indifferent indexes avoid overexposure to overvalued securities and underexposure to undervalued securities, as compared with conventional capitalization-weighted and price-weighted.07-29-2010
20090281934System And Method For Determining Trailing Data Adjustment Factors - Timely projections of product sales for a reporting time period are obtained by combining actual sales data received from reporting stores and estimated sales data for non-reporting stores. The projections are adjusted to account for trailing data, which may be reported after the end of the subject time period.11-12-2009
20090276342Pre-Pay Communication Services - A method and system for crediting a user account of a pre-pay communication service is presented. The method comprises the steps of: providing a shared credit resource to which a plurality of users of the pre-pay communication service are authorized access and to which at least one user contributes credit; and transferring credit from the shared credit resource to the user account, thereby enabling the user associated with the user account to use the pre-pay service.11-05-2009
20100191626FINANCIAL TRANSACTION SYSTEM - A financial transaction system includes: an ATM process substituting server connected to a backbone server that executes a user accounting process through a communication mechanism capable of concealing content of communication; and a transaction screen WEB server connected to the ATM process substituting server and capable of connecting to a user communication terminal. The transaction screen WEB server transmits, to the communication terminal, transaction screen data for the user to input transaction necessary information, receives, from the communication terminal, transaction necessary information data inputted in accordance with the transaction screen data, and transmits the transaction necessary information data to the ATM process substituting server. The ATM process substituting server transmits the transaction necessary information data to the backbone server and transmits a message requesting the user for a specified transaction process. The system provides quick, easy transactions without needing to input a second personal identification number or one time password.07-29-2010
20100191625MONEY PROCESSOR, MONEY PROCESSOR SYSTEM, AND CONTROL METHOD - A money handling machine of the present invention is provided with: a communication interface that can be connected to a communication network; and a web server portion that generates instruction data for providing an instruction to control the money handling machine, through a terminal device connected to the communication network, and that uses the communication interface to transmit the instruction data. The instruction data is in a form that can be browsed by a web browser included in the terminal device, and the web server portion receives a browsing requirement from the web browser and transmits the instruction data to the web browser, which made the requirement. The web server portion transmits the instruction data with a HTTP protocol or a HTTPS protocol.07-29-2010
20100191624SYSTEM AND METHOD FOR CLASSIFYING REQUESTS - Embodiments of the present invention generate identification rules to classify requests as corresponding to particular transactions. Embodiments of the present invention examine a set of sample requests, determine patterns in the sample requests and generate identification rules based on the request patterns to classify subsequent requests as corresponding to particular transactions. As more sample requests are processed, embodiments of the present invention can update the identification rules. Put another way, embodiments of the present invention can automatically learn how to classify requests better as more requests are processed.07-29-2010
20100191623SYSTEM UPDATE MANAGEMENT - Embodiments of the invention provide systems and methods for managing updates to a financial transaction monitoring system, wherein the financial transaction monitoring system is configured to specially handle any financial transactions involving an entity identified in a list of entities. In one embodiment, the system includes a communication interface configured to receive an update to the list of entities, the update including one or more new keywords. The system may further include a memory device having information about a plurality of transactions. In one embodiment, the system includes a processor configured to: determine the number of transactions in the plurality of transactions that can properly be associated with at least one of the new keywords; and determine whether the update will impact the financial transaction monitoring system based at least partially on process metrics and the determined number of transactions in the plurality of transactions that can properly be associated with at least one of the new keywords.07-29-2010
20100191622Distributed Transaction layer - The disclosed technology is of a transaction layer allowing for security and trust between parties sending and receiving funds. The technology allows any company or entity to become a host server to host user accounts for sending and receiving money and is backup up by one or a plurality of secure registry servers which point users to a correct host server. Substantially any electronic-enabled payment method known in the art, so long as it is negotiable between a payor and payee, may be used with embodiments of the disclosed technology and sensitive data may be hidden from the other party. Gift cards and third party payments are also contemplated as being part of the disclosed technology.07-29-2010
20090319403DIMENSION-BASED FINANCIAL REPORTING USING MULTIPLE COMBINATIONS OF DIMENSIONS - Tools and techniques are described for dimension-based financial reporting using multiple combinations of dimensions. These tools may provide methods that include receiving requests, submitted on behalf of users of dimension-based financial reporting systems. These methods may create reports from the financial reporting systems. In some cases, these requests from the users may reference incomplete account structures, and may also specify customized hierarchies for the reports. In such cases, the methods may determine that these requests reference incomplete account structures, and may transform the incomplete account structures to create fully-qualified requests. In addition, these methods may include identifying dimensions, as maintained by the financial reporting systems, that are responsive to the requests, and may combine these dimensions into responses to the requests.12-24-2009
20090319404METHOD FOR AUTOMATICALLY CLASSIFYING MONEY TRANSFERS MADE ON A BANK ACCOUNT - A method for automatically classifying the transactions on a bank account includes mapping the identification codes of the firms with which the transactions are operated with the sectorial code of each firm and to map these sectional codes with categories of the transactions. This allows an automatic classification of the expenses of an individual. The transactions are summed in each category for a predetermined period of time and can be therefore presented in an optimized fashion to the bank account's holder. These sums can be compared to average values or corresponding values of the same individual for a preceding period of time. The result of the comparison can be expressed by a number and/or a sign.12-24-2009
20080313062SYSTEM AND METHOD FOR MAPPING PAPER RECEIPTS TO ELECTRONIC RECEIPTS USING AN APPLICATION-SPECIFIC USER INTERFACE ON A PERSONAL COMMUNICATION DEVICE - Systems and methods for providing an electronic receipt for an order previously made at a retail device by a consumer interacting with a personal communication device are disclosed. According to one system and method, a receipt is scanned using the personal communication device, where the order was previously made by the consumer interacting with an application-specific user interface executing on the personal communication device and the application-specific user interface was provided on the personal communication device based on a received identifier associated with the retail device. The scanned receipt is converted to the electronic receipt.12-18-2008
20090319402Automated Invoice Processing Software and Services - A method and system for automated invoice processing. An improved method for invoice processing based on an application service provider model in which invoices can be accessed and approved via the Internet from anywhere in the world. This method and system allows a company to manage the process of storing, reviewing, approving, and paying invoices from a single, centralized application. The invoice processing application is integrated with an accounting or ERP system such that payment can be made automatically and redundant data entry eliminated. The approval hierarchy used by the invoice processing application can be obtained from the human resources system of the client organization.12-24-2009
20090112742COMMUNICATION CONTROL METHOD IN CONNECTION-ORIENTED COMMUNICATION, RELATED TRANSFER DEVICE, AND BILLING MANAGEMENT DEVICE - A gateway server 04-30-2009
20090112741Method and system of generating audit procedures and forms - The present invention provides a computer-implemented method for automatically generating and placing documents associated with a tax and accounting related engagement, for example assessing risks associated with an audit. A user is presented with a plurality of audit items and a set of risk levels associated with the audit items and may also be presented with a plurality of prompts designed to elicit a set of responses from the user. The set of user responses being associated with a set of risks associated with the audit. The set of risk levels being associated with a set of assertions associated with the audit items and may include first and second risk levels of different degrees. The method further includes processing a set of responses received from the user in response to the items presented. The method includes automatically generating a suggested audit approach that is based at least in part on the processed responses. The method further includes automatically generating documents associated with the suggested audit approach and placing the automatically generated documents within a predefined set of folders. The method may also determine a set of procedures that are based on the responses. The set of procedures are presented to the user based on the suggested audit approach.04-30-2009
20090112740CHARITY AUCTIONS ON SOCIAL NETWORKS - Methods, systems, and apparatuses for performing a fundraising campaign are provided. A charity is determined to receive contributions from a plurality of entities. With regard to the charity, contribution constraints are received from each entity of the plurality of entities. The contribution constraints for an entity may include a contribution budget and at least one conditional contribution conditioned on a contribution amount of at least one other entity contributing to the charity. Contribution amounts are calculated for the plurality of entities based on the contribution constraints. Each entity is informed of a corresponding contribution amount of the calculated contribution amounts, so that the entities can provide their respective contribution amounts to the charity.04-30-2009
20100299233SYSTEM AND METHOD FOR APPROVAL AND ALLOCATION OF COSTS IN ELECTRONIC PROCUREMENT - A system, method and computer program product for approval and allocation of costs in electronic procurement is described, wherein approval and allocation of costs are made in response to an electronic invoice, which includes information used to allocate procurement costs to one or more cost centers.11-25-2010
20110112939USER INTERFACE FOR DEFINING ACCOUNT DIMENSION COMBINATIONS - A user interface is provided enabling users to build and modify account structures with various account-dimension combinations and rules for those combinations. The user interface provides context for the account structure and controls for creation and modification of the account configurations.05-12-2011
20100312675Systems and Methods for Reporting Chargebacks - Systems and methods for reporting a chargeback are provided. In this regard, a representative method, among others, includes retrieving customer transaction data related to a closed account, the customer transaction data including at least one of the following: transaction amount, transaction date, transaction identification number, credit rating and authorization date; determining whether any inconsistencies exist based on the retrieved customer transaction data; and responsive to determining that the customer transaction has inconsistencies, reporting a chargeback to an acquirer bank.12-09-2010
20100312676PROGRESSIVE CATEGORATION AND TREATMENT OF REFUND ABUSERS - Various methods and systems are provided to manage on-line transactions by categorizing users who request refunds of purchases (e.g., digital goods) and requiring certain conditions to be met before a refund is issued or processed. The conditions change for different categories of users. In one embodiment, a refund process is made progressively harder or burdensome as users are categorized in worsening refund abuse categories.12-09-2010
20130013467Method And Apparatus For Net-Pay And Debt Consolidation - A method and apparatus for consolidating net-pay and debt management of a sales representative or sales team is presented. A party associated with the sales representatives may obtain debts and specify rules on payment of those debts which can be tracked back to the domain (e.g., agreements, rules, sale item, etc.). The ledger items created for that distributor by the commission engine are typically processed to distribute payments into accounts specified by the distributor and to pay debts obtained by the distributor. Available money may be split into various methods of payments for a distributor. These splits can be tracked by adding various constraints. The system allows the user to model the payment rule/constraints. Payment splits support pay-outs to alternate payee from funds of a distributor. The distributor may specify deduction rules which can be applied to the distributors earning to facilitate deductions for items.01-10-2013
20130013469SYSTEM AND METHOD FOR DATA MANAGEMENT AND FINANCIAL TRANSACTION CATEGORIZATION - A transaction management system includes a database system configured to receive and store data for a plurality of financial transactions, the data for the plurality of financial transactions being associated with a plurality of financial accounts of a user. The system further includes a server system coupled to the database system and configured to categorize the plurality of financial transactions into a plurality of categories, the categories including merchant categories and payment method categories, the server system being further configured to provide a plurality of user interfaces to the user, each user interface providing a display of a different portion of the plurality of financial transactions, each user interface configured to enable a user to select a link configured to direct the user to an image of a check associated with one of the plurality of financial transactions; and categorize the financial transaction into a one of the merchant categories.01-10-2013
20100318446FLEXIBLE RISK MANAGEMENT FOR PRE-AUTHORIZATION TOP-UPS IN PAYMENT DEVICES - A method of operating a payment device includes prompting the user to enter a monetary amount for a top-up request. The method further includes receiving user input into the payment device, where the user input indicates the monetary amount. The method also includes prompting the user to enter a passcode, receiving user input of the passcode in the payment device and verifying the passcode. Still further, the method includes comparing the monetary amount with a risk management parameter, and based on the result of the comparison, determining in the payment device whether to execute the top-up request off-line within the payment device.12-16-2010
20090070241Bank balance funds check and negative balance controls for enterprise resource planning systems - A computer-implemented method, for enterprise financial systems, consisting of a set of controls, that checks if the existing bank balance funds available is adequate for each incoming transaction that requires or impacts such funds, and validates the transaction when there is adequate bank funds available, or fails validation when inadequate; and at the same time, accepts and processes incoming receipts, irrespective of whether or not there is adequate bank funds, to cover any negative receipts, even if resulting in or increasing the existing negative bank funds available, if any, and manages the situation arising there out of; as a result of which, the system prevents negative bank funds available, resulting or increasing, from outgoing payments against invoices, by way of, amongst others, restriction on the standard flexibility of fluctuation between positive and negative amounts, and at the same time, accepts all receipts, positive and negative, by way of, amongst others, context-sensitive exceptions to the restriction; including in situations with or without preauthorized credit limit or prepaid amount as the case may be.03-12-2009
20090037303METHODS AND SYSTEMS FOR PROCESSING A FINANCIAL TRANSACTION - A method for processing a financial transaction such as an electronic bill payment is provided. The method includes receiving an electronic bill payment wherein the bill payment is submitted on behalf of a consumer in response to a bill associated with a biller, determining using a computer system that the received electronic bill payment is an exception payment wherein the exception payment includes the electronic bill payment submitted by the consumer having consumer entered information not matching a criterion for accepting electronic payment required by the biller, creating an exception addenda record for the exception payment using data stored within a database wherein the addenda record identifies the consumer submitting the exception payment, and posting the exception payment to an appropriate consumer account for the biller based on the addenda record.02-05-2009
20090037302PROGRAMMATICALLY SCHEDULED VERIFICATION - The claimed subject matter provides a system and/or method that facilitates verifying an asset within an industrial environment based upon a programmatically defined state. A sensing component can determine a state of a process that corresponds to a programmatically defined state. A verification component can verify an asset associated with the process upon the sensing component that determines the state of the process.02-05-2009
20100241537DEBT SALES SYSTEM AND METHOD - A system and method for transferring credit accounts over a network include steps and means for receiving search criteria from a user, searching a credit account database for available credit accounts based on the search criteria, providing results of the searching to the user, the results including a summary of available credit accounts and a purchase price for each available credit account, receiving a selection of at least one of the available credit accounts from the user, calculating a total purchase price for the selected at least one of the available credit accounts, receiving a purchase request from the user corresponding to the selected at least one of the available credit accounts, providing an invoice to the user for the total purchase price, receiving a payment from the user in response to the invoice; and in response to the received payment, removing the selected credit accounts from the credit account database.09-23-2010
20100332361MECHANISM FOR CONTROLLING CHARGING IN CASE OF CHARGING CLIENT RELOCATION - There is proposed a mechanism for charging control and a charging client relocation. When it is determined that a relocation of a charging related functionality for a communication connection from a previous charging client node to a new charging client node is executed, the new charging client node requests quota information used in a charging procedure for the communication connection from a charging server node. A charging agent is informed by the new charging client node about the relocation to the new charging client node after predetermined information is received from the previous charging client node and the quota information is received from the charging server.12-30-2010
20110131117METHOD AND ADMINISTRATION SYSTEM FOR MONITORING OF DISPOSAL PROCESSES FOR MONEY - A method and an administration system (CCMS) are proposed for monitoring of disposal processes for funds (GM) which are accepted by at least one money acceptance system (CP) and which are removed from the monetary cycle, wherein inventory data (B06-02-2011
20110029417User defined internet jukebox kiosks set top box - A computer readable storage method and system allowing any artist to upload media, including images, video and music, to a server, have that media uploaded in a system of internet jukeboxes placed in establishments for instant playback of media by paying customers. The system of internet jukeboxes programmed to maintain an account for the artist allowing the artist to earn fees and royalties from playback of the media and to provide for automated payment of rent, and other fees due the establishment and the service provider.02-03-2011
20110029419Method, Apparatus and Program Storage Device for Providing Real-Time File System Charge-Back Accounting Per Management Object During A Report Cycle - A method, apparatus and program storage device for providing real-time file system charge-back accounting with real time historical minimum and maximum usage per user or group during a report cycle. In a first storage area of file system memory, space allocation data for a current accounting period is monitored and persistently maintained. A minimum, maximum and average space allocation is calculated for the management object during the current accounting period. The calculated minimum, maximum and average space allocation for the management object may be moved to a second storage area of the file system memory while beginning to monitor and persistently maintain space allocation data of the management object in the first storage area of the file system memory during a subsequent accounting period.02-03-2011
20110029416METHOD AND SYSTEM FOR TRANSFERRING AN ELECTRONIC PAYMENT - A method and system for transferring an electronic payment between a purchaser and a merchant that includes assigning a role of a merchant account to a first account and a role of a purchaser account to a second account within a payment system, adding an item from a product catalog stored in the payment system to a purchase list, obtaining a user ID token of a purchaser from a merchant terminal, communicating identity confirmation information associated with the user ID token to the merchant terminal, and transferring funds for the purchase price total from the purchaser account to the merchant account.02-03-2011
20110029418Systems and Methods for Managing Tips and Gratuities - Disclosed are systems and methods for recording, maintaining, and reporting tips and gratuities, optionally including details such as employee, task performed, and shift. In one aspect, inter-employee tip and gratuity transactions are tracked and verified. In another aspect, taxing authority forms and/or returns are automatically generated with substantially decreased administration time and cost, thereby facilitating a user's participation in voluntary taxing authority programs. Additionally, the training required by such programs is automatically monitored. In yet another aspect, tips and/or gratuities may be paid as wages. In another aspect of the present invention, employees are provided an opportunity to increase declared tips if the originally declared tips place employee in jeopardy of an audit. In another aspect, interfaces to third-party systems such as POS systems, payroll systems, and the like are provided to further minimize system administration time and data accuracy. In another aspect, Web-based systems are provided.02-03-2011
20110029415System and method for business or personal transactions - A computer system and method for recoding and controlling a business transaction involving a referral to the business made by a first party to a second party. Information about the first party and a referral incentive are recorded on the computer and then encoded on a two part card. The computer recording is retrievable by a unique identifier also encoded on the two part card. Certain auxiliary information related to the transaction are encoded on the business card. The first party gives the first card part to a second party. The second entity may, later, present the first card part to the business. Using the unique identifier the computer recording is retrieved. Using the two card parts and the retrieved computer information, the first party is identified, the incentive is conformed and the first party receives the incentive.02-03-2011
20100153245SYSTEM AND METHOD FOR REAL-TIME ACTIVITY-BASED ACCOUNTING - An accounting method and system is disclosed that provides for real time financial accounting of plant performance at a sub-plant level. A multiplicity of process variable transmitters is utilized to sense, in real time, the current state of the processes and process equipment used in a manufacturing plant. Sub-plant accounting modules utilize the sensed process data to calculate a plurality of sub-plant accounting measures, which are stored in one or more real time plant historian. The accounting measures are typically converted to a suitable format and subsequently stored in a production model accounting database where they are accessible to an accounting module.06-17-2010
20110213683METHOD AND SYSTEM FOR MANAGING AND MONITORING FUEL TRANSACTIONS - Fueling transactions (and other types of transactions) may be verified for legitimacy and validity by recording audio, video and/or images of the transaction as it occurs. The recordings may then be indexed according to one or more transaction parameters such as a driver identifier, a vehicle or transportation unit identifier, an invoice number, a fueling station and the like. A carrier associated with a driver and/or vehicle or other transportation unit may specify which transactions are to be recorded. Accordingly, the fueling station may automatically determine whether to record a transaction upon receiving a transaction initiation request. Transaction recordings may be made based on transaction recordation parameters defined by a carrier and stored and indexed based on transaction storing parameters.09-01-2011
20110040661METHOD AND SYSTEM FOR FACILITATING A CONTEXT-BASED ELECTRONIC COMMUNICATION REGARDING A FINANCIAL TRANSACTION - Method and system providing context-based electronic communication regarding a financial transaction. One system includes a database configured to store data pertaining to a financial transaction involving an investment fund. The system further includes a display application configured to create a display for displaying the financial transaction and one or more transaction parameters. The transaction parameters are based on data pertaining to the financial transaction stored in the database. The system further includes a communication application configured to create a communication interface. The communication interface enables a first user to initiate a communication with a second user regarding the financial transaction. The communication interface further automatically embeds at least a portion of the transaction parameters in the communication displayed to the second user.02-17-2011
20110112942SYSTEM AND METHOD FOR PARTITIONING AIRTIME FOR DISTRIBUTION AND DISPLAY OF CONTENT AT RETAIL ESTABLISHMENTS - A system and method for partitioning available airtime of electronic display equipment on a national and local level to encourage business establishments to utilize the electronic display equipment from a service provider. In partitioning the airtime, the service provider and business establishments that utilize the electronic display equipment of the service provider and/or media network may share in the airtime from booking and/or displaying content on the electronic displays. National level advertising enables content to be displayed at multiple, non-related business establishments (e.g., different grocery store food chains across the country). Local level advertising enables content to be displayed at individual business establishments (e.g., a single grocery store chain).05-12-2011
20110040663CENTRALIZED CHARGING SYSTEMS FOR OFFLINE CHARGING AND ONLINE CHARGING - Centralized charging systems and methods are disclosed for providing offline charging and online charging for a plurality of network elements. The centralized charging system is implemented in a communication network between the network elements and offline/online charging systems. A network element interface of the centralized charging system receives charging request messages from CTFs in the network elements. An accounting data forwarding function processes charging data in the charging request messages to determine if offline or online charging is invoked for the services. For offline charging, the accounting data forwarding function generates offline accounting request messages that include the charging data. For online charging, the accounting data forwarding function generates online accounting request messages that include the charging data. The charging system interface then transmits the offline accounting request messages to the offline charging system, and transmits the online accounting request messages to the online charging system.02-17-2011
20110040662METHOD AND APPARATUS FOR CREATION OF NEW CHANNELS IN A CONSULTATION SYSTEM - In exemplary embodiments, an apparatus and method for creating a new channel on a consultation system is provided. In exemplary embodiments, a selection to create a new channel is received from a device of a creator. Data directed to creating the new channel is also received. The data may include category information for the new channel. The new channel is created based on the received data. In one embodiment, the new channel is a new category. In another embodiment, the new channel is an affiliate relationship.02-17-2011
20110112940Systems and Methods for Managing Tips and Gratuities - Disclosed are systems and methods for recording, maintaining, and reporting tips and gratuities, optionally including details such as employee, task performed, and shift. In one aspect, inter-employee tip and gratuity transactions are tracked and verified. In another aspect, taxing authority forms and/or returns are automatically generated with substantially decreased administration time and cost, thereby facilitating a user's participation in voluntary taxing authority programs. Additionally, the training required by such programs is automatically monitored. In yet another aspect, tips and/or gratuities may be paid as wages. In another aspect of the present invention, employees are provided an opportunity to increase declared tips if the originally declared tips place employee in jeopardy of an audit. In another aspect, interfaces to third-party systems such as POS systems, payroll systems, and the like are provided to further minimize system administration time and data accuracy. In another aspect, Web-based systems are provided.05-12-2011
20110112941CONTENT USAGE RULE MANAGEMENT SYSTEM - A content user terminal including a utilization unit that provides a content utilization, and an interface unit 05-12-2011
20100153241SYSTEM AND METHOD FOR AUTOMATED RECONCILIATION OF PURCHASE ORDERS - A system and method for reconciling transaction data, including identifying one or more transactions to be reconciled; aggregating one or more potential matching purchase orders; and creating a proposal that identifies one or more purchase orders that may correlate to the transaction to be reconciled, wherein creating a proposal comprises performing one or more search iterations to identify one or more purchase orders that fit within one or more parameters of the search iterations.06-17-2010
20090063313Witness system - A witness system using EDI (electronic data interchange) to perform efficient distribution and account settlement processes between selling and buying companies. A buying company makes documents according to delivery or order vouchers, and electronically sends the documents to a selling company via a notarization authority. The selling company compares the authentication documents with delivery or order vouchers the selling company issued, and, after determining that the documents are correct, executes a confirmation response to the notarization authority. The notarization authority registers the documents in the witness server's receipts detail table and notifies the buying and selling companies that the notarization authority authenticated the documents. This structure enables the making of accurate detailed payment statements when, for example, a detailed payment statement is made or a funds transfer is executed based on confirmed data. Furthermore, checking the detailed payment statement is made simpler through reference to the witness system server.03-05-2009
20110125619METHOD AND SYSTEM FOR COMPLETING A TRANSACTION BETWEEN A CUSTOMER AND A MERCHANT - A computer-implemented method for completing a transaction between a customer and at least one merchant receives, by a transaction system, an authorization request including customer data and transaction specific data from the merchant, wherein, prior to the authorization request, the customer is unknown to the transaction system; authenticates the customer by the transaction system based at least in part upon at least one of the following: at least a portion of the customer data, at least a portion of the transaction specific data or any combination thereof; authorizes the transaction by the transaction system based at least in part upon at least one of the following: at least a portion of the customer data, at least a portion of the transaction specific data or any combination thereof; and communicates the authorization response to the merchant during the transaction. An apparatus for implementing the method is disclosed.05-26-2011
20110119165ACCESS FILES AND TRANSFERABLE ACCESS RIGHT SYSTEM FOR DIGITAL INTELLECTUAL PROPERTY - A system and method of use for Access Files and Transferrable Access Right System for digital intellectual properties (IP). An IP-User gain paid, sponsored or free access of specific level of Access Right to remotely archived digital IP. Using the system's custodial software installed in the IP-User's access device, the IP-User downloads a copy of potentially large digital IP for local access and creates Overlays of value-added information for the digital IP. The Access Right and the Overlay information are stored in a small protected Access File. The large digital IP is deleted after each use, if desired, for security purposes or to save local memory space. The Access Files are stored in local protected folders and optionally stored securely in the remote IP archive system and they are indexed, searchable and retrievable by keywords and partial information. The IP-User opening the Access File will cause the applicable archived digital IP to be Access-Right-verified, accessed and downloaded again, the annotation overlay will be applied and then the composite IP is presented to the IP-User. The IP-User's Access Right is registered and can be securely transferred to another IP-User using the Transferable Access Right System.05-19-2011
20110213684FINANCIAL MANAGEMENT SYSTEM - The invention provides a financial management system for use in managing a bank account, wherein the bank account is sub-divided into at least two credit containers, each credit container corresponding to a category associated with an activity relating to funds available in said account, wherein each said category is predetermined such that a uniform set of credit containers apply to all customers having a said bank account. According to the invention, a plurality of credit containers, or pots, is associated with a given account; since these pots are predetermined and specified by, e.g. the provider of the bank account, the functionality and services associated with a given account, in terms of transferring funds between credit containers, can be standardised for a given customer base and require less user intervention than do known financial management systems.09-01-2011
20110087567USING ACCOUNT SYMBOLS INSTEAD OF GENERAL LEDGER ACCOUNTS IN THE TRANSACTION MESSAGES OF THE BUSINESS APPLICATIONS OF AN ENTERPRISE - Systems and methods for using account symbols instead of general ledger accounts in the accounting documents generated by the business applications running in an enterprise environment are described. A correspondence between account symbols and general ledger accounts is defined and stored in a memory of a computer system. A business application generates accounting entries using account symbols instead of general ledger accounts. The generated account messages are received at an accounting application through an inbound interface. The account symbols in the accounting entries are replaced with the corresponding general ledger accounts. Financial documents are generated at the receiving accounting application based on the financial entries.04-14-2011
20090070239OPEN PLATFORM FOR UNREGISTERED SECURITIES (OPUS) - A computer-implemented, web-interfaced method of trading and settlement of unregistered securities issued under an exception outlined in Rule 144A includes providing access to a website in communication with a network. A data structure is established and stored in a memory and includes information relating to one or more unregistered securities and entities involved with the trade. A trade request is received via the network from an interested investor, and a QIB eligibility status is determined for each of the interested investors. Eligible QIBs are allocated an investment slot if a number of allocated investment slots is less than a regulated value. Otherwise, an investment slot is denied to any remaining QIBs. A related system and computer-readable medium are also disclosed.03-12-2009
20110125621PROCESS FOR DETERMINING OBJECT LEVEL PROFITABILITY - A process for determining object level profitability includes the steps of (1) preparing information to be accessed electronically, (2) establishing rules for processing the prepared information, (3) calculating at least one marginal value of profit using established rules as applied to a selected set of prepared information, and (4) combining the at least one marginal value of profit and fully absorbed value of profit adjustment to create a measure for object level profitability. The inventive process gives management profit measures tailored to its need for accurate decision oriented profit information required to manage a large organization based on profit measurement.05-26-2011
20110125617SYSTEM FOR MANAGING OPERATION WITH RESPECT TO STORAGE APPARATUS - A management system is coupled to a storage apparatus which is an apparatus for providing a logical volume, and to a billing computer which is a computer for determining a billing amount. The management system acquires an operation-related log, which is information related to an operation that is requested of the storage apparatus by a user and that has ended normally, and the management system then stores the acquired operation-related log. The management system specifies, from a plurality of operations corresponding to a plurality of operation-related logs, an invalid operation which is an operation that corresponds to a predetermined invalid operation condition which is a condition corresponding to an invalid operation, uses an operation-related log other than the operation-related log of the specified invalid operation from among the plurality of operation-related logs to perform totalization for creating billing information, which is information comprising a totalization result required for determining a billing amount, and sends the totalization information to the billing computer.05-26-2011
20110178903PERSONAL IDENTIFICATION NUMBER CHANGING SYSTEM AND METHOD - Systems and methods are provided for enabling a cardholder to authenticate and change a current PIN associated with a chip card using a chip card interface device (CCID) having a chip card input/output device configured for interacting with the chip card. A PIN entry device receives from the cardholder a current PIN, which is communicated to the chip card along with a verify command. The chip card compares the current PIN input by the cardholder with the PIN stored on the chip card. If the cardholder input is verified, the cardholder can input a desired new PIN. The CCID then communicates a locked PIN through a host to the issuing bank's backend system, which unlocks the PIN and stores the desired PIN. The backend system then creates a PIN change script including the new PIN and communicates the script to the chip card over the network. The chip card runs the script, which instructs the chip card to store the new PIN in place of the previous PIN.07-21-2011
20100030671MULTI-COMPANY BUSINESS ACCOUNTING SYSTEM AND METHOD FOR SAME INCLUDING SECURITY - In at least one embodiment of the present invention, a computer implemented security method useable with a multi-company accounting system which is accessible by a plurality of authorized users having varying degrees of access to accounting information is provided. The method comprises determining roles that a first authorized user is a member. The roles have corresponding masks and each of the masks is for one of grant and deny access to at least one account within the accounting system. The first authorized user is provided access to details of the accounts that are granted and not denied in the masks of the roles that the first authorized user is the member of to define viewable accounts. The first authorized user is provided access to the accounting information that contains at least one of the viewable accounts.02-04-2010
20100030670METHOD OF MONITORING DIFFERENT DEBIT CARD TRANSACTIONS ASSOCIATED WITH A SINGLE FUNDING SOURCE - The invention herein relates to a method of monitoring different debit card transactions associated with a single funding source. In particular, the method includes associating first and second debit cards with a single funding source, the first and second debit cards having different identification codes, different levels of transaction data and having different characteristics associated therewith. Further, the method includes reviewing debit card transactions settled from the funding source. Debit card transactions associated with the first and second debit cards are identified. Separate records are maintained for the debit card transactions identified with the first debit card and for debit card transactions identified with the second debit card. Advantageously, the method of the subject invention permits personal and business expenses settled from a single funding source to be identified and for records to be maintained thereof.02-04-2010
20110071930BUDDY LIST FOR BLOCKED SERVICE - A buddy list is used to provide a service to a user if the service is blocked. A user may store multiple profiles in a user device, and each profile identifies a different buddy list. If the user's service is blocked, the user device is configured to retrieve a profile and send a request to use a buddy list from the profile to utilize the service. If a request is rejected, another profile is tried until the request is approved or until all the profiles have been exhausted.03-24-2011
20100161458Systems and Methods for Managing Charitable Contributions and Community Revitalization - A system and method for managing charitable contributions and community revitalization includes efficiently providing donations to charities, matching donors with recipients, identifying entities and organizations that may be able to help a community meet the development goals thereof, and facilitating communications between information providers and individuals seeking information. The system and method also include developing a social network of individuals and organizations who are interested in the charitable contributions and community revitalization, and providing information regarding donations made by members of the social network and other contributors.06-24-2010
20100228649METHOD AND SYSTEM FOR DETECTING FRAUD IN A CREDIT CARD TRANSACTION OVER THE INTERNET - A method and system for detecting fraud in a credit card transaction between consumer and a merchant over the internet. The method and system comprises obtaining credit card information relating to the transaction from the consumer; and verifying the credit card information based upon a variety of parameters. The variety of parameters are weighted so as to provide a merchant with a quantifiable indication of whether the credit card transaction is fraudulent. In so doing, an integrated verification system is provided which allows a merchant, or the like, to accurately and efficiently determine the validity of a transaction over the internet.09-09-2010
20110087569Profit and loss sharing banking system / PLS banking system - We introduce PLS Banking. This new banking system can easily be embedded and executed by conventional existing banks or other financial institutions within proposed framework and defined products. To overcome the problems of weak relationship between rate of return in real economy and interest rate in monetary sector Riba (usury) is to be vanished and be replaced by PLS mechanism.04-14-2011
20110087568INTEGRATED PROFILE AND PAYMENT EXCHANGE - A method for integrated profile and payment exchange, in one example embodiment, comprises receiving, via an interface with a member merchant, universal credentials to be provided by a member customer, based on the universal credentials, authenticating the member customer, each member customer having a pre-established customer account, receiving a further request to process a payment for one or more items purchased by the merchant customer from the member merchant, processing the payment by charging one or more payment instruments associated with the pre-established customer account, generating a payment record related to the payment, associating the payment record with the member merchant, selectively aggregating the payment with further payments associated with the member merchant into an aggregated payment, and making the aggregated payment into an account associated with the member merchant.04-14-2011
20090048952Systems and Methods for Adjusting Crediting Limits to Facilitate Transactions - A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.02-19-2009
20090048951Systems and Methods for Facilitating Budgeting Transactions - A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.02-19-2009
20090048949System and method for managing photographs from site audits of facilities - A system and method for managing site audit information may include a storage unit configured to store site audit information. The site audit information may include a deficiency identifier of a facility and include at least one photograph of the deficiency. A processing unit may be in communication with the storage unit, and be configured to manage the site audit information stored in the storage unit. The processing unit may further be configured to display the photograph(s) of the deficiency in response to receiving a request for information about the deficiency.02-19-2009
20110251933ENERGY-SAVING MEASUREMENT, ADJUSTMENT AND MONETIZATION SYSTEM AND METHOD - System and method include precisely modeling of a facility's energy usage over time based on historic data, and precisely predicting or measuring its actual, reduced energy usage over time after a redesign, retrofit, or renovation, or other positive change to the facility. The energy cost savings, whether over a time point of view (POV) of predicted, real-time, or historic, are creditable to the intervening remediation or renovation of the facility's energy footprint. In accordance with one embodiment, multiple-variable inputs are modeled using arithmetic regression and steepest-descent convergence arithmetic solutions based in large part on building-science (construction) data versus outside average temperature (t) that simplifies the modeling and measurements. Additionality is thus addressed along with a system and method that is more accurate, more repeatable, more reliable, and thus more credible and more readily monetized.10-13-2011
20090037304CONDUCTING COMMERCE BETWEEN INDIVIDUALS - Receiving payment includes the establishment, at a first server, a transaction record including information identifying a payment amount, a first account to be credited by the payment amount, and a second account to be debited by a debit amount. A financial authorization network performs an authorization analysis on at least the second account. The second account is debited if the authorization analysis is successfully completed, and the first account is directly credited by the payment amount to conclude the transaction. Risk analysis may be performed for each individual. Payment is integrated with shipping.02-05-2009
20100042520System and method for an electronic lending system - A method for interfacing with a financial institution using a computer interface is disclosed for on-line or E-Lending. A customer selects a lending product on the website of a financial institution. The financial institution receives information to authenticate the customer, and receives additional information related to the financial history and lending needs from the customer. The terms and conditions related to the lending product are presented to the customer and an authorization to an application is received from the customer. A risk analysis is performed using information received from the customer and the application of the loan is subject to approval based at least in part on the risk analysis. The third set of information related to insurance, disclosures, etc is received from the customer and a fourth set of information related to the closing information is provided back to the customer. The loan may be further closed on-line or with an attorney or agent.02-18-2010
20090216670COMMISSION MANAGEMENT SYSTEM - The present invention relates to a commission management system and method for managing soft dollar and commission recapture services over communications network. The system and method pays the invoices from the soft dollar commission account after the client views and approves invoices online.08-27-2009
20090216669Business Method and System for Planning, Executing and Administering a Public Offering of Revenue Backed Securities - The present invention discloses a system and associated method for creating, executing and administering revenue backed securities which includes direct ownership of business revenues, and which can also include ownership of defined business assets. These business and investor benefits are derived from asset-based securities in which the underlying assets consist wholly or in part of revenue rights under one or more revenue-sharing agreements. These securities can also be based on a combination of business assets and revenue-sharing agreements.08-27-2009
20090216667Systems and methods for enterprise financial information management - A system, method, and computer readable medium for enterprise financial information management is disclosed. Customized hierarchical representations are defined and associated with a business enterprise. The customized hierarchical representations include one or more nodes. A business process instance is associated with the one or more nodes. Financial data is received. The financial data is assigned to the business process instance.08-27-2009
20090216666Systems and Methods for Providing Electronic Transaction Auditing and Accountability - Embodiments of the invention can provide systems and methods for electronic transaction auditing and accountability. In one embodiment, a method of providing electronic transaction auditing can be implemented. The method can include determining at least one unique identifier associated with a respective transaction. The method can also include communicating the at least one unique identifier to a destination server. In addition, the method can include receiving data associated with an electronic transaction and at least one unique identifier corresponding to the unique identifier previously communicated to the destination server and associated with the respective transaction.08-27-2009
20090216665Systems and Methods for Providing Vending Network Data Management - Embodiments of the invention can implement systems and methods for providing vending network data management. In one embodiment, a system for vending network data management can be provided. The system can include a vend settlement manager program module operable to receive a plurality of electronic transactions from at least one transaction-type device. The vend settlement manager program module can be further operable to reconcile the plurality of electronic transactions. Furthermore, the vend settlement manager program module can be operable to communicate response data for each electronic transaction to at least one server.08-27-2009
20100063907Insurance Billing System - A method and system of billing consumers for services rendered by a service provider includes determining at least one service to be rendered to the consumer and identifying at least one code corresponding to the service. A confidence level is determined for each of the at least one codes. A code is assigned to each of the services, with each code corresponding to the respective service and being based at least in part on the corresponding confidence level. An estimated consumer balance for the services rendered is determined in view of the assigned code.03-11-2010
20100063906SYSTEMS AND METHODS FOR AUTHENTICATION OF A VIRTUAL STORED VALUE CARD - A virtual card management system including one or more servers having memory executable via a processor is provided. The virtual card management system including a virtual card manager executable on the one or more servers having an integration connector engine configured to communicatively link at least one card service provider and the virtual card manager. The virtual card management system may further include a virtual card management platform configured to communicatively link the virtual card manager with at least one virtual card engine, each virtual card engine including one or more virtual cards, the virtual card management platform including an enablement module configured to selectively enable a virtual card transaction between at least one virtual card and a corresponding card service provider based on a set of predetermined authentication rules.03-11-2010
20100063903HIERARCHICALLY APPLIED RULES ENGINE ("HARE") - An electronic transaction decision module is provided that includes a dynamic rules engine, processing system and interfaces to enable various participants in an electronic payment environment to establish and modify the rules, condition values, fees and rewards associated with electronic transactions. Participants in electronic financial or other economic transactions are authorized and enabled to define multiple rules, condition values, fees and rewards within which they either authorize or deny the consummation of a financial transaction and define its impact upon various participants, and to dynamically and efficiently modify those rules, condition values, fees and rewards when desired. Rules, condition values, fees and rewards may be set and evaluated hierarchically based on the participant's relative authority with respect to each attribute. Embodiments of the invention enable the rapid deployment and real-time management of card and mobile payment programs and provide access to card program functions not only by card issuers and program managers, but also by individual cardholders.03-11-2010
20110106673METHODS AND SYSTEMS FOR IDENTIFYING MUSICAL COMPOSITIONS IN A SOUND RECORDING AND LICENSING THE SAME - Disclosed herein is a musical works administration service to digital music service providers (DSPs), to provide a streamlined approach for such DSPs to comply with copyright licensing, accounting, and reporting requirements. The service receives, from the DSP, information relating to sound recordings used by the DSP during a relevant time period. Using several matching techniques, the service identifies specific musical compositions embodied in each sound recording, and also determines corresponding publisher-share information. Subsequently, the service employs several mechanisms to attempt to obtain licenses for publisher-shares that are not already covered by preexisting client licenses. Based on the client's usage of such sound recordings and other related information, the service also performs accounting, reporting, and payment operations for the client. The service, in some instances, receives funds from the client and makes corresponding royalty payments (and makes accounting reports available) to the respective rights holders.05-05-2011
20100057595AUTOMATED TRANSACTION PROCESSING SYSTEM AND APPROACH - Transaction management is facilitated using an approach involving the use of transaction characteristics to authenticate transaction information. According to an example embodiment, a computer processing system is programmed to process a shipment transaction involving a shipper and a carrier. The system is particularly suited to efficiently automate the payment of a shipment transaction and to efficiently provide access to relevant shipment information. The system includes a shipper processor that receives transaction document information such as purchase order information and assists in generating a bill of lading for the transaction. A shipper access terminal interfaces between the shipper processor and a central processor arrangement to control the quantity, quality, and timeliness of information transferred to the central processor arrangement. The central processor arrangement stores selective transaction information such as shipment information and generates reports regarding the transactions, with each transaction having particular information associated with it (e.g., shipper ID, carrier ID and other information). A carrier processor provides proof of delivery to the central processor arrangement. The central processor communicates with one or more financial institutions so that the carrier is paid and shipper billed for the relevant transaction.03-04-2010
20110099096METHODS AND SYSTEMS FOR LICENSING SOUND RECORDINGS USED BY DIGITAL MUSIC SERVICE PROVIDERS - Disclosed herein are methods and systems for providing a musical works administration service to digital music service providers (DSPs), to provide a streamlined approach for such DSPs to comply with copyright licensing, accounting, and reporting requirements. The service receives, from the DSP, information relating to sound recordings used by the DSP during a relevant time period. Using several matching techniques, the service identifies specific musical compositions embodied in each sound recording, and also determines corresponding publisher-share information. Subsequently, the service employs several mechanisms to attempt to obtain licenses for publisher-shares that are not already covered by preexisting client licenses. Based on the client's usage of such sound recordings and other information required to calculate the royalty rate(s) associated with such usage, the service also performs accounting, reporting and payment operations for the client. The service, in some instances, receives funds from the client and makes corresponding royalty payments (and makes accounting reports available) to the respective rights holders.04-28-2011
20100070393SYSTEM AND METHOD FOR SETTING UP A PRE-AUTHORIZATION RECORD - A computer-assisted method includes hardware, software and telecommunications components that cooperatively achieve the technical effect of an improved electronic purchasing transaction system. In various embodiments of the invention, at least one master account is established for a client. A pool of limited use account identifiers or secondary account identifiers, that are separate and distinct from the master account, is associated with the master account by a purchasing system or account management system. Each of the limited use account identifiers may be used by the client to purchase items from merchants.03-18-2010
20110082775Risk-Cost Analysis of Currency Exposure Reduction for Currency Exposure Management - Methods and apparatuses enable companies to analyze potential foreign currency exposure reduction actions. Value-at-risk (VaR) for currency exposures and cost of potential exposure reduction actions are used to order currency exposures representing foreign currency exposure for a company. Currency exposures associated with negative cost actions are ordered based on a ratio of VaR to cost. Currency exposure associated with positive cost actions can also be ordered, either based on VaR or cost. An output representation of the VaR versus accumulated cost is generated from the ordered currency exposures. Additionally, a graphical representation of VaR versus accumulated cost can be generated from plot points based on the ordered currency exposures. The output representation, whether a table, list, or graph, allows comparing potential exposure reduction actions.04-07-2011
20100070392COMMERCIAL CURRENCY HANDLING AND SERVICING MANAGEMENT - Aspects of the invention provide for an end-to-end currency handling, and servicing apparatus. The apparatus may be used in any cash-centric business or enterprise for cash register till set up and balancing, back office reconciliation, and other cash payment handling activities. Further aspects of the invention provide real-time access to cash receipts for enterprise use in making financial and planning decisions.03-18-2010
20110251930DATA MANAGEMENT FOR TOP-DOWN RISK BASED AUDIT APPROACH - Particular embodiments generally relate to providing risk management. In one embodiment, a first risk is linked to an account group assertion in a data structure. A second risk is linked to a control objective in the data structure. Access to the first risk is granted through the account group's assertion. Access to the second risk is granted through the control objective. Risk management is then performed using the accessed first risk and second risk.10-13-2011
20110251936Method for Selecting a Charging Rule in Connection with a Subscriber and System Thereof - The present invention discloses a method for selecting a charging rule in connection with a subscriber. The method comprises: an AF providing a CRF with service information and user information used for selecting a charging rule; the CRF selecting a charging rule for the subscriber according to the user information and service information. The present invention also provides a system for selecting a charging rule in connection with subscriber. By this invention, the CRF, when selecting a charging rule, can select a charging rule in connection with different subscribers according to the user information and implement diversified charging based on different using situations of the same packet data service, which will attract subscribers to use packet data service, increase the using frequency of packet data service, and be conducive to the promotion and application of packet data service.10-13-2011
20110251934SYSTEM AND METHOD FOR PROVIDING A MERCHANT BILL ASSESSMENT GRAPHICAL INTERFACE FOR INDICATION OF SAVINGS OPPORTUNITY - The present disclosure relates to comparison shopping and usage based service analysis for consumers, primarily for financial products. A consumer may not be aware of a provider's services, options, terms, conditions, costs, or how the service options change based on the consumer's particular usage characteristics. The disclosed comparison shopping method uses actual or predicted service usage data from the consumer. Service provider information is used to present the consumer with relevant alternative service offering options. Transaction data is gathered from a user's financial account and is analyzed for a savings opportunity indication. The analysis is used to match a savings opportunity from a database of savings opportunities, and the savings opportunity may be displayed in a statement of a user's financial account. Past responses to a savings opportunity indication may be gathered and analyzed. In one example, a savings opportunity is presented to a user through a graphical user interface.10-13-2011
20110251932Systems and Methods for a Causality Analyzer - A causality analyzer that provides attribution of causality effects for changes in revenue, margin and margin percentage is provided. The causality analyzer selects a reference time period and a comparison time period, and receives transaction data. Data cleansing and correction may be performed on the transaction data. The analyzer may then calculate change in total margin, percent margin and total revenue between the reference time period and the comparison time period using the transaction data. Each of the total margin, the percent margin and the total revenue may be disaggregated into one or more of a price effect, cost effect, quantity effect, product mix effect, customer mix effect, exchange rate effect, new and lost business, and an adjustment change. In this way the total margin, the percent margin and the total revenue are each defined as a summation of the individual causality effects. Causality effects may be disaggregated in such a way that the shared effects are allocated according to the proportion of percent change for each element, thereby unbiasing the effects to more accurately reflect actual causality.10-13-2011
20110099094OUTGOING RETURNS PROCESSING - Methods, systems, apparatuses and/or computer program products are directed to outgoing returns processing. The outgoing returns processing includes receiving outgoing returns data files, where the outgoing returns data files may be of a plurality of different file formats and received from a plurality of different channels. The outgoing returns processing further includes converting the outgoing returns data files to a platform file format and retrieving image files based on the outgoing returns data files. The outgoing returns are then settled.04-28-2011
20100250404System to recover acquisition costs - A system for recovering acquisition cost wherein a company is engaged by a client to provide marketing media having a set acquisition cost, a recovery amount, and a recovery condition. The company performs or delivers the marketing media consistent with acquisition agreement. At least two different audits are performed to determine whether the marketing media were successfully delivered, and the recovery condition was met prior to the return of the recovery amount to the client.09-30-2010
20110099095PROCESSING INTERNAL USE OF DATA-CENTER RESOURCES - Internal use of an entity's data center is processed on a sub-entity basis. A sub-entity's consumption of a data-center resource is tracked and pricing information is applied to a quantity of the data-center resource that is consumed to determine an amount to be charged to the sub-entity. An accounting application of the entity is accessed to perform a charge back from the sub-entity. The accounting application reports the amount as an internal cost transfer of the entity.04-28-2011
20110106670SYSTEM AND METHOD FOR USE IN MANAGEMENT OF FINANCIAL ASSETS - A computer system has a processor; and a memory storage device in communication with the processor. The processor is configured, in a business cycle, to access fund expense calculation data and perform verification of the fund expense calculation data; receive data indicative of prices of the funds, perform verification with respect to the received price data; after completion of verification of the fund price data, receive data indicative of trades, perform verification on the received trade data; after completion of verification of the trade data, provide output signals indicative of instructions for execution of trades consistent with the verified price and trade data; based on the trade instructions data, determine instructions for payment in settlement of trades, provide output signals indicative of the instructions for payment; and update accounting ledgers with data from the business cycle.05-05-2011
20110082776CREDIT AUTHORIZATION IN A CORE NETWORK - A node for a telecommunications system, comprising a PCEF and interfaces towards a BERF, a PCRF, and an OCS, an Online Charging System. The node is equipped with a function for sending a credit authorization request and event information to the OCS, and for receiving, in reply, a credit authorization trigger from the OCS. The node also comprises a function for forwarding such credit authorization triggers to the PCRF and for receiving from the PCRF acknowledgment of installation in the BBERF and information regarding the events for which credit is sought. The node comprises a function for receiving the result of a comparison between the event information that was sent to the OCS and the event information that was received from the BBERF; if those two are not similar, the credit authorization is not considered completed.04-07-2011
20110078061CHARGING FOR OPERATOR-ASSISTED SESSIONS IN IMS NETWORKS - IMS networks and methods are disclosed for charging for operator-assisted sessions. To perform the charging, an operator assistance application server (AS) acts as an interface between an operator system (legacy or IMS) and charging systems for the IMS network. When an operator-assisted session is initiated in the IMS network, the operator assistance AS receives a session initiation message in SIP, and transmits the session initiation message to the operator system to allow the operator system to collect charging information from an end user. The operator assistance AS then receives a service request message from the operator system that includes the collected charging information, and detects a charging event. The operator assistance AS generates a Diameter charging request message, maps the charging information from the service request message to the Diameter charging request message, and transmits the Diameter charging request message to a charging system to charge for the operator-assisted session.03-31-2011
20110078058CUSTOMIZABLE MARKETING PROJECT INTERFACES - Systems and methods are provided to enable filtered searches of marketing-related data by extracting marketing project information, including marketing activities, promotions, and campaigns information from an existing marketing system database and restructuring the extracted information in a hierarchical series of selectable nodes. In an embodiment, some of the nodes may be grouped into time, accounts, products, agreements, or marketing plan tabs. In an embodiment, once one or more nodes are selected and a search is activated, the results may be presented in a list or Gantt chart. In an embodiment, the Gantt chart may be supplemented with additional information including additional date ranges, key performance indicators (KPIs), and/or trade spends. In an embodiment, this additional information may vary according to a user role and the nodes selected.03-31-2011
20110078059SYSTEM AND METHOD FOR MONITORING SECURITIES HOLDINGS FOR RELATED ENTITIES - Systems, methods, and computer-executable instruction mechanisms such as programming structures for generating signals representing holdings of securities held by pluralities of commonly-controlled entities. Such systems, methods, and computer-executable instruction mechanisms can further be useful for generating signals representing alerts and data useful in generating reports relating to securities holdings, and for assessing regulatory consequences of proposed transactions.03-31-2011
20110071929SYSTEMS AND METHODS FOR MANAGING BUILDING SERVICES - Described herein are systems and methods for managing building services. In overview, various embodiments provide software, hardware and methodologies underlying an approach to the management of building services as discussed herein. Generally speaking, data collected at an access control terminal is processed to determine building service costs, and appropriately attribute those costs to a relevant party or group of parties. In one example, a building has a conference room that is available for use by a plurality of tenants. To use the meeting room, an employee of one of the tenants provides an access control respective token to an access control terminal located in a conference room. This initiates a request, which is subsequently either granted or denied subject to an authorization/authentication procedure. Where the request is granted, the user is provided with access to a building service essentially defining usage of the conference room for a predetermined period of time. For example, lighting and air-conditioning is provided to the room for that predetermined period. A building service cost associated with that usage of the conference room is determined (for example in terms of power, maintenance, etc), and attributed to the relevant tenant.03-24-2011
20120303494METHODS AND APPARATUS FOR ON-LINE ANALYSIS OF FINANCIAL ACCOUNTING DATA - There is discloses an on-line method of analysing financial accounting data, a server and a computer program. Certain embodiments of the method comprise receiving at a server uploaded financial accounting data from a client computer which includes a set of accounts A organised into account groups G. The financial accounting data is mapped to an accounting ontology stored at the server comprising at least a pre-defined set of primary category tags C and a pre-defined set of base level tags B each associated with a primary category tag C. The accounts are mapped according to mapping account groups G to primary category tags C and mapping accounts A to base level tags B, wherein each base level tag B has an associated set of criteria K. The mapped data is then analysed at the server. The results may be authorised to be shared with interested third parties.11-29-2012
20100169192Detection Of Compromise Of Merchants, ATMS, And Networks - A system and method for detecting compromise of financial transaction instruments associated with a merchant or automated teller machine (ATM) are disclosed. Historical data representing a historical aggregate financial transaction instrument behavior history is stored in a computer memory. The historical data is received at the computer from one or more merchants and ATMs via a communications network. Authorization data representing authorization behavior of a plurality of financial transaction cards related to corresponding financial transactions at the same or a different one or more merchants and ATMs is received by the computer. Abnormal activity data representing an abnormal aggregate financial transaction instrument activity based on the authorization data is determined, and the historical data is compared with the abnormal activity data to generate a compromise profile for the plurality of financial transaction instruments.07-01-2010
20110251935Mobile Battery Replacement Unit - This present invention provides a method for portable electric vehicle battery replacement comprised of providing a platform adapted for holding an electric vehicle upon it, storing a plurality of electric vehicle batteries, and loading charged batteries into the electric vehicles.10-13-2011
20110251931Accurate Method of Account Checking in the Situation of 7*24 Hours Transactions Between Telecom Multiple Systems - This article is about the accurate method of account checking in the situation of 7×24 hours transactions between telecom multiple systems. The systems we discussed here provide services individually. There is an Account Checking Controlling Server, and all the systems are connected with the Account Checking Controlling Server, the transaction between systems is distributed by Account Checking Controlling Server. Account Checking Controlling Server is in charge of control and manage the transaction of account checking between systems, it is consists of transaction management module, account checking cycle management module, transaction flow module and account checking management module. Transaction management module is in charge of storage and handle the system information and the system distribute rules. Account checking cycle management module is responsible for create and manage the account checking cycle. Transaction flow module realize the specific transaction. Account checking management module is responsible for account checking. This invention realize account checking accurately, it can do account checking timely, accurately, and don't affect the systems 7*24 hours running, when account checking cycle ended, account checking is automatically invoked, so we can find problems as soon as possible.10-13-2011
20090024495Method and System for Monitoring Electronic Transactions - A method and system for monitoring electronic transactions, such as credit card transactions, to determine whether associated transaction costs, such as interchange fees, are being properly qualified. This is accomplished by monitoring for a “spike” in interchange qualifications and generating an alert when one or more spikes are detected. Spikes in interchange qualifications are defined as a variation in interchange qualifications compared with an historical level. The method and system may also monitor changes in cost or efficiency for other types of transactions in which the cost or efficiency of the transaction is based directly upon one or more variables.01-22-2009
20090164349Transaction and Account Management System - An information management system that consists of data, a rules database, and user profiles is provided. The rules database stores information about system responses to modifications of the data. The user profiles store information concerning the availability of information and displays depending upon the user. Automatic updates to user profiles in response to modifications to the data are performed.06-25-2009
20130166421REAL TIME PROCESSING OF LARGE VOLUME OF VENDOR DATA - Notifications regarding content transactions may be received at a high rate in systems providing content to a large number of customers from a number of vendors. Each notification may contain multiple fields of information about the transaction. Business rules for determining amounts that should be invoiced for content transactions have fields of information for matching to nonfictions. As each notification is received: (1) a rule having fields of information that match fields of information contained within the notification is located; (2) an amount that should be invoiced for the transaction is determined from the located rule; (3) a line item in the determined amount is added to an open invoice for the vendor related to the content transaction that the notification is about; and (4) the updated open invoice may be saved. These steps may all be performed in real time, without copying or redistributing data in the original notification.06-27-2013
20130166422System and Method of Financial Reconciliation and Attribution for Businesses and Organizations - Provided is a disbursement tracking system for organizations, government entities and the like. The system is a financial accounting platform that facilitates disbursement of funds to specific recipients within an organization and performs error checking to ensure that only the addressee takes control of the funds. This is accomplished through the creation of an address label which is affixed to the disbursement in the form of a concatenated bit pattern in a funds file, or a separate disbursement record file containing relevant identifying information. Address label information will include a sender identifier, an address identifier, a disbursement amount, and optionally an optional reference number associated with an allocation or budget proposal. When the disbursement is received by a department or project manager, the system checks the address label against the department's identifier for a match. A correct match results in attribution of the funds to the recipient's available funds total.06-27-2013
20110258088FINANCIAL AUDIT SCOPING WORKBENCH - A computer-readable medium, computer-implemented method, and apparatus are provided. In one embodiment, financial data is extracted from a financial manager, and the financial data is mapped to compliance data from a compliance manager. One or more controls of one or more accounts from compliance data is selected to be in scope, and an assessment plan is created for the selected one or more controls within scope.10-20-2011
20130159151Determining Change in Interchange Rate - This document describes tools capable of auditing and/or determining changes in card-issuer interchange rates charged for credit-card transactions. The tools may do so automatically and with user interaction for large amounts of transactions.06-20-2013
20130159149INTEGRATING PARTNER ERP SYSTEM INTO A HOST FINANCIAL SYSTEM USING GENERIC COST OBJECTS - Systems and methods to provide integration of partner ERP systems into a host financial system using generic cost objects. In example embodiments, an accounting system having a generic cost object is maintained. A user interface for creating a configured cost object that represents a specialized business item is provided. Data that mirrors the configured cost object is received, which results in a mirror cost object. Accounting operations are performed in the accounting system based on the mirror cost object and a corresponding business control set by replacing the generic cost object with the mirror cost object. Output based on performance of the accounting operations based on the mirror cost object and corresponding business configuration set are provided.06-20-2013
20120150702METHOD AND SYSTEM FOR PREPARATION OF ACCOUNTING DATA - In the preparation of accounting data for transactions involving money on at least one money transfer system, in particular on an automated teller machine, data is exchanged using the so-called SWIFT code, for example. The management system normally produces the accounting data in a standard form for all transaction following a format such as this. For flexible preparation of accounting data for different financial institutes, it is now proposed that the system comprise a conversion device (PTSIA) which is connected to the management system (CCMS) in order to prepare the accounting data in different ways for different financial institutes (B1, B2, . . . ) through the conversion device (PTSIA) for the respective financial institute (B1) converting the first accounting data items (D-IN) into second accounting data items as a function of presets (TMPL), wherein the presets (TMPL) indicate at least one format (DTA) desired by the financial institute (B1) for the second accounting data items (D-OUT).06-14-2012
20100280928Multiple Balance State Account Processing - A computer based system and method for processing financial accounts. Each account is defined by multiple daily account balance records. Each daily account balance record is defined by a daily account balance record posting state that defines the types of transactions that may be posted to the daily account record balance at any one time. The various daily account balance records defining a single account may have different daily account balance record posting states, thereby allowing different types of transactions for different account days to be posted to the same account simultaneously. The resulting account processing system and method provides customers greater flexibility in transferring money between accounts and provides banking entities greater flexibility in account processing timing and reducing operational costs.11-04-2010
20110161212Web Based Conference Server and Method - A video conference server in a digital data network that includes at least one audio port and at least one video port, a memory unit, an audio processing unit, a video processing unit, a control unit that generates control signals, a memory device, an access program module and a content program module. The audio and video port connect to a client workstation via the digital data network. The client workstation has a video output and an audio output. The memory unit associates an audio channel and a video channel of the digital data network with a client workstation. The audio processing unit and video processing unit receive signals from the audio and video port and generate signals for transmission to the client workstation.06-30-2011
20100100462Methods and Systems for the Determination and Display of Payment Lead Time in an Electronic Payment System - A system and method for determining and displaying a payment lead time or expected payment delivery time in an electronic payment system is disclosed. A payee associated with a payor is identified. Prior to receiving a payment request to pay the payee on behalf of the payor, an expected payment delivery time for a payment to fulfill the payment request is determined. The expected payment delivery time is based on at least one payment attribute associated with the payee and at least one payment attribute associated with the payor. An interface screen is then generated for displaying the determined expected payment delivery time.04-22-2010
20100100461PAYMENT TRANSACTION SYSTEM - A payment transaction system, including a transaction exchange for: 04-22-2010
20090240609SYSTEM AND METHOD FOR TRACKING AND ANALYZING LOANS INVOLVED IN ASSET-BACKED SECURITIES - Embodiments of the disclosure are directed to providing unique loan identifiers to track loans involved in Asset-Backed Securities (ABS) throughout the life-cycle of the individual loans. In one embodiment, a unique loan identifier, for example, a loan number, may be appended to loan data at initiation of each loan, for example, at the application stage, to and/or beyond the retirement of the loan. The unique loan identifiers may allow disparate financial data sources such as the credit histories of the borrowers to be associated with the individual loans, even as the loans are repackaged and resold as ABS in the secondary markets. Thus, market participants such as loan servicers and investors can access current and historical data associated with the loans. Other embodiments are directed to analyzing the data associated with the underlying loans and providing the analysis to the market participants including servicers, investors, and underwriters.09-24-2009
20080243650Service System and Method for Mobile Payment of Small Amount Using Virtual Caller Id - The present invention relates to a mobile micropayment service system and method using a virtual caller ID. According to a micropayment service system and method of the present invention, a user can use mobile micropayment service not only without providing the personal information of the user to a mobile PG center but also by transmitting a short message, and each mobile network operator directly manages the bill particulars information with respect to the mobile micropayment without depending on the mobile PG center.10-02-2008
20080243651Method for Acquiring and Maintaining High Quality Subscribers Using a Bifurcated Contract - A method to provide an enterprise with the ability to keep service contract subscribers for a longer period of time and the ability to retain subscribers during an initial period of time is presented. A bifurcated contract is used with the subscriber for the agreement. The bifurcated contract consists of a service portion and a financial installment portion to pay for the hardware, certain service costs and installation costs associated with the service. The financing portion allows the subscriber's credit rating to be affected and affords the enterprise greater collateral or security as well as potentially lower funding costs. The enterprise encourages the vendor that originated the contract to sell the contract by paying the vendor the vendor's cost and a portion of the typical vendor profit along with, in certain cases, a percentage of the monthly payments for those subscribers retaining the service beyond an initial term.10-02-2008
20090182654SYSTEM AND METHOD FOR DATA COMPLETION INCLUDING PUSH IDENTIFIER - A system and method for processing push transactions. A payor may initiate a transaction without input from the payee. A system can determine who the payee is from partial information provided by the payor, and direct the transaction to the proper party.07-16-2009
20110213685OCR Enabled Management of Accounts Payable and/or Accounts Receivable Auditing Data - A number of different tags are input in a fax cover sheet that tell an OCR system not only the identity of the supplier, but also to which client the document should be routed. The OCR system identifies a number of these tags and compares them to stored supplier data to validate to which supplier the document belongs. If the system cannot validate the document, it is routed to a GUI for manual sorting. If there is no coversheet, the system relies upon the OCR system to locate keywords on the document and caller ID information to suggest a correct supplier. The OCR system also clips a separate, horizontal slice of the document ('snippet) that corresponds to the display of any line item and places it in a data base for future reference and reporting. The application collects and associates all corresponding snippets to their originating line items.09-01-2011
20120203677Network Tools for Analysis, Design, Testing, and Production of Services - Various embodiments are disclosed for a services policy communication system and method. In some embodiments, a network device publishes a test service profile to a group of communications devices, in which the test service profile provides for beta testing of the test service profile for a service on a network, and the test service profile includes service policy settings; and monitors use of the service by the group of communications devices based on the test service profile.08-09-2012
20120203676Software for Automatic Processing of Paper Financial Documents - A computer software that provides the user with the means to import an image of a paper financial document for data extraction. The extracted data automatically populates a financial datasheet and can be synchronized with a company financial record being kept on an external accounting software. The present invention provides the user with the convenience of automatic data input and eliminates the traditional method of individually inputting financial transactions into the accounting software.08-09-2012
20080288378Processing system for recording media content - A method and system are provided in which a user is enabled to record, for example, a song or other radio and/or video content, on demand, and to account for and process appropriate payment for the use of the recorded content. The recorded material is saved and indexed by title and is retrievable for subsequent review, tabulation and/or playing at the user's convenience. In one example, a user is enabled to record received media content by pressing a single “ADD” button at any time while a favorite song is being received and played. The song then being played together with the title of the song or video presentation are then saved to memory for subsequent retrieval and playing. The received content is accounted for and tabulated and a payment for the use of the recorded song is processed by the user in accordance with a predetermined payment schedule.11-20-2008
20110010278EXPENSE TRACKING, ELECTRONIC ORDERING, INVOICE PRESENTMENT, AND PAYMENT SYSTEM AND METHOD - Systems and methods for automating an invoice approval process are described herein. Rules are created which are evaluated against a set of attributes. A rules engine is automatically invoked upon receipt of a document in an electronic invoice presentment and payment system. The rules engine determines which rules are applicable to documents received and processed in the system, and applies those applicable rules in a pre-defined sequence.01-13-2011
20110010279Laundry payment and monitoring system - A laundry center for monitoring operational and payment data for laundry machines in a laundry facility in which the data is collected and transmitted over a powerline communication link using the wire distribution lines from which the machines receive power.01-13-2011
20110055058CONTACT ALERT SYSTEM AND METHOD - Embodiments of the present invention are directed to a system and method for receiving transaction data for a transaction, accessing a database comprising alert preference data, generating a contact alert message using the transaction data and alert preference data using a notification server coupled to the database wherein the contact alert message comprises contact information of a first person who conducted the transaction, and sending the contact alert message to a notification device of a second person.03-03-2011
20110055060Voluntary Benefits Outsourcing Systems and Methods - Voluntary benefits outsourcing systems and methods may be used to provide voluntary benefits to employees. An employee may choose to select any number of voluntary benefits from a menu of voluntary benefits available to that employee through the voluntary benefits system. Available voluntary benefits may include, but are not limited to, automobile insurance, homeowners insurance, life insurance, accident insurance, critical illness insurance, disability insurance, healthcare insurance, dental insurance, long term care insurance, pet care insurance and legal services insurance, discounts on computers, movie tickets, auto financing, educational testing, telephones, travel, child care, and a host of other work/life offerings, for example. The voluntary benefits systems and methods include calculating a single payroll deduction based upon the selection of the voluntary benefits by the employee. In this manner, the employee may receive a pay check with only one deduction for all selected voluntary benefits.03-03-2011
20110055059COMPUTER-IMPLEMENTED METHOD AND SYSTEM OF TRACKING AND AUTOMATICALLY MAKING PAYMENTS FOR RECYCLABLE ITEMS DEPOSITED AT REVERSE VENDING MACHINES - A method and system are provided for automatically making payments for recyclable items deposited at reverse vending machines. The method includes the steps of: (a) creating a user recycling record accessible by a server computer system for each of a plurality of users and associating each user's record with a unique user identifier; (b) receiving data in real time at the server computer system from a plurality of reverse vending machines over a communications network, the data relating to deposits of recyclable items by users at the reverse vending machines, the data for each deposit by a user including the unique user identifier of the user and information on the recyclable items deposited; (c) from the data for each deposit by a user identifying the user recycling record associated with the unique user identifier and crediting the user recycling record based on the information on the recyclable items deposited by the user using the server computer system; and (d) for each deposit by a user, issuing a request to have a financial institution to make a specified electronic payment based on the recyclable items deposited by the user.03-03-2011
20110055057RETURN PAYMENT CARD PROCESS - A payment card returned as undeliverable is processed with a card administration system that responds to the return of the payment card by setting a “returned” indicator in a data record of a cardholder to whom the payment card was intended for delivery, and otherwise maintains the cardholder's account without change. A card handling system initiates destruction of the returned payment card and provides a replacement payment card to the cardholder if updated profile information of the cardholder is received within a predetermined time period, and closes the cardholder account and returns any funds in the cardholder account if no updated profile information of the cardholder is received within the predetermined time period.03-03-2011
20110055056Systems, Processes and Methods of Financing Entertainment Projects and Products Thereby - Systems, processes and methods of financing an entertainment project such as a feature film comprising the public offering for sale of a limited-life vehicle such as shares of common stock in a corporation whose primary asset is the project such that buyers (investors) become beneficial owners of the entertainment project, using the proceeds associated with the sale of the vehicle to produce the project, providing for the registration of the security instrument evidencing the vehicle, and paying to investors periodic returns such as distributions based upon the revenues of the entertainment project.03-03-2011
20110055055GENERAL LEDGER CHART OF ACCOUNTS COMBINATION EDITING REQUEST RESPONSE - A web-service for validating or invalidating accounts from a general ledger (GL) chart of accounts is described. Upon a request from an application for whether an account value corresponding to a department and a product is valid, the service indicates whether the combination of account value/department/product is valid for the chart of accounts. The system can be extensible markup language (XML)-based and can indicate validity down to the line level of a request.03-03-2011
20110093366METHODS AND APPARATUS FOR MANAGEMENT OF SOFTWARE APPLICATIONS - Methods and apparatus for flexible management of applications provided by one or more application service providers and accessible to one or more client devices such as multi-function devices (e.g., MFPs). A management system registers new applications by recording in a database application information provided by the application service provider. Client devices may then request a menu of all available applications and may subscribe to one or more provided applications by interaction with the management system by transmitting subscription information to the management system. The management system then receives usage information from the service provider for usage of a subscribed application by the client device. The management system records the usage information and may produce reports upon request from the recorded usage information. The application information may include pricing model information such that the management system may provide accounting reports for accumulated usage and related charges therefore.04-21-2011
20110119164METHOD AND SYSTEM FOR FACILITATING SHIPPING VIA A THIRD PARTY PAYMENT SERVICE - A system and method for a web server hosted by a third-party payment service is disclosed. Shipping information for a package is received from a client computer operated by a sender party. A shipping label associated with the package is generated in response to the receipt of the shipping information. The shipping label is sent to the client computer such that the shipping label can be printed out at the client computer.05-19-2011
20110119163Method and system using search terms to accumulate, aggregate and price data from a plurality of data originators - A business method that enables a user or owner of one or a plurality of data sources to set fees or other consideration(s) for exchanges and links to a second or a plurality of data sources discovered through Internet searches or other data source discovery methods and integrating the data or the data sources into a data supply chain or federated data source.05-19-2011
20120150701Hierarchical Processing of Tolling Options for Telematics Services - The described method and system provide a system and method for efficiently and effectively processing the hierarchical selecting and switching between tolling options associated with a telematics service and tolling a subscriber's account accordingly such that the provision of telematics service to a user of the telematics unit is uninterrupted if possible and the optimal tolling option is utilized. Many different types of telematics services exists, and each telematics service may have a corresponding set of tolling options, including various telematics-based (internal) and network-based (external) tolling options, prepaid and postpaid tolling options, as well as other types of tolling options. The disclosed invention allows the telematics service system to select an optimal tolling option and switch between tolling options without interrupting the provision of service based on a hierarchy of tolling options corresponding to the telematics service requested by the user.06-14-2012
20110125618METHOD, A SYSTEM AND AN INFORMATION TECHNOLOGY PRODUCT FOR COLLECTING FUNDS FOR A NON-PROFIT ORGANIZATION - The present invention relates to a method, a system and an information technology product for collecting funds for a non-profit organization by means of a fund-collection program managed by an intermediary, the funds being given by one or more donors. The method comprises the steps of storing one or more projects having social aims in a first server which is in signal communication with a computer network, providing a communication interface which is in signal communication with the first server by means of the computer network, the interface being configured to interact by means of one or more electronic devices of the at least one donor, selecting, by means of the communication interface, at least one of the projects having social aims proposed by a first non-profit organization, and receiving one or more sums of money given by the at least one donor for the project.05-26-2011
20110137764Method of Applying Multi-Threaded Framework on Online Charging Network Service - This invention proposes a method of applying multi-threaded framework on online charging network service. Web service process launches listening socket in the service end to wait for connection in the customer end. When the listening socket intercepts connections in the new customer end, the web service process in the service end derives a positive thread, which reads positive data out of the socket and a negative thread, which sends the data to the socket. This invention can ensure that both the positive and negative data in the network interface at any time will be treated on time to fully reduce data transmission delay in the network interface.06-09-2011
20110137768TRAVEL EXPENSE ADJUSTING APPARATUS AND TRAVEL EXPENSE ADJUSTING METHOD - According to the present invention, a route covered by travel expenses and satisfying a route search condition input by a member of a group who wishes an adjustment of travel expenses is created, and greenhouse gas emissions emitted at a time of using the created route are calculated. The greenhouse gas emissions are offset by subtracting the calculated greenhouse gas emissions from an amount of emission credits stored in a storage unit, and it is determined whether the greenhouse gas emissions have been offset. When it is determined that the greenhouse gas emissions have not been offset, a display unit is caused to display a travel-expense-application rejection notification indicating that an application for an adjustment of travel expenses applied by the member is rejected.06-09-2011
20110137762Computer implemented method for bill analysis over the internet - A computer software method implemented on a computer for real-time analysis of a company's bill, such as a cell phone bill, by submitting a bill, generated by the billing company in electronic format, over the Internet, using computer loaded published public and current market information for selected billing companies. The computer advises the bill submitter, in real-time, by providing a report for submission to said billing company for correction and adds report to a blind summary in memory of generated reports by type of errors for billing companies from previous analysis for each billing company's collective errors and uses the collective summary for each billing company to enhance and improve future bill analysis on the computer and to provide a summary for each billing company.06-09-2011
20110137767METHODS AND SYSTEMS FOR PERFORMING REDIRECTS TO A SEARCH ENGINE - The present invention is related to methods and systems for processing search requests and for performing searches over a network. In an embodiment, a recipient designation is received from a user over a network. The designation indicates that future searches performed by the user are to be associated with the recipient (even if the subject matter of the search is not related to the recipient). A search request is received from the user; causing a search to be performed in response to the search request. An identifier corresponding to the recipient is stored in association with an indication regarding the occurrence of the first search request.06-09-2011
20110137766Digital Mapping System - Various methods, systems, and apparatus for implementing aspects of a digital mapping system are disclosed. One such method includes sending a location request from a client-side computing device to a map tile server, receiving a set of map tiles in response to the location request, assembling said received map tiles into a tile grid, aligning the tile grid relative to a clipping shape, and displaying the result as a map image. One apparatus according to aspects of the present invention includes means for sending a location request from a client-side computing device to a map tile server, means for receiving a set of map tiles in response to the location request, means for assembling said received map tiles into a tile grid, means for aligning the tile grid relative to a clipping shape, and means for displaying the result as a map image. Such an apparatus may further include direction control or zoom control objects as interactive overlays on the displayed map image, and may also include route or location overlays on the map image.06-09-2011
20110137761METHOD FOR DETECTING FRAUDULENT TRANSACTIONS BETWEEN PRACTICE MANAGEMENT AND ACCOUNTING SOFTWARE - A method for detecting fraudulent transactions includes acquiring transaction data entered into an accounting software program and a practice management software program by a monitoring software program. The monitoring software program can be configured to detect any unusual activity in the acquired transaction data and to store detected unusual activity for later review. The monitoring software can be directed to notify a responsible party that unusual activity has been found in the originally acquired data. The monitoring software can be configured to format the acquired data and the data of the unusual activity into a report reviewable by the responsible party.06-09-2011
20100325022Content Provisioning and Revenue Disbursement - A method for provisioning content to users, including for each of a plurality of items of media content, maintaining information about one or more owners of the item of media content, and maintaining information about one or more providers of the item of media content, for each of a plurality of users, maintaining information about items of media content acquired by the user and about player devices owned by the user, for each of a plurality of time periods, maintaining a history log of items of media content played by one or more of the plurality of users during the time period, receiving a request from a user to play a designated item of media content on a designated player device, during a current time period, identifying an appropriate provider of the designated item of media content, according to a location of the user and according to the designated player device, causing the identified provider of the designated item of media content to transmit the designated item of media content to the user's designated player device, updating the history log for the current time period to reflect the user having played the designated item of media content, and calculating revenue disbursement among the owners of the plurality of items of media content, and the providers of the plurality of media content, for the current time period, based on the history log of the current time period. A system is also described and claimed.12-23-2010
20100325021METHODS AND APPARATUS FOR PROVIDING CENTRALIZED WEB SERVICES FOR FUNDS TRANSFER SYSTEM - A method of operating a centralized web services computer system includes providing a standard interface for financial institutions (FIs) and for funds transfer service providers that participate in a remittance system. The centralized web services computer system may also provide services such as integrating its operations into online banking or customer service representative web environments provided by the FIs. The centralized web services computer system may also provide services related to routing messages, looking up territory-related information, checking user information against blacklists, issuing instructions to FIs to debit or credit user accounts, and/or generating reports.12-23-2010
20100262523METHOD AND SYSTEMS FOR SOLICITING DONATIONS - Methods and systems are provided for managing and soliciting donations made during checkout of a plurality of online purchases at a plurality of online retailers by a plurality of online shoppers. In one embodiment, the method and system include a receiving, over a communications network, data regarding a plurality of amounts for donation and a plurality of selected organizations made during checkout of the plurality of online purchases at the plurality of online retailers by the plurality of online shoppers, and collecting a plurality of payments for the plurality of amounts for donation and distributing the plurality of payments among the plurality of organizations based on the data. The method and system may include the online shoppers being asked at the time of checkout if they would like to round-up their total purchase price to the nearest dollar and select a charity/nonprofit organization to donate the spare change.10-14-2010
20100185536PREPAID ACCOUNT PRODUCT PEER SCORING - Data from transactions conducted on prepaid accounts are accumulated for an issuer and its peers. The accumulated data is used for calculations for both the issuer and its peers to make comparison therebetween. The comparisons between the issuer and its peers are rendered graphically in a report. The issuers are in an open system payment processing network that includes merchants and their acquirers, and a transaction handler for authorizing, clearing and settling the transactions that are conducted on prepaid accounts.07-22-2010
20100185535METHOD FOR ASSISTING IN THE CHECKING OF TRANSACTION RECORDS, TRANSACTION DEVICE, SERVER, MOBILE TERMINAL, AND CORRESPONDING COMPUTER PROGRAMS - A method and apparatus are provided for assisting in checking accuracy of bank transaction records edited in a bank statement and performed by at least one transaction device. The method includes, for at least one of the transactions: emission, by the transaction device, of at least one first signal including a message relating to the transaction; receipt, by at least one mobile terminal, of the at least one first signal; transmission, by the mobile terminal, of a second signal including at least the message, to at least one banking organization; association, by a server of the banking organization in charge of the transaction, of the message with at least one datum relating to the transaction, and marking of the transaction as a pre-checked transaction.07-22-2010
20100179892Providing One Party with Access to an Account of Another Party - A first party is provided with access to an account of a second party by inputting identification information for the account of the second party, and receiving account information for the account of the second party based on the identification information. The account of the second party is accessed based on the account information.07-15-2010
20100179891NON-FINANCIAL TRANSACTIONS IN A FINANCIAL TRANSACTION NETWORK - A financial transaction system includes a computer readable storage medium and a processor in communication with the computer readable storage medium. The processor is configured for receiving a plurality of messages. The plurality of messages including financial transaction authorization messages for performing a financial transaction. At least one of the plurality of messages includes non-financial data. The processor is further configured for parsing each of the plurality of messages to identify data for performing the financial transaction and the non-financial transaction data contained in the plurality of messages, and for storing the data for performing the financial transaction and the non-financial transaction data in a computer readable storage medium such that the non-financial transaction data is associated with data for performing the financial transaction.07-15-2010
20110258092ELECTRONIC FINANCIAL MANAGEMENT AND ANALYSIS SYSTEM AND RELATED METHODS - A computing system facilitating electronic bill presentment and payment features for authorized users via a user interface is introduced including an analysis engine. The analysis engine, in response to user interaction with the user interface, selectively performs user-defined analysis on at least a subset of retrieved billing information associated with one or more billers. The analysis engine further generates one or more user-defined report(s) based, at least in part, on the user-defined analysis.10-20-2011
20110258091METHOD AND SYSTEM FOR PROCESSING ACCOUNTING INFORMATION - A computer-implemented system and method for generating a uniform statement of financial information from input financial data records each having a record description and an input financial value, that involve providing an accounting standard (10-20-2011
20110258090SYSTEMS AND METHODS FOR SERVICING CASH HANDLING DEVICES - Systems and methods are provided for servicing a currency dispensing device, such as an automated teller machine, and a currency receiving device, such as a provisional cash safe, disposed at a merchant location. The method may comprise transporting dispensable currency to the merchant location, inserting the dispensable currency into the currency dispensing device during a site visit to the merchant location, removing merchant currency from the currency receiving device during the first site visit, the merchant currency having been previously inserted into the currency receiving device over a period of time by a merchant, and transporting the merchant currency from the merchant location to a currency processing location. The currency receiving device may transmit an indication of an amount of merchant currency inserted therein so that the merchant is provided a credit by a financial institution for the merchant currency before it is transported to the financial institution.10-20-2011
20110258089INVESTMENT COMPANY THAT ISSUES A CLASS OF CONVENTIONAL SHARES AND A CLASS OF EXCHANGE-TRADED SHARES IN THE SAME FUND - An automated method is provided for administering a single investment company that issues one or more classes of shares that are bought from and redeemed with the single investment company at a net asset value and issues one or more classes of shares that are listed for trading on a securities exchange and that are bought and sold at negotiated market prices. One or more computers maintain account data of the outstanding shares. An owner of any share of any share class has an undivided interest in the single investment company.10-20-2011
20120310798ENGINE, SYSTEM AND METHOD OF PROVIDING CLOUD-BASED BUSINESS VALUATION AND ASSOCIATED SERVICES - 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.12-06-2012
20120310797ENGINE, SYSTEM AND METHOD OF PROVIDING CLOUD-BASED BUSINESS VERIFICATION AND ASSOCIATED SERVICES - 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.12-06-2012
20120310796ENGINE, SYSTEM AND METHOD OF PROVIDING REALTIME CLOUD-BASED BUSINESS VALUATION AND DATABASE SERVICES - 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.12-06-2012
20120310795SYSTEM AND METHOD FOR PROVIDING A PLURALITY OF ASSET AND SERVICE VALUATIONS - 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.12-06-2012
20120310794SYSTEMS AND METHODS FOR TRACKING INTELLECTUAL PROPERTY - Systems and methods are provides that access a tag cell file in computer storage media, wherein the tag cell file is associated with a abstract representation of a component to be included in a semiconductor device. The tag cell file includes a tag that identifies the component as being based on intellectual property of a third party. The abstract representation of the component is translated to a computer data file for manufacturing the semiconductor device. The tag associated with the component is included in the data file, and the data file may be parsed by accounting programs to determine the extent of usage of the intellectual property in the semiconductor device.12-06-2012
20100121746FINANCIAL STATEMENT RISK ASSESSMENT AND MANAGEMENT SYSTEM AND METHOD - A method, computer readable storage medium, and information processing system analyze sources of internal organization financial information and decisions made that impact the risk of reporting errors in cash and non-cash components in line items of external financial reporting statements such as balance sheets, income statements, and cash flow statements. The information processing system displays to a user, via a user interface, cash and non-cash components of at least one line item of an external financial reporting statement, the internal decisions and judgments made to arrive at the cash and non-cash component amounts, and the risk of reporting errors being introduced in each line item due to these decisions and judgments.05-13-2010
20100121747METHOD OF PROCESSING APARTMENT TENANT STATUS INFORMATION - In a method of processing tenant information, a first set of tenant history data, in a first format, is pushed from a first apartment rental management organization database to a central server. A second set of tenant history data, in a second format different from the first format, is pushed from a second apartment rental management organization database to the central server. Selected elements from the first set of tenant history data and the second set of tenant history data are assembled into a central database in a standard format. The central database is stored on the central server. Tenant history data is provided from the central database to a selected apartment rental management organization.05-13-2010
20100121744USAGE DATA MONITORING AND COMMUNICATION BETWEEN MULTIPLE DEVICES - A system and method for by which real-time monitoring and communication of usage data is conducted between a set of N numbered of devices where N is and integer. According to an embodiment, a communication network provides a common core architecture in which the devices connected to the system are converged regardless of their access network requirements or functional capacity. The system has the capacity to monitor and analyze all the usage information of each device connected to the system in regards to content, identity, type, quality, quantity, time, status, activity level, and metadata associated with the functions and applications utilized on a device. The analysis is further based on information governing a subscriber's devices, preferences, and features held in a subscriber database integrated within the system. The analyzed usage data is further processed through a variety of applications in order to generate a response, such as; a report, an alarm, or tailored options for interacting with the generating device which is deliverable in any format within the capacity of the receiving device including all multimedia aspects and non-multimedia aspects. The system further communicates the response in real-time to any device within the set as designated by the subscriber. In another aspect of the invention, the analyzed usage data can be stored for on demand requests of a communication response from past analysis.05-13-2010
20100121743System and method for generating dividend information - In a system for generating dividend information, detailed information regarding trades is stored in a data storage system. The detailed information may include, without limitation, book information, depot information, counterparty information, a trade direction (e.g., buy or sell), and a number of shares traded. Based upon the detailed trade information, dividend information is generated that may be used for both PNL purposes and for accounting purposes. The detailed trade information may also include whether the trade is an “ex-div” trade, a “cum-div” trade, or neither. Trades normally eligible for a dividend are excluded from dividend information generation when identified as an ex-div trade. Trades not normally eligible for a dividend are included in dividend information generation when identified as a cum-div trade.05-13-2010
20100121745SYSTEMS AND METHODS FOR FACILITATING SHARING OF EXPENSES OVER A NETWORK - In accordance with one or more embodiments of the present disclosure, systems and methods for facilitating sharing of expenses over a network utilize a first component adapted to communicate with members of a user group via a client device over the network and a merchant via a merchant device over the network. The systems and methods for facilitating sharing of expenses over a network further utilize a second component adapted to receive a group transaction request from the user group, divide a payment for the group transaction request into a plurality of portions according to a number of members in the user group, separately debit the portions of the payment from one or more accounts related to each member of the user group, and provide payment to the merchant via the merchant device based on information passed with the group transaction request.05-13-2010
20100070391Architectural Design for Tax Declaration Application Software - Methods, systems, and apparatus, including computer program products, for implementing a software architecture design for a software application implementing tax declaration. The application is structured as multiple process components interacting with each other through service interfaces, and multiple service interface operations, each being implemented for a respective process component. The process components include an Accounting process component, a Due Item Processing process component, and a Payment Processing process component.03-18-2010
20100241535ACCOUNT ACTIVITY ALERT - An alert recipient receives an account alert after an account activity satisfies criteria of an alert rule. The account alert may be triggered by the usage of a consumer identifier with any of: an application for a new account, an account activation request, or an account usage. To illustrate, a fraudster may utilize the consumer identifier in an application to open a new account, to activate an issued prepaid account, or conduct a transaction on an activated issued prepaid account. Data from the account application, activation, or transaction may be sent to a host that compares the data against the criteria of an alert rule. If the criterion is satisfied, the account alert is sent to the account recipient. The account recipient may required to respond to the alert in order to permit the activity that is the subject of the account alert.09-23-2010
20090299883Graduation function for stored value card - A stored value card and system provides a stored value card issued in the name of a cardholder and with an account associated with an issuer and a legal account holder. The legal account holder is initially a person or entity other than the cardholder. The legal account holder manages the account and is authorized to add funds to the account and the cardholder is authorized to use the funds in the account. As the account is being used, and account data is changing, the account data is compared to a plurality of triggering criteria. When a predetermined number of the triggering criteria are satisfied, the nature of the account is changed and the cardholder becomes the legal account holder who then manages and owns the funds in the account.12-03-2009
20090292631ELECTRONIC PURCHASING METHOD AND APPARATUS - A computer-assisted method includes hardware, software and telecommunications components that cooperatively achieve the technical effect of an improved electronic purchasing transaction system. In various embodiments of the invention, at least one master account is established for a client. A pool of limited use account identifiers or secondary account identifiers, that are separate and distinct from the master account, is associated with the master account by a purchasing system or account management system. Each of the limited use account identifiers may be used by the client to purchase items from merchants.11-26-2009
20090292629Access network optimization methodology for leased switched and dedicated facilities - A methodology for optimizing the cost associated with access charges incurred by network service providers when leasing communications facilities from a local service provider has been developed that incorporates physical reconfiguration of the access network topology as a cost-saving measure, where and when appropriate. The methodology identifies opportunities to reduce access charges by performing the following functions: (1) moving T1 facilities from one hub location to another; (2) moving T1 facilities from one T3 facility to another (at the same hub location) in order to disconnect unneeded T3 facilities; and (3) adding new T3 facilities in order to reduce overall access expenses and/or to provide new capacity for future growth, including adding potential new hub locations. The methodology is appropriate for use with various types of network facilities, T1 and T3 being considered as exemplary only.11-26-2009
20110191214GENERAL LEDGER (GL) JOURNAL DELETE/ACCOUNTING LINE REVERSAL WEB SERVICE - A web service for automatically determining accounting entries that are affected by the deletion of a journal, formulating reverse accounting entries, and sending the reverse entries back to the source system is described. The service can use transaction identification keys to map and track which accounting entries are affected by the deletion of the journal. The web service can use extensible markup language (XML) among other formats.08-04-2011
20110191213SECURING USER ACCESS TO A PARAMETER VALUE ACROSS A SOFTWARE PRODUCT LINE DIFFERENTLY FOR DIFFERENT PRODUCTS - A computer is programmed to receive from an administrator, a rule specifying one or more values of a parameter, identification of software wherein the rule is to be applied, and identification of a user on whom the rule is to be applied. The computer stores an association between the rule, the identified user and the identified software. On receipt of input from the identified user, to access the identified software, the computer uses the association to retrieve the rule, apply the rule to select information based on the value(s) specified in the rule, and execute the identified software to display the selected information to the identified user. Use of a rule that is specific to the user and also specific to the software enables the computer to support security for each user differently for different pieces of software in a software product line.08-04-2011
20110264566Automated Accounting Method - An automated accounting system for an entity, such as an individual or business is provided in which at least one file is established for the entity and a plurality of data inputs are provided to the file. The data inputs include electronically recorded transactions made between the entity and other entities. Access is provided to the file for agents of the entity so that one of the agents can perform one or more activities related to the data inputs such as entering, deleting, reviewing, adjusting and processing.10-27-2011
20100030674FINANCIAL ACCOUNTING METHODS AND SYSTEMS TO ACCOUNT FOR ASSETS AND LIABILITIES - A method to calculate true ex-ante operating income, via a present value calculation and posting in a double-entry bookkeeping framework based upon credits and debits, is disclosed. The ultimate object is a true ex-ante net income accounting measurement that better serves financial statements users.02-04-2010
20100030672MULTI-COMPANY BUSINESS ACCOUNTING SYSTEM AND METHOD FOR SAME INCLUDING JOURNALS - In at least one embodiment of the present invention, a computer implemented method for journalizing financial information for a multi-company accounting system is provided. The method comprises creating a journal. Input detail lines of the financial data are entered to define the journal. The journal is released within the multi-company accounting system to limit changes to the input detail lines to define a released journal. Multi-company detail lines are added to the released journal including for a sum that is not zero of the debits and credits by GL date for a corresponding company of the multi-company group that is not the main company of the journal, the multi-company accounting system will automatically add a pair of the multi-company detail lines to balance monies owed between the main company and the corresponding company.02-04-2010
20100030673MULTI-COMPANY BUSINESS ACCOUNTING SYSTEM AND METHOD FOR SAME INCLUDING ACCOUNT BALANCE - In at least one embodiment of the present invention, a computer implemented method for generating an account balance for use within a multi-company accounting system is provided. The computer arrangement includes a server for carrying out instructions provided by the multi-company accounting system. The method comprises producing the account balance via the multi-company accounting system using an Indexed View that defines the instructions for the server to automatically maintain a materialized summation of account activity by period. The multi-company accounting system accesses the materialized summation of account activity to generate the account balance.02-04-2010
20100030669Capital-adequacy filing and assessment system and method - Systems and methods of capital-adequacy filing and assessment for determining compliance with capital-adequacy rules include an authorized-entity computer and a processing computer in electronic communication with the authorized-entity computer. Such systems and methods can include an analysis-rule-configuration component, a data-reception component and a rules engine.02-04-2010
20100023433APPARATUS AND METHOD FOR TAX COLLECTION - A processing apparatus is configured to automatically collect and distribute funds raised by a Business Levy which is imposed by a main government on the gross revenues of all business entities within the economy, subject to optional exemptions. Taxable entities are required to maintain a special account with a bank within jurisdiction into which they must deposit all taxable business revenues. Taxable entities may not access such revenue until after the bank has transferred the appropriate amount, corresponding to the Business Levy, from the gross receipts account to the main government account. Thereafter levy-paid balances are transferred to a general operating account maintained by the bank for the benefit of the taxpayer, which may be accessed freely by the taxation entity. Preferably, such a method of collecting revenues is used to finance governments' budgets on all levels of administration: federal, state or provincial and county and/or municipal, replacing all other taxes and fees imposed by all levels of governments.01-28-2010
20100017314TRAVEL EXPENSE MANAGEMENT SYSTEM - A method for generating an expense report, comprising: receiving an itinerary for travel, generating a description and a cost for one or more travel elements of the itinerary; and generating projected expenses that are expected to be incurred based on historical data associated with the itinerary01-21-2010
20090187498Apparatus and method for performing accounting in wireless communication system - An apparatus and method for processing accounting in a wireless communication system are provided. The method includes creating an accounting data base (DB) for a mobile station (MS), determining whether a state transition of the MS occurs, if the state transition of the MS occurs, updating state information in the accounting DB, and transmitting the accounting information including the state information to an accounting server.07-23-2009
20080306843Cost effective methods to reduce tax avoidance by landlords, small businesses, and individuals - To allow tax collection agencies to identify underreporting of income by individuals, landlords and vendors, new methods have been developed to ensure that tax revenues are reported accurately and lay the foundation for sharing data amongst the different agencies. Presently, cost effective methods do not exist to ensure that individuals, landlords, and vendors are obeying the tax laws.12-11-2008
20090327106MANAGING CONSISTENT INTERFACES FOR FINANCIAL INSTRUMENT BUSINESS OBJECTS ACROSS HETEROGENEOUS SYSTEMS - A business object model, which reflects data that is used during a given business transaction, is utilized to generate interfaces. This business object model facilitates commercial transactions by providing consistent interfaces that are suitable for use across industries, across businesses, and across different departments within a business during a business transaction. In some operations, software creates, updates, or otherwise processes information related to a financial instrument position accounting period total analytical result, a financial instrument position accounting valuation analytical result, a financial instrument position accrual analytical result, a financial instrument position fair value analytical result, and/or a financial instrument position period average volume analytical result business object.12-31-2009
20090006225DISTRIBUTION CHANNELS AND MONETIZING - A system to facilitate royalty tracking is provided. The system includes at least one tag to identify a portion of a creative work. A distribution component tracks the portion of the creative work and a crediting component reports usage of the creative work when the portion is detected in a larger body of work.01-01-2009
20080288376Centralized payment hub method and system - Embodiments described herein include an electronic transaction service network (also referred to herein as a centralized electronic transaction (CET) service). In another embodiment, a financial management system hosts a “central payment hub” version of the CET service. The central payment hub is an industrial utility in that multiple financial institutions all participate in a central service that can be offered to their respective customers. All of the customers (both individuals and small businesses) of the various institutions come to one consolidated payment hub. For example a Bank of America invoice can come into the payment hub, and a Wells Fargo invoice can come into the payment hub. The payment hub is a shared utility across multiple financial institutions. The payment hub features a single registration at the payment hub across all of the participating financial institutions.11-20-2008
20090043678SYSTEM AND METHOD OF OFFSETTING INVOICE OBLIGATIONS - Methods for resolving invoice obligations are disclosed that include: a) providing at least one sales invoice, wherein each sales invoice comprises a credit value, b) providing at least one purchase invoice, wherein each purchase invoice comprises a debit value, and c) offsetting at least part of the debit value of a purchase invoice with at least part of the credit value of a sales invoice. Methods are also disclosed for resolving invoice obligations that include: a) providing at least one seller having at least one sales invoice, b) providing at least one customer having at least one sales invoice and at least one purchase invoice, wherein at least one of the at least one sales invoice and at least one of the at least one purchase invoice forms an invoice chain; and c) offsetting the at least one sales invoice of the seller with at least one sales invoice of the customer, at least one purchase invoice or a combination thereof. Systems and software for resolving invoice obligations are disclosed that include: a) an executable code for intelligently determining an invoice chain comprising at least one purchase invoice having a debit value and at least one sales invoice having a credit value and offsetting the debit value with the credit value, b) a medium for executing the executable code, c) a display device, and d) an interaction tool for executing the executable code.02-12-2009
20080262949Accounting Process - A computerized accounting process and system capturing customer transaction data, creating transaction codes or references at the time of the transaction and generating accounting reports for the customer.10-23-2008
20110137765ELECTRONIC SETTLEMENT SYSTEM, ELECTRONIC SETTLEMENT SERVER, MOBILE COMMUNICATIONS TERMINAL, AND ELECTRONIC SETTLEMENT METHOD - An electronic settlement system which is similar to cash settlement and which is usable in a gaming parlor is provided. In the electronic settlement system, a mobile phone communicates with a ball lending machine using a contactless IC card to acquire a device ID from the ball lending machine, and transmits a payment request message including the device ID and a user ID to an electronic settlement server. The electronic settlement server notifies an in-store server of a transfer amount from a user account to a settlement provider account, and the in-store server stores the transfer amount as a deposit. In response to a payment request message from the mobile phone, the in-store server instructs the ball lending machine to provide gaming media corresponding to a gaming medium cost, adds an amount corresponding to the gaming medium cost to a consumed amount, and issues a transfer request to a receiving network so as to transfer the consumed amount from the settlement provider account to a gaming parlor operator account. Upon receiving a provision instruction message from the in-store server, the ball lending machine provides gaming media corresponding to the gaming medium cost.06-09-2011
20110307357ENHANCED PAYMENTS FOR SHIPPING - Systems, methods, apparatus, and computer program products are provided for initiating shipment of and payment for shipping a parcel. For example, in one embodiment, a customer/user can receive a message on a user device from a carrier that includes an authorization code for shipping a parcel. After the customer/user ships the parcel, the carrier can charge a variety of accounts for the shipping charges, including a wireless services provider associated with the user device. In another embodiment, the customer/user can interact with a kiosk to ship the parcel. In this embodiment, the carrier can also charge a variety of accounts for the shipping charges, including a wireless services provider.12-15-2011
20090055294AQUA INDEX - A method and system for computing a stable index value of a regulated substance by computing a virtual value of the substance based on the value of a freely marketed product of the substance. Particularly the invention may be applied to develop a stable investment instrument for investing in fresh water.02-26-2009
20120041854METHOD AND APPARATUS FOR PROCESSING ON-LINE DONATIONS ASSOCIATED WITH MEDIA CONTENT - A computer-implemented method and apparatus for processing on-line donations associated with media content is disclosed. An example embodiment includes elements to integrate a payment button with an associated item of media content on a web page; link the payment button with an account on a payment site; receive a donation from a donor via the payment button; and credit the donation to the account linked to the payment button.02-16-2012
20120041852METHODS AND APPARATUS FOR DETERMINING AND USING HUMAN CAPITAL METRICS AS MEASURES OF ECONOMIC VALUE OF PERSONS TO AN ORGANIZATION - Disclosed are methods, apparatus, and systems, including computer program products, implementing techniques for determining and using human capital metrics as measures of the economic value of persons to an organization. The financial state and performance of an organization can be characterized accordingly. One or more data resources storing data associated with one or more persons are accessed. A plurality of fields of the data are selected as cost data of the one or more persons, including direct expenses associated with the one or more persons and indirect expenses associated with the one or more persons. The selected data is retrieved from the one or more data resources. A human capital metric is calculated in accordance with the retrieved data, including summing the cost data to determine a total cost for the one or more persons. A report including the calculated human capital metric is generated and provided.02-16-2012
20120041851METHOD AND APPARATUS FOR ENHANCED SUPPLY CHAIN MANAGEMENT - An approach is provided for facilitating supply chain management based on point-of-sales or device usage data regarding a user device. A supply chain management platform receives an activation signal indicating activation of a device. The supply chain management platform then determines device information relating to the device based on the activation signal. Device information is then stored and subsequently analyzed to generate supply chain management information relating to production of the device.02-16-2012
20120041850INCENTIVIZING CONTENT-RECEIVERS IN SOCIAL NETWORKS - An embodiment of the invention provides a method including receiving a request to publish first content on a system from a user. A fee is imposed to the user to publish the first content. The first content is published on the system. In at least one embodiment, an amount of net credits of the user is published on a profile of the user. A credit is provided to the user for each instance the user receives second content from the system, the credit being non-redeemable for cash. The credit is provided to the user at pre-determined time intervals and/or when pre-determined milestones reached. In at least one embodiment, the fee is credited to the user if the first content is a comment to existing content.02-16-2012
20080201246METHODS, APPARATUS AND COMPUTER PROGRAM PRODUCTS FOR USE IN ASSOCIATION WITH JOINT VENTURES AND/OR POTENTIAL JOINT VENTURES - In one embodiment, a method includes receiving information associated with a joint venture; determining an amount of a distribution based at least in part on the information; determining financial information for the joint venture based at least in part on the amount of the distribution; storing the financial information in a database; retrieving the financial information from the database using a processing system; and determining, in the processing system, an amount of a distribution based at least in part on the financial information. In one embodiment, apparatus includes a processing system to receive information associated with a joint venture, determine an amount of a distribution based at least in part on the information; determine financial information for the joint venture based at least in part on the amount of the distribution; store the financial information in a database, retrieve the financial information from the database, and determine an amount of a distribution based at least in part on the financial information. In one embodiment, a computer program product includes a storage medium having stored thereon instructions that if executed by a machine, result in the following: receiving information associated with a joint venture; determining an amount of a distribution based at least in part on the information; determining financial information for the joint venture based at least in part on the amount of the distribution; storing the financial information in a database; retrieving the financial information from the database using a processing system; and determining, in the processing system, an amount of a distribution based at least in part on the financial information.08-21-2008
20120072319MAINTAINING CHARGING STATE DURING FINAL UNIT REDIRECT IN CREDIT-CONTROL SYSTEMS - A method is implemented in a credit control server (CCS). The method includes receiving, at the CCS from a credit control client (CCC), a message associated with a multiple services credit control (MSCC) session, where the message includes a request for service units associated with a service account. The method further includes determining, at the CCS, that insufficient service units are available in the service account and notifying the CCC that service units need to be added to the service account. The method also includes maintaining, at the CCS, MSCC session related parameters while the CCC adds service units to the service account.03-22-2012
20120072317BILLING MANAGEMENT SYSTEM FOR AGRICULTURAL SERVICES ACCESS - Billing for application services may be provided. A plurality of data may be received from a machine. The machine may be determined to be associated with a subscribing user, and an application service associated with the machine may be identified. The plurality of data may be provided to the application service and a charge record associated with the subscribing user may be created.03-22-2012
20120041853FACILITATION OF A NETWORK COMMUNICATION SERVICE FOR WHICH PAYMENT MAY BE MADE BY ANY OF A PLURALITY OF PAYMENT MODES - There is provided a method that includes (i) receiving a notification of an event concerning a network communication service, (ii) querying a database, in response to the notification, to obtain a payment mode for the service, in which the payment mode is selectable from a set that includes (a) pre-payment and (b) post-payment, (iii) determining, in accordance with the payment mode, whether a balance to fund the service satisfies a balance criterion, and (iv) issuing, in accordance with whether the balance to fund the service satisfies the balance criterion, a communication to a device to affect a provision of the service. There is also provided a system that employs the method, and a storage medium that contains instructions for controlling a processor to perform the method.02-16-2012
20090171822METHOD AND APPARATUS FOR IMAGE DATA BASED VALUATION - The present invention teaches methods and apparatus for capturing image of a subject property and utilizing the captured image data to determine a value of the subject property. In some embodiments, one or more of VideoDriveBy and VideoWalkABout are included in the captured image data. The captured image data can support a valuation of loan collateral.07-02-2009
20090171821SYSTEMS AND METHODS FOR PROVIDING RESOURCE ALLOCATION IN A NETWORKED ENVIRONMENT - Systems and methods are described for adjusting an item characteristic. An illustrative system includes a first network interface, a database storing information regarding a plurality of items, a load balancer, a web proxy processor configured to selectively block or route an inbound user browser request, a cache cluster system configured to cache data and states for access by other system components, and program code stored in computer readable memory, which, when executed is configured to receive a plurality of requests for items from corresponding users, wherein the plurality of requests are associated with corresponding offer amounts and determine what the users are to provide for the items based at least in part on how many requests were received, how many items are allocated to users, and/or how many unallocated items are available, wherein at least a portion of the users are to provide an amount different than their corresponding offer amount.07-02-2009
20090171819PROVIDING PAYMENT SOFTWARE APPLICATION AS ENTERPRISE SERVICES - Methods and apparatus, including systems and computer program products, for a service architecture design that provides enterprise services having payment functionality at the level of an enterprise application. The design includes a set of service operations, process components, and optionally deployment units. Suitable business objects are also described.07-02-2009
20090171820System and Method for Automated Comprehensive Reconciliation Processing - A system and method of reconciliation processing that automates multiple steps of data validation. One of the key steps of reconciliation is the review and validation of the input and outputs. An embodiment of this invention includes the maintenance of an automated checklist of the various reconciliation steps, which enables maintaining an audit trail and the generation of metrics. A web-based system can be implemented to achieve the objectives of improving the reconciliation process and utilizing computerized controls.07-02-2009
20090171817REMOTE ACCOUNT MAINTENANCE SYSTEM AND METHOD - A remote bill maintenance and payment system is described, wherein consumers and billing creditors can sign up for service. Consumer bill payment by internet access is provided, complete with accounting and status display. Creditors sign up to provide service to their customers, allowing consumer customers to send payments and receive bills remotely.07-02-2009
20120150703User as part of supply chain - A method for determining an ecological impact score may include, but is not limited to: determining an ecological-impact score for acquiring a product, the ecological-impact score generated from at least information that quantifies ecological impact caused by at least a portion of a supply chain used to transport the product; and sending the ecological-impact score to a computing device.06-14-2012
20090018934System and Method for defense ID theft attack security service system in marketing environment - Each service system with a variety of databases in marketing environment maintains and audits purchasing transaction data to look for ID theft and transmits suspicion events to security service system which is attached to marketing environment. Security service system maintains status data and identifies information including biometric identity, portable device identity, and message to defeat ID-theft attacking. Identifying events is transmitted to service systems for derived information to reflect operation. Services systems include Insures Service Systems, Bank Service Systems, Business Service Systems, and Portable Devices under Security Service Systems monitoring in marketing environment. And also a portable device with a local CPU, memory, I/O interface, wireless network and a host interface provides user for purchasing transaction with merchant. A portable device retains pertinent purchasing transaction data and establishes personal account in memory to aid person analyzes with the collected data and identify potential ID theft attacks in the marketing environment.01-15-2009
20120209752NETWORKED EXCHANGE - A distributed system is provided for initiating and managing commissions between commissioners and contractors, the system comprising a network, at least one server, at least one commissioner data processing device and at least one contractor data processing device, each connected to the network. The server is adapted to process a modular application comprising at least a database, a user profile module, a commission module and an accounting module; distribute a user—configurable interface to each data processing device connected to the network for inputting data and displaying database data; identify each data processing device connected to the network as a commissioner device or a contractor device; and configure the user—configurable interface in real time according to whether the data processing device is identified as a commissioner device or a contractor device, and according to whether the user interface is configured for use with the user profile module, the commission module or the accounting module.08-16-2012
20120047051AUTOMATED CENTRALIZED SETTLEMENT SYSTEM - The automated centralized settlement system is coupled to various accounts receivable systems and the accounts payable systems. The automated centralized settlement system contains a receiving module, a processing module, and an output module. The receiving module is for the reception of accounts receivable data from a receiving party via an accounts receivable system, and of accounts payable data from a paying party via an accounts payable system. The processing module produces balance data from the accounts receivable and payable data, and the balance data is output by the output module.02-23-2012
20120047052Systems and Methods of Processing and Classifying a Financial Transaction - The present disclosure generally provides systems and methods of classifying financial transactions. In one embodiment, the present disclosure may generally include a system of classifying financial transactions. The system may include a processor coupled to a database. The processor may be programmed to receive transaction information and a source document associated with a financial transaction. The transaction information and source data associated with the source document may be stored in the database. The stored transaction information and the source data may be retrieved from the database and may form a basis for a determination of a code associated with the financial transaction.02-23-2012
20120005049ALPHA II LICENSE MANAGEMENT SYSTEM - The Alpha II installation architecture requires extra management of per-seat installations to ensure the games are only installed with as many instances as were sold to the site. The License Management method manages and enforces proper per-license activation since a mechanism is present on the gaming machines to copy the software which is sold on compact flashes and installed onto hard drives. A method for providing license management using an activation application to manage and enforce proper per-license activation is disclosed. The method includes: adding purchased game titles to an active license database; requesting activation installations for game titles that are desired to be activated on associated gaming machines; creating activation installations on a portable memory device that associates the activation installations with associated gaming machines; enabling software to be installed onto each machine which the software is inserted using the portable memory device; enabling return of the portable memory device to the activation application where the portable memory device is read, after completion of the gaming machines being updated; and passing the current snapshot and confirmation data to a central licensing host to confirm the activation installations and free any uninstalled software licenses.01-05-2012
20120005050METHOD AND APPARATUS FOR INFORMATION AND COMPUTATION CLOSURES ACCOUNT MANAGEMENT - An approach is provided for enabling the accounting of closures to support query requests established by a device. A computation processing and accounting infrastructure determines one or more closures based, at least in part, on a query request. One of the one or more closures based, at least in part, on one or more predetermined policies is selected to generate a response to the query.01-05-2012
20100169193Conversion engine and financial reporting system using the conversion engine - A computerized management system is provided. The system includes a routine for accessing journal entries stored in a memory and an automated journal entry generating routine for generating journal entries for a first set-of-books and for a second set-of-books based on the accessed journal entries. The journal entries for the first set-of-books are in accordance with a first reporting standard and the journal entries for the second set-of-books are in accordance with a second, different reporting standard.07-01-2010
20100005015Electronic Invoice Generation, Storage, Retrieval and Management system - Conventional Paper Invoices are used as receipt of payment for services, products etc. These Invoices have to be maintained for stipulated time, dictated by the guarantees, warranties, post sales service agreement period etc and maintaining these invoices becomes difficult with time and growth in number.01-07-2010
20110166970SYSTEMS AND METHODS FOR THE UTILIZATION OF ENERGY GENERATED BY A POWERED VEHICLE - The present invention is directed to a power transfer system and method for utilizing the electrical power generated by a powered vehicle, such as a locomotive. The power transfer system comprises an electromotive machine configured to generate electrical energy on the powered vehicle and an electrical system located outboard from the powered vehicle, which is configured to receive electrical energy. Interface equipment is provided, which is electrically coupled to the electromotive machine and the electrical system, to transfer electrical energy from the electromotive machine to the electrical system.07-07-2011
20110166968SYSTEM AND METHOD FOR ACTIVATING DISPLAY DEVICE FEATURE - A display device is initially provided with a deactivated feature that may be selectively activated as needed by an end user, with notification of the activation provided to an activation service. The activation service may provide an activation code or other activation either to the display device directly, or alternatively to the end user, for use in the activation process to activate the initially-deactivated feature. As another alternative the activation service may receive notification after the activation, or during the activation process, without necessarily providing any activation code or other key. The activation service may make use of the activation notification, such as for marketing purposes of determination of licensing fees due in connection with the initially-deactivated feature. The registration code may be used to create an activation code used for activating the initially-deactivated feature.07-07-2011
20110166967Transaction monitor - A transaction monitor of an apparatus in one example is configured to determine an occurrence of a transaction between a vendor and a customer at a point of service location. The point of service location comprises a drive-up service location and is operated by the vendor. The transaction monitor comprises a camera component configured to record one or more images of the point of service location prior to, during, and/or after the occurrence of the transaction. The vendor collects a transaction tax for the transaction from the customer for payment to a tax authority. The transaction monitor is configured to maintain a record of the transaction tax that is separate from one or more records maintained by the vendor and/or the tax authority. The transaction monitor is configured to maintain the one or more images with the record of the transaction.07-07-2011
20110166969System and method for software development - This invention relates to a method and apparatus for developing software. In one embodiment, a method for facilitating the distributed development of software components includes providing a skill rating for software developers, communicating specifications for a software component to a subset of the developers, receiving submissions from the developers, scoring the submissions, and selecting one submission to be included in a software repository. In another embodiment, a method for compensating a software developer includes soliciting software developers for the submission of computer software components, receiving software components in response to the solicitation from the developers, evaluating the received software components, selecting one or more of the submissions for potential distribution to the public, and allotting the proceeds from the distribution to the developers.07-07-2011
20130013470METHODS FOR IDENTIFYING AND RECOVERING NON-REVENUE GENERATING NETWORK CIRCUITS ESTABLISHED OUTSIDE OF THE UNITED STATES - A method includes issuing a retrieval instruction, such as a database query, to retrieve from a database system a datum associated with a network circuit established outside of the United States. Upon receiving the datum from the database system, it is determined, based on the datum retrieved, whether the network circuit is incurring a charge. It is further determined, based on the datum retrieved, an amount of revenue generated by the network circuit. When the amount of revenue generated by the network circuit is below a predetermined threshold, a termination instruction to terminate a service associated with the network circuit is issued.01-10-2013
20120066100Electronic device used to record expenditures - A non-internet accessible, lightweight, compact expenditure recording electronic device comprising a housing having a front face and an opposing rear face, a processor located within the housing for processing data associated with a single financial account, a memory for storing data associated with the single financial account with the memory in electronic communication with the processor, a screen attached to the housing at the front face with the screen coupled to be operable by the processor to display data of the single financial account to a user of the device, a plurality of input keys disposed on the front face of the housing for inputting data to the memory and track changes to the data for the single financial account, and a communication port disposed on the housing and configured to connect to the memory.03-15-2012
20090164354METHOD AND APPARATUS FOR CONSUMER DRIVEN PROTECTION FOR PAYMENT CARD TRANSACTIONS - Method and apparatus for facilitating a commercial transaction between an account holder and a merchant. The account holder has an account that is associated with respective account information. The account information includes at least one criterion for pre-authorizing a transaction. When the consumer initiates a purchase transaction, a transaction approval request is generated which includes information relating to the commercial transaction. A purchase approval entity compares the received transaction approval request to the account information to determine whether the at least one criterion for pre-authorizing the transaction is satisfied. The transaction approval request is denied when a determination is made that the at least one criterion for pre-authorizing the transaction is not satisfied.06-25-2009
20120022982ADMINISTERING CONTRACTS OVER DATA NETWORK - A method for administering performance of a contract over a data network includes storing a lien waiver and receiving an application for payment over the data network from a contract participant based on performance under the contract. The stored lien waiver is retrieved and sent to the participant via the data network upon approval of the application for payment. The at least one data tag may be included in the lien waiver prior to storing the lien waiver.01-26-2012
20120022981CREATION, REDEMPTION, AND ACCOUNTING IN A VIRTUAL CURRENCY SYSTEM - A virtual currency system keeps track of virtual credits, which can be owned, transferred, purchased, and sold by participants in a virtual economy. Each virtual credit has an internal value and an external value, which define, respectively, the exchange rates for creating and redeeming the virtual credits. Upon creation of new virtual credits, the internal value for those credits is the rate for which real currency was paid per credit. The external value sets the rate at which the virtual credits can be redeemed for real currency. Each virtual credit may further have a face value, which is an apparent value of the virtual credit within the virtual economy, giving users a baseline impression for valuing the virtual currency. These features of the virtual currency enable a number of useful actions within the virtual economy, including currency seeding, couponing, and chargebacks.01-26-2012
20120059746Methodology and System for Cash Handling and Accountancy Services - A method is disclosed. The method includes the steps of: accessing, at a computer at a customer end, Internet web-page content from a provider end for obtaining access to virtual cash handling and accountancy services from the provider end for managing financial data. The financial data includes one or more cash handling data entries and one or more accountancy data entries. The managing step further includes the step of reconciling the one or more cash handling data entries with the one or more accountancy data entries. A system is also disclosed.03-08-2012
20120059747System and Method for Exchanging Institutional Research and Trade Order Execution Services - An embodiment of the present invention provides a system and method for creating an electronic marketplace, utilizing an electronic non-currency unit of exchange, that provides for and facilitates the cost effective exchange of institutional research and trade order execution services between asset management firms and executing brokers in such manner as to substantially lower trading costs and improve investment performance on a recurring basis for the shareholders and beneficiaries investing in mutual funds and other investment portfolios.03-08-2012
20110093369Telephone minutes kiosk system - A method of conducting business with a telephone subscriber, the method including the steps of forming a subscriber account containing value corresponding to telephone minutes. Value is added to the subscriber account by the presentation of funds in the form of currency value; acceptance of the presented funds; conversion of the currency value of the presented funds to corresponding value in telephone minutes; and depositing the corresponding value in telephone minutes into the telephone subscriber account. Services are provided to the subscriber, and telephone minutes are correspondingly debited from the subscriber account in response to the furnishing of services or products to the subscriber. Air time minutes are added (or credited) to the mobile telephone account of a mobile telephone subscriber with a predetermined telecommunicates carrier, which could be the administrator of a kiosk.04-21-2011
20110093368AUTOMATED BILLING AND DISTRIBUTION PLATFORM FOR APPLICATION PROVIDERS - Integrating a network-enabled application with a platform having a plurality of users and a plurality of communication channels with a respective plurality of wireless network carriers, including receiving a request from a third-party provider to integrate a network-enabled application with the platform, receiving a set of registration data corresponding to the network-enabled application from the third-party provider, the set of registration data including a link to an application location for accessing the network-enabled application, receiving a set of pricing structure data corresponding to the network-enabled application from the third-party provider, updating a system database in the platform to include the set of registration data and the pricing structure data corresponding to the network-enabled application, and enabling the network-enabled application to be accessible to the plurality of users via a networked interface operated by the platform.04-21-2011
20110093367METHOD, APPARATUS, AND COMPUTER PRODUCT FOR CENTRALIZED ACCOUNT PROVISIONING - Method, apparatus, and computer products are provided for centralized account provisioning by an automated provisioning manager on a device. A logins application of a device is logged into. A request queue is accessed of the device. A ticket to provision is selected from the request queue of the device. Cells of the ticket are parsed to obtain details of a request on the ticket of the device. In response to obtaining details of the request, servers or applications are connected to in order to gather further data corresponding to the details. A corresponding function is called based on a request type of the details of the device, and the corresponding function is configured to the request of the request type. The account is provisioned by utilizing the corresponding function on the device.04-21-2011
20120059745SYSTEM AND METHOD FOR EXPENSE MANAGEMENT - A method for expense management. An expense data record is retrieved from a trusted source and two or more sub-transactions are identified. The expense data record is then added to an expense report as two or more expense items corresponding to the two or more sub-transactions.03-08-2012
20120059744Attention Economy For Attention To Messages, Tasks and Resources - A centrally tracked artificial currency is provided within the context of an enterprise. This currency serves as a unit of account, medium of exchange, and store of value in a corporate “attention economy.” Users (typically coworkers) in the enterprise are allotted a base number of currency units, which they can earn, exchange, and spend in a variety of ways to signal importance and “purchase” attention of others, or priority for other organization resources. In one aspect, senders of messages can specify an amount of currency to be associated with the message, so that recipients can see the specified amount before deciding whether to read the message. Once such a system is in use, it facilitates exchange of value based on user-created transactions regarding behavior, communication, resources, incentives, and priorities.03-08-2012
20120209753METHODS, APPARATUSES AND COMPUTER PROGRAM PRODUCTS FOR FACILITATING TOLL FREE DATA ACCESS - An apparatus for facilitating toll free data access includes a processor and memory storing executable computer code causing the apparatus to at least perform operations including sending a request to a device requesting identification of one or more content providers that provide data to users in which the content providers pay for data, accessed from the content providers, on behalf of users. The accessed data is not considered data usage accrued by the users during a billing cycle or against a prepaid data plan. The computer program code may further cause the apparatus to receive an indication from the device of a content provider(s) that pays for the provision of the data on behalf of users. The computer program code may further cause the apparatus to determine whether a selected content provider pays for the provision of the data to users. Corresponding methods and computer program products are also provided.08-16-2012
20120158557BUDGET CONTROL CONFIGURATION - Concepts and technologies are described herein for budget control configuration. Budgets associated with one or more organizations may be tracked and enforced on transactions associated with the organizations. One or more budgets or financial dimensions associated with the budgets are tracked and managed. Budget funds available calculations can be defined and changed at any time, and can take into account original budgets, amendments to the budgets, expenditures, draft documents, and the like. Entities can specify and update funds considered as budget resources. Budget checks can consider more than one source of funding and track the various sources. Budget checks also can be tailored based upon user permissions, and actions and messaging options can be tailored for users, groups of users, and the like.06-21-2012
20120123918Determination of Interchange Categories - This document describes tools capable of auditing and/or determining reductions to card-issuer interchange fees charged for credit-card transactions. The tools may do so automatically and with user interaction for large amounts of transactions.05-17-2012
20120123914METHOD FOR CHOOSING AN ALTERNATE OFFLINE CHARGING SYSTEM DURING AN OVERLOAD AND APPARATUS ASSOCIATED THEREWITH - A method for using a charging system to account for service provided by a network element in a service provider network is provided. The method may include storing load information records for multiple charging control function (CCF) servers at the CCF servers, receiving status messages from the multiple CCF servers at the CCF servers in conjunction with operation of the CCF servers in a charging system, and updating load status and timestamp fields in the load information records for the status messages received cyclically. The load information records being accessible to the select CCF server for selecting at least one alternate CCF server after the select CCF server determines it is too busy to process some accounting request (ACR) from some network element. The select CCF server may include a peer characteristics storage module, a charging system communication module, and a status message parsing module.05-17-2012
20120158558AUTOMATED TRANSACTION ACCOUNTING PROCESSING ENGINE AND APPROACH - Accounting data is classified to facilitate transaction processing and management. According to an example embodiment, data based rules are implemented for classifying transaction-related data into accounting categories. Accounting information is processed as a function of the data based rules and accordingly classified. This approach involves, for example, the identification of particular data based rules to apply to the accounting information, applying the rules and processing the information accordingly.06-21-2012
20120158556Dynamic Measurement Of Business Service Usage - Upon receiving a service call relating to completion of a business process that uses resources of a core software platform, a service meta-object comprising a business value calculation blueprint associated with the service call can be retrieved from a metadata repository. The business value calculation blueprint can include an algorithm for assigning a business value to the service call. The algorithm can include a specification of required input data about the service call. The required input data can be extracted from at least one of the service call and an application component from which the service call originated. The business value can be calculated based on the extracted required data and the business value calculation blueprint. Related methods, systems, and articles of manufacture are disclosed.06-21-2012
20120072316VIRTUAL ACCOUNTING LEDGER SYSTEM - The present invention is directed to a virtual electronic accounting ledger and method for sharing and locating account transaction business documents among multiple users with a computer system. The accounting ledger is logically divided to correlate to audit compliance criteria and includes automatic updating of substantive data across a global computer network. Native document files may be stored in a database of the global computer network and linked to substantive data of the company.03-22-2012
20120072315AGENT REFERRAL SYSTEM AND METHOD WITH INTEGRATED BUYER, LENDER, AND AGENT COMMUNICATION - A computerized system and method are presented for allowing a real estate agent to directly enroll a buyer in a destination real estate market after referring the buyer to a receiving agent. After affirmation by the buyer, the system provides the buyer with listing information obtained through the MLS of the destination real estate market. The referring agent continues to participate in the buyer's real estate research through the system, while also being eligible to receive a referral fee paid by the receiving agent. The computerized system maintains a list of certified agents able to receive a referral. Only those agents that have contractually agreed to pay a referral fee for clients obtained from other agents through the system and who meet certain performance minimums in the system will be certified.03-22-2012
20110093370Reading, Organizing and Manipulating Accounting Data - A financial reporting system for reading, organizing and manipulating any accounting data and producing financial reports that may be customized to the preferences of the user. In one embodiment there is an organizational data structure for accounting data, including a trial balance data structure having a plurality of trial balance data structure elements containing accounts of the accounting data, wherein the trial balance data structure elements are linked by a distinct doubly linked list of trial balance data structure elements pointers, further comprising sub-lists of trial balance data structure elements pointers to group the accounts of the accounting data into financial statement items.04-21-2011
20120109791CASH MANAGEMENT OF SELF-SERVICE TRANSACTIONAL DEVICES - Devices and techniques for cash management of self-service transactional terminals are provided. Cash flow, cash holding cost, and cash service cost data, associated with one or more self-service transactional devices are received. An optimal cash reset value and associated interval between services calls may be calculated based on the cash flow data, the cash holding cost data, and the cash service cost data. The cash reset value being the amount of cash left in each of the one or more self-service transactional devices after a service call.05-03-2012
20120109790INTEGRATION OF APPLICATIONS WITH A FINANCIAL CLOSE MANAGEMENT SYSTEM - A computer-readable medium, computer-implemented method, and financial close management system are provided that includes a integration framework that allows an end user to leverage services or interfaces from external applications as part of a business process, such as a financial close process, of a financial close management system. The integration framework can integrate a task that requires the user to interact with a user interface of an external application (identified as an “end user task”) with the financial close management system. The integration framework can also integrate a task that runs without any user interaction required, and that interacts with a web service of an external application (identified as a “system automated task”) with the financial close management system.05-03-2012
20120158555METHODS, APPARATUS, SYSTEMS AND COMPUTER READABLE MEDIUMS FOR USE IN ASSOCIATION WITH PURCHASING ACTIVITIES - According to some embodiments, a method comprises: receiving, by a processing system, data indicative of purchasing activities; displaying, by a processing system, a summary of at least a portion of the purchasing activities; receiving, by a processing system, a user request to simulate a change to the at least a portion of the purchasing activities; determining, by a processing system, at least one result of the simulated change to the at least a portion of the purchasing activities; displaying, by a processing system, the at least one result of the simulated change to the at least a portion of the purchasing activities; receiving, by a processing system, a user request to store data indicative of the at least one result; and storing, by a processing system, data indicative of the at least one result in association with the data indicative of the purchasing activities.06-21-2012
20110066530ONLINE CHARGING ARCHITECTURE IN LTE/EPC COMMUNICATION NETWORKS - Communication networks and methods are disclosed for performing online charging in LTE/EPC communication networks. In an LTE/EPC communication network, one or more LTE network elements connect to an Online Charging System (OCS) over an enhanced interface. The LTE network element that is serving a session for a mobile device triggers on a charging event, and generates a credit request message (e.g., Diameter CCR). The LTE network element identifies access information for the session indicating the type of access for the mobile device to the LTE/EPC communication network, and inserts the access information in the credit request message. Through the enhanced interface, the LTE network element is able to transmit the credit request message to the OCS with the access information. The access information may then be used in the OCS to determine a more accurate charging rate for the session.03-17-2011
20110066529NEGOTIABLE INSTRUMENT ELECTRONIC CLEARANCE MONITORING SYSTEMS AND METHODS - Methods, devices, and systems for analyzing negotiated negotiable instruments are described. A computer system, including a computer readable storage device and a processor may be provided. A plurality of electronic files may be received. Each of these electronic files of the plurality of electronic files may include an electronic image of at least a portion of a negotiable instrument and include a plurality of data fields. The plurality of electronic files may be divided into subsets based on whether data is available in particular data fields of the electronic files. Based upon the subset an electronic file is made a member of, various selection criteria may be applied to determine if the electronic file is a candidate for suspicious and/or illegal activity. Statistics may be calculated about the analysis process to determine the quality and effectiveness of various analysis methods.03-17-2011
20110066528SYSTEM AND METHOD FOR FINANCIAL TRANSACTION - Provided are a method and system for P2P financial transaction between members that can connect to a card company server having DBs for the members 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 A and B and establishing a first claim amount and a first obligation amount of the members A and B, reporting the first claim amount or the first obligation amount of the member A to the card company server, and recording first incoming (+) or first outgoing (−) in a DB for the member A, establishing a second claim amount and a second obligation amount of members A and C according to a second contract between the members A and C involving monetary claim/obligation, reporting the second claim amount or the second obligation amount of the member A to the card company server, recording second incoming (+) or second outgoing (−) in a DB for the member A, and adding or subtracting respectively to or from the first incoming (+) or the first outgoing (−), and settling final incoming or outgoing, added or subtracted in the DB for the member A at regular intervals.03-17-2011
20090138387System and method for centralized automated reconciliation of custody accounts - A method and system for centralized automated reconciliation of investment manager and related custody accounts makes use of computer hardware and software in a service bureau environment to receive information and records electronically from fund managers and custodian banks in different formats, to reformat the files for inputting to the system, and to perform the reconciliation process in a uniform manner. The system also allows one or both of fund managers and custodians to establish matching rules, to view the results of the matching process, to track the investigation process for unmatched records, and to manually match unmatched records.05-28-2009
20110106676System and method for comprehensive management of company equity structures and related company documents with financial and human resource system integration - A system comprises business logic operable for managing and administering company entities, records, documents, equity instruments, and stakeholders, a database storing data associated with the business logic, integration logic operable to integrate the business logic and its associated data with existing enterprise systems and data associated therewith, and a graphical user interface presenting a hierarchical tree view of the company entities, records, documents, equity instruments, and stakeholders.05-05-2011
20110106677SYSTEM AND METHOD OF OFFSETTING INVOICE OBLIGATIONS - Invoice resolution systems are disclosed that include: at least one sales invoice, wherein each sales invoice comprises a credit value, at least one purchase invoice, wherein each purchase invoice comprises a debit value, at least one database or repository stored on a medium for executing the executable code that collects the at least one sales invoice and the at least one purchase invoice; and an executable code for intelligently determining an invoice chain comprising at least one purchase invoice having a debit value and at least one sales invoice having a credit value and offsetting the debit value with the credit value. Invoice resolution systems are also disclosed that include: at least one sales invoice, wherein each sales invoice comprises a credit value, at least one purchase invoice, wherein each purchase invoice comprises a debit value, at least one database or repository stored on a network computer system that collects the at least one sales invoice and the at least one purchase invoice; and an executable code for intelligently sorting the at least one purchase invoice having a debit value and at least one sales invoice having a credit value to produce an invoice chain and offsetting the debit value with the credit value. Methods for resolving invoice obligations include: providing at least one seller having at least one sales invoice, providing at least one customer having at least one sales invoice and at least one purchase invoice, producing an invoice chain by utilizing the at least one sales invoice and at least one of the at least one purchase invoice; and offsetting the at least one sales invoice of the seller with at least one sales invoice of the customer, at least one purchase invoice or a combination thereof.05-05-2011
20110106672Automatic Modification of Financial Record Parameters - Formatting of data entered and/or stored in a financial transaction record may be automatically corrected or modified to an expected or compatible format. The format in which data is to be stored may be defined by a financial institution processing the transaction and/or a customer affected by the transaction. Format rules may be defined and used to judge whether a transaction record parameter meets the required format. If so, the record parameter may be validated and saved. If, however, the parameter is not formatted according to the rule, the system may automatically revise the value stored in the parameter to satisfy the requirements. According to another aspect, if a transaction record has been modified, manual confirmation of the change may be requested.05-05-2011
20110106671Financial Transaction Error Detection - A system and method for receiving transaction data and identifying errors within the transaction data is provided. The transaction data may be received at a transaction data processing system and transactions having errors associated with them may be identified. In some arrangements, the identified transactions may be edited or manipulated, for instance, by a user. In some examples, an error type may be associated with the identified transactions. The identified transactions may be transmitted to a transaction error resolution system for resolution of the error and/or adjustment.05-05-2011
20110106669Vehicle Impound and Auctioning Management system - A system is employed to operate a vehicle impounding facility for a municipality. A selection is received of a marked vehicle in a marked grid for titling, and an application for title for the selected vehicle is effectuated in the name of the municipality. A notation is received of a selected vehicle in a pending grid as being titled when the application for title for the selected vehicle has been approved and received. A scheduling is received of a titled vehicle in a select auction date grid for an upcoming auction. An assignment is received of a minimum bid value to a scheduled vehicle in a minimum bid guide grid in connection with the auction. Entry is received in a final auction grid of a purchase price for which a valued vehicle has been auctioned and a purchaser.05-05-2011
20110106668PAYMENT APPLICATION ON CLIENT DEVICE - A payment method according to an embodiment comprises receiving, by a payment provider, a payment amount for an application, product and/or service selected by a user over a client device, wherein the payment amount is split between one or more receivers according to instructions provided for splitting the payment amount; and transferring the payment amount to one or more accounts among the one or more receivers according to the instructions.05-05-2011
20110106667System for object oriented financial accounting - A system for accounting comprises a processor and a memory. The processor is configured to determine one or more accounting rules based at least in part on an accounting object. The processor is further configured to determine accounting for the accounting object based at least in part on the one or more accounting rules. The memory is coupled to the processor and configured to provide the processor with instructions.05-05-2011
20100094734Method, communication apparatus and system for handling a recharge service - Methods and systems for handling a recharge service and communication apparatuses thereof are disclosed according to embodiments of the present disclosure. The method for handling a recharge service includes receiving a recharge service request; checking whether an abnormal recharge log includes a recharge card ID and whether a recharging process has been successfully performed via a recharge card associated with the recharge card ID; requesting a voucher center to authenticate the recharge card associated with the recharge card ID so that the voucher center may recharge, after the recharge card passes the authentication, the user account via the recharge card if the recharge card ID carried in the recharge service request is not contained in the abnormal recharge log, or a recharging process has not been successfully performed via the recharge card associated with the recharge card ID carried in the recharge service request. The methods and systems for handling a recharge service and communication apparatuses thereof according to embodiments of the present disclosure may effectively prevent the situation that one recharge card is used for recharge repeatedly, and thus avoiding economic loss to the operator.04-15-2010
20100094733SYSTEM AND METHOD FOR INCENTIVIZING THE PURCHASE OF RETAIL PRODUCTS - A method of incentivizing the purchase of products from a retailer includes receiving customer identification information when a customer purchases a number of gallons of gasoline, determining updated accumulated discount information and updated accumulated gallons information (gallons not yet converted to a discount) in response thereto, and storing the updated accumulated discount information and the updated accumulated gallons information at a central location in association with the customer identification information. Furthermore, the method includes receiving the customer identification information when that customer purchases retail products, determining an available discount based on the earned discount level, determining from the customer whether the customer elects to use the available discount, and if so, applying the available percentage discount in connection with the purchase of retail products by the customer.04-15-2010
20100094732Systems and Methods to Verify Payment Transactions - An apparatus includes a processor, storage, memory and a network connection. The processor is configured to: store user details in the storage including a plurality of telephone numbers, each associated with details of a payment card; receive, via the network connection, a request including a first telephone number related to a transaction; identify payment card details based on the first telephone number in response to the request; obtain an indication as to whether the transaction is valid using the first telephone number; and send the payment card details via the network connection to a payment server to process the request if the transaction is determined to be valid.04-15-2010
20120185368METHOD AND APPARATUS FOR PROCESSING RECEIPTS - Systems and methods of processing expense receipts are provided. Images of expense receipts are received from a user device. The images are processed to obtain receipt information. A list of user expenses is generated based on the receipt information.07-19-2012
20120123915CASINO OPERATIONS MANAGEMENT SYSTEM - A system, computer program and computer-based method for managing casino operations. The system provides for employee management and information storage and retrieval for a significant number of casino operations. The system includes an attendance controller that receives, stores and displays attendance information for casino personnel. Casino personnel are issued cards that uniquely identify them and monitor them in the fulfillment of their roles. Players may also receive these types of cards, which can be used to record their casino activity and reward them for playing. The system provides for managing financial transactions between the player and entity. Touch screen devices, resident at casino tables, may be used to request and manage the table.05-17-2012
20090132398Media Access Monitoring System And Method - Provided is a sealed cartridge for housing audio video media, the cartridge comprising an electrical counter displaying at least two different counting languages. The electrical counter configured to increment a count when the cartridge is in an audio video player device and the housed audio video media is accessed. An audio video media incorporating the electrical counter and a method of monitoring access to audio video media are also provided. Communication of usage counts over the Internet and processing payments to retailers, copyright holder and others are also provided.05-21-2009
20090132397COMMUNICATION METHODS AND SYSTEMS - A system arranged to receive an authorization request from an application server using a first communication protocol; identify a charging server associated with the authorization request from a plurality of charging servers, each charging server associated with a respective charging server communication protocol; and communicate with the identified charging server using the respective charging server communication protocol.05-21-2009
20090132396REVENUE CYCLE CHARGE CAPTURE SYSTEM AND METHOD - A method for identifying charge capture opportunities comprises steps of receiving and storing in a server computer at least one itemized bill and at least one final bill, comparing the final bill to the itemized bill to identify line item discrepancies between the bills, comparing either or both bills to a Charge Description Master (CDM) to identify discrepancies between line items of the bill and correct charges defined in CDM, and evaluating final bill according to a set of rules to identify potential missing charges associated with billed charges. Additionally or alternatively, itemized charges can be evaluated according to the rules to identify potential missing charges. Potential missing charges are displayed to a user as revenue opportunities for correction of the bill or other remedial action.05-21-2009
20090132395USER PROFILING IN A TRANSACTION AND ADVERTISING ELECTRONIC COMMERCE PLATFORM - The subject disclosure relates to electronic commerce and advertising platforms that aggregate transaction data from merchants and consumers. A set of enhanced scenarios built on the platform span both the online and offline transactional and advertising universe to the benefit of all participants of the electronic commerce and advertising platform. In non-limiting embodiments, user profiling is performed across multiple data providers that can infer additional profiling information from different transaction data sources, and can take into account a confidence associated with transaction data when updating a user profile, e.g., where data elements of given transaction data may be incomplete, missing or uncertain.05-21-2009
20090132394Delivering Product Impact Information At The Point Of Sale - Disclosed herein is a method and system for providing a consumer with information on lifecycle of a product at the point of sale. The product lifecycle information comprises lifecycle assessment data on the product with a specific focus on social, environmental, and energy impact attributes of the product. The product lifecycle comprises product creation, product usage, waste disposal, and product disposal. A lifecycle assessment entity is provided to deliver information on the product lifecycle. Information related to the lifecycle of the product is captured automatically and stored in a product information bank. The consumer requests for lifecycle information on a particular product and the requested lifecycle information pertaining to the product is retrieved from the product information bank and delivered to the consumer.05-21-2009
20090132393SYSTEM AND METHOD FOR EXPEDITED RELEASE OF HELD ITEMS - A system for identifying and expediting the release of held items, such as checks. Paying banks (having accounts against which the checks are drawn) provide paid item files to the system, and depository banks (where checks have been deposited) provide held item files to the system. If there is a match of a paid item file and held item file (indicating that a held check has been paid by the paying bank), the depository bank is notified that the item has been paid and that the hold may be released.05-21-2009
20120317003AUTOMATED EXPENSE ACCOUNT REPORT GENERATOR - An automated expense account report generator. Upon occurrence of a purchase transaction initiated using a transaction card by a user, the automated expense account report generator initiates transmission of a communication (e.g., a text message) to the user. The user responds to the communication (e.g., via text message) to provide transaction data corresponding to the purchase transaction. The transaction data is automatically processed to create an expense account entry in an expense account report including the transaction data provided by the user.12-13-2012
20120317002ACCOUNTING APPARATUS, IMAGE FORMING DEVICE, AND ACCOUNTING METHODS THEREOF - An accounting method for an image forming device is provided, which includes installing an accounting application, an accounting manager provided on a platform of the image forming device storing information on the installed accounting application in a storage unit, displaying information on the whole accounting applications stored in the storage unit if a start command for an image forming job is input, receiving a selection of one accounting application among the displayed information, performing the image forming job if it is possible for the selected accounting application to perform accounting for the image forming job, and performing the accounting according to an accounting policy of the selected accounting application if the image forming job is completed.12-13-2012
20120084184Enterprise Access Control and Accounting Allocation for Access Networks - Enterprise and consumer billing allocation for wireless communication device service usage activities is provided. In some embodiments, enterprise and consumer billing allocation for wireless communication device service usage activities includes: monitoring a service usage activity of a wireless communication device, and determining an enterprise and consumer billing allocation for the monitored service usage activity; reporting the monitored service usage activity to a network element, in which the network element determines an enterprise and consumer billing allocation for the monitored service usage activity; or providing a service design center for configuring an enterprise and consumer billing allocation of monitored service usage activities for a plurality of wireless communication devices associated with an enterprise account, and implementing the configured enterprise and consumer billing allocation for monitored service usage activities for the plurality of wireless communication devices associated with the enterprise account.04-05-2012
20120084183TRANSACTION PROCESSING CIRCUIT - According to one exemplary embodiment, a system for processing transactions is provided that comprises a transaction processing circuit configured to receive transaction data relating to one or more transactions for the purchase of software applications from a digital application store. The transaction processing circuit is further configured to apply one or more business rules to the transaction data and to generate one or more transaction summary files. The transaction summary files are transmitted to a payment system configured to perform, based on the transaction summary files, at least one of recording revenue related to the transactions and causing payment to be distributed to developers of the software applications. At least a portion of the transaction processing circuit is implemented using a shared, scalable computing system. A level of resources of the shared, scalable computing system requested for implementation of the transaction processing circuit is varied based on a volume of transactions processed by the transaction processing system.04-05-2012
20120123916COORDINATING LICENSE ACTIVATION OF LICENSABLE AUDIO VIDEO (AV) DEVICE COMPONENTS BETWEEN CONTRACT MANUFACTURER AND BRAND MANUFACTURER - A contract manufacturer (CM) makes a consumer electronics (CE) device under the auspices of a brand name manufacturer (BNM) associated with the CE device, paying royalties immediately on licensable components in the CE device that are activated for sale and not paying royalties on licensable components in the CE device that are deactivated for sale. Should a purchaser subsequently activate an originally deactivated licensable component, the CM receives this information and pays royalties accordingly on the now-activated licensable component.05-17-2012
20120123913AUTOMATED PAYROLL RECONCILIATION - Various embodiments of systems and methods for automated payroll reconciliation are described herein. One or more identifiers, one or more payment parameters, and one or more time references for one or more data entering operations of a plurality of related systems are captured and stored. A query is initiated based on a user-selection for reconciliation of at least a first system and a second system of the plurality of systems. A reconciliation report comprising a collation of the identifiers, the payment parameters and the time references of the first system and the second system is generated in response to the query.05-17-2012
20110125616Buffered Bookkeeping - A method and a system use buffered bookkeeping to update an account timely for a user to see the account information without having to wait until the next accounting date. The method records request events to generate a buffer record of the request events for an account having high-volume concurrent transactions, and fetches and processes the buffer record periodically at predetermined time intervals or recursively for bookkeeping of the request events in the account without waiting for the next accounting date. The transaction funds in the account are made available for inquiries and become accessible after only a short period of time upon the occurrence of the transaction. The length of the delay is configurable according to the level of concurrent transactions of the account.05-26-2011
20120221446E-RECEIPTS COLLECTION AND MANAGEMENT SYSTEM - In general, embodiments of the present invention concern the collection and management of a consumer's detailed receipt information in electronic form and the storage of the electronic receipts in a platform accessible to the consumer online or through the consumer's mobile device.08-30-2012
20120221445METHOD AND APPARATUS FOR DETECTING DUPLICATE ACCOUNTING RECORDS IN DISTRIBUTED NETWORK - A method for processing accounting requests (ACRs) to account for service provided by a network element (NE) of a service provider network may include receiving an ACR from a NE at a charging collection function (CCF) server, the CCF server in a charging system comprising a plurality of CCF servers, the ACR representative of a corresponding portion of service provided by the NE in conjunction with a communication session served by the service provider network, determining the ACR is a potential duplicate ACR for the portion of service; and storing ACRs received by the CCF server from the NE for the communication session in a retransmission buffer for subsequent detection and reconciliation of duplicate ACRs from the NE for the communication session by the charging system. The CCF server may include a network communication module, a retransmission status module, and a storage device that includes the retransmission buffer.08-30-2012
20120221444MESSAGE QUEUE BASED PRODUCT ASSET MANAGEMENT AUDITING SYSTEM - A server detects a product asset management operation and generates an event message corresponding to the product asset management operation. The event message includes data describing the product asset management operation. The server sends the event message to one or more message queues. One or more listeners that are associated to the one or more message queues can obtain the event message to perform an auditing action that indicates to a user an occurrence of the product asset management operation.08-30-2012
20120221447MULTIPLE BALANCE STATE ACCOUNT PROCESSING - A computer based system and method for processing financial accounts. Each account is defined by multiple daily account balance records. Each daily account balance record is defined by a daily account balance record posting state that defines the types of transactions that may be posted to the daily account record balance at any one time. The various daily account balance records defining a single account may have different daily account balance record posting states, thereby allowing different types of transactions for different account days to be posted to the same account simultaneously. The resulting account processing system and method provides customers greater flexibility in transferring money between accounts and provides banking entities greater flexibility in account processing timing and reducing operational costs.08-30-2012
20120130870METHOD AND SYSTEM FOR BUDGET MANAGEMENT - Provided are methods, systems and computer programs for managing finances such as personal budgets.05-24-2012
20120130871Content delivery network service provider (CDNSP)-managed content delivery network (CDN) for network service provider (NSP) - A CDN service provider shares its CDN infrastructure with a network to enable a network service provider (NSP) to offer a private-labeled network content delivery network (NCDN or “private CDN”) to participating content providers. The CDNSP preferably provides the hardware, software and services required to build, deploy, operate and manage the CDN for the NCDN customer. Thus, the NCDN customer has access to and can make available to participating content providers one or more of the content delivery services (e.g., HTTP delivery, streaming media delivery, application delivery, and the like) available from the global CDN without having to provide the large capital investment, R&D expense and labor necessary to successfully deploy and operate the network itself. Rather, the global CDN service provider simply operates the private CDN for the network as a managed service.05-24-2012
20120130869METHOD AND SYSTEM FOR DISPLAYING FINANCIAL INFORMATION - Methods, systems and computer programs that display financial information are provided.05-24-2012
20120166320METHOD AND APPARATUS FOR EFFICIENT HANDLING OF PRODUCT RETURN TRANSACTIONS - A method and apparatus for efficient handling of product returns to reduce associated costs. A computer system at a regional product return center scans a returned product for identifying information, accesses a manufacturer return approval computer system through the internet or the like, and then submits the identifying information to the manufacturer for return approval. The manufacturer computer system utilizes the identifying information to access an electronic registration database to determine whether the returned product satisfies applicable return criteria. If so, the product is approved for return to the manufacturer.06-28-2012
20120215668SYSTEM AND METHOD FOR DATA MANAGEMENT AND FINANCIAL TRANSACTION CATEGORIZATION - A transaction management system includes a database system configured to receive and store data for a plurality of financial transactions, the data for the plurality of financial transactions being associated with a plurality of financial accounts of a user. The system further includes a server system coupled to the database system and configured to categorize the plurality of financial transactions into a plurality of categories, the categories including merchant categories and payment method categories, the server system being further configured to provide a plurality of user interfaces to the user, each user interface providing a display of a different portion of the plurality of financial transactions, each user interface configured to enable a user to select a link configured to direct the user to an image of a check associated with one of the plurality of financial transactions; and categorize the financial transaction into a one of the merchant categories.08-23-2012
20100205077RESTRICTING ACCESS TO COMPROMISED ACCOUNT INFORMATION - A notification service protects different user accounts from being exposed to fraudulent activity when one of the accounts is compromised. The notification service instructs an issuer of the compromised account to automatically close, freeze or place the other associated accounts on a watch list to prevent potential exposure to the other accounts due to a security breach associated with the compromised account. The card holder may receive notification of the compromised account from the notification service or the issuer via a mobile device. The mobile device may directly contact other issuers with one request to restrict access to any accounts associated with the compromised account. In the event that the compromised account is loaded on the mobile device, the account is cancelled and a new account is loaded to the mobile device.08-12-2010
20100205075LARGE-SCALE ITEM AFFINITY DETERMINATION USING A MAP REDUCE PLATFORM - Pair-wise item affinity is based on transaction records. Each transaction record includes an indication of a bucket and an indication of an item transacted corresponding to that bucket. The method comprises a Phase 08-12-2010
20100205074Network leasing system and method thereof - A network leasing system and a method thereof are provided, which lease a translation service through network connection, generate an authentication code based on a product serial number, and use the authentication code to decide whether to install a program data or not, so as to solve the problems that a software lease service cannot be performed in a network and an installation of an illegal program data cannot be restricted, thereby implementing a software lease service in a network, and achieving the technical effect of providing a translation service to a lessee in real time by an authentication process.08-12-2010
20120136763USING COMMERCIAL SHARE OF WALLET IN PRIVATE EQUITY INVESTMENTS - Commercial size of spending wallet (“CSoSW”) is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet (“CSoW”) is the portion of the spending wallet that is captured by a particular financial company. A modeling approach utilizes various data sources to provide outputs that describe a company's spend capacity. Private equity firms and other investors of small businesses can use the CSoW/CSoSW modeling approach to more accurately evaluate small and privately held companies, both during investment and for evaluating prospective investments. Over-the-counter securities trading systems can also use this modeling approach to provide more accurate information and/or rankings of listed companies to their customers.05-31-2012
20120136761SYSTEM AND METHOD OF OPERATING A SHARIA COMPLIANT PAYMENT CARD - A method for a transaction that is compliant with Sharia law and a payment card for implementing the method are disclosed.05-31-2012
20120136762Systems, Methods, and Media for Lifestyle Management - Systems and methods for lifestyle management are provided. In some embodiments, systems for lifestyle management are provided, the systems comprising: at least one hardware processor that: receives a work-optional age selection from a user; receives a plurality of lifestyle choice settings; based on the plurality of lifestyle choice settings, presents prompts to the user to make a selection of a desired lifestyle for each of a plurality of lifestyle categories; receives from the user a plurality of desired lifestyle selections in response to the prompts; and based on the plurality of desired lifestyle selections, presents a currency amount of assets needed for the user to live a lifestyle consistent with the plurality of desired lifestyle selections for a period of the life of the user.05-31-2012
20120136760IMAGE FORMING APPARATUS AND FACSIMILE TRANSMITTING METHOD THEREOF - An image forming apparatus includes a plurality of fax lines and a user interface unit that receives a fax job request from a user who is allocated to at least one allocated fax line among the plurality of fax lines. The image forming apparatus further includes a TTI producing unit that produces a TTI corresponding to the fax line allocated to the user, an image processing unit that produces a fax image based on the produced TTI and the fax job request, and a fax unit that transmits the fax image using an idle line among the plurality fax lines when the user's allocated fax line is in use.05-31-2012
20110184840SYSTEMS AND METHODS FOR FACILITATING ACCOUNT VERIFICATION OVER A NETWORK - In accordance with embodiments of the present disclosure, systems and methods for facilitating electronic commerce over a network include generating a transfer code for a client, associating the transfer code to a client account related to the client, providing the transfer code to the client over the network, receiving a fund transfer request from a trusted entity on behalf of the client over the network, the fund transfer request including the transfer code, extracting information from the fund transfer request including the transfer code associated with the fund transfer request, accessing the client account related to the client, extracting information from the client account including the transfer code associated with the client account, and verifying the transfer code of the fund transfer request by determining whether the transfer code associated with the client account matches the transfer code extracted from the fund transfer request.07-28-2011
20100191630Reuse of an EBP Account Through Alternate Authentication - A technique for accessing an electronic commerce service is provided in which information associated with a subscriber's account with an electronic commerce service is stored along with first subscriber credentials for that subscriber to access the services. An account is created during enrollment. The enrollment is associated with a first electronic commerce participant, i.e., a biller or a payee. A request for the subscriber to access an electronic commerce service in association with a second electronic commerce participant is received. Without the subscriber, or any other entity providing the credentials, the subscriber is granted access to the requested service utilizing the account established in association with the first participant. This access is granted based upon the subscriber providing information other than credentials, the provided information being information stored by the service provider in association with the enrollment.07-29-2010
20100191627ACCOUNTING DEVICE AND ACCOUNTING METHOD - An accounting device includes: a first calculation unit which calculates a total amount for ordered menu items; a second calculation unit which calculates an estimate deposit amount as a result of adding, to the total amount calculated by the first calculation unit, a difference between an amount in a processing target digit of the total amount and an amount of a coin or banknote that is more expensive than the amount in the processing target digit; a display control unit which displays an operation image to input the estimate deposit amount calculated by the second calculation unit; and an input acceptance unit which accepts input of the estimate deposit amount calculated by the second calculation unit corresponding to the operation image when the displayed operation image is operated.07-29-2010
20100185534SYSTEM AND METHOD FOR NORMALIZING SERVICE USAGE DATA - In embodiments of the invention, a method for normalizing service usage data includes defining a plurality of service usage-related data types, collecting service usage data using a computer implemented facility, and sorting the service usage data according to the defined service plan-related data types. Related user interfaces, applications, and computer program products are disclosed.07-22-2010
20100174627System and Method to Analyze a Billing System Database and Revenue Performance by Applying Scientifically Proven Statistical Filters to Analyze Variation and Identify Useful Exceptions - Described herein are systems and methods for obtaining information and evaluating billing system process data to predict where problems occur. The systems and methods may be used to evaluate data collected over time by individual clients and their billing service providers. The systems and methods provide the ability to monitor any billing process and predict where problems and opportunities are in precise ways utilizing statistical rules and theories as well as control charts to analyze the existing billing data for clients to produce charts that reveal desired information, alerting the user to any exceptions, variations or abnormalities in the data as an exception report. Exceptions identified are presented in a summary file or other format allowing the user to quickly expose significant variation and assess the need for corrective action.07-08-2010
20100174626PAYMENT SYSTEM - Embodiments of the invention provide a method of processing payment authorisation requests for payment transactions to be conducted via a data communications network on behalf of online merchants. The payment authorisation requests are conducted as a result of orders by financial instrument holders via a plurality of different online merchant systems, each of said online merchants having an online merchant identity. The method is conducted by a trusted central intermediary system which is configured to transmit payment authorisation requests to each of a plurality of different online merchant Internet Payment Service Provider (IPSP) systems. In some embodiments, a user may select a payment method on a per transaction basis, while removing the requirement for the user to provide payment details to individual online merchant systems or to their merchant IPSP systems by having the user submit their respective payment details to a separate, trusted entity.07-08-2010
20100174625Method and System for Awarding Points for Purchases for Purposes of Providing Humanitarian Aid - A system is described for providing humanitarian aid. The system includes means for providing a sponsored item for sale at a merchant. The sponsored item is associated with a corresponding point value used for purposes of providing humanitarian aid. Means are provided for registering a purchase of the sponsored item at the merchant. The system includes means for determining the corresponding point value for the purchased sponsored item. This is accomplished, by cross-referencing a first database that stores an identification code and corresponding point value for the sponsored item. Further, means for associating the point value with a donation is included within the system. The donation is targeted to a recipient for providing humanitarian aid. In addition, means for determining a donation amount for the donation is included within the system. Means for distributing the donation to the recipient is also included within the system.07-08-2010
20120173395WASTE PROCESSING SYSTEM AND METHOD - A waste processing system (07-05-2012
20100299232Method of communications for an intelligent digital audiovisual playback system - Method for communication between a central server and a computerized juke-box which operates in a conference mode, including: sending a header before any transaction, which includes the identity of the destination together, the identity of the emitter, and the size of the packets; responding from the server in the form of a data packet, each packet sent by the server being encoded using the identification code of the juke-box software; and receiving a data packet by the juke-box, which decodes the packet, simultaneously performs a check on the data received by the CRC method and sends an acknowledgement of receipt to the server indicating the accuracy of the information received, to allow it to prepare and send another packet to the juke-box.11-25-2010
20100299231SYSTEM AND METHOD FOR INTELLECTUAL PROPERTY MORTGAGING - A method that provides industry specific consulting, management, and production services to individual IP producers. More specifically, the method provides intellectual property leveraging strategies, accounting, and finance methods for individual IP producers based on a contractual relationship wherein a business entity delivers the industry specific consulting, management, and production services to the individual IP producer based on the evaluated value of the produced IP product.11-25-2010
20100299230RECURRING TRANSACTION PROCESSING - Techniques for processing of recurring payments are provided that allow a consumer to decide whether to update consumer account information at a merchant when a consumer is issued new account information for a payment card or the like. For example, a consumer may register with a payment processing network associated with the consumer's payment card. During registration, the consumer may indicate the payment card number and expiration date, the name of merchants that the consumer pays on a recurring basis using the payment card and the corresponding merchant website addresses, in what form the consumer would like to receive alerts (e.g. text message, email), and when to receive alerts (e.g. a particular number of days prior to the expiration date). The payment processing network sends the consumer an alert message based on the preferences indicated during registration, including the names and website links for each merchant indicated during registration. The consumer can use the alert message to access the merchant websites and update the account information for a new payment card.11-25-2010
20100049638MULTI-COMPANY BUSINESS ACCOUNTING SYSTEM AND METHOD FOR SAME INCLUDING FINANCIAL REPORTING - In at least one embodiment of the present invention, a computer implemented method of financial reporting using a multi-company accounting system is provided. The method comprises specifying at least one distinct Natural Account Segment per report line of a plurality of report lines of the financial report via input from an interface user into the multi-company accounting system to define a report setup. The Natural Account Segment defines a specific type of one of an asset, liability, owner equity, revenue and expense account. The report lines are arranged into a tree view with the multi-company accounting system. The tree view defines a hierarchical format for the financial report and is displayable on a display of a computer arrangement.02-25-2010
20100049637MAPPING PORTAL APPLICATIONS IN MULTI-TENANT ENVIRONMENT - A method implemented in a computer infrastructure having computer executable code tangibly embodied on a computer readable medium being operable to associate each of a plurality of tenants with a respective virtual portal and individually meter virtual portal usage at each respective virtual portal. Additionally, the computer executable code is operable to determine a fee amount for the each of the plurality of tenants based on the individually metered virtual portal usage.02-25-2010
20100280926STORING TRANSACTION DETAILS FOR MOBILE TELEPHONE TOP UPS VIA AUTOMATIC TELLER MACHINES - A method includes receiving a request from an automatic teller machine (ATM). The request indicates that a user of the ATM wishes to perform a current top up transaction for a mobile telephone owned by the user. The method further includes responding to the request by downloading a message to the ATM. The message contains data that indicates one or more mobile telephone carriers and one or more mobile telephone numbers that were subject to a prior top up transaction performed by the user.11-04-2010
20090106131REMOTE RECORDATION OF FINANCIAL DATA USING A PERSONAL MOBILE DEVICE - Systems and methods for processing financial transactions at remote locations on wireless communication devices is presented. A wireless communication device is configure with executable modules such that the device can interact with a user to, first, receive a first user indication to create a data record corresponding to a financial transaction on the wireless communication device. Thereafter, the device creates a data record corresponding to the financial transaction. Information corresponding to the financial transaction on the wireless communication device is received into a data record and stored in a temporary data store on the wireless communication device. Thereafter, the wireless communication device transmits the data record to a receiving service for processing in a financial application.04-23-2009
20120226590SYSTEM AND METHOD FOR SUSPECT ENTITY DETECTION AND MITIGATION - A plurality of institutions (such as financial institutions) contribute data to a data analysis and linking system. The system analyzes the data to create data nodes (records) associated with an entity, where the entity may be, for example, a person/individual, business, organization, account, address, telephone number, etc. After data is linked, and in order to retrieve linked data, a requester may provide to the system an identifier associated with an entity. The linked data provided by the system in response to the identifier may be in the form of a network of data nodes associated with the entity and for use in assessing risk, such as risk associated with a transaction being conducted by a person. The linked data may also be analyzed at the system to score risk associated with the entity, and the risk score provided in conjunction with or in lieu of the network of data nodes.09-06-2012
20100274691MULTI ALERTS BASED SYSTEM - Systems and methods for defining, observing and detecting triggering user account events that initiate a user account alert message to be sent to one or more users are disclosed. Location and merchant, transaction result, device and, usage history/trend types of user account alerts and trigger criteria can be defined or selected by users, issuers were notification alert engines. Alternatively, user account alerts and trigger criteria can be defined by analyzing previously observed user account events, such as credit card transactions, to determine user profiles and user account usage trends, i.e. credit card spending patterns, as baselines for comparing newly observed user account events. If information associated with the newly observed user account events match any of the trigger criteria or are inconsistent with the determined user profile or user account usage trends, then user account alerts can be sent to one or more users.10-28-2010
20100274690METHOD TO FACILITATE OPPORTUNITY CHARGING OF AN ELECTRIC VEHICLE - A method for electrically charging a high-voltage battery of a subject vehicle includes resolving a geographic location of the subject vehicle at a remote charging site, electrically charging the high-voltage battery through a connection of the subject vehicle to an electric power outlet at the remote charging site, monitoring cumulative electric power flow to the high-voltage battery of the subject vehicle, communicating the cumulative electric power flow to a central server, and reconciling billing for the cumulative electric power flow between an owner of the subject vehicle and an owner of the remote charging site.10-28-2010
20100274689ALERT PRIORITIZATION LOGIC - A first embodiment of the present invention relates to systems and methods for determining a priority for a set of alert triggers and performing additional processing based on the determined priority. In some embodiments, additional processing may include generating and sending of alert messages. In other embodiments, additional processing may further include determining that the generating and sending of alert messages are to be delayed until a later time. In yet other embodiments, additional processing may include determining that no alert message is to be generated and sent. A second embodiment of the present invention relates to systems and methods for dynamically selecting a delivery channel and generating an alert message for the selected delivery channel. In some embodiments, the alert message may be formatted based on the selected delivery channel. According to one embodiment, the alert message may be generated based on a compact protocol format. When the alert message is received by a mobile device, the mobile device may use the alert message to generate a second alert message.10-28-2010
20120179586COMPUTER BASED SYSTEM FOR SPEND ANALYSIS SOLUTION THROUGH STRATEGIES FOR MINING SPEND INFORMATION - A computer based system for spend analysis solution through strategies for mining spend information, the system comprises a processor unit; and a computer readable medium storing instructions executable by the processor unit comprising classification means adapted to classify spend data in accordance with pre-determined parameters of classification; categorization means adapted to categorize classified spend data based on pre-defined parameters; input means adapted to input pre-defined fields in relation to category of spend data, supplier information, payment terms, contracts or contract terms, and other pre-defined dimensions; saving strategy analysis engine adapted to analyze classified and categorized spend data based on pre-determined strategies, said saving strategy analysis engine further comprising category based saving strategy analysis engine adapted to output saving strategy per identified category inputs; and supplier based saving strategy analysis engine adapted to output saving strategy per identified supplier inputs.07-12-2012
20100306089SINGLE OR MULTI-COMPANY BUSINESS ACCOUNTING SYSTEM AND METHOD FOR SAME INCLUDING VENDOR ACCOUNT MAINTENANCE - A computer implemented method for vendor account maintenance using a single or multi-company accounting system is provided. The method comprises at a processor, performing the vendor account maintenance on one or more vendors within the system including at least one of i) splitting the vendor into two different vendors as of a specified search criteria based on one or more checks that pay one or more vouchers associated with the vendor; and ii) merging two or more of the vendors into a single vendor as of a specified search criteria based on one or more checks that pay one or more vouchers associated with each of the two or more vendors.12-02-2010
20100306088SINGLE OR MULTI-COMPANY BUSINESS ACCOUNTING SYSTEM AND METHOD FOR SAME INCLUDING ACCOUNT NUMBER MAINTENANCE - A computer implemented method for account number maintenance used within a single or multi-company accounting system is provided. The method comprises at a processor, performing the account number maintenance on at least one of a plurality of accounts. Each of the accounts has a plurality of account segments. Performing the account number maintenance includes at least one of i) renaming the account segment of at least one of the accounts; ii) changing a length the account segment of at least one of the accounts from a first defined length having a first number of characters to a new defined length having a second number of characters; iii) changing the account segment of at least one of the accounts; iv) merging two or more of the accounts into one of the accounts; and v) splitting one of the accounts into two different accounts.12-02-2010
20100306087SYSTEMS AND METHODS FOR ELECTRONICALLY CIRCULATING A CURRENCY - One or more currency notes deposited at a currency reserve may be electronically circulated by a transaction provider. The transaction provider may maintain a record of the ownership status of the one or more currency notes in a computer-readable storage medium. The transaction provider may provide for an entity to obtain ownership of a currency notes. The entity may submit a request to the transaction provider to transfer a currency note to another entity. The transaction provider may authorize the request, and may perform the transfer if the request is authorized. The transfer of ownership may take place while maintaining the physical currency note in the currency reserve. A record of the transaction may be stored by the transaction provider and/or transmitted to the parties to the transfer. The transaction provider may allow for the exchange or currency notes into other denomination and/or currency types.12-02-2010
20100306086METHOD AND SYSTEM FOR TAGGING AND TRACKING DONATION TRANSACTIONS - Method and system for tagging and tracking donation transactions through accounting means between financial and non-financial entities, method comprising steps of accepting registration of one or more users to the System, accepting a donation transaction via Collection Point, capturing data related to the circumstances, type and quantum of a donation transaction, generating a Tracking Reference upon completion of the donation transaction, delivering a receipt for the donation transaction, in which is embedded the tracking reference for the associated donation, tracking the progress of the donation transaction between financial and non-financial entities by means of the interlinked transmission and receipt of reports, accepting inquiries as to the status or history of the donation transactions by reference to a cited tracking reference, accepting inquiries as to the status or history or delivery of the associated donation value by reference to a cited tracking reference and delivering reports in response to such inquiries.12-02-2010
20100010923Distributing Alternatively Generated Power to a Real Estate Development - A system for distributing alternatively generated power to a real estate development includes at least one alternative energy electrical power generator forming a cooperative power farm. A power grid receives electrical power from the cooperative power farm. A metering credit system is configured to determine a metered credit of power received by the power grid from the cooperative power farm. A plurality of real estate properties are electrically coupled to the power grid and receive at least a portion of the metered credit of power. Ownership of at least one of the plurality of real estate properties includes rights to the portion of the metered credit.01-14-2010
20100010922System and Method for Providing Interoperability Between Diameter Policy Control and Charging in a 3GPP Network - A system and method are described whereby interoperability is facilitated in a 3GPP network environment in combination with DIAMETER policy controls. Such interoperability enables updated policy rules to be fully communicated in on-line charging situations where quota expirations occur. This invention maintains centralized policy control in a 3GPP network with on-line charging.01-14-2010
20100010921METHOD AND APPARATUS FOR PROCESSING ON-LINE DONATIONS ASSOCIATED WITH MEDIA CONTENT - A computer-implemented method and apparatus for processing on-line donations associated with media content is disclosed. An example embodiment includes elements to integrate a payment button with an associated item of media content on a web page; link the payment button with an account on a payment site; receive a donation from a donor via the payment button; and credit the donation to the account linked to the payment button.01-14-2010
20090070240Method and system to us either or both a centralized function in order to facilitate property use arrangements, and/or to use life insurance policy death benefits as balance sheet assets. These may or may not encourage loan default and foreclosure avoidance - Supporting the homebuyer's ability to remain in their property, in lieu of default and foreclosure, this method and system is useful in order to create a temporary solution to the rising problem of loan defaults. This method and system may be used for any loan. Instead of a lender processing a judicial or non-judicial foreclosure, and thereby absorbing large debits on their balance sheet, a lender may use this method and system in order to maintain an offsetting balance sheet asset until a new loan is issued. This method and system may be employed for as long as the lender and borrower wish, i.e. as long as the workout takes.03-12-2009
20120253998COST CALCULATION DEVICE, COST CALCULATION METHOD, AND COST CALCULATION PROGRAM - A cost calculation device executes a cost calculation using a principle of a structure matrix including an upper side portion, a left side portion, and a central portion and includes a production information storage unit for storing production information in which a production item, a production activity amount, and a production unit cost are associated, an investment information storage unit for storing investment information in which an investment item, an investment activity amount, and an investment unit cost are associated, and a ratio information storage unit for storing ratio information representing a ratio of the investment activity amount invested in the production activity amount to the production activity amount. The cost calculation device is configured to have a predetermined link relation and generate a structure matrix with production in an upper side portion, investment information in a left side portion, and ratio information in a central portion.10-04-2012
20100268626DYNAMIC PREPAYMENT RISK MANAGEMENT - A system and method are disclosed for monitoring, managing and reporting credit card prepayment risk for an issuing bank. Sales data, corresponding payment data and data indicating the fulfilment of orders are monitored. The amount required as security by the bank is dynamically adjusted, for example on a daily basis, in response to the quantum of prepayment exposure determined by the data.10-21-2010
20090018937Apparatus and method for providing transaction history information, account history information, and/or charge-back information - An apparatus and method for providing transaction history information, account history information, or charge-back information, including a memory device for storing at least one of transaction history information, account history information, charge-back information, stopping of payment information, non-payment due to insufficient funds information, and account information, for at least one account, a processor for processing information regarding a transaction on an account in conjunction with the information stored in the memory device, wherein the processor generates an information report containing at least one account history information, account payment information, account non-payment information, charge-back information, stopping of payment information, and non-payment due to insufficient funds information, and a transmitter for transmitting the information report to a communication device associated with at least one of a merchant, a vendor, and a provider.01-15-2009
20090018936FROM INDIRECT FINANCE TO DIRECT FINANCE DEBT-CLEARING SYSTEM AND METHOD - A from-IDF-to-DF debt-clearing system and method is disclosed. Internet technology is used to construct a direct-finance fund trading platform, whereby a debtor can raise a fund to clear his debts, especially the debts of credit cards and fiduciary loans. After receiving an application of a debtor, the direct-finance fund trading platform analyzes the credit condition and debt-clearing requirement of the debtor and then assigns a bridge loan to the debtor. After delivering the bridge loan, the platform enters into a fund-trading module to bid for the debtor and clears the bridge loan with the obtained fund, and the debtor pays a contribution amount to the platform periodically.01-15-2009
20090018935COMPUTERIZED METHOD, COMPUTER PROGRAM PRODUCT AND COMPUTER ENVIRONMENT - Summarizing, the present invention relates to a computerized method for processing and displaying data of a business unit comprising the steps: 01-15-2009
20120259746System and Method for the Automated Auditing and Viewing of Transaction Documents - One aspect of the invention is a method and system for auditing transaction documents that includes searching a database to identify transaction documents satisfying at least one query criteria. The transaction documents are pre-loaded in a temporary storage space, and a first transaction document is displayed to a user. A user input is received from the user. In response to receiving the user input, at least one operation is performed on the first transaction document. A second transaction document is automatically displayed to the user without further user input.10-11-2012
20120233042SYSTEM AND METHOD FOR REGISTRATION, AND SYSTEM AND METHOD FOR MANAGING ELECTRONIC REVENUE AND EXPENDITURE VOUCHERS USING THE SAME - The present invention provides a system and a method for registration, and a system and a method for managing electronic revenue and expenditure that are user-friendly and environment-friendly. The registration system comprises a host unit and a plurality of user units. The host unit comprises a database, a member platform and an identification code input device. Each of the user units comprises the identification code and a user device having a display. When the identification code input device accesses the identification code for the first time, the member platform creates an account corresponding to the identification code and sends a password through the first communication path to the user device corresponding to the identification code so that the member is able to log on to the member platform.09-13-2012
20080301013SYSTEM AND METHOD FOR EVALUATING THE FISCAL CONDITION OF COMPANIES - A system and method are provided for analyzing the fiscal condition of a company based on publicly available information to identify problematic situations. In one embodiment, the relation between two financial indicators is examined. These indicators may be, for example, the earnings-per-share of a company and the operating cash flow-per-share of the company. If record high earnings are achieved yet operating cash-flow is low or negative, the company may be in financial distress.12-04-2008
20080301014INFORMATION PROCESSING SYSTEM, INFORMATION PROCESSING METHOD, ELECTRONIC MONEY SERVICE PROVIDING SYSTEM, AND RECORDING MEDIUM - An electronic money system is provided which requires lower management and running cost, and features higher flexibility. An acquirer/brand holder managing an electronic money brand manages all keys used for authentication processing in the system, and issues the keys as necessary. The acquirer/brand holder distributes keys according to a tie-up agreement to IC card issuers, a POS center, an MMK center, and an affiliate merchant terminal unit. The POS center, the MMK center, and the affiliate merchant terminal unit are apparatuses for users to use the IC cards or for managing them. The acquirer/brand holder, however, does not distribute issued keys to cybershops which users can access by using a personal computer and a reader/writer. Instead, in this case the acquirer/brand holder saves the issued key itself, and carries out authentication processing with a predetermined IC card upon a request from the cybershop.12-04-2008
20110131118METHOD AND APPARATUS FOR PAYMENT RETRIEVAL AND REVIEW COLLECTION - A method for conducting a review including the step of detecting a payment request from a vendor; generating a review based on the payment request; and, transmitting a reference to the review to a customer, wherein the reference provides a link to retrieve the review. A system for performing the method is also described.06-02-2011
20110131116SYSTEM AND METHOD FOR CREATING FINANCIAL ASSETS - A system for creating and maintaining financial assets which accentuate different types of sub-loan level risk associated with a plurality of home mortgage loans and which are configured to operate as hedges against risks that oppose the different types of sub-loan level risk is provided. A decomposition tool is configured to decompose each of the plurality of home mortgage loans into a plurality of sub-loan level cash flows. A repackaging tool is configured to repackage the plurality of sub-loan level cash flows to form the financial assets. Repackaging includes selecting a sub-combination of the plurality of sub-loan level cash flows, packaging the sub-combination of sub-loan level cash flows to create one of the financial assets, and repeating the selecting and packaging steps to create additional financial assets. A graphical user interface is configured to display information relating to the sub-loan level cash flows and financial assets on a display.06-02-2011
20120265656METHOD FOR DISTRIBUTING ALTERNATIVELY GENERATED POWER TO A REAL ESTATE DEVELOPMENT - A method for distributing alternatively generated power to a real estate development includes subdividing the real estate development into a plurality of plots. A portion of the subdivided real estate development is dedicated to alternative energy power generation. An alternative energy power generator is provided that forms a cooperative power farm electrically coupled to a power grid. Power is at least in part generated on the dedicated portion of the subdivided real estate development. Rights to a portion of an output of the cooperative power farm are included with ownership of at least one of the plurality of plots.10-18-2012
20120265655SYSTEM AND METHOD FOR PROCESSING A TRANSACTION DOCUMENT INCLUDING ONE OR MORE FINANCIAL TRANSACTION ENTRIES - A system for processing a transaction document including one or more financial transaction entries, including a record generation subsystem having data processing means configured to a) receive or generate a complete character string characterising the financial transaction entries displayed on the document; b) analyse each complete character string to identify known transaction identifiers used in financial transactions; c) analyse each complete character string to identify transaction data strings associated with each identified transaction character string; and d) store transaction data, including the transaction character strings and associated transaction data strings, for each single financial transaction in a database.10-18-2012
20110047053METHOD AND SMART CARD FOR PROVIDING LOCATION BASED SERVICE - A method and a smart card for providing location based services are provided. The smart card connectable to a mobile terminal has a card-dedicated GPS module for receiving radio signals from one or more satellites to extract navigation data contained in the radio signals; a card-dedicated communication module for transceiving data related to the location-based services (LBS) in an interworking relationship with the mobile terminal; a card-dedicated storage module for storing map data related to the location based services and indoor map data; a card-dedicated indoor module for providing the LBS using the indoor map data; and a card-dedicated LBS platform for providing the LBS through extracting a current location of the mobile terminal using the navigation data and controlling the card-dedicated indoor module to be switched into an active state if the card-dedicated GPS module fails to receive the radio signals from the satellite.02-24-2011
20110047052Method and process for an energy management system for setting and adjusting a minimum energy reserve for a rechargeable energy storage device - An energy management system which will allow the owner to set a minimum energy reserve or charge for an energy storage device (ESD), such ESD being coupled to an asset that is further connected to the electric utility grid. A plurality of sensors may be utilized to provide data, including ESD health and ambient conditions, so that, along with other owner data inputs and profile information, an appropriate amount of energy may be charged to and maintained in the ESD to enable the associated asset to perform anticipated tasks. The energy management system may be either directly or remotely programmed via secure communications, and will further provide the owner with the ability to discharge energy back to the grid during demand events, or to discharge to other owner specified assets, at the owner's discretion.02-24-2011
20120323748METHOD AND SYSTEM FOR TRACKING COMPLIANCE OF LICENSEE ACTIVITY WITH LICENSES - Information relating to intellectual property, across one or more intellectual property applications having various types of intellectual property data, can be provided and/or accessed in an integrated manner. Commonality(ies) are determined between disparate intellectual property applications, that may be applied by the intellectual property applications in accessing the intellectual property information. Responsive to a user request, which may include a specified commonality, stored information regarding the disparate data corresponding to the disparate intellectual property applications is retrieved. The commonality is utilized in bridging the gap to the intellectual property data for the disparate intellectual property applications. The bridging is provided by use of a commonality and by an IP engine.12-20-2012
20120323747AUTOMATED CASH RECONCILIATION AND REPORTING SYSTEM AND METHOD - A system for reconciling financial data is configured to retrieve first and second financial data from respective data sources. The first and second financial data each contains one or more respective records, each containing a respective name, date, and monetary amount. The system attempts to match one of the first records with one of the second records, initially based on general equivalence of the names, dates, and the first and second monetary amounts. If any of the records remain unmatched, the system is configured to attempt to match two or more of the second records with one of the first records, utilizing the sum of the second monetary amounts, and attempt to match two or more of the first records with one of the second records based on the sum of the first monetary amounts.12-20-2012
20110238542METHOD AND APPARATUS FOR SECURE AND SMALL CREDITS FOR VERIFIABLE SERVICE PROVIDER METERING - A method and apparatus for obtaining access to services of service providers. In one embodiment, the method comprises requesting a desired service through a foreign service provider, generating a hash tree and generating a digital signature on a root value of the hash tree, sending the digital signature and the root value to the foreign service provider, providing one or more tokens to the foreign service provider with the next packet if the foreign service provider accepts the signature and continuing to use the service while the foreign service provider accepts tokens.09-29-2011
20110238541AUDIT TRAILS FOR ELECTRONIC FINANCIAL TRANSACTIONS - An exemplary method includes transmitting, via a network interface, at least a currency amount in an attempt to confirm a financial transaction; responsive to the transmitting, receiving a confirmation indicator for the financial transaction; storing at least the currency amount in non-volatile memory; hashing at least the currency amount to generate a hash and storing the hash in a secure non-volatile memory; hashing at least the currency amount stored in the non-volatile memory to generate a verification hash; and in an attempt to verify at least the financial transaction, comparing the verification hash to the hash stored in the secure non-volatile memory. Various other apparatuses, systems, methods, etc., are also disclosed.09-29-2011
20110238540FINANCIAL ACCOUNT MANAGEMENT BASED ON SPECIFIED CRITERIA - Exemplary embodiments are directed to account management including reporting financial transactions to an account holder in a transaction reporting statement and automatic payment of open account balances. Consolidating reporting criteria and/or balance management criteria can be specified to customize reporting and/or payment of purchase transactions. The consolidated reporting criteria can be applied to transactions to identify amalgamable transactions, which can be consolidated into a consolidated transaction. The balance management criteria can include scheduling criteria and payment criteria and can be applied to open account balances to facilitate payment of open account balances.09-29-2011
20110238538AGGREGATION OF CUSTOMER TRANSACTION DATA - Aggregating customer records to conduct due diligence to facilitate business transaction includes receiving a request to aggregate customer transaction records, wherein the customer transaction records are stored when a customer conducts a transaction with a selected one of a first company and a second company. A plurality of customer transaction records are determined from a first enterprise. The plurality of customer transaction records are aggregated from the first enterprise, wherein the plurality of customer transaction records comprises records associated with the first company and records associated with the second company. The aggregated customer transaction records are communicated in response to the request.09-29-2011
20120278208Transporting Currency - A method of handling currency includes receiving currency into a safe at a first location. The safe is configured to count and store currency. The method further includes receiving a withdrawal request for an amount of currency stored in the safe. In response to the withdrawal request, the safe deposits the requested amount of currency into a container, associates information with the container, seals the container, and after sealing the container, allows retrieval of the container (e.g., from the safe). The method includes retrieving the sealed container, transporting the sealed container to a second location, and receiving the sealed container in a secure deposit system at the second location.11-01-2012
20120278209MICRO-APP DYNAMIC REVENUE SHARING - In a first embodiment of the present invention, a method is provided comprising: displaying full-app content using a full-app on a first device, wherein the full-app is associated with a full-app partner and was downloaded from an app store; running a micro-app simultaneously with the full-app content playing on the first device, wherein the micro-app is associated with a micro-app partner; performing a revenue generating event on the first device; retrieving current context information; dynamically assigning a percentage of shared revenue associated with the revenue generating event to each of the app store, the full-app partner, and the micro-app partner, based upon the current context information; and causing revenue associated with the revenue generating event to be shared among the app store, the full-app partner, and the micro-app partner based on the dynamically assigned percentages.11-01-2012
20120278207Transporting Currency - A method of handling currency includes receiving currency into a safe at an origination location. The safe is configured to count and store currency. The method further includes receiving a withdrawal request for an amount of currency stored in the safe. In response to the withdrawal request, the safe deposits the requested amount of currency into a container, associates information with the container, seals the container, and after sealing the container, allows retrieval of the container (e.g., from the safe). The method includes retrieving the sealed container, transporting the sealed container to a destination location, and receiving the sealed container in a secure deposit system at the destination location.11-01-2012
20120089492SYSTEM AND METHOD FOR CREATING AND MANAGING A PERSONALIZED WEB INTERFACE FOR MONITORING LOCATION INFORMATION ON INDIVIDUALS AND OBJECTS USING TRACKING DEVICES - A personalized format webpage is generated to monitor location information. A management dashboard module is disclosed to provide a user access to location information of a tracking device associated with an object or an individual. An account services module provides menu options to the user. A wizard menu enables the user to enter billing information, identification settings of the tracking device, and coverage zones. Alert messages associated with the tracking device are generated in accordance with selected coverage zones and provided to the user.04-12-2012
20110276442System and Methods for User-Centric Mobile Device-Based Data Communications Cost Monitoring and Control - Systems and methods for providing user-centric device-based data communications cost monitoring and controls. In an embodiment, the method operates by sending a registration request associated with a subscriber session, determining current data usage associated with the subscriber, and sending data usage thresholds. The method further comprises sending quotas associated with the subscriber session after collecting data usage information associated with the subscriber session. The method receives a notification at the subscriber's mobile device when a pre-determined quota is exceeded during the subscriber session to control data usage. The system communicates with a usage policy server and a usage policy application. The usage policy application allows a subscriber to alter terms and service tiers of a subscription. The usage policy application displays current data usage information on a per-network and per-application basis using subscriber profile information, subscriber session information, and prior subscriber usage history received from the usage policy server.11-10-2011
20110276441PROCESS FOR ASSIGNING ACCOUNTING CODES - A process for assignment of accounting codes and/or sales tax provisions upon recordal of a transaction on the transaction system of a banking institution characterised in that includes the steps of communicating a pre-determined list of accounting code categories to the transactor, selection of one or more appropriate categories by the transactor, assignment of the sales tax applicable to the transaction by the transactor, forwarding a message containing the accounting code selected and the sales tax information, to the banking institution, interpretation of the received message by the transaction system, storing the information contained in the message within the transaction system, and forwarding a confirmation of the receipt to the transactor.11-10-2011
20120330797SYSTEM 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.12-27-2012
20120330796TARGET 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.12-27-2012
20120330798SYSTEMS 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.12-27-2012
20120330799SYSTEM 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).12-27-2012
20120330800SYSTEM 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.12-27-2012
20110307358Managing Consistent Interfaces for Cash Flow Expense and Receipt Explanation, Company Financials Process Control, Miscellaneous Subledger Account, and Receivables Payables Entry Business Objects Across Heterogeneous Systems - A business object model, which reflects data that is used during a given business transaction, is utilized to generate interfaces. This business object model facilitates commercial transactions by providing consistent interfaces that are suitable for use across industries, across businesses, and across different departments within a business during a business transaction. In some operations, software creates, updates, or otherwise processes information related to a cash flow expense and receipt explanation, a company financials process control, a miscellaneous subledger account, and/or a receivables payables entry business object.12-15-2011
20120290454Nonfinancial Asset Valuation And Depreciation - A new method to depreciate nonfinancial assets is presented, correcting a problem with prior-art depreciation methods that implicitly assumes a zero discount rate. How to implement the method within a financial accounting context and within ad hoc decision making contexts is disclosed. The method has particular applicability for lease accounting, a matter currently under consideration by global accounting boards.11-15-2012
20110320325INTERACTIVE ONLINE SPENDING ANALYSIS TOOL - Embodiments of the present invention are directed to interactively displaying account activity. An analysis of financial transactions associated with a financial unit can be performed by a spending analysis tool, which can display the analysis via a website. The analysis can include, for example, a spending analysis and a budget analysis. The financial transactions are associated with merchants. At least one of the financial transactions is associated with first merchant, a first merchant category, and a member of the financial unit. The spending analysis tool changes the merchant category associated with the at least one of the financial transactions to another merchant category based on a selection of a user.12-29-2011
20120101923SYSTEM AND METHOD FOR PROCESSING DATA RELATED TO MANAGEMENT OF FINANCIAL ASSETS - A computer system for management of financial data relating to funds holding investments includes a data storage device and a server configured for execution of computer-readable instructions embodied in components. The components include an expense component for accessing and verifying fund expense calculation data, and storing the verified fund expense data in a common data format; a pre-trade component for receiving data relating to fund ownership, determining and storing data indicative of fund trading requirements in the common data format; a settlement component for accessing data indicative of instructions for execution of trades, determining data indicative of instructions for payment in settlement of trades consistent with the trade instructions data and providing output data signals indicative of the instructions for payment; and an accounting component for accessing accounting ledgers stored in the data storage devices and updating the accounting ledgers.04-26-2012
20120101922Methods and Apparatus for Recording Legal Tender Decomposition of Accounting System Entries - Methods and apparatus for recording decomposition of accounting system entries are disclosed. In one embodiment, one or more processors are employed to perform recording a legal tender value of an accounting system entry and recording a legal tender decomposition of the accounting system entry.04-26-2012
20120101921MOBILE BIOLOGICAL MATERIAL ENERGY CONVERSION - The different illustrative embodiments provide a method for processing biological material. Biological material is monitored for in a field. The biological material is retrieved from the field to form retrieved biological material in response to detecting the biological material in the field. A conversion system converts the retrieved biological material into energy. A portion of the energy is directed to a remote location. The conversion system moves in the field during at least one of the monitoring, the retrieving, and the converting.04-26-2012
20120101920APPARATUS AND METHOD FOR OPERATING PUBLIC INFRASTRUCTURE 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 real property supporting public infrastructure and operating data characterizing qualifying fees collected in connection with the operation of the public infrastructure. 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 public infrastructure mater limited partnership.04-26-2012
20120101919SYSTEM AND METHOD FOR PRESENTING SUSPECT ACTIVITY WITHIN A TIMELINE - Systems and methods for presenting fraud detection information are presented. In one example, a computer system analyzes empirical data to detect potentially fraudulent activity and alerts users of the potentially fraudulent activity via a fraud detection user interface. The fraud detection user interface determines a set of user interface components to suitable to present the potentially fraudulent activity and presents facts associated with the potentially fraudulent activity to a user for further analysis and investigation.04-26-2012
20100198710Method, apparatus, and system for implementing prepaid accounting on a network - An embodiment of present invention provides a method for implementing prepaid accounting on a network. The method comprises sending, by a source Anchor data path function (DPF), an Anchor DPF relocation request carrying quota information to a target Anchor DPF; and returning, by the source Anchor DPF, an Anchor DPF relocation acknowledgement message carrying quota compensation information to the target Anchor DPF, when receiving a relocation response sent by the target Anchor DPF. The method for implementing prepaid accounting on a network according to the embodiment of present invention allows the prepaid service to be implemented on the network.08-05-2010
20100198708CURRENCY CHANGER DEVICE FOR USE WITH A POINT OF SALE TERMINAL - A currency changer device is adapted to be used with a point of sale terminal and includes a housing, a coin accepting tray carried by the housing for accepting a plurality of coins in bulk, and a bill accepter carried by the housing for accepting and sorting a plurality of bills in bulk. The currency changer device may also include a respective plurality of first and second currency changer device hardware components. The plurality of second currency changer device hardware components are identical to the respective plurality of first currency changer device hardware components. Both the first and second plurality of currency changer device hardware components include a first and a second coin sorter each in communication with the coin accepting tray, a first and a second plurality of respective coin bins in communication with the respective first and second coin sorters, and a first and a second plurality of bill cassettes in communication with the bill accepter. The currency changer device may also include a coin dispenser and a bill dispenser. The currency changer device is adapted to accept a plurality of unsorted coins in bulk and a plurality of unsorted bills in bulk for a cash transaction, and to dispense change in a cash transaction responsive to commands received from the at least one point of sale terminal.08-05-2010
20100198711METHODS FOR ADJUSTING A FEE ASSOCIATED WITH A PAYMENTS TRANSACTION - A system and method for substantially increasing billing flexibility on communications or media accounts which also offer user users the ability to make electronic purchases or other financial transactions, where those transactions are accounted for with an additional account or with the same account through which the media or communications services are offered. Charges associated with use of the communications service or making of the financial transactions may be increased or reduced depending on such factors as volume of use, number of transactions, and a monetary value of the transactions.08-05-2010
20100169194METHOD AND SYSTEM FOR FACILITATING ELECTRONIC DISPUTE RESOLUTION - A system for facilitating payment transaction disputes is provided. According to one aspect of the system, a user, such as an issuer, is allowed to use the system to resolve a disputed transaction. Based on information provided by a cardholder, the issuer is able to use the system to retrieve transactional information relating to the disputed transaction reported by the customer for review. When the issuer uses the system to retrieve information relating to the disputed transaction, a case folder is created. The case folder is a repository for storing all the relevant information and documentation relating to the disputed transaction. Using the information retrieved by the system, the issuer then determines whether to initiate a dispute. Alternatively, the system can also be used by an acquirer to respond to a dispute, usually on behalf of one of its merchant. If a dispute is responded to, a questionnaire is then created by the system. Alternatively, the issuer may decline to initiate a dispute and either seek additional information from the cardholder or deny the cardholder's inquiry. The case folder and the questionnaire are created for a specific disputed transaction. The questionnaire is designed to capture information from the cardholder and/or the issuer relating to the disputed transaction. The questionnaire may be pre-populated with previously retrieved transactional information which is stored in the case folder. Relevant documents in support of the disputed transaction may also be attached as part of the questionnaire. Various parties to the dispute may then provide relevant information (including supporting documentation) to the system. The relevant information provided by the parties is maintained in the case folder. The system then keeps track of the relevant timeframes for the case folder to ensure that each party to the dispute is given the correct period of time to respond during the processing of a dispute. Prior to filing the dispute for arbitration or compliance, the system permits the parties to resolve the dispute amongst themselves without the help of an arbiter through pre-arbitration and pre-compliance. If the parties to the dispute are unable to resolve the dispute on their own, the system also permits the parties to resolve the dispute via arbitration or compliance with the help of an arbiter. The system provides the arbiter with access to the case folder to allow the arbiter to render an informed decision on the dispute.07-01-2010
20130013468Generating Financial Reports - In some embodiments, a method for generating financial reports, includes selecting a first request from a plurality of pending requests. The first request requests a report on information regarding one or more accounts with a financial institution. The first request is separated into a plurality of content requests. The plurality of content requests represent requests for information to be incorporated into the requested report. A plurality of subreports are received in response to each of the plurality of content requests. The requested report is generated in response to the first request by binding each of the plurality of subreports.01-10-2013
20110161214ENTERPRISE MANAGEMENT APPLICATION PROVIDING AVAILABILITY CONTROL CHECKS ON REVENUE BUDGETS - A budgetary control system limits revenue generating transactions that may be entered in an enterprise management system. When a new revenue posting is proposed to the system, various AVC rules are evaluated. The evaluation compares the revenue posting against predetermined budgetary limits. The AVC rules may address various nodes within a revenue postings data structure and within a revenue budget data structure and they may define a test relationship that must be maintained between them. If proposed revenue posting would violate the test relationship of an AVC rule, then the revenue posting may be rejected from the system depending upon the contents of a response field in the AVC rule. Some AVC rules mandate that a violation cause the proposed transaction to be blocked while others may generate a warning notification within the system but admit the new transaction despite the violation.06-30-2011
20110161213MULTIMEDIA SEARCH ENGINE - Described herein is a search engine that can include a receiver component that receives a query from a user that pertains to a multimedia item and an output component that outputs multiple choices for receiving an instance of the multimedia item to a user. The multiple choices may include a first choice for receiving a first instance of the multimedia item for no charge, wherein the first instance of the multimedia item includes a digital rights management restriction. The multiple choices may also include a second choice for receiving a second instance of the multimedia item for a fee, wherein the second instance of the multimedia item is free of digital rights management restrictions. The search engine can further include a transmitter component that transmits one of the first multimedia item or the second multimedia item to the user.06-30-2011
20110161211Real-Time Settling of Payment for Logistics Company - A method and a system provide real-time payment fund settlement of a logistics company using a third-party payment platform, which signs a withholding agreement with the logistics company and a logistics agency and establishes separate payment accounts for the logistics company and the logistics agency. The logistics company sends a withholding instruction to the third-party payment platform upon receiving signature information and goods information sent by the courier after the buyer has made a payment and signed for the acceptance of the goods. After receiving the withholding instruction, the third-party payment platform verifies the withholding instruction based on the withholding agreement, and transfers a fund from the payment account of the logistics agency to the payment account of the logistics company. The disclosed method and system can greatly increase the speed of fund transfer and fund settlement between the logistics company and the logistics agency.06-30-2011
20110161210SYSTEM AND METHOD FOR PROVIDING TECHNICAL SUPPORT - A computer-implemented method, computer program product, and computing system for receiving a technical support inquiry from a third party concerning a technical issue associated with a multi-component product including a plurality of technical components. The technical components are produced by a plurality of entities. The technical issue is associated with one or more of the plurality of entities, thus defining one or more identified entities.06-30-2011
20130024332DIFFERENTIAL ONLINE CHARGING FOR TEXT MESSAGES BASED ON NETWORK TYPE - Systems and methods are disclosed for performing online charging for text messages. One embodiment comprises a system that handles a Mobile Originated (MO) text message. The system receives a send request for the MO text message, and generates an online credit request for the MO text message. The system determines a type of originating network for the MO text message, and inserts an indicator of the originating network type in the online credit request. The system may also determine a type of terminating network for the MO text message, and insert an indicator of the terminating network type in the online credit request. The system then transmits the online credit request to an online charging system to charge for the MO text message.01-24-2013
20130024333Systems and Methods for Weather-Based Estimation, Auditing, and Exception Reporting - Weather information from one or a variety of locations is used to estimate costs for providing weather-dependent work, to audit weather-dependent work allegedly performed, and to improve billing and provide exception reporting for unbilled weather-dependent work such as snow removal and landscaping. A variety of stand-alone and networked computer systems, sensors, weather information sources, and historical data are used to provide such functions. To estimate costs to perform weather-dependent work at a first location, a weather information source providing weather information relating to a second location estimated to have weather similar to weather occurring at the first location is located, and a correlation is made between the weather information and a history of weather-dependent work at the first location to generate an estimated need for future weather-dependent work at the first location. Current weather information is used to perform auditing of invoiced work and to perform exception reporting.01-24-2013
20130173438Computer-Implemented Profitability Optimization Process - The present invention relates to a method for rigorous decomposition of a business entity's income statement into a multi-dimensional profitability model and a subsequent dissemination of granular profitability information to all levels of the organization. By decomposing the business's income statement into fully-loaded components and assigning employees to be accountable for each subdivision, the process enables precise profitability optimizing tactics to be originated and implemented at every level of the organization. As a benefit, the business entity typically experiences a dramatic improvements in profitability.07-04-2013
20080255970Method, system,apparatus or device for providing reconciled bookkeeping or accounting electronically - A method for providing bookkeeping or accounting electronically. More particularly, this invention relates to a system or method for creating a reconciled set of electronic books by firstly introducing and integrating an accounting classification code or codes into the transaction data routinely captured by financial institutions at the time of the financial transaction to form a data aggregate on the financial institution server; the access by and transfer to the server of a person, business or entity, or a service provider authorised by the person, business or entity, of those data aggregates; the processing of that data into a form or state compatible with the operating requirements of a bookkeeping or accounting program used to prepare the financial records of the person, business or entity and the transfer of the processed data into the program ledger, journal or cash book to produce a set of electronic books for a period.10-16-2008
20080249903LONGEVITY AND MORTALITY INDICES AND ASSOCIATED TRADABLE FINANCIAL PRODUCTS - The document describes creation of one or more families of longevity and mortality indices, some or all of which may be tradable. In addition, this document describes tradable derivatives and other financial products whose value or payment obligations may be tied in some manner to one or more of the created longevity and mortality indices.10-09-2008
20080235118Debt Monitoring System - A debt monitoring system for use by suppliers of a service such as child care centers which provide child care services to a number of users, the child care centres being provided with a computer having data recording means for recording data of each user of the service provided by that child care centre, the data including debt and payment records of the users and central data recording means which can upload the user data from the computer of each child care centre and analyse the data to determine users who default in payment to the child care centre. The debt monitoring system can also be applied to other suppliers of goods and/or services to a plurality of purchasers.09-25-2008
20080228608Order accounting system and order accounting method - To provide an order accounting system capable of swiftly performing accounting processing, and of allowing to understand an account state in real time, in the order accounting system, an order input terminal requests an ordering control device to send unsettled data which is account data for which account has not been settled and receives the unsettled data, performs accounting processing based on the unsettled data, and sends, after the accounting processing is performed, the account identification information included in the unsettled data to the ordering control device as settled account identification information. The ordering control device receives the settled account identification information to update the account data which is stored in the account data storage part and which corresponds to the settled account identification information by setting the account data to a settled state, detects, in response to a request for unsettled data from the order input terminal, the unsettled data from the account data storage part, and sends the detected unsettled data to the order input terminal.09-18-2008
20080228607Resolution of virtual world revocable transfers - A method and system provides transactions and arrangements in virtual world environments. A user can participate in transactions to acquire virtual property and related virtual rights. In some implementations, real-world and virtual parties can be involved in a possible future transfer or related transfer revocation or related transfer modification involving various types of virtual objects and virtual rights.09-18-2008
20080228606Determining commercial share of wallet - Commercial size of spending wallet (“SoSW”) is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet (“SoW”) is the portion of the spending wallet that is captured by a particular financial company. Commercial SoW is a modeling approach that utilizes various data sources to provide outputs that describe a company's spend capacity. These outputs can be appended to data profiles of customers and prospects and can be utilized to support decisions involving prospecting, new account evaluation, and customer management across the lifecycle. Company financial statements are utilized to identify and calculate total business spend of a company that could be transacted using a commercial credit card. A spend-like regression model may then be developed to estimate annual commercial SoSW value for customers and prospects within a credit network.09-18-2008
20080228605Computer System and Method for Pricing Financial and Insurance Risks with Historically- Known or Computer-Generated Probability Distributions - The invention is a computer-implemented system and method, and a computer-readable medium for use with computer means, that enables portfolio managers to price, on a risk-adjusted basis, any traded or underwritten risk vehicle in finance and insurance that has a historically known or computer-generated probability distribution. More importantly, the invention provides a universal approach to pricing assets and liabilities traded on an exchange or over-the-counter market underwritten for direct risk-transfer, even if those assets and liabilities are grouped or segregated, or whose prospective outcomes may alternate between positive or negative values.09-18-2008
20110246340METHOD AND SYSTEM FOR COLLABORATIVE EXECUTION OF BUSINESS PROCESSES - A computer-implemented method and system are provided for collaborative execution of business processes shared by entities and outsourced business partners providing products or services to the entities. A single software service is provided with common business process rules, a common business information schema, and a single directory of shared workspaces for registered users of all entities and outsourced partners on a publicly available server computer. The software service is managed by a third party. The users operate client devices communicating with the server computer over a global communications network to access the service. The service enables users to create collaboration workspaces. Each of the collaboration workspaces is identified in the single directory and accessible by a team of users associated with an entity and one or more outsourced business partners for one or more business processes shared by the entity and the one or more outsourced business partners. Each collaboration workspace provides a common operational view of the one or more shared business processes to the team of users to facilitate execution of the one or more shared business processes. The service facilitates interaction and sharing of information relating to one or more shared business processes among a team of users through each collaboration workspace. The service connects users to business processes by enabling users to identify and grant access rights to additional users to access a collaboration workspace.10-06-2011
20110246339Generating Financial Report Information - In some embodiments, a method for generating financial report information comprises receiving customer information associated with an account portfolio from a customer information database. The account portfolio comprises one or more customer accounts. A change in value for each of the one or more customer accounts is determined over a defined period. The one or more transactions represent asset activity associated with one or more customer accounts. One or more account rates of return are determined for each of the one or more customer accounts over the defined period. A portfolio rate of return is determined for the customer's account portfolio over the defined period. The portfolio rate of return and the one or more account rates of return are communicated to a reporting system.10-06-2011
20110264567Systems and Methods to Provide Data Services - In one aspect, a computing apparatus includes: a transaction handler configured to process transactions; a data warehouse configured to store meta data and first data including transaction data recording the transactions and information generated based on the transaction data; an intranet coupled between the data warehouse and the transaction handler; an input engine coupled between the intranet and a plurality of data sources outside the intranet, where the input engine is controlled by the meta data to access the data sources to provide second data; and a broker engine coupled between the intranet and a plurality of data consuming devices outside the intranet, where the broker engine is controlled by the meta data to control access of the data consuming devices to the first data and the second data.10-27-2011
20110264565FINANCIAL COMPUTER SYSTEM THAT DETERMINES AND REPORTS TRANSACTIONS IMPACTED BY ORGANIZATIONAL CHANGES - A financial computer system in response to receiving a business object to be changed, a change type, and a effective date of the change, identifies all first transactions directly associated with the business object and identifies all second transactions not directly associated with the business object but that may be posted to the business object in the future. The system then displays the first transactions and the second transactions in a user interface.10-27-2011
20080222013IN-LANE MONEY TRANSFER SYSTEMS AND METHODS - The present invention provides systems and methods to initiate, facilitate, process and/or perform money transfers. One such method includes receiving a request for a transfer pair verification from a vendor location (09-11-2008
20130179312Methods and Systems for Controlling Costs Associated with a Third-Party Vendor of a Network Provider - An exemplary method includes a cost control system 1) acquiring estimated cost data from an estimated cost management system, 2) acquiring quoted cost data from an order management system independent of the estimated cost management system, 3) acquiring invoiced cost data from an invoice management system independent of the estimated cost management system and the order management system, 4) aggregating the estimated cost data, the quoted cost data, and the invoiced cost data in accordance with a data aggregation heuristic, and 5) automatically identifying one or more billing issues associated with a third-party vendor of a network provider based on the aggregated cost data.07-11-2013
20130179313System and Method for Converting and Presenting Financial Information - A system for converting and presenting financial information from at least one accounting and reporting standard to another accounting and reporting standard comprising an access control means to verify credentials of a user logging in to get access of the system, an input source for feeding in transaction details and calculating account head-wise trial balance; an extraction layer for fetching the head-wise trial balance from the input sources; a financial data management module (FDM) for validating and mapping account head-wise trial balance received from the input sources; an ETI block for fetching and populating account head-wise trial balance and populating the same into a database through an interface table; the interface table for converting head-wise trial balance and fetching other transaction details together known as financial information, for conversion purpose.07-11-2013
20130173437Liquidity Assessment System - In some embodiments, a liquidity assessment system comprises a memory and a processor communicatively coupled to the memory. The memory is operable to store financial environment data, financial liquidity data for a financial enterprise, and financial scenario data. The processor is configured to generate a scenario financial environment by applying the financial scenario data to the financial environment data, determine scenario liquidity positions for each financial entity within a financial enterprise, and compare the scenario liquidity positions with liquidity requirements of jurisdictions governing the financial entities.07-04-2013
20130173436Transparent Transaction Certification for Accountable Entities - An accountability provider configured to receive transparency data from an accountable entity is described herein. At least a part of the transparency data refers to a transaction associated with a transaction participant of the accountable entity. The accountability provider is further configured to enable the transaction participant to certify the transaction and, responsive to certifying the transaction, lock the transaction to inhibit individuals associated with the accountable entity from modifying the at least the part of the transparency data.07-04-2013
20120253997Method for multi-dimensional accounting of business transactions and system therefor - The present disclosure introduces a computer implemented method and system for business transaction properties registration represented by an event data sheet of the multidimensional data model. The usage of multidimensional data processing tools, such as OLAP, allows one to produce reports corresponding to the requirements of traditional accounting reports quickly and with minimum costs. Examples of such reports are as follows: balance sheet, profit and loss statement, and many others. It allows one to perform all the accounting functions, simplify the execution thereof, enhance them, and significantly increase the capabilities of accounting data analysis.10-04-2012
20080215466METHODS AND APPARATUS FOR MAKING AND KEEPING RECORDS - A recordkeeping system according to various aspects of the present invention includes a recording system and an activation system. The recording system is configured to create a record of a deal session when activated. The activation system is connected to the recording system, and is configured to automatically activate the recording system upon initiation of the deal session and deactivate the recording system upon termination of the deal session. In one embodiment, the recording system includes one or more cameras and a network video recorder, and the activation system comprises a computer terminal. The computer terminal and one of the cameras are co-located. When the user initiates a deal on the computer system, the computer system may automatically activate the camera to record the deal session. When the deal is terminated, the computer may deactivate the camera, and the resulting video record may be stored.09-04-2008
20110270720Bank balance funds check and negative balance controls for enterprise resource planning systems - A computer implemented method and system for providing automated controls for enterprise resource planning systems comprising a bank balance funds check control and a negative balance control. The bank balance funds check control checks the existing bank balance funds available, and validates a financial transaction on detecting adequate bank balance funds available, or prevents the validation of the financial transaction on detecting inadequate bank balance funds available, thereby preventing negative funds resulting out of outgoing payment, by way of restriction on the standard functionality of bank funds available fluctuating between positive and negative amounts. The negative balance control accepts and processes incoming positive and negative receipts, and manages the situation arising there out of, irrespective of availability of adequate bank balance funds available, resulting in negative bank funds or increase in the existing negative bank funds available, by way of context-sensitive exceptions to the restriction.11-03-2011
20130103553METHOD FOR ESTIMATING FLOWS BETWEEN ECONOMIC ENTITIES - In economic networks, it is not currently possible to observe all flows between entities. Only a portion of relationships between firms is known publicly, and only a portion of those relationships is assigned values through reporting requirements by the regulating public institutions. Therefore, obtaining a plurality of documents that describe companies and their known connections through public sources will necessarily result in an incomplete matrix of customer-supplier relationships containing some mixture of known relationships with known values, known relationships with unknown values, and unknown relationships with unknown values. A method and system is presented to obtain a best estimate of all unknown values given the known information in the network, including an amount that is assigned to unknown entities to be discovered later.04-25-2013
20130103555SYSTEM AND METHOD FOR BUSINESS VERIFICATION USING THE DATA UNIVERSAL NUMBERING SYSTEM - 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.04-25-2013
20130103554BANKING SYSTEM - The present subject matter relates to a banking system, which includes a parsing module to parse a number of positions corresponding to at least one registered entity. A position processing module is configured to categorize each of the positions into a set of payables and receivables based on a credit or debit nature of each of the positions. A display module is configured to provide an integrated view to display the set of payables and receivables.04-25-2013
20130132243HANDLING INVOICE BASED SERVICES - Various embodiments of systems and methods for handling invoice based services are described herein. In one aspect, the method executed by the one or more computers in a network of computers includes receiving an invoice service message related to a business process, analyzing the invoice service message, based upon the analysis, identifying a business-specific implementation, from one or more business-specific implementations, for processing the invoice service message, and executing the business-specific implementation to process the invoice service message. The automatic identification of the business-specific implementation for processing the invoice service message relieves a business partner from specifying an application-specific interface for processing the invoice service message.05-23-2013
20130132242Method for Providing Bookkeeping Service - A method for providing bookkeeping service is disclosed. The method, facilitated by a bookkeeping server, addresses some security concerns arisen from using remote bookkeepers using techniques comprising: secure client sessions, work item distribution, organization information concealment, encryption using organization specific private keys, concealment of passwords, and distributed storage. Also, an image capturing system is disclosed. The image capturing system facilitates the process of capturing images of financial transactions for remote bookkeeping. It comprises a low-cost device that provides illumination and facilitates image processing working along with a smart phone.05-23-2013
20130144767SYSTEM, METHOD, AND PROGRAM PRODUCT FOR UNIT TRANSFER FEE PROCESSING - A method, system and program product, the method comprising: accessing Transfer Fee data to be paid to a third party that is not the borrower or the lender of a security for a right to loan one or more units of the security; accessing loan data on a loan of units of the security, calculating an amount of a Transfer Fee for the right to loan the security; generating data for debiting an account or sending a bill for the Transfer Fee; sending or having sent data on revenue from one or more of the Transfer Fees to be paid to an issuer of the security; updating the database with data on the Transfer Fee.06-06-2013
20100280927PRE-AUTHORIZATION OF A TRANSACTION USING PREDICTIVE MODELING - Systems, apparatus, and methods are provided for efficiently authorizing a transaction initiated by a consumer. An authorization can be generated before the consumer actually initiates the transaction. For example, a future transaction can be predicted, and an authorization can be generated for the predicted transaction. In this manner, the authorization can be ready and quickly used when the consumer does initiate the transaction. Previous transactions made by the consumer can be used to predict when the future transaction is likely. In various examples, the authorization can be sent to a specific merchant or to the consumer for use when the consumer initiates the predicted transaction, or saved by an authorization server for use in response to an authorization request from the merchant.11-04-2010
20100287075Configuring Computer Systems with Business Configuration Information - A configuration server includes a configuration repository that stores a wide range of configuration information for possible use by application programs. The configuration repository may include configuration parameters, settings for the parameters, and meta-data of definitions and descriptions of the parameters. Configuration information is selected from the configuration repository and stored in a configuration directory for later use by application programs at runtime. The configuration information is accessed from the configuration directory when needed by an application program or a component thereof.11-11-2010
20130151383RECOMMENDER ENGINE FOR COLLECTIONS TREATMENT SELECTION - A system for automatically recommending treatments for delinquent accounts in collections is provided. The system includes one or more sub-models for analyzing and scoring delinquent accounts and comparing them to historical accounts to identify similar historical accounts. The system can select and recommend one or more treatments for the delinquent account based on treatments for the historical accounts that may have previously provided a favorable outcome for a similar account. The system may test the efficacy of new treatments and incorporate the results into the memory, thereby learning and adapting to new treatments and account behavior.06-13-2013
20130151384PAYMENT ENTITY DEVICE RECONCILIATION FOR MULTIPLE PAYMENT METHODS - A method begins by storing payment request data, which, for a client, includes a payables profile and an accounts payable data file. The method continues by receiving payment remittance information subsequent to initiation of a payment in accordance with the payment request data. The method continues by storing the payment remittance information. The method continues by consolidating the payment remittance information and the payment request data to produce consolidated payment data. The method continues by generating at least one report based on the consolidated payment data.06-13-2013
20120278210Automated Stock Donation System - A computer system is provided for donating securities to an organization. The method of carrying out the donation process comprises the steps of (a) receiving transaction authorization from a donor, (b) generating a securities management account for an organization, wherein said account comprises information for accessing the organization's financial institution, (c) receiving authorization from a donor to donate securities to said organization, wherein said authorization comprises quantity of a particular security and donor's financial institution information, (d) communicating with donor's financial institution, (e) receiving securities from donor's financial institution; and (f) liquidating said securities on a securities market. The system can comprise one or more processors arranged to carry out the steps. Also, the system can comprise one or more computer-readable mediums encoded with executable code for carrying out the steps.11-01-2012
20130132244SYSTEMS AND METHODS ALLOWING MULTI-FAMILY PROPERTY OWNERS TO CONSOLIDATE RETAIL ELECTRIC PROVIDER CHARGES WITH LANDLORD PROVIDED UTILITIES AND SERVICES - Systems and methods for allowing landlords to combine information from a retail electric provider into landlord billed utilities and items, are described herein. In one aspect, residency information for a unit associated with a resident is received. Resource consumption or usage information associated with the unit is received from one retail electric provider. A consolidated data set is generated based on the resource consumption or usage information for the unit from both the retail electric provider and landlord provided services such as rent, water, trash and sewer. Under this process, a resident may choose to have the electric account remain in the landlord's name and then be billed for such retail electric charges on the same bill as the landlord provided utilities and services. In some implementations, the community will collect funds for the utility bills from each resident and will use such funds to pay the utility provider directly.05-23-2013
20100299234ACCOUNTS PAYABLE PROCESS - Techniques for performing an accounts payable process may include receiving transaction data including at least one of invoice data, purchase order data, and vendor data; and verifying a transaction by matching a dynamic data set of client-specified multi-dimensional criteria to the transaction data. An accounts payable system may include a host system in communication with one or more client systems. The host system may include a matching database configured to receive an accounts payable file including at least one of invoice data, purchase order data, and vendor data; and verify a transaction by matching a dynamic data set of client-specified multi-dimensional records to attributes of the accounts payable file.11-25-2010
20100299229CAPABILITIES AND OPTIONS FOR DISTRIBUTING FUNCTIONALITY IN AN ENTERPRISE RESOURCE PLANNING SYSTEM LANDSCAPE - A system and method for distributing computing operations across multiple systems in an enterprise resource planning system is provided. In an embodiment, notifications are used to exchange information updates between the systems. In an embodiment, notifications containing financial data are sent to an accounting system. The accounting system may extract the financial data from the notification, use accounting logic in the accounting system to associate the financial data with a general ledger account maintained by the accounting system, and post an accounting entry in a financial document to properly credit and/or debit the account.11-25-2010
20120259747METHOD AND APPARATUS FOR CONTROLLING SERVICE TRAFFIC IN A COMMUNICATION NETWORK - A method and corresponding apparatus for controlling service traffic in a communication network comprising in an online charging system performing the steps of receiving a request for service traffic control, the request including at least data identifying a first communication network account; determining, based on the received data and a predefined set of rules, a first network traffic policy profile associated with the first account; transmitting to a Policy and Charging Rules Function PCRF a first policy control command including an identifier identifying the first network traffic policy profile stored in an network traffic policy profile entity, to be applied in controlling the service.10-11-2012
20090006226Stock analyzing engine - A computer implemented system and method for providing intuitive graphs depicting stock market performance over a computer network, the system comprising: at least one database maintaining separately stored fundamental data for each publicly traded company, a server computer communicatively coupled to the database and accessible via client computers to a plurality of users, a user's graphical interface from which the user enters a request to and receives a response from the server computer, and a processor for processing the user's request and delivering the response to the user. The fundamental data for each publicly traded company is calculated, stored and expressed in daily, weekly, monthly, quarterly and annual incremental periods as required by the user. The response includes graphs depicting interrelated progression of stock movement and primary and secondary corporate operating fundamentals and performance statistics.01-01-2009
20130138541METHODS AND SYSTEMS FOR MANAGING GOVERNMENT ISSUED ENTITLEMENTS - A method for designating accounts for funds from a check to be deposited is described. The method includes receiving, at a processing center having a processor, a direct deposit government entitlement check from a government entity to be deposited. The check may include an identifier. The method further includes comparing the identifier with a customer database to determine that funds from the check have been designated to be divided into sub-amounts and deposited into a plurality of accounts. Each of the plurality of accounts has account type and an associated expenditure designation. The method then receives a report of a total amount deposited from the check for each type of associated expenditure designation and each account type.05-30-2013
20130138540PROJECT MANAGEMENT - In various embodiments, apparatus, systems, computer-readable media (including non-transitory computer-readable media) and methods for managing a project are provided. In various embodiments, data indicating a first contractual obligation of a first entity to a second entity may be stored in computer-readable memory, e.g., by an application server. The application server may receive, from a third entity, an electronic communication including a second contractual obligation to the third entity. The application server may also receive, from the second entity, an electronic communication including an indication that the second entity has approved the second contractual obligation and/or taken no exception to having the first contractual obligation to the second entity reduced by an amount proportional to the obligation. The application server may then store data indicating a third contractual obligation by the first entity to the third entity for an amount equal to the second contractual obligation.05-30-2013
20100318448Charging method and network system thereof, packet data network gateway and charging system thereof - A charging process method, relating to communication network, is disclosed according to embodiments of the present invention. The method includes receiving a charging request containing a type of a second method when the method for a user equipment to access a packet data network gateway has been changed from a first method to the second method; performing, based on the charging request, charging control over the used service units in a charging mode corresponding to the first method for the user equipment to access the packet data network gateway and reserving service units for the charging session for the second method based on a charging mode corresponding to the second method for the user equipment to access the packet data network gateway. A network system, a packet data network gateway and a charging system are provided according to embodiments of the present invention accordingly. Embodiments of the present invention can be applicable to a charging process in a situation when the method for a user equipment to access the packet data network gateway changes.12-16-2010
20100318447PRE-FUNDED SETTLEMENT - A system and method for advancing cash to merchants participating in a consumer card-based payment network. The system/method provides low cost working capital to merchants by aggregating lending offers from perspective lenders with borrowing applications from merchants to match the supply of capital with the demand for loans whereby an effective interest rate can be determined. The risk profile associated with a particular merchant, as well as the loan amount and duration, can also be considered when determining the effective interest rate.12-16-2010
20100318445Security issuer rights management process (SIRMP) and internet-based network for carrying out the same - An Internet-based method and system which inherently recognizes the separable, withholdable, and transferable rights associated with issuing equity, debt, and/or hybrid securities, thereby enabling the maximization of economic value that such property can support within a society. According to the method and system, the security rights that issuers of equity, debt and hybrid securities possess prior to structuring and issuance are unbundled (i.e. individually recognized and separated), allowing a security issuer to withhold from issuance, and retain, the ability to lend its security/securities or, to restructure and reissue its security/securities, and retain, the ability to lend its security/securities, in order to preclude, or to control and manage, short-selling of its securities. Currently, there is no mechanism by which companies, governments, or other entities can preclude or control short-selling once they issue securities.12-16-2010
20130159148SYSTEM AND METHOD FOR AN ONLINE PROFIT CENTER AND SEGMENT DERIVATION - A system and method are described herein that provide a system for deriving profit centers and segments during reporting instead of during posting. Reference objects are stored in posted documents and the derivation of the profit center and segment occurs dependently during the later stage of reporting, after the general ledger items have been extracted. A time dependent assignment of profit centers to reference objects is immediately visible in the balance sheet and/or income statement. The system and method further allow for an easy implementation for reorganization, where reorganization may even be implemented retroactively.06-20-2013
20130159150MOBILE DEVICE DATA METERING, BANDWIDTH ALLOCATION, AND TRAFFIC CONTROL - A device receives data usage information associated with application server devices and user equipment, and determines time-based prices for data usage based on the data usage information. The time-based prices include at least a first price for data usage during a peak time period, and a second price, less than the first price, for data usage during a non-peak time period. The device also provides the time-based prices for data usage to the application server devices, and the application server devices provide data to the user equipment at different time-based prices depending on a time when the data is provided to the user equipment.06-20-2013
20130159152Systems and Methods for Administering Deposit Accounts - Disclosed are systems, methods and computer program products for managing deposit accounts. A computer-based account management system allocates depositor funds among a plurality of FDIC-insured deposit accounts held in a plurality of deposit institutions, such as savings banks. The deposit accounts are preferably non-interest-bearing transaction accounts typically used for payroll and other operating expenses. The account management system establishes a deposit limit for each deposit institution to ensure that an individual's deposits at any deposit institution remains below the FDIC insurance limit. The system also stabilizes the deposit base by facilitating movement of funds to and from participating deposit institutions. The system automatically reconciles all balances and account activity on a daily basis and performs an automated daily allocation process to allocate deposits among the participating deposit institutions. The allocation process is performed in an unbiased manner using an equal, random, pro rata or first-come, first-served allocation.06-20-2013
20130185179SYSTEMS AND METHODS FOR DEPOSIT PREDICTIONS BASED UPON TEMPLATE MATCHING - Systems and methods may be provided for deposit prediction based upon template matching. The system and methods may include receiving deposit information associated with a plurality of deposits for a deposit account of a financial institution customer, where the deposit information includes a plurality of deposit amounts, and a respective date associated with each of the plurality deposit amounts; identifying, based upon the received deposit information, one or more deposit patterns by applying one or more template patterns to the deposit information and determining that one or more of the applied template patterns match at least a portion of the deposit information; and generating an indication of the identified one or more deposit patterns.07-18-2013
20130185177Method for Calculation of Construction Notice, Lien, and Bond Claim Deadlines Through Widget, Mobile Application and Web Application with Minimal Project Information - This invention calculates construction notice, lien and bond claim deadlines specific to the user's project from inputting just 5 pieces of data: (1) the project's state; (2) the project's type; (3) the user's role in the project; (4) the role in the project of the party who hired the user; and (5) applicable “trigger dates” as follows: The State, User Role, Hired-by Role and Project type is selected by the user; the invention displays potentially applicable dates as pulled from database; the user inputs known dates; the invention retrieves deadline calculation/date counting logic and applies to information submitted; the deadline is displayed.07-18-2013
20130185178SOURCE DOCUMENT FRAMEWORK FOR ACCOUNTING SYSTEMS - A source document framework for accounting systems is described. An apparatus may comprise an accounting application arranged for execution by the processor circuit, the ERP application comprising a source document framework component arranged to create a new source document type to add to heterogeneous source document types, and a source document process component arranged to process source documents of the heterogeneous source document types, with at least one of the heterogeneous source document types including a previous source document type arranged for use with process logic specific to the previous source document type, and process one or more source documents of the new source document type with the process logic specific to the previous source document type. Other embodiments are described and claimed.07-18-2013
20090089190SYSTEMS AND METHODS FOR MONITORING FINANCIAL ACTIVITIES OF CONSUMERS - Systems and methods are disclosed for monitoring consumer financial data. Clients such as financial institutions or debt buyers identify one or more consumers for which monitoring is desired. Historical financial data, such as credit data, is periodically compared with current financial data according to a number of logical rules or financial triggers. The financial triggers correspond to improvements in a financial position of a consumer. When a financial improvement is determined according to the logical rules, an alert is generated and sent to the client, allowing the client to adjust a collection strategy.04-02-2009
20110302064System & Method for Introducing Digital Assets Into An Electronic Distribution System - Digital media assets are introduced within an electronic network distribution system. A computer coupled to the electronic network distribution system includes one or more software routines that receive/store the digital assets; process administration information including an asset identifier and a rights-holder identifier; and interact with a digital asset management system to generate a modified version of the digital assets based on the administration information and tracking history information. The digital asset is configured so that a tracking history can be maintained for each transfer of separate instantiations of the digital asset.12-08-2011
20110313900Systems and Methods to Predict Potential Attrition of Consumer Payment Account - Systems and methods are provided to generate a tool to predict voluntary account attrition in a payment processing system. In one aspect, a computing apparatus includes: a data warehouse configured to store transaction data of accounts issued by a plurality of issuers; and at least one processor configured to calculate values of a first plurality of variables for each of the accounts using the transaction data of the accounts issued by the plurality of issuers. The accounts include attrition accounts and non-attrition accounts. The at least one processor is further configured to identify a second plurality of variables from the first plurality of variables for a predictive model to distinguish, using the values and logistic regression, the attrition accounts from the non-attrition accounts.12-22-2011
20110313899Method of Governing Content Presentation - A method of governing content presentation includes creating a variable computer-readable document file that includes primarily textual content. A delimiter is inserted at a predetermined position of the textual portion, defining delimited content. A viewer accesses the document file and consumes the associated content. A number of predetermined actions and/or events occurring while consuming content is tracked. An integrated device includes a storage medium, a microprocessor device, and an electronic display device. The storage medium includes instructions that can be implemented by the microprocessor device to cause a document to be displayed on the electronic display device according to the described method.12-22-2011
20110313898SYSTEMS AND METHODS FOR FACITIATING CARD VERIFICATION OVER A NETWORK - A system and method for facilitating electronic commerce over a network, according to one or more embodiments, includes communicating with a user via a user device and an issuer of payment media via an issuer device over the network, the payment media being issued to the user by the issuer, receiving user instruction over the network to link the payment media to a user account related to the user, prompting the user over the network to input a secure password known only by the issuer and the user, receiving the secure password from the user over the network, verifying that the payment media is owned by the user over the network via a secure protocol, returning a response to the user related to verification of the payment media, and storing payment media verification information.12-22-2011
20110313897PAY GROUP - In one embodiment, a group account is provided to enable group members to make and receive payments, form different groups, easily track activities within a group, and manage group financial-based transactions. An administrator, who may also be a group member, creates a group through a payment provider service. The administrator invites individuals to be part of the group. Once the group is formed through individuals who accept the invitation, group members will be able to view information about the group as well as engage in financial transactions through and within the group using a group account.12-22-2011
20110313896METHODS AND APPARATUS FOR MONITORING SOFTWARE AS A SERVICE APPLICATIONS - Methods and apparatus are provided for monitoring usage of a Software As A Service (SAAS) application for post-processing of scanned data generated by a client device (e.g., MFPs). A management system receives a pricing model for an SAAS application, where the pricing model includes a post-post processing feature of the SAAS application available to a user of the client device. The pricing model also includes information identifying a price for use of the post-processing feature. Information is received by the management system regarding use of the post-processing feature by the user, and a revenue report is generated regarding the post-processing feature.12-22-2011
20110313895METHOD FOR REFERRAL-BASED FINANCIAL TRANSACTION PROCESSING - A method for discounting costs of credit card processing for merchant participants is disclosed. A first account is associated with a first one of the merchant participants, and a unique referral identifier may be assigned thereto. A request to process one or more credit card transactions on behalf of the second one of the merchant participants is transmitted along with the referral identifier. The credit card transactions have a cost differential, from which a first fee reimbursement value is derived. The first account is credited based upon the first fee reimbursement value.12-22-2011
20130191254ACCOUNT DATA DISPLAY USING AN INDUCTIVE SIGNAL INTERFACE - Illustrated is a system and method for an inductive signal interface used inductively receive electrical power and account data from a mobile computing device, the account data to include an account limit and an account balance. The system and method may also include a battery to store the electrical power. The system and method to use a processor to be powered by the battery and to identify an indication value, the indication value as a difference between the account limit and account balance. The system and method may also use a balance display to display the indication value as a remainder indication.07-25-2013
20130191255Method for Purchasing or Generating Construction Liens and Notice Documents from Calculated Deadlines and Smart Recognition of Deadline Satisfaction Via a Communication Network - This invention provides a Method and System for Ordering Mechanic's Lien and Notice Documents over the internet, mobile applications, or mobile communications network utilizing database records managed by a backend Product Input System that relates products/services to states, user role, hired-by role, and project type. The invention calculates Notice and Lien requirements, determines the applicable related products, and suggests those products to the user to order. The calculated deadlines are rendered smart and usable by allowing the user to satisfy those deadlines by ordering a specifically applicable product and/or service as suggested by the invention. Further, the system is able to determine when a deadline has been satisfied automatically through the association of fields in other components of the database.07-25-2013
20110320323PCRF-PCEF-OCS INTERACTION IN WIRELESS-WIRELINE CONVERGENCE - Various embodiments relate to a system and related method for charging an actual subscriber using a single subscriber profile. A Policy and Charging Rules Node (PCRN) may receive a message including a service request and may refer to a subscriber profile to add at least one subscriber identifier (ID) to the message. An Online Charging System (OCS) may thereafter receive a translated message originating from the PCRN and use the at least one subscriber ID included in the translated message to find charging information for the actual subscriber. The OCS may include the charging information in a charged message. A device providing service may then use the charged information to charge the actual subscriber for the requested service.12-29-2011
20120016782METHOD OF AND SYSTEM FOR CAPTURING INTEREST EARNED ON THE MONETARY VALUE OF TRANSFERRED MONETARY RIGHTS MANAGED ON AN INTERNET-BASED MONETARY RIGHTS TRANSFER (MRT) NETWORK SUPPORTED BY A REAL-TIME GROSS SETTLEMENT (RTGS) SYSTEM - Method of capturing interest associated with a whole or partial amount of money possessed or controlled by an owner/holder and held in a first account maintained by a home financial institution, associated with a monetary rights transfer (MRT) network operably connected to the infrastructure of the Internet and a real-time gross settlement (RTGS) system, and the home financial institution or an external financial institution associated with the MRT network, maintaining a second account, interest bearing, for the owner/holder of the amount of money to capture interest.01-19-2012
20120030075Method for Accounting Information Handling in an Interworking - A method for accounting information handling in an interworking is provided. A method for processing accounting information by a gateway device includes sending an accounting request message to a first electronic device, and receiving a response message from a first electronic device, the response message responsive to the accounting request message. The accounting request message is related to a communications device attached to the first network. The method also includes processing accounting information. The processing is based on the response message, the gateway device and the first electronic device are part of the first network, the communications device is accessing a second network through the first network, and the communications device has a subscription only with the second network.02-02-2012
20120030074METHOD AND SYSTEM FOR THREE-DIMENSIONAL PRESENTATION OF FINANCIAL DATA - A computerized method and system for displaying financial data, is based on geometric three-dimensional (3D) model. The geometric 3D model consists of geometric 3D components and geometric 3D interconnections between components. Components represent financial assets and interconnections represent relations between assets. Component's volume is proportional assets' parameters values. Volume of interconnections proportional covariance or correlation values between assets. The generalized multi-dimension and multi-tier model may be applied for presentation of financial data.02-02-2012
20120030073CREATION AND USE OF CONSTRAINT TEMPLATES - The new creation and use of entitlement constraint templates methods and systems can be linked to software offerings in a software catalog. Allowing software catalog experts to link contractual entitlement data with software product offerings via constraint templates on such a varying list of constraint types, establishes a highly robust software catalog knowledgebase. The result is significant cost savings in terms of time spent inputting entitlement constraint data by contract analysts as well as minimizing errors by those analysts who would otherwise be required to have a very high level of expertise in the software offerings while potentially inputting the same constraint data repeated times.02-02-2012
20120030072CATALOG-BASED SOFTWARE LICENSE RECONCILIATION - A software reconciliation engine utilizes a software rule-based catalog to produce accurate license reconciliation across a wide range of software configurations. A software offering may comprise software installables and corresponding constraints. Installed software and active hardware is discovered by a scanner, stored in an installed software database and active hardware database respectively and is mapped against entitled software offerings to determine whether the installed software is entitled to be installed on the hardware. The installed software has a base product attribute, a used-in-count attribute and a parent-child attribute that are used by the reconciliation engine to compare against the constraints to determine entitlement and report compliance.02-02-2012
20130198045METHOD AND APPARATUS FOR RECONCILING A TRANSACTION - A method and apparatus that improves treasury management functionality for a cash positioning and reporting system is provided. Several portions of the payment process may be improved. The approval process may be streamlined by providing supplemental contact information at each stage of the approval process. Confirmation of payments made via a wire transfer may be sent to a payee. A reference number from the wire transfer may be included in the confirmation. The reference number may permit tracking of the payment by the payee. Likewise, supplemental wire transfer information may be provided to the general ledger system to improve reconciliation of payments and invoices.08-01-2013
20130198046MOBILE DATA MAPPING SYSTEM AND METHOD - Embodiments of the invention are related to systems and methods for analyzing transaction data for mobile merchant transactions, and generating a message based on the analysis. Transaction data for one or more transactions conducted at one or more mobile merchants is electronically received, the transaction data including a location for each of the one or more transactions. The transaction data is analyzed by a server computer which generates a message based on the analysis, the message being transmitted to a client device.08-01-2013
20130204757METHOD FOR DETECTING INELIGIBILITY OF A BENEFICIARY AND SYSTEM - A method and system are presented for identifying improper benefit payments to an ineligible beneficiary. Record data may be accessed from a financial institution and may be analyzed to indentify patterns within the banking transactions. Deviations may be identified between a near-term pattern and a far-term pattern by applying one or more rules, which may be ranked. The deviations that are identified may be determined to be either in compliance, in noncompliance, or within some acceptable level of compliance. A level of noncompliance outside of a range of acceptable noncompliance may result in generating a request for an action to be taken, such as an audit of the beneficiary. The aforementioned methods may be carried out using a computerized device.08-08-2013
20130204756Method and System for an Enhanced Business to Business Information and Money Exchange System - Systems and methods are provided to provide enhanced business to business information within an electronic money exchange. Various types of information relating to a plurality businesses are collected from a variety of sources, including transaction information, rating information, offerings information and publicly available information, such as information from third-party websites. The collected information is analyzed to create various metrics that relate to business's reliability and creditworthiness and enhanced profiles are created for each of the plurality of businesses. Facilities are provided for querying businesses to search the enhanced profiles of the plurality of businesses using various search criteria and to establish relationships with selected businesses.08-08-2013
20130204755MULTI-LAYERED SELF-CALIBRATING ANALYTICS - This document presents multi-layered, self-calibrating analytics for detecting fraud in transaction data without substantial historical data. One or more variables from a set of variables are provided to each of a plurality of self-calibrating models that are implemented by one or more data processors, each of the one or more variables being generated from real-time production data related to the transaction data. The one or more variables are processed according to each of the plurality of self-calibrating models implemented by the one or more data processors to produce a self-calibrating model output for each of the plurality of self-calibrating models. The self-calibrating model output from each of the plurality of self-calibrating models is combined in an output model implemented by one or more data processors. Finally, a fraud score output for the real-time production data is generated from the self-calibrating model output.08-08-2013
20120072318Mechanisms for Executing a Process in a Cloud Computing Environment - Deterioration of service quality due to shortage of resources and/or increased cost of support due to excessive resources is minimized in the case where the amount of requested services may change in cloud computing. Provided are mechanisms for executing a process specified by a user in a cloud computing environment and charging the user for the process. The mechanisms include a receiving part for receiving an instruction to execute the specified process and a determining part for determining an external resource to provision from a first other computer system for a charge. The mechanisms further comprise an external resource securing part for securing the external resource on the first other computer system and an executing part for causing the external resource to execute at least a part of the specified process.03-22-2012
20120095887FINANCIAL MANAGEMENT SYSTEM, AND METHODS AND APPARATUS FOR USE THEREIN - The invention provides a financial management system wherein a real bank account is notionally sub-divided into virtual sub-accounts and transactions are effected between the virtual sub-accounts without affecting the operation of the real bank account, such a system allowing a customer to maintain an automatically updated model of the customer's finances within the single account, thus assisting visualization of his or her financial position, while retaining the benefit of the single account.04-19-2012
20120095886COLLECTION AGENCY DATA ACCESS METHOD - An account data access method allowing access to an agency account database, such as that of a collection or other debt recovery agency, from public sites over a network by agency affiliates and clients of the agency. The invention provides for secure access to a client's accounts using a web browser over the internet. The invention also provides for different levels of access to the accounts among different representatives of the client.04-19-2012
20120095885Global Treasury Monitoring System - A global treasury monitoring system can provide a single centralized system of record for maintaining and updating global treasury limits to enable an organization to consistently allocate, apply and manage such limits across multiple types of platforms. Through a single system of record for the management of global treasury limits, an organization may comprehensively assess its risk exposure at any given time and make adjustments to limits on a real-time basis in response to rapidly-changing market conditions. The global treasury monitoring system can provide an organization with the ability to access, evaluate and reconfigure recorded treasury limits in real-time through various graphical user-interfaces (GUIs) accessible to users at various global locations. As treasury limits are utilized the system may update the availability of such limits so that an organization's risk exposure may be constantly monitored and assessed. The system also provides an organization with additional flexibility in programming a client's treasury limits to match the client's various liquidity needs around the globe while also managing the amount of the risk that the organization is willing to take on to attain appropriate returns.04-19-2012
20130211978Financial Transaction Reconciliation - Methods, computer-readable media, and apparatuses are disclosed for reconciling sets of financial transactions. A reconciliation input set of positive and negative numbers may be received, and a positive subset size and negative subset size may be determined for one or more reconciliation attempts. Maximum and minimum subset sums for the positive and negative subset sizes may be determined, and certain overlapping and non-overlapping portions may be identified between the positive subset sum range and the negative subset sum range. For any overlapping portions, a plurality of subset sum comparisons may be performed between positive subsets of the determined positive subset size and negative subsets of the determined negative subset size.08-15-2013
20130211979COMPUTER SYSTEM, COMPUTER SYSTEM IMPLEMENTED METHOD, AND COMPUTER PROGRAM PRODUCT FOR CLIENT TRUST ACCOUNTING PROCESSING - A computer system including a microprocessor and a storage medium, wherein the storage medium stores an accounting program. The storage device is connected to the microprocessor. The accounting programs is read by the microprocessor and operated the instructions of the accounting program. The instructions in the accounting program implement a method that receives user inputs indicating a certain client matter and a received payment amount, creates at least one entry for an operating account, determines at least one outstanding balance for at least one invoice for the certain client matter, and automatically creates at least one entry for the operating account and one entry for an IOLTA trust account.08-15-2013
20130211980System and Method for Conditional Group Membership Fees - A system and method for facilitating fee-based group membership is provided. The method includes the steps of receiving, from at least one designated organizer for at least one group of a plurality of groups, data representing a monetary value of a membership fee; receiving, from a first plurality of user terminals associated with a first plurality of users, a first plurality of requests to join the at least one group; registering the first plurality of users with the at least one group; receiving, from a second plurality of user terminals associated with a second plurality of users, a second plurality of requests to join the at least one group; transmitting, to the second plurality of user terminals, data configured to display payment options; and registering at least a portion of the second plurality of users with the at least one group upon payment of the fee.08-15-2013
20130211981SYSTEM AND METHOD FOR ENSURING ACCURATE REIMBURSEMENT FOR TRAVEL EXPENSES - An Expense Verification System (EVS) checks for fraud and errors in reimbursement requests. The EVS stores requests including reference numbers, and receives travel reservation records from a payment clearinghouse system. Each record includes a reference number and associated reservation data. The EVS selectively denies stored reimbursement requests as a function of data contained in the travel reservation record. Alternatively, the EVS selectively issues an alert as a function of data contained in the travel reservation record. Further, the EVS may parse a received reimbursement request to identify a respective reference number, compare the parsed reference number to the stored reimbursement requests to determine whether the parsed reference number matches a stored reference number, and deny the received reimbursement request if the parsed reference number matches a stored reference number. The EVS may store the received reimbursement request if the parsed reference number does not match a stored reference number.08-15-2013