01st week of 2013 patent applcation highlights part 69 |
Patent application number | Title | Published |
20130006811 | ONLINE FUNDS TRANSFER METHOD - A method is provided for transferring funds related to a checkout process for a transaction initiated between a user and a merchant. The method may include storing information on a plurality of asset accounts associated with the user and receiving selection of a first account from the plurality of asset accounts as possible choices. The method may also include receiving authorization via the interface from the user to pay the merchant from the first account. The method may further include providing a digital IOU to the merchant and receiving a redemption request of the digital IOU. The method may additionally include determining, automatically with a funds transfer server, a second account associated with the merchant, and initiating, automatically with the funds transfer server in response to the redemption request, an electronic transfer between the first account and the second account that is related to the checkout process for the transaction. | 2013-01-03 |
20130006812 | MICRO-PAYMENT SYSTEM ARCHITECTURE - A micro-payment system has buyers, sellers, and a broker. The buyers establish accounts with the broker and provide payment information allowing the broker to invoice the buyers. The sellers establish accounts with the brokers and specify terms for accessing items, including electronic content, available from the sellers. The sellers also provide payment information that allows the broker to credit the sellers for sales of the items. The broker aggregates the buyers' micro-payment purchases and invoices the buyers. The broker also aggregates the sellers' micro-payment sales and credits the sellers. | 2013-01-03 |
20130006813 | Interactive Internet Platform for Assessing and Executing Residential Energy Solutions - A dynamic, fully-integrated computer-server-based platform (platform) provides users with tools for making informed decisions about available energy upgrades and for implementing desired home energy upgrades. In various embodiments, the platform provides various combinations of: (i) a variety of educational and assessment tools, including a Virtual Home Energy Audit (VHEA), which provides users with a customized home energy-savings plan detailing the financial and/or environmental impact of each upgrade alternative on a relative and absolute basis, (ii) product selection and purchase, (iii) access to arrangement and scheduling of in-home services through a network of professionals, (iv) financing solutions, and (v) a data registry that verifies completed upgrades and associated savings. The platform takes a holistic view of energy solutions, and provides tools across a broad spectrum of energy-related products and/or services. | 2013-01-03 |
20130006814 | GLASSES SELLING SYSTEM, LENS COMPANY TERMINAL, FRAME COMPANY TERMINAL, GLASSES SELLING METHOD, AND GLASSES SELLING PROGRAM - A selling server stores prescription data of a customer transmitted from an optometrist terminal of an optometrist who performs optometry for a glasses prescription through a communication line in association with customer identification information, transmits image data of a frame candidate group of glasses to a customer terminal, transmits image data of a lens candidate group of the glasses to the customer terminal, receives information relating to a frame and a lens purchased by the customer and determined on the basis of a combined image of a frame image selected by the customer, a lens image selected by the customer, and a face image of the customer, and transmits prescription data of the customer to a lens company terminal of a lens company which processes the lens purchased by the customer. | 2013-01-03 |
20130006815 | FEDERATED AND MULTI-TENANT E-COMMERCE PLATFORM - A multi-tenancy e-commerce platform to allow sellers to publish listings describing items for sale in one or more marketplaces is described. The platform comprises a distribution scheduler comprising a schedule receiver to receive a distribution schedule from a seller. The distribution scheduler further comprises an execution module, to determine that a delivery time of the listing has arrived, to access the listing from the listing inventory of the seller, and to deliver the listing to the marketplace. The marketplaces respectively comprise a decision system having a policy module to determine if the delivered listing is in compliance with one or more marketplace policies, and if the delivered listing is in compliance, to allow the listing to be published in the marketplace, but if the delivered listing is not in compliance, to not allow the listing to be listed in the marketplace. | 2013-01-03 |
20130006816 | LEVERAGING A SOCIAL NETWORK TO SEARCH FOR LOCAL INVENTORY - In accordance with one or more embodiments of the present disclosure, a method for leveraging a social network to search for local inventory includes communicating with a first mobile communication device over a network, the first mobile communication device associated with a user, and communicating with a second mobile communication device over the network, the second mobile communication device associated with a social network contact. The method further includes obtaining a geo-location of the second mobile communication device, processing a search request from the first mobile communication device, obtaining a radius of coverage for a merchant, determining whether the geo-location of the second mobile communication device is within the radius of coverage of the merchant, and providing a listing to the first mobile communication device of one or more items for sale by the merchant when the second mobile communication device is within the radius of coverage of the merchant. | 2013-01-03 |
20130006817 | ENABLING CONTROL OR USE OF PERSONAL METADATA - This document describes techniques and apparatuses for enabling control or use of personal metadata. In some embodiments, the techniques assemble a person's metadata from various sources on the Internet, present the person's metadata in a user interface, and enable the person to control his or her metadata by adding, removing, or weighting portions of the metadata. By so doing, the techniques enable people to know and alter their metadata, which permits them to tailor their interactions with the Internet or improve their reputation or security. | 2013-01-03 |
20130006818 | SYSTEM AND METHOD FOR OPTIMIZING SAVINGS RELATIVE TO PURCHASING PRODUCTS - A system and method is provided for optimizing a purchase of a desired product on a computer. The method includes receiving product information related to the desired product, a companion product, shelf prices, ring prices, a price threshold, and a rebate amount, and calculating a total shelf price based on shelf prices of the desired and companion products. The method further includes determining whether the total shelf price is greater than or equal to the price threshold, and if so, calculating a total ring price based on the ring prices of the desired and companion products. A result set is provided with the total shelf price and the total ring price. The result set may be ordered based on the total ring price. If a selection of a desired product is received, the result set may include the desired product. | 2013-01-03 |
20130006819 | SYSTEM AND METHOD FOR EXHIBITING AT LEAST VISUAL CONTENT IN ONE OR MORE PHYSICAL RETAIL STORES - One embodiment of the present invention is directed to a system for exhibiting at least visual content in one or more physical retail stores. Another embodiment of the present invention is directed to a method for exhibiting at least visual content in one or more physical retail stores. Another embodiment of the present invention is directed to a programmed computer for exhibiting at least visual content in one or more physical retail stores. Another embodiment of the present invention is directed to a computer readable medium for exhibiting at least visual content in one or more physical retail stores. In one example, the visual content may comprise advertising and/or operating specifications and/or performance specifications and/or dimensions and/or price displayed on a television, a computer monitor, a laptop computer display, a notebook computer display and/or a netbook computer display. | 2013-01-03 |
20130006820 | System 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. | 2013-01-03 |
20130006821 | SYSTEMS AND METHODS FOR IMPORTING ITEMS - Various embodiments of the present invention provide improved systems, methods and computer program products for managing the delivery of items across international borders. Systems and methods for facilitating an international cross-border shipment from an exporting entity to an import entity are provided. The method may include the steps of: receiving, via an import computer system, shipping data comprising a pickup location and a delivery location corresponding to an item to be delivered from an export entity to an import entity; providing an interactive display offering a plurality of label delivery options to an import entity; receiving a selection from the import entity of a select label delivery option; generating a commercial invoice using at least in part the received shipping data; and providing a label and the commercial invoice according to the selected label delivery option | 2013-01-03 |
20130006822 | SYSTEM AND METHOD FOR AUTOMATED TRAVEL NOTIFICATION - According to some embodiments of the present disclosure, a method for travel notification comprises receiving travel information of a card user of a purchase card. The travel information indicates a destination of travel of the card user and a time period of travel to the destination. The method further comprises receiving card information indicating account information associated with the card and generating a computer readable travel notification file based on the travel information and the card information. The travel notification file includes travel confirmation information indicating whether travel by the card user likely occurred. The method also comprises communicating the travel notification file to a card issuer information handling system such that the card issuer information handling system modifies an account associated with the purchase card, based on the travel notification file, to allow use of the purchase card at the destination of travel during the time period of travel. | 2013-01-03 |
20130006823 | SYSTEM AND METHOD FOR AUTOMATED TRAVEL NOTIFICATION BASED ON TRAVEL BOOKING INFORMATION - According to some embodiments of the present disclosure a method for travel notification comprises receiving booking information associated with travel of a card user of a purchase card. The method further comprises parsing through the booking information to determine a destination of travel of the card user and a time period of travel to the destination. The method comprises receiving card information indicating account information associated with the card and generating a computer readable travel notification file based on the travel information and the card information. The travel notification file includes travel confirmation information indicating whether travel by the card user likely occurred. The method also comprises communicating the travel notification file to a card issuer information handling system such that the card issuer information handling system allows use of the purchase card at the destination of travel during the time period of travel, based on the travel notification file. | 2013-01-03 |
20130006824 | Interactive Financial Tool - Discussed herein is an evaluation and scoring system that may be used to quickly assess and guide financial decisions, facilitate or create communities of interest, and assist in accessing markets and/or consumers that may not have been sufficiently considered before. | 2013-01-03 |
20130006825 | SYSTEMS AND METHODS FOR ANALYZING DATA - Information regarding individuals that fit a bad performance definition, such as individuals that have previously defaulted on a financial instrument or have declared bankruptcy, is used to develop a model that is usable to determine whether an individual that does not fit the bad performance definition is more likely to subsequently default on a financial instrument or to declare bankruptcy. The model may be used to generate a score for each individual, and the score may be used to segment the individual into a segment of a segmentation structure that includes individuals with related scores, where segments may include different models for generating a final risk score for the individuals assigned to the particular segments. The segment to which an individual is assigned, which may be determined based at least partly on the score assigned to the individual, may affect the final risk score that is assigned to the individual. | 2013-01-03 |
20130006826 | SYSTEM AND METHOD FOR PROVIDING SECURITY TO A GAME CONTROLLER DEVICE FOR ELECTRONIC TRADING - A system for managing electronic trading, comprises an interface application including a mapping module that defines a plurality of controller signal relationships. Each controller signal relationship associates one or more of a plurality of game controller signals with one of a plurality of trading system commands associated with the electronic trading of financial instruments. The interface application receives a plurality of game controller signals generated by a game controller, and determines, based on the controller signal relationships, that one or more of the plurality of received game controller signals are erroneous. The interface application causes the communication of a command to lock the game controller based on the determination of the one or more erroneous game controller signals. | 2013-01-03 |
20130006827 | GROUP BASED TRADING METHODS - The disclosure relates generally to methods of determining whether to engage in an open market based trade. More specifically, the disclosure relates to methods of formulating a consensus on whether to engage in an open market based trade, itself based on prior trade history of each trader and a ranking of each trader based on the trader's previous prediction in whether a trade will result in monetary gain. | 2013-01-03 |
20130006828 | SYSTEMS AND METHODS FOR OPEN EXECUTION AUCTION TRADING OF FINANCIAL INSTRUMENTS - In a computerized trading system, at least one passive order from a liquidity provider is placed on a book of orders. An order received from a liquidity consumer is held for a holding period. During the holding period the order from the liquidity consumer is checked and information relating to the received order from the liquidity consumer is sent to eligible ones of one or more liquidity providers. If, during the holding period, changes to the orders on the book of orders are made by the liquidity providers, those orders are modified on the book and the book of orders is revised. Upon expiration of the holding period, the order from the liquidity consumer is matched with orders that remain on the book after any revisions. | 2013-01-03 |
20130006829 | CREATION AND TRADING OF MULTI-OBLIGOR CREDIT DEFAULT SWAP-BACKED SECURITIES - A system, method, and computer program product are provided for the creation of enhanced securities. Enhanced bonds are backed by the security of a credit default swap contract without the need for separate purchase thereof. Building on this approach, multi-obligor securities can also be credit enhanced to provide a single security reflecting the position of the multi-obligor securities and a backing credit default swap contract. | 2013-01-03 |
20130006830 | Leg Pricer - An electronic trading system utilizes a Match Engine that receives orders, stores them internally, calculates tradable combinations and advertises the availability of real and implied orders in the form of market data. The tradable combinations may include spread orders where one leg of the spread has a different tick size than the other or where the tick of the spread contract is different from the tick size in one or both legs. A method and system for calculating on-tick leg prices in an equitable and predictable manner is provided. | 2013-01-03 |
20130006831 | ELECTRIC POWER SUPPLY SYSTEM - An electric power supply system includes: a distributed power supply which is disposed in at least one of a first power consumer; a power line which supplies the surplus power generated in the distributed power supply to at least one of a second power consumer; and a management device which manages the trade price of the surplus power supplied via the power line. The management device determines the trade price of the surplus power for following days on the basis of a prediction value for the amount of surplus power in the first electric power consumer unit and a prediction value for the amount of electric power consumption in the second electric power consumer unit over the following days. | 2013-01-03 |
20130006832 | COMPUTERIZED METHOD AND SYSTEM FOR SCALE TRADING - Disclosed embodiments include computer-implemented methods and systems that permit a market participant to automatically scale a block order into relatively smaller, incrementally priced scale trade component orders based on scale order parameters (such as price and size) provided by the market participant. The scale orders may continue automatically, without the need for further intervention from the market participant, until the total number of shares specified by the market participant is accumulated or sold. Some embodiments also permit the market participant to automatically submit opposite-side profit-taking component orders against the market participant's original scale order components. The profit-taking orders can be automatically created and submitted when the original scale order component has executed. | 2013-01-03 |
20130006833 | Console, System and Method for providing an Interface to a Financial Market Trading System or to a Financial Market Based Gaming System - The present invention is a console, system and method for providing an interface to a financial market trading system or to a financial market based gaming system. The invention enables the trader to trade on financial markets using an interface simulating known and popular games from the world of sports, arcade, games of chance, strategic games and the like. | 2013-01-03 |
20130006834 | METHODS AND SYSTEMS FOR DIRECTING AND EXECUTING CERTIFIED TRADING INTERESTS - One or more aspects comprise: (a) receiving confidential information that comprises data regarding first and second market participants; (b) receiving order and targeting parameters from said first participant; (c) receiving confidential trading interest information from said second participant; (d) identifying said second participant as a participant likely to take a contra side of said order; (e) routing said order to said second participant without revealing said first participant's identity or other confidential information regarding said first market participant, and wherein no information regarding said second participant or said confidential trading interest information received from said second participant is transferred to said first participant; and (f) producing a targeted dissemination list of market participants based on said confidential information and said order and targeting parameters, and wherein identifying a second participant that is most likely to take a contra side of said order is based on said dissemination list. | 2013-01-03 |
20130006835 | DEVICE, SYSTEM, AND METHOD OF GENERATING A CUSTOMIZED TRADE ARTICLE - Some embodiments include devices, systems and/or methods of generating a customized trade article. In one embodiment, a trade-article generator application is to receive trade information including a plurality of values of one or more trade-related parameters defining at least one trade with respect to at least one financial instrument, and to automatically generate a customized electronic trade article corresponding to the trade based on a predefined trade-article layout. Other embodiments are described and claimed. | 2013-01-03 |
20130006836 | MANAGING TRADING IN TRADING NETWORKS - A method and system for managing trading in trading networks. At least one trading network package is offered. Each trading network package is based on negotiations occurring prior to receiving purchase requests from customer members of the trading network. Each trading network package is configured to include: (i) a value-add service offering offered by the trading network to the customer members for a fee, (ii) a managed package for which a customer member of the customer members provides a volume commitment and for which actual purchases are tracked; or (iii) both the value-add service offering and the managed package. | 2013-01-03 |
20130006837 | System and Method for Selectively Displaying Market Information Related to a Plurality of Tradeable Objects - A graphical interface and method are provided for selectively displaying market information corresponding to a plurality of tradeable objects. According to one example method, a scanning feature is provided in relation to a number of tradeable object indicators. Upon detecting a predefined movement of a user input device in relation to the plurality of indicators, a graphical interface dynamically displays market information corresponding to the tradeable objects as a predefined movement of the user input device is detected in relation to the tradeable object indicators. | 2013-01-03 |
20130006838 | SYSTEM AND METHOD FOR DIRECT CLIENT ACCESS FOR MANAGEMENT OF SECURITIES TRANSACTIONS - A computer implemented system and method provides for transmission of a parent shell order of which no portion is placed for execution until a respective child order is obtained. The shell order can be received from a device of an exchange member on behalf of a member's customer and the child orders can be received directly from a device operated by the customer. | 2013-01-03 |
20130006839 | REPRICE-TO-BLOCK ORDER - A reprice-to-block order and related market center and process are disclosed which automatically reprice a posted limit order to the price of a block trade executed at an inferior price on a market away from the market center that posted the limit order. | 2013-01-03 |
20130006840 | Depository-Based Security Trading System - A system for protecting individuals (including institutions) involved in securities transactions has been created that utilizes an “independent” depository as an intermediary between a security owner and a brokerage firm. The inclusion of a depository is considered to protect the security owner from untoward actions on the part of the brokerage firm. The depository is used to “hold” the securities behalf of the owner. The security owners and brokerage firms must be registered with the depository and maintain accounts with the depository. All transactions involving the securities are still performed by the broker, but the requests are transmitted from the security owner to the depository, and the depository then relays messages regarding the transactions to the broker. Thus, the securities are only in the possession of the broker on a transaction-by-transaction basis. | 2013-01-03 |
20130006841 | System And Method For Optimizing The Frequency Of Market Information Updates In An Electronic Trading Environment - A system and method for optimizing the frequency of market information updates in an electronic trading environment are described herein. According to one example embodiment, by optimizing the frequency of market information updates, the burden on the client device to update the graphical user interface may be reduced, while still providing an accurate portrayal of the market to the user. An example method includes associating different precedence levels with messages comprising market information. Messages containing market information related to the inside market may be associated to a higher precedence level. Whereas messages containing market information relating to the quantities at prices outside the inside market may be associated with a lower precedence level. Based on the precedence level associated with a message, a client device may update the graphical user interface or the message may be stored in a data structure until a pre-defined condition is satisfied. | 2013-01-03 |
20130006842 | SYSTEM AND METHOD FOR CREATING AND FACILITATING THE TRADING OF A FOREIGN EXCHANGE DEFERRED SPOT PRODUCT - A computer implemented method and system for creating and facilitating the trading of a financial product. An order is requested by a first party for a first financial product from a second party, wherein the order is entered into an electronic computer trading system. An agreement is created by the second party with a third party to convert the first financial product into a second financial product. The first financial product is converted into the second financial product which is then cleared. The cleared second financial product is delivered to the second party and listed the on an exchange where it is traded. The first financial product may be a spot foreign exchange order that is converted, via an exchange of futures swaps, to the second financial product such as a foreign exchange deferred spot product. The financial product includes an interest rate pay/collect feature by way of Swap Points, which are expressed in terms of fractional parts of minimum price increments as a positive or negative number. A positive Swap Point reflects a credit for the Short Futures Position and a debit for the Long Futures position, and a negative Swap Point reflects a debit for the Short Futures Position and a credit for the Long Futures Position. | 2013-01-03 |
20130006843 | QUANTATIVE DIVIDENDS METHOD AND SYSTEM - A method of generating trading strategies, comprising the steps of: providing a system for generating trading strategies for dividend-based stocks, loading a first database containing basic information of stock and a second database containing financial information of stock into the system, computing maximum trading days of the stock, mapping of the first database and second database of the stock to a trading day and an alternative trading day, computing maximum number of trading pairs based on the maximum trading days of the stock, if trading long, computing historical returns for all trading pairs, computing buy/sell differences and actual trading dates and price of all trading pairs, if trading short, computing historical returns for all trading pairs, compute short/cover price differences and actual trading dates and price of all trading pairs, ranking a list of trading pairs based on one or more corresponding ranking criteria for trading long and trading short. | 2013-01-03 |
20130006844 | SYSTEMS AND METHODS FOR COLLATERALIZING LOANS - Systems and methods are disclosed for collateralizing loans. Some embodiments increase the likelihood of repayment by obtaining access to a qualified attribute of a borrower by a first computer component, monitoring by a second computer component for a financial event associated with the loan to the borrower, and taking control of the qualified attribute of the borrower by a third computer component. Taking control may include notifying social contacts. Securing the loan by taking various security interests and technical countermeasures against the borrower re-obtaining access or re-taking control are disclosed. Providing loans, receiving loan applications, providing loans proceeds, processing payments, and underwriting criteria are disclosed. Underwriting employing social contacts for recommendations, loan guarantees, social contact credit scores, public repayment promises, loan repayment coaches, fraud criteria, crowdsourced risk evaluation, social graphs, borrower stability factors derived from social graphs, data associated with online information repositories, and efficacy of notification are disclosed. | 2013-01-03 |
20130006845 | SYSTEMS AND METHODS FOR UNDERWRITING LOANS - Systems and methods are disclosed for underwriting loans. Some embodiments increase the likelihood of repayment by obtaining access to a qualified attribute of a borrower by a first computer component, monitoring by a second computer component for a financial event associated with the loan to the borrower, and taking control of the qualified attribute of the borrower by a third computer component. Taking control may include notifying social contacts. Securing the loan by taking various security interests and technical countermeasures against the borrower re-obtaining access or re-taking control are disclosed. Providing loans, receiving loan applications, providing loans proceeds, processing payments, and underwriting criteria are disclosed. Underwriting employing social contacts for recommendations, loan guarantees, social contact credit scores, public repayment promises, loan repayment coaches, fraud criteria, crowdsourced risk evaluation, social graphs, borrower stability factors derived from social graphs, data associated with online information repositories, and efficacy of notification are disclosed. | 2013-01-03 |
20130006846 | METHOD AND SYSTEM FOR MORTGAGE EXCHANGE - A method and system for electronically facilitating real estate transactions by providing accurate representations of the loans a borrower is qualified to receive, which are based on actual data, rather than estimates. All actions required for completing the real estate transaction, from entry of the borrower information to the closing and funding of the loan, are seamlessly integrated. An automated underwriting engine is provided for generating a decision matrix based on user input and/or existing data. An appropriate loan is selected based on the decision matrix, and is communicated to a potential borrower. After a loan is selected, fulfillment processing is performed, and the loan is funded and closed. | 2013-01-03 |
20130006847 | Mixed Mode Transaction Protocol - As opposed to using one type of technology from the beginning of a transaction to the end of a transaction at the point of sale, embodiments of the present invention are related to useful techniques for conducting mixed mode transactions. A mixed mode transaction combines at least two modes of communication used in transaction processing. A transaction may start by initiating the transaction using a first communication mode between a first device and a second device. The first device may be a consumer's mobile device, and the device may be a merchant access device or point of sale terminal. To continue the transaction, a second mode of communication may be initiated. The first and second communications modes may be a physical interaction-based mode, a contact or contactless chip mode, a Bluetooth mode, a WiFi mode, an infrared (IR) mode, or any other suitable communication mode. | 2013-01-03 |
20130006848 | METHOD OF VIRTUAL TRANSACTION USING MOBILE ELECTRONIC DEVICES OR FIXED ELECTRONIC DEVICES OR A COMBINATION OF BOTH, FOR GLOBAL COMMERCIAL OR NONCOMMERCIAL PURPOSES - A payment system that enables parties to conduct financial transaction between person to person, person to business, business to business, person to a group of people, group of people to a person etc. (collectively called users) using mobile and non-mobile interfaces for online and physical points of transaction. The system also enables users to share funds between each other. Shared funds are accessible by the beneficiary user as if the funds are available in his/her account. However, when the shared funds are selected to make a payment, the funds are debited from the benefactor's account up to the set limits. The system prevents the exposure of critical account information between users while sharing or paying, to prevent fraudulent activities. In addition, the system enables users to seamlessly verify each other's identity prior to executing transaction. The system allows for real time transaction between parties, without limitations on proximity. | 2013-01-03 |
20130006849 | LOCATION BASED SERVICES - A mobile device, comprising a Bluetooth system capable of establishing wireless Bluetooth communications, and also receiving Wi-Fi and/or GPS signals; an NFC communication system capable of establishing wireless NFC communications with a remote NFC device; and a processing system in communication with the Bluetooth system and the NFC system, the processing system configured to determine the location of the mobile device and conduct transactions utilising the NFC system. | 2013-01-03 |
20130006850 | Fast Cash Transactions (FCT) - A Fast Cash Transaction System is provided enabling financial transactions among individuals and business entities including usage of Letter of Credit, whereas electronic and mobile communication devices enable transactions without the need for a credit card or bank relationship. | 2013-01-03 |
20130006851 | COMPUTER-IMPLEMENTED HIERARCHICAL REVENUE MODEL TO MANAGE REVENUE ALLOCATIONS AMONG DERIVED PRODUCT DEVELOPERS IN A NETWORKED SYSTEM - A computer-implemented hierarchical revenue model to manage revenue allocations among derived product developers in a networked system is disclosed. The model includes providing a first revenue value associated with a first digital component, providing a second revenue value associated with a second digital component, and combining the first revenue value with a second revenue value to produce a third revenue value associated with the second digital component, the second digital component including at least a portion of the first digital component. | 2013-01-03 |
20130006852 | System and Method for Licensing Software - A system and method for licensing software using a clearinghouse to license only the technology modules that an end user registers. The clearinghouse maintains registration information which can be used to bill a software provider for the technology licensed to the end user. The system can be used to compensate technology owners only after the end user registers an unlicensed technology module. Thus, the system and method allows software vendors to reduce costs by licensing only the technologies that an end user actually uses. The clearinghouse can also be used to track the usage of software functionality to determine the popularity of a particular technology. | 2013-01-03 |
20130006853 | ENTERPRISE SYSTEM, METHOD AND COMPUTER PROGRAM PRODUCT FOR AGGREGATING AND PRO RATING EXPENSES ACROSS MEMBERS OF A NETWORKED VIRTUAL COLLECTIVE - A computer program product, system and method are disclosed for aggregating expenses incurred by members of a group of commonly acquainted parties (the parties comprising individuals, entities, or organizations), and for collecting pro rated funds from each member. The parties are brought into communication by a computerized central managing forum, communicating via a network, which acts as a fiduciary of the parties and uses a uniquely configured data processing device which prompts the interconnected parties to remit pro rated payments of digitized bills stored and made digitally available by the central managing forum to the parties. Additional embodiments of the invention include a uniquely configured classified listing service, and notification service for special consumer offers. | 2013-01-03 |
20130006854 | EXPENSE TRACKING, ELECTRONIC ORDERING, INVOICE PRESENTMENT, AND PAYMENT SYSTEM AND METHOD - Systems and methods are described for electronic invoice presentment and payment processing. Requestors may place an order to purchase goods or services from one or more vendors. Invoice processing includes approval routing and dispute resolution. | 2013-01-03 |
20130006855 | SYSTEMS AND METHODS FOR GENERATION, REGISTRATION AND MOBILE PHONE BILLING OF A NETWORK-ENABLED APPLICATION WITH ONE-TIME OPT-IN - A method of providing a service to a customer comprises receiving a request by a customer for an item of content, providing to the customer an option to subscribe to a service for a limited time, if the customer opts to subscribe, then providing the service for the limited time, and if the customer does not opt to subscribe, then not providing the service for the limited time. | 2013-01-03 |
20130006856 | FLEXIBLE PAYMENT INSTRUMENT - Systems and methods are provided for transactions using a flexible payment instrument. A method according to an embodiment comprises allowing a giver to obtain a flexible payment instrument and specify one or more arbitrarily complex conditions for use of the flexible payment instrument on a per-payment-instrument basis in connection with one or more transactions. The method also comprises linking, by a remote location, the flexible payment instrument to an account of the giver maintained at the remote location, wherein the giver provides the flexible payment instrument to a recipient issued with the condition(s) specified by the giver for use by the recipient in connection with the one or more transactions. The method further comprises comparing, at the remote location, the condition(s) specified by the giver with transaction information details upon the use by the recipient of the flexible payment instrument in connection with the transaction(s). If the transaction information details are in compliance with the condition(s) specified by the giver, authorizing the transaction(s) using the flexible payment instrument. | 2013-01-03 |
20130006857 | METHOD AND SYSTEM FOR PHOTO IDENTIFICATION IN A PAYMENT CARD TRANSACTION - A method and system for a photo ID payment card transaction verification system for use with a payment card interchange network is provided. The system is programmed to receive a photo of a cardholder, the photo verified to be of the cardholder, assign a unique photo identifier to the photo, the unique photo identifier associated with the cardholder's payment card account, receive payment card transaction information for a payment cardholder from the interchange network, the interchange network configured to process payment card transactions between a merchant through a merchant bank and a cardholder through an issuer bank, the payment card transaction information including data relating to a purchase of goods or services made by the cardholder at a merchant, and transmit at least one of the photo and an access to the photo to the merchant with an authorization request response during a payment card transaction. | 2013-01-03 |
20130006858 | SYSTEM AND METHOD FOR AUTOMATICALLY UPDATING A PURCHASE CARD ACCOUNT BASED ON TRAVEL OF THE CARD USER - According to some embodiments of the present disclosure, a method for modifying a purchase card account according to travel by a user of a purchase card comprises receiving, at a card issuer information handling system associated with a card issuer of a purchase card, a computer readable travel notification file. The travel notification file indicates a destination of travel of a card user of the purchase card, a time period of travel to the destination, account information associated with the purchase card and confirmation information indicating whether travel to the destination likely occurred. The method further comprises modifying, by the card issuer information handling system, an account associated with the purchase card based on the travel notification file to authorize use of the purchase card at the destination of travel during the time period of travel. | 2013-01-03 |
20130006859 | PAYMENT SYSTEM AND METHOD USING HUMAN BODY COMMUNICATION - Disclosed is a payment system and method using HBC to communicate between a vehicle terminal and a payment terminal. More specifically, a vehicle terminal including a HBC unit links HBC using a human body as a medium, and a storage unit which stores user payment information and purchase information is provided. Additionally, a control unit, which provides the user payment information to the payment terminal, performs a payment if the HBC is successfully/validated by the HBC unit. | 2013-01-03 |
20130006860 | ANTICIPATORY PAYMENT AUTHORIZATION - A payment provider anticipates when a user will be making a payment and authorizes a payment amount to a merchant or payee prior to a total purchase amount being determined. When the user is ready to pay, the merchant can complete the transaction without further communication with the payment provider, thereby speeding up the checkout or payment process. | 2013-01-03 |
20130006861 | Verification of a Financial Instrument Allowing Rules-Based Pre-Acceptance Use of the Financial Instrument - A method of verifying authority of a customer to use a financial instrument, includes initiating one or more transactions using a financial instrument identified by a customer. One or more attributes of the initiated one or more transactions are stored. A determination is made as to whether or not a further financial transaction using the identified financial instrument, requested by the customer prior to acceptance of the use of the financial instrument, complies with pre-acceptance transaction rules. The further transaction is initiated only if it is determined to comply with the pre-acceptance transaction rules. One or more proffered attributes are received, typically from the customer. The received proffered attributes are compared to the stored attributes. Use of the financial instrument by the customer is then accepted if the received proffered attributes correspond to the stored attributes. | 2013-01-03 |
20130006862 | System and Method of Controlling Transactions - A system and method of controlling financial transactions of an account of entity having two or more authorized parties includes the steps of (a) a first authorized party presenting a first instrument to perform a transaction on the account, (b) employing an electronic communication device to send a realtime electronic authorization request for approval to a second authorized party and (c) the second party electronically replying to the request. | 2013-01-03 |
20130006863 | Method, System and Program Product for Deterring Credit Fraud - Under the present invention, a credit account can be associated with a locational restriction and a corresponding monetary restriction. The locational restriction sets forth a specific merchant or type of merchant at which a credit account can be used. The monetary restriction sets forth a maximum monetary amount that can be charged to that account by the specified merchant or type of merchant. When a request to approve a purchase using the credit account is received from a merchant, it will be determined whether the locational and monetary restrictions are met. If so, the request is approved. However, if either restriction is not met, the request will be denied. | 2013-01-03 |
20130006864 | METHOD FOR TRANSMITTING A CODE - The present invention relates to a method for transmitting a code to a user in which the user transmits his or her financial account identifier information to a code allocation unit | 2013-01-03 |
20130006865 | SYSTEMS, METHODS, APPARATUSES, AND COMPUTER PROGRAM PRODUCTS FOR PROVIDING NETWORK-ACCESSIBLE PATIENT HEALTH RECORDS - Methods, apparatuses, and computer program products are provided for providing network-accessible patient health records. A method may include generating a patient health record document. The method may further include obtaining a set of one or more symmetric keys from a health record trust entity. The method may additionally include encrypting at least a portion of the patient health record document with the obtained set of symmetric keys. The method may also include causing the encrypted patient health record document to be published to a location on a network. The published encrypted patient health record document may have a resource identifier enabling the published encrypted patient health record document to be accessed over the network. Corresponding systems, apparatuses and computer program products are also provided. | 2013-01-03 |
20130006866 | METHOD AND APPARATUS FOR DYNAMIC, REAL-TIME AD INSERTION BASED ON META-DATA WITHIN A HARDWARE BASED ROOT OF TRUST - A client computing system inserts selected advertising into digital content. Ads may be inserted into content based on a dynamic advertising matching process that is securely implemented within a hardware-based root of trust. User profiles used in ad matching may be privacy protected and maintained with confidentiality protection in the client computing system and/or a service provider server, respectively. When a client computing system makes a request to the service provider server for content with specified ad slots, the request may be made with the client's EPID signature, which is inherently privacy protected. The hardware-based root of trust protects insertion of selected ads into the linear rendering flow of the content. | 2013-01-03 |
20130006867 | SECURE PATIENT INFORMATION HANDLING - The description relates to secure patient information handling. One example can receive encrypted patient data from a first entity. The example can receive a request to view the encrypted patient data from a second entity. The request can include a conditional access code and the example can validate the conditional access code. In an instance where the conditional access code is valid, the example can retrieve an encryption key for the encrypted patient data. The example can decrypt at least a portion of the encrypted patient data to produce decrypted patient data. The example can provide at least some of the decrypted patient data to the second entity. | 2013-01-03 |
20130006868 | METHOD AND APPARATUS FOR DETERMINING AND UTILIZING VALUE OF DIGITAL ASSETS - Systems and methods for protecting digital assets associated with a computing device are described herein. An example of a method according to the disclosure includes assigning at least one asset worth value to respective digital assets associated with a device, computing at least one device worth value using the at least one asset worth value assigned to the digital assets associated with the device, identifying at least one device worth value threshold, performing a comparison of the at least one device worth value to the at least one worth value threshold, and initiating at least one action with respect to the digital assets associated with the device based on the comparison. | 2013-01-03 |
20130006869 | METHOD TO IDENTIFY CONSUMER ELECTRONICS PRODUCTS - Systems and methods for identifying consumer electronic products using a playback device with a product identifier in accordance with embodiments of the invention are disclosed. In one embodiment, a playback device includes a processor and memory configured to store a product identifier, where the product identifier is associated with a specific product and is associated with cryptographic information, wherein the processor is configured by a client application to request content from a server, communicate the product identifier to a server, and receive encrypted content accessible using cryptographic information including the cryptographic information associated with the product identifier. | 2013-01-03 |
20130006870 | SYSTEM AND METHOD FOR PARTICIPATING IN TRANSACTIONS BETWEEN COMPUTING DEVICES - Apparatus, method, and media for participating in transactions between computing devices. An exemplary method comprises transmitting, to an external computing device, a registration identifier and a registration message including an identification certificate, receiving, from an external computing device, an authentication message to test the authenticity of a computing device, transmitting, to an external computing device, information validating the authenticity of a computing device in response to the receipt of the authentication message, and participating in a transaction with an external computing devices. The transaction may comprise generating a request for content, the request corresponding to a utilization of the content, determining whether the utilization corresponds to usage rights associated with the content, and granting access to the content in accordance with the usage rights based at least in part on a determination that the utilization corresponds to usage rights associated with the content. | 2013-01-03 |
20130006871 | SYSTEM AND METHOD FOR PARTICIPATING IN TRANSACTIONS BETWEEN COMPUTING DEVICES - Apparatus, method, and media for participating in transactions between computing devices. An exemplary method comprises receiving a registration identifier and a registration message including an identification certificate, verifying the identity of an external computing device by verifying the identification certificate, transmitting an authentication message to test the authenticity of an external computing device, validating the authenticity of an external computing device based at least in part on information received in response to the transmission of the authentication message, and participating in a transaction with an external computing device. The transaction may comprise generating a request for content, the request corresponding to a utilization of the content, determining whether the utilization corresponds to usage rights associated with the content, and granting access to the content in accordance with the usage rights based at least in part on a determination that the utilization corresponds to the usage rights associated with the content. | 2013-01-03 |
20130006872 | NEAR-FIELD COMMUNICATION BASED PAYMENT METHODS - A method of performing a payment transaction is provided. Transaction information is received from a payee, which has been provided to the payee by a payor using near-field communications and includes a payment amount and payee account information. A transaction authentication request is sent to the payor, and, after a transaction authentication is received from the payor, the payment amount is sent to the payee. After the payment has been completed, a payment confirmation is sent to the payor. A method for processing a payment transaction using a generated remittance key is also provided. The remittance key, which includes an encrypted alphanumeric key having a payment amount and payment provider account information for a payor, is generated and transmitted to a payee who, in turn, transmits the remittance key to a remittance agent. The remittance agent transmits the remittance key and a payment request to a payment provider who processes the request and transmits a payment to the payee. | 2013-01-03 |
20130006873 | METHOD OF CREATING AND MANAGING SIGNATURE PAGES - A computer implemented method of managing signatures includes receiving, via a computing device, signatory information from a user related to a signatory and an agreement identifier identifying a specific agreement from a plurality of agreements. Via the computing device, a signature page associated with the specific agreement is sent to the signatory. The signature page is received, via the computing device, including a signature of the signatory. The signature of the signatory may be verified visually by the user. A positive or negative verification of the signature may be stored via the computing device. A status may be displayed including an indication of the signature page being sent, received, signed or incomplete. The agreements may be organized based upon the agreement identifier, a company name or the signatory. A collaborator may be invited, via the computing device, to identify a specific individual associated with the signatory. | 2013-01-03 |
20130006874 | SYSTEM AND METHOD FOR PRESERVING CONTEXT ACROSS MULTIPLE CUSTOMER SERVICE VENUES - Disclosed herein are systems, methods, and non-transitory computer-readable storage media for preserving context across multiple customer service venues. A system configured to practice the method identifies a user profile of a user requesting customer service, generates a context based on the user profile, the request, and other relevant data. The system communicates with the user at a first customer service venue based on the context, and receives an indication of movement of the user from the first customer service venue to a second customer service venue. The system transfers the context to the second customer service venue, and communicates with the user at the second customer service venue based on the context. A customer service venue can be a knowledge base, a troubleshooting guide, a social network, an online virtual world, a text-based chat, a voice conversation, a video chat, a spoken dialog system, and an onsite visit. | 2013-01-03 |
20130006875 | SYSTEM AND METHOD FOR PROVIDING INCENTIVES TO CONSUMERS TO SHARE INFORMATION - A system and method for providing incentives to consumers to share their consumer information with third parties is provided. According to one aspect of the present invention, a method is provided which includes the steps of: accepting consumer information; storing the consumer information; requesting permission from the consumer to share their consumer information with a third party; and offering the consumer a selected incentive in exchange for their permission to share their consumer information. | 2013-01-03 |
20130006876 | SYSTEM, METHOD AND COMPUTER PROGRAM PRODUCT FOR GEO-SPECIFIC VEHICLE PRICING - Disclosed are embodiments for the aggregation and analysis of vehicle prices via a geo-specific model. Data may be collected at various geo-specific levels such as a ZIP-Code level to provide greater data resolution. Data sets taken into account may include demarcation point data sets and data sets based on vehicle transactions. A demarcation point data set may be based on consumer market factors that influence car-buying behavior. Vehicle transactions may be classified into data sets for other vehicles having similar characteristics to the vehicle. A geo-specific statistical pricing model may then be applied to the data sets based on similar characteristics to a particular vehicle to produce a price estimation for the vehicle. | 2013-01-03 |
20130006877 | NANOSTRUCTURE TRACKING OF PRODUCTS - Some embodiments of the inventive subject matter are directed to incorporating a plurality of nanoparticles with a physical structure of an object. The object is transportable via locations associated with a chain of supply. Some embodiments are further directed to writing charges to modifiable portions of the plurality of nanoparticles incorporated with the physical structure of the object. Some embodiments are further directed to configuring the charges on the modifiable portions of the plurality of nanoparticles as data. The data describes one or more characteristics of the object and components of the object. The data is accessible via the locations associated with the chain of supply. | 2013-01-03 |
20130006878 | NANOSTRUCTURE TRACKING OF PRODUCT DATA SIGNATURES - Some embodiments of the inventive subject matter are directed to incorporating one or more nanoprocessors to one or more physical structures of one or more components of a product. The product is transportable via a chain of supply. Some embodiments are further directed to configuring the one or more nanoprocessors to store data that describes characteristics of the one or more components, the product, and/or the chain of supply. Some embodiments are further directed configuring the one or more nanoprocessors to transmit one or more signals that contain the data. | 2013-01-03 |
20130006879 | Guiding Interactions Between Users of Social Networking Services Based on Business Relationships - A computing device collects data from one or more data sources. The data sources are separate from a social networking service. The computing device uses the data from the data sources to generate group membership suggestions for members of a given user's social network. Because the computing device suggests the group memberships, the given user may be more likely to assign members of the given user's social network to groups. When the given user shares posts on the social networking service, the given user can limit access to the posts to members of selected groups. | 2013-01-03 |
20130006880 | METHOD FOR FINDING ACTIONABLE COMMUNITIES WITHIN SOCIAL NETWORKS - A non-transitory computer storage medium stores a method that includes identifying a social network of a plurality of entities, each entity being associated with at least one other entity in the social network. A group of entities is identified from the plurality of entities that have expressed an interest in any one of a plurality of items. A primitive-community for each of the groups of entities is determined for each distinct item of the plurality of items. Common sets of entities are determined within each primitive-community associated with the each distinct item of the plurality of items based on a minimum support level, using a frequent itemset mining approach, where the first primitive community and the second primitive community are treated as transactions and entities are treated as items. | 2013-01-03 |
20130006881 | METHOD OF IDENTIFYING RELEVANT USER FEEDBACK - Disclosed herein are systems, methods, and non-transitory computer-readable storage media for sorting and outputting, base on relevancy, feedbacks to a user. For example, user characteristics of a user associated with viewing an item can be received directly from the user or from a social network profile associated with the user. The received user characteristics can be compared to user characteristics associated with feedbacks to yield respective degrees of similarity. Finally, the feedbacks can be output to the user based on the respective degrees of similarity. | 2013-01-03 |
20130006882 | PROMOTION VIA SOCIAL CURRENCY - In one aspect, the present disclosure describes a method that may include determining, for presentation to a first user as a user interface at a user computing device, interface information including a number of information posts. Each information post of the number of information posts may be associated with a respective interest level. The number of information posts may be arranged for presentation in a ranked order based in part upon the respective interest level of each information post of the number of information posts. A first user account may be associated with the first user. The method may further include providing the interface information for presentation at the user computing device. | 2013-01-03 |
20130006883 | PERFORMANCE DRIVE COMPENSATION FOR ENTERPRISE-LEVEL HUMAN CAPITAL MANAGEMENT - In embodiments of the present invention improved capabilities are described for a human resource management platform that includes applications targeted to solve a variety of human resource, compensation, and performance management problems. Applications of the human resource management platform include business applications such as performance driven compensation that may provide a single solution for driving employee performance and organizational success by automation of goal setting, performance measurement, and employee rewards by directly linking performance results to rewards. | 2013-01-03 |
20130006884 | Computer System for Managing, Assessing, and Optimizing Tuition Reimbursement and Method of its Operation - A method and system for managing, assessing, and optimizing tuition reimbursement for an employee by an employer and optimizing financial outcomes for an employee relative to tuition reimbursement programs. Employee tuition reimbursement eligibility information is entered into a computer system and the computer system determines whether the employee is eligible for tuition reimbursement by comparing the employee tuition reimbursement eligibility information to tuition reimbursement eligibility criteria for the employer. Furthermore, if the employee is determined to be eligible for the tuition reimbursement, entering employee financial aid eligibility information into the computer system. Determining a financial aid award that is generated from the employee financial aid eligibility information of the employee and determining an amount of tuition reimbursement based on the financial aid awards and/out of pocket costs incurred by the employee. Potential adjustments to tuition reimbursement eligibility are made, in one example, based on financial aid eligibility possibilities determined through modification of input parameters. | 2013-01-03 |
20130006885 | FLEXIBLE MAIL DELIVERY SYSTEM AND METHOD - The principles of the present invention provide the ability to flexibly change the delivery point and time for a mail item, while the item is .en route. The recipient, sender, or mailer may flexibly change the delivery point of the item alone or in combination with each other. While an item is en route between the sending point and the delivery point, a notification is sent to indicate that the item is in transit. In response, the delivery of the item may be changed. For example, the destination specified by the sender (e.g., the delivery address written on the item) may be changed or a delivery time may be specified. The item is then delivered to the new delivery point and/or at the specified delivery time. | 2013-01-03 |
20130006886 | CRYOGENIC OPERATING SYSTEM AND METHOD - A cryogenic data collection system includes a plurality of customer depots for the bulk storage and transfer of a cryogenic along with a signal processing module associated with each customer trailers and/or trucks and/or tractors. A plurality of customer centers for on-site storage and on-site usage of the cryogenic are provided and a signal processing module is associated with each of the customer centers. A plurality of mobile trailers provides for transfer of the cryogenic between the plurality of customer depots and the plurality of customer centers and a trailer signal processing module associated with each of the trailers, enables connection thereafter. A customer depot transfers the cryogenic to customer site locations. The trailer and/or tracks and/or tractors collects and stores data from the cryogenic operation. The data is then transferred wirelessly through a data processing signal to a website. The website can be utilized to monitor the cryogenic operation and generates automated alerts to appointed to notify of a cryogenic concern. | 2013-01-03 |
20130006887 | Automatic Identification of User-Aligned Fragments in Business Process Models - The present disclosure involves systems, software, and computer implemented methods for providing automatic identification of semantically coherent, user-aligned fragments in business process models. One process includes operations for identifying a hierarchy of process fragments in a business process model associated with a user. At least one process metadata category associated with a role of the user is determined. A score for each process fragment in the hierarchy of process fragments is computed, the score computed based at least in part on a probable level of interest in the at least one process metadata category for the role of the user. At least one process fragment in the hierarchy of process fragments for inclusion in a view of the business process model to be presented to the user, the selection based at least in part on the score computed for the at least one process fragment. | 2013-01-03 |
20130006888 | Autotagging Business Processes - A method of autotagging business processes for monitoring analysis of an IT system within an organization is provided herein. The method includes the following stages: modeling an IT system associated with one or more business processes, into a model representing the business processes as process instances; tracking a flow of information entities throughout nodes located along the process instances; extracting, at each one of the nodes, metadata associated with each one of the information entities flowing through the process instance; aggregating over time, the extracted metadata being associated with its respective node and process instance; and visually representing the aggregated metadata in association with its respective business processes, based on the model. | 2013-01-03 |
20130006889 | Compliance and credit attribute system and method - A computer system and method for managing information related to compliance and credit attribution for fixed income securities. A computer system identifies CUSIP information for securities included in a user fixed income security portfolio and retrieves bond attribute information for the identified CUSIP information along with economic and demographic data. Risk credit notices are identified for the CUSIP information and a user report is generated indicating the retrieved bond attribute information, economic and demographic data and identified risk credit notices for the identified CUSIP information. | 2013-01-03 |
20130006890 | Method for Combining the Management and Administration of Mutual Fund and Exchange-Traded Fund Assets Using a Master-Feeder Arrangement - A Mutual fund and ETF master-feeder arrangement includes a Mutual Fund module for a feeder mutual fund that issues and redeems mutual fund shares in transactions with investors primarily for cash, an ETF module for a feeder ETF that issues and redeems ETF shares in transactions with Authorized Participants through in kind transfers, and a Master Portfolio module for a master portfolio that issues and redeems interests through in-kind transactions with the Mutual Fund and the ETF. The Mutual Fund applies cash invested by mutual fund investors to purchase securities in accordance with an asset configuration communicated by the master portfolio; and the ETF conforms the composition of assets received in in-kind transactions to the asset configuration. The Mutual Fund and the ETF increase interests in the master portfolio by contributing assets, wherein transactions in securities to accommodate feeder fund inflows occur outside of the master portfolio. | 2013-01-03 |
20130006891 | SYSTEM AND METHOD FOR ACCESSING AND DISPLAYING DATA RELATING TO FINANCIAL SECURITIES - A computer system for furnishing data relating to investments has a processor and one or more memory storage devices in communication with the processor. Data relating to investments is stored in the one or more memory storage devices. A catalog includes at least data stored in at least one of the one or more memory storage devices, the data including at least logical locations for the data relating to investments. The processor is adapted to execute services for calling to the catalog for locations of the data, and, employing at least logical locations of the selected data obtained from the catalog, access the selected data from at least one of the memory storage devices, perform one or more operations on the selected data, and provide the selected data for display to a user. | 2013-01-03 |
20130006892 | SYSTEM AND METHOD FOR PROCESSING DATA RELATED TO CHARGES APPLICABLE TO INVESTMENT ACCOUNTS - A system for data processing for an account of a financial product has a processor and a memory. The processor receives an account value and a charge applicable to the account based on a fraction of the value of the account; on a basis of a second period, shorter than a first period. Throughout the first period, the processor calculates a fractional charge based on the value of the account, and updates the account value by decrementing the account value in the amount of the fractional charge. At the end of the first period, the processor compares a charge for the first period based on the account value on one day during the first period to a sum of the fractional charges for the first period, and increases the account value by the difference if the first period charge is less than the sum of the fractional charges. | 2013-01-03 |
20130006893 | TARGETED DIVIDEND REINVESTMENT PLANS AND METHODS OF ESTABLISHING SAME - A method of establishing a targeted dividend reinvestment plan associated with environmental management projects, and financial securities generated therein. in one embodiment, the method comprises steps of providing a dividend reinvestment plan, identifying at least one environmental management project, generating financial securities (e.g. “green” shares or other financial instruments) associated with the environmental management project(s), receiving a direction from investors participating in the dividend reinvestment plan to invest funds through a purchase by the investor of financial securities associated with the environmental management projects, issuing the financial securities to investors, and allocating the funds to the environmental management project(s). | 2013-01-03 |
20130006894 | SYSTEM FOR CALCULATING THE COST-PER-UNIT OF INK - A computer receives information about ink usage by a printing device over a period of time. The computer calculates a cost-per-unit of ink for the printing device based on a cost of printer sustainment and based on the ink usage information. The computer may output the cost-per-unit of ink on an external device. | 2013-01-03 |
20130006895 | Business Method Patent for determining the Financial Viability of Constructing a Recreation Center and a Flexible Commercial Center known as the ROCC - A Business Method Patent for determining the Financial Viability of Constructing a Recreation Center and a Flexible Commercial Center known as the ROCC. The complex device is a one of a kind world class facility that will have a positive impact on wellness, fitness, and the economy of the entire community. Included with this complex is a COMMUNITY CENTER that is a private business. The primary goal of the-ROCC is to create a positive impact on the community. The-ROCC will help promote youth, adult, and family wellness; provide one centralized location for community events and will help spur additional, residential and commercial growth. | 2013-01-03 |
20130006896 | Training Datasets for Memory Devices - Methods and systems involve the use of training datasets to determine one or more reference voltages used to read data in a memory unit. Approaches for accessing a memory device having multiple memory units includes storing a training dataset comprising at least one of a known data pattern and a codeword capable of being decoded in a training dataset field of each memory unit of a memory device. One or more reference voltages are determined using the training dataset stored in the memory unit. After the reference voltages have been determined using the training dataset, these reference voltages are used to read other fields of the memory unit. | 2013-01-03 |
20130006897 | PREDICTING USER NAVIGATION EVENTS - A method and system for predicting a next navigation event are described. Aspects of the disclosure minimize the delay between a navigation event and a network response by predicting the next navigation event. The system and method may then prerender content associated with the next navigation event. For example, the method and system may predict a likely next uniform resource locator during web browsing to preemptively request content from the network before the user selects the corresponding link on a web page. The methods describe a variety of manners of predicting the next navigation event, including examining individual and aggregate historical data, text entry prediction, and cursor input monitoring. | 2013-01-03 |
20130006898 | SYSTEM, METHOD AND COMPUTER PROGRAM PRODUCT FOR IDENTITY INFERENCE IN A USER DEVICE - Methods, systems and computer program products to allow a user to identify himself to a content provider, without having to explicitly perform a log in process or other identification and authentication process. By manipulating a user device such as a remote control, a profile of the user may be constructed, where the profile includes a representation of how the individual user typically manipulates the device. The profile includes a feature vector that is a function of the number of times that individual buttons are pressed. The construction of the feature vector may be viewed as a training or learning phase. Once the profile and feature vector are constructed, the user's interaction with the device in a subsequent session may be captured and compared with the profile. This may allow identification of the user, in turn allowing content to be tailored in a manner specific to this user. | 2013-01-03 |
20130006899 | Activity Recognition in Multi-Entity Environments - A physical environment is equipped with a plurality of non-obtrusive sensors (e.g., motion sensors). As a plurality of residents perform various activities within the physical environment, sensor readings are received from one or more of the sensors. Based on the sensor readings, each of the plurality of residents is identified and locations of each of the plurality of residents are tracked. | 2013-01-03 |
20130006900 | Event Prediction Using Hierarchical Event Features - Event prediction using hierarchical event features is described. In an embodiment a search engine monitors search results presented to users and whether users click on those search results. For example, features describing the search result events are universal resource locator prefix levels which are inherently hierarchically related. In an embodiment a graphical data structure is created and stored and used to represent the hierarchical relationships between features. An online training process is used in examples which enables knowledge to be propagated through the graphical data structure according to the hierarchical relations between features. In an example, the graphical data structure is used to predict whether a user will click on a search result and those predictions are used by the search engine to rank search results for future searches. In another example the events are advertisement impressions and the predictions are used by an online advertisement system. | 2013-01-03 |
20130006901 | SPECULATIVE ASYNCHRONOUS SUB-POPULATION EVOLUTIONARY COMPUTING - A tool computes fitness values for a first generation of a first sub-population of a plurality of sub-populations. A population of candidate solutions for an optimization problem was previously divided into the plurality of sub-populations. The population of candidate solutions was created for an iterative computing process in accordance with an evolutionary algorithm to identify a most fit candidate solution for the optimization problem. The tool determines a speculative ranking of the first generation of the first sub-population prior to the fitness values being computed for all candidate solutions in the first generation of the first sub-population. The tool generates a next generation of the first sub-population based, at least in part, on the speculative ranking prior to completion of computation of the fitness values for the first generation of the first sub-population. | 2013-01-03 |
20130006902 | SPECULATIVE ASYNCHRONOUS SUB-POPULATION EVOLUTIONARY COMPUTING - A tool computes fitness values for a first generation of a first sub-population of a plurality of sub-populations. A population of candidate solutions for an optimization problem was previously divided into the plurality of sub-populations. The population of candidate solutions was created for an iterative computing process in accordance with an evolutionary algorithm to identify a most fit candidate solution for the optimization problem. The tool determines a speculative ranking of the first generation of the first sub-population prior to the fitness values being computed for all candidate solutions in the first generation of the first sub-population. The tool generates a next generation of the first sub-population based, at least in part, on the speculative ranking prior to completion of computation of the fitness values for the first generation of the first sub-population. | 2013-01-03 |
20130006903 | SYSTEM AND METHOD FOR PREDICTIVE ANALYTICS IN AN ELECTRICAL GRID NETWORK - Systems and methods for performing predictive analytics in an electrical grid network are disclosed. In one example of the disclosed technology, a method comprises aggregating a plurality of events from an electrical grid network, analyzing the plurality of events to recognize at least one event pattern, serializing at least one of the event patterns in a database, and predicting a future event pattern based on a correlation of the plurality of event patterns. | 2013-01-03 |
20130006904 | PERSONAL LONG-TERM AGENT FOR PROVIDING MULTIPLE SUPPORTIVE SERVICES - A long-term personal agent program, executable as network service and/or on one or more user computing devices and related method for identifying opportunities and making recommendations on behalf of one or more users, are disclosed herein. In one example, the personal agent program includes a monitoring engine configured to monitor and interpret a user's activities over time with a plurality of sensing and logging methodologies according to user authorization, the use of statistical methods for learning to understand a user's goals and behavioral patterns from data, and the use of procedures for computing the expected value of information guiding sensing and logging in different contexts. The personal agent further may include a recommendation methodology configured to make suggestions and to take actions on behalf of the user, in the present moment as well as for future times, based on inferences about user goals and opportunities in the world. | 2013-01-03 |
20130006905 | SYSTEM AND METHOD FOR RECOMMENDING KEYWORD BASED ON INDIRECT SELECTION - A system to recommend a keyword includes a verifying unit to determine whether a keyword is a direct click keyword by referring to a click log and to determine whether the keyword is an indirect click keyword by referring to a third universal resource locator (URL) selected using the direct click keyword, wherein the direct click keyword is a keyword used to select a first URL on a computing device and the indirect click keyword is a keyword used to select a second URL on the computing device; and a keyword recommending unit to recommend the determined indirect click keyword. A method for recommending a keyword includes determining whether a keyword is a direct click keyword by referring to a click log; determining whether the keyword is an indirect click keyword by referring to a third URL selected using the direct click keyword; and recommending the determined indirect click keyword. | 2013-01-03 |
20130006906 | Knowledge Transfer in Smart Environments - Activity templates are generated from one or more existing smart environments (e.g., source spaces) based on sensor data from the one or more existing smart environments that corresponds to known activities. A target activity template is then generated for a new smart environment, e.g., the target space. The source space activity templates are then mapped to the target activity templates to enable recognition of activities based on sensor data received from the target space. | 2013-01-03 |
20130006907 | DISPLAYING RESOURCES BASED ON SHARED CONTEXTS - A user data engine residing on an endpoint machine generates a current user context reflecting a specific flow of operations performed by an end-user when interacting with a software application. A context engine residing on a sever machine compares the current user context to one or more stored user contexts included in a context database and generates a similarity value based on each comparison. A resource engine identifies resources in a resource database that are associated with the stored user contexts and then generates a relevance score for each resource based on the similarity scores corresponding to the stored user contexts with which those resources are associated. The resource engine transmits a resource list reflecting the identified resources to the user data engine based on the relevance scores. The user data engine displays on a display screen of the endpoint machine information associated with resources reflected in the resource list. | 2013-01-03 |
20130006908 | FSTP EXPERT SYSTEM - A computer-implemented method using a computer-based FSTP expert system. The method manages an analysis of a claim in an endeavor p and a technical teaching TT.p underlying the endeavor over at least one document i in a reference set (RS) of documents and the technical teaching TT.i underlying the at least one document. The method comprises receiving at least one Pair of TT.p and the Reference Set (PTR). The user generates at least one anticipation combination (AC) based on the PTR An anticipation deficiency is evaluated for the at least one AC. At least one AC is identified wherein after a minimal number of conceptual modifications the TT.p is anticipated. A numerical semantic height of the TT.p over the RS of documents i is computed based on the number of conceptual modifications identified. A numerical pragmatic height of the TT.p over the RS is computed. | 2013-01-03 |
20130006909 | PATTERN-REGOGNITION PROCESSOR WITH MATCHING-DATA REPORTING MODULE - Disclosed are methods and devices, among which is a device that includes a pattern-recognition processor. The pattern-recognition processor may include a matching-data reporting module, which may have a buffer and a match event table. The buffer may be coupled to a data stream and configured to store at least part of the data stream, and the match event table may be configured to store data indicative of a buffer location corresponding with a start of a search criterion being satisfied. | 2013-01-03 |
20130006910 | CLINICAL DECISION SUPPORT SYSTEMS, APPARATUS, AND METHODS - A system includes a centralized repository for tracking rule content and managing subscriptions to rule content by organizations and providers utilizing the system; a rule-evaluation server for receiving requests for rule-evaluations for specific patients, wherein the server determines content needing to be evaluated and retrieves the content to be used; a rule engine for performing the evaluations, wherein content, patient data, and rule evaluation parameters are provided to the engine, and the engine returns recommendations triggered by the evaluation, if any; an aggregator for aggregating recommendations from multiple sources, detecting and coordinating related recommendations, and applying configuration settings based on the patient and/or provider in context; and a client component for coordinating communication between an electronic health records system, the server, and the aggregator. | 2013-01-03 |