| 02nd week of 2013 patent applcation highlights part 56 |
| Patent application number | Title | Published |
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| 20130013435 | SYSTEM AND METHOD FOR PROGRAMMING POINT OF SALE DEVICES - A system for programming point of sale devices is provided. The system includes a terminal programming system that can program point of sale devices provided by different manufacturers and having different proprietary operating systems. A communications interface is connected to the terminal programming system that receives update requests from the plurality of point of sale devices, such as when the point of sale devices call in to the system or when the point of sale devices respond to a poll. | 2013-01-10 |
| 20130013436 | MANAGEMENT SYSTEM AND METHOD FOR PERSONAL PER-CARD USE SUBACCOUNT TRANSACTION FINANCIAL MANAGEMENT - A computer system for processing purchase transaction payments with user oriented personal financial management support having a database with primary accounts each with a plurality of subaccounts each having a subaccount indicator and a user defined funding level, receiving a financial purchase transactions payment request for payment authorization of a financial purchase transaction payment associated with an activity of the user including a financial purchase transaction amount, the primary account number, and a user selected subaccount indicator, verifying the received financial purchase transaction amount is within the received funding level for the subaccount associated with the received user selected subaccount indicator contained within the received payment request in near real time; and transmitting a financial purchase transaction authorization in response in near real time to a positive verification that the received financial purchase transaction amount is within the funding level of the subaccount associated with the received subaccount indicator. | 2013-01-10 |
| 20130013437 | System for Packaging, Processing, Activating, and Deactivating Multiple Individual Transaction Cards as a Singular Unit - A transaction card processing and activation system comprising the identification of a unique identifier corresponding to an aggregate of transaction cards of affiliated or non-affiliated card issuers and the activation of each transaction card corresponding to the unique identifier of the aggregate irrespective of the number, types, or card issuers of the transaction cards. Additionally, the present invention allows a point of sale entity to initiate the activation of each of the multiple, disparate transaction cards in the aggregate by merely processing the unique identifier associated with the aggregate. | 2013-01-10 |
| 20130013438 | Grouping Method for Group-buying Based on Wireless Communication Protocol - When a customer who encounters a specific type of merchandise he/she wants by accident, he/she is able to use his/her wireless mobile device to ask for agreements from mobile electronic devices of neighboring people who want the same type of merchandise and to group his/her mobile electronic device with mobile electronic devices of people who respond with agreements, where the mobile electronic devices are grouped by using a wireless communication protocol. With the aid of grouping those people who want the specific type of merchandise, a group-buying action can be initiated, and a discount of the specific type of merchandise can be retrieved by the grouped people. | 2013-01-10 |
| 20130013439 | Collective Purchase Management System - A computer implemented method and system for managing a collective purchase of a sale item in an interactive environment, provides a reverse auction management platform to buyers and sellers. A lead buyer selects a sale item via a graphical user interface of the reverse auction management platform and initiates a deal. The reverse auction management platform acquires deal information and a price range for the selected sale item from the lead buyer and creates a deal group for the selected sale item. The reverse auction management platform finalizes the deal based on deal finalization criteria and initiates bidding among the sellers of the selected sale item based on the deal information, the price range, and the finalized deal, to select one or more sellers based on the bidding and/or predetermined seller selection criteria for supplying the selected sale item to the deal group for a price within the price range. | 2013-01-10 |
| 20130013440 | METHODS AND SYSTEMS FOR SUPPORTING ASSET EXCHANGE - In typical two-way trading systems, bidders cannot trade directly with other bidders, and sellers cannot trade directly with other sellers, resulting in possible missed trading opportunities. Methods, systems, devices, and networks for enabling two-way trading systems to perform multi-party exchanges are disclosed. Example embodiments allow multiple bidders (buyers), multiple sellers, or a seller and bidder of separate marketplaces to trade among themselves. Embodiments may discover, for bidders and sellers, opportunities to trade with other sellers or bidders, or both, without a time-consuming and limited process of searching and discovering relevant opportunities. Bidders and sellers may not find such opportunities on their own in typical two-way trading systems. The embodiments may be implemented as stand-alone systems or as add-ons that may be used to augment or enhance existing two-way trading systems. | 2013-01-10 |
| 20130013441 | TRANSACTION SERVICES REVERSE AUCTION - A reverse auction platform for selecting a transaction service is provided. The platform may include a database configured to store a request for a transaction service and to store fee bids corresponding to the transaction service. The platform may also include a memory configured to store execution instructions as well as a processor coupled with the database and the memory. The processor may be configured to execute the instructions. The instructions may be configured to cause the processor to receive a request for a transaction service; to present the request; and to select a transaction service based on a fee bid corresponding to the transaction service. | 2013-01-10 |
| 20130013442 | REAL TIME CONFIGURATION AND PROVISIONING FOR A CARRIER ETHERNET EXCHANGE - An Ethernet switch platform is configured to receive and process a provisioning order to establish a logical virtual circuit interconnecting a physical port associated with a buying carrier and a physical port associated with a selling carrier to set up a private network to private network connection between the buying and selling carriers. The virtual circuit is established with parameters called for in a request for quote (RFQ) initiated by the buying carrier and in a response to the RFQ submitted by the selling carrier. Information from the RFQ and from the response together with information previously stored in a relational database is extracted and used to fill out the provisioning order. The information extracted from the database include profile information and network service information associated with the buying and selling carriers. | 2013-01-10 |
| 20130013443 | METHOD AND SYSTEM FOR PROVIDING A REVERSE AUCTIONING RECRUITING EXCHANGE - An internet-based competitive pricing and bidding transaction system includes one or more transaction processing servers that interface and communicate over the internet with client computer systems of prospective online recruiting organizations, recruiting and staffing professionals and a plurality of related information databases. The transaction processing system handles online communications and procedures for conducting reverse auctions for delivery of staffing services and maintains a registration database of service providers and prospective customers of those services (recruiting organizations). Information relative the performance of the service provider is collected for each transaction and is used to create an automated recommendation that is provided to the requester of a staffing service, which results in the selection of a unique and exclusive service provider. Methods for managing collaboration among service providers are provided, which include notification, sub-provider selection and fee splitting management. | 2013-01-10 |
| 20130013444 | Service Selection for Reduced Composition Cost - It is described a concept for a service selection of at least two services of a composite service wherein a composite service description ( | 2013-01-10 |
| 20130013445 | SYSTEM AND METHOD FOR PRODUCING AN ALBUM - A computerized method may be used to create a photograph album from a digital photograph source. The method includes receiving an input selection from a user, which is entered through a computing device. The method also includes retrieving photographs and contextual content from a digital photograph database stored on a second computing device. The method also includes the one or more photographs and contextual content in a photo album. The method also includes compiling the photographs and contextual content into an arrangement. Finally, the method includes creating a finalized version of the photograph album. | 2013-01-10 |
| 20130013446 | Product Configuration Server For Efficiently Displaying Selectable Attribute Values For Configurable Products - A computer-implemented system leverages binary decision diagram (BDD) structures to provide selectable attribute values for one or more configurable products. The BDD structures may define offering attribute nodes and non-offering attribute nodes. The offering attribute nodes may represent product attribute values selectable by the user based on product configuration rules, and the non-offering attribute nodes may represent product attribute values not selectable by the user based on the product configuration rules. The computer-implemented system may further include at least one memory storage device that stores one or more product configuration rules used to define permissible product configurations and attributes of the products. By evaluating the BDD structures and the product configuration rules, the computer-implemented system may prepare a customized set of product records for transmission to a user, wherein the customized set of product records contains product attribute values corresponding to the offering attribute nodes. | 2013-01-10 |
| 20130013447 | SYSTEM AND METHOD FOR DETERMINING THE BEST SIZE OF PRODUCTS FOR ONLINE AND OFFLINE PURCHASE - An apparel item sizing process for ascertaining best fitting apparel items from a plurality of product offerings, the process includes collecting apparel item details by inputting into an electronic database apparel item details for a plurality of brand manufacturers or retailer. The process further includes the apparel item details of at least one item type, brand name, brand line, pricing, dimensions, color, potential popularity based on reviews, location, and ratings. The process utilizes an computational analysis system to determine a closeness of fit score of one or more apparel items of interest to a reference apparel item utilizing the collected apparel item details. The reference apparel item is an item known to fit a customer based upon prior experience and the closeness of fit score is derived from a formula utilizing at least one critical dimension that is key to the satisfaction of the customer. | 2013-01-10 |
| 20130013448 | BEHAVIORAL FILTER FOR PERSONALIZED RECOMMENDATIONS - This disclosure describes systems and associated methods that can selectively filter seed behavior, e.g., user activity used to generate item recommendations. In some embodiments, seed behaviors and catalog items are associated with categories in an electronic catalog, and a particular seed behavior is used to generate user recommendations if it is more recent than a user's last purchase in the category of the seed behavior. For example, a user's activity in the TV category, e.g., viewing various TV models, may not be used to generate recommendations if the activity occurred prior to the user's purchase of a TV. As a result, in certain embodiments, additional TVs may not appear in the user's recommendations following her purchase, reflecting that the user has fulfilled her desire to purchase a TV. | 2013-01-10 |
| 20130013449 | SYSTEM AND METHOD FOR PROVIDING COMBINATION PACKAGES - In various exemplary embodiments, a system and method to provide customized combination packages is disclosed. The method includes receiving a selection of a plurality of items from a potential buyer, the selection of the plurality of items creating a customized combination package. Available transaction history for past transactions of similar items to the items of the customized combination package is provided to the potential buyer. An offer from the potential buyer is then received and provided to a seller selling the plurality of items for consideration. | 2013-01-10 |
| 20130013450 | E-COMMERCE CONTENT MANAGEMENT SYSTEM FOR DYNAMIC VENDOR SUBSTITUTION - An e-commerce content management system generates at least one Website that permits configuration of the Website for dealer self-routing, user directed vendor substitution, destination routing and dynamic vendor substitution routing. The e-commerce content management system allows a user to configure the system, including a Website, such as configuring a dealer Website as part of an ecosystem that includes an alliance of dealers, manufacturers, shippers and other participants that fill orders. The ecosystem integrates orders processed through a business process management kernel operating on one or more computers. | 2013-01-10 |
| 20130013451 | Optimum Route Generation Based on Common Purchase Plan of Different Travelers - A computer implemented method is provided to manage travel for purchasing items. A computer system identifies items for purchase by a group of people. The computer system identifies a set of requirements for the items. The computer system retrieves information about available items at locations for purchasing the items. The computer system can then generate a set of routes for the group of people that includes at least a portion of the locations for purchasing the items based on the set of requirements for the items, and the information about the available items at the locations for purchasing the items. | 2013-01-10 |
| 20130013452 | SYSTEM AND METHOD FOR INTERACTIVE MARKETING TO CONSUMERS - A system and method for interactive marketing to consumers and, more particularly, to a system and method for marketing merchandise to consumers in an interactive retail environment. The method includes detecting a disturbance in an area and sending information related to the disturbance to a back end merchandising system. The method further includes retrieving relevant information related to the detected disturbance from the back end merchandising system and displaying the relevant information on a display surface. | 2013-01-10 |
| 20130013453 | E-COMMERCE CONTENT MANAGEMENT SYSTEM FOR USER DIRECTED VENDOR SUBSTITUTION - An e-commerce content management system generates at least one Website that permits configuration of the Website for dealer self-routing, user directed vendor substitution, destination routing and dynamic vendor substitution routing. The e-commerce content management system allows a user to configure the system, including a Website, such as configuring a dealer Website as part of an ecosystem that includes an alliance of dealers, manufacturers, shippers and other participants that fill orders. The ecosystem integrates orders processed through a business process management kernel operating on one or more computers. | 2013-01-10 |
| 20130013454 | E-COMMERCE CONTENT MANAGEMENT SYSTEM FOR DESTINATION ROUTING - An e-commerce content management system generates at least one Website that permits configuration of the Website for dealer self-routing, user directed vendor substitution, destination routing and dynamic vendor substitution routing. The e-commerce content management system allows a user to configure the system, including a Website, such as configuring a dealer Website as part of an ecosystem that includes an alliance of dealers, manufacturers, shippers and other participants that fill orders. The ecosystem integrates orders processed through a business process management kernel operating on one or more computers. | 2013-01-10 |
| 20130013455 | METHOD, MEDIUM, AND SYSTEM FOR UNIVERSAL SHOPPING CART ORDER INJECTION AND PAYMENT DETERMINATION - A universal shopping cart is provided that obtains and orders products and services from different merchants located on the Internet. The consumer completes all of their shopping on the shopping site and is not directed to another merchant's site to complete an order. The universal shopping cart provides a monitoring service that allows the consumer to monitor a product for specified criteria. The order injection system places orders for products contained within the universal shopping cart from affiliated and non-affiliated merchants. Specific ordering details required from merchants external to the shopping site are hidden from the consumer. For external merchant sites that require a consumer account before allowing the product to be purchased, the shopping site creates a new consumer account without intervention from the consumer. Once the products are ordered, the consumer may keep track of the ordered products from the shopping site. | 2013-01-10 |
| 20130013456 | E-MAIL INVOKED ELECTRONIC COMMERCE - A system and method for electronic commerce allowing consumers to purchase items over a network and merchants to receive payment information relating to the purchases. The system includes a server configured to gather purchasing information from a consumer to complete a purchasing transaction. The system has a consumer data structure that stores purchasing information for registered consumers. The server is able to access the consumer data structure and enter the consumer's purchasing information during subsequent purchases such that the consumer does not have to enter the same information every time they purchase an item over the network. In alternate embodiments, the same technology can be applied to other arenas where a user may have to enter the same repetitive information. In addition, consumers can register with the consumer information server prior to making purchase. | 2013-01-10 |
| 20130013457 | SOCIAL NETWORK INFORMATION SYSTEM AND METHOD - The present invention is embodied in methods and system for obtaining information about a category of interest from a computer network. The method includes receiving an information request from a user, the information request specifying a category, identifying a first set of one or more users within a user network of the user, each user in the first set associated with the category and established as a trusted information resource contact of the user for the category, and identifying a second set of one or more users within a user network of one or more users of the first set, each user in the second set associated with the category and established as a trusted information resource contact of the one or more trusted information resource contacts of the first set for the category. | 2013-01-10 |
| 20130013458 | IDENTIFYING SIMILAR ITEMS BASED ON GLOBAL INTERACTION HISTORY - One embodiment sets forth technique for computing a similarity score between two digital items is computed based on interaction histories associated with global users and interaction histories associated with local users. Global counts indicating the number of interactions associated with each unique pair of digital items are weighted based on a mixing rate. The weighted global counts are then combined with local counts to compute total counts. An effective interaction probability indicating the likelihood of a user interacting with one digital item in the pair of digital items after interacting with the other digital item in the pair is computed based on the total counts. The effective interaction probability is then corrected for noise, resulting in a similarity score indicating the similarity between the pair of digital items. | 2013-01-10 |
| 20130013459 | DYNAMIC PRICING OF ONLINE CONTENT - In various embodiments, the present disclosure provides a method, apparatus, and system for dynamically pricing online content. The method may include determining a geographic location of a user consuming or interested in consuming an online content hosted by the service provider. At least one price point may be determined at which to offer to the user rights to consume the online content or virtual goods associated with the online content. The price point may be tailored for the geographic location to increase likelihood of acceptance of the offer by the user. The price point may be presented to the user. Other embodiments may be disclosed and/or claimed. | 2013-01-10 |
| 20130013460 | Virtual Concierge Search Assistant - An enhanced search tool, equipped to perform advanced internet-based searches on a secured server computer, based on explicit and specific criteria provided by the user, fashioned to search a preferably e-retailer's specified website, or set of websites, for a service or commonly discontinued or out-of-stock product repetitively at a user-defined frequency until the specified product or service is found with the specific qualities required. Results are reported to the user via email or other electronic means. In the event that the performed searches do not return results within a user-defined period, the search may then automatically be refined by user-defined settings, adjusting to accommodate a broader range of products, enacted in subsequent search phases. | 2013-01-10 |
| 20130013461 | GPS-based Rapid Permit and License Purchase and Control System - A wireless system permitting transactions between consumers and controlling entities, allowing the purchase of temporary licenses to pursue recreational activities, park vehicles, utilize controlled facilities, gain exceptions to restrictions, and make donations to not-for-profit entities. | 2013-01-10 |
| 20130013462 | EXTENSIBLE SUPPORT SYSTEM FOR SERVICE OFFERINGS - Techniques are disclosed for integration, provisioning and management of entities and processes in a computing system such as, by way of example only, business entities and business processes. In particular, techniques are disclosed for implementing an extensible support system for multiple service offerings. For example, such a support system can be a business support system which may be employed in conjunction with a cloud computing environment. | 2013-01-10 |
| 20130013463 | Process for barter of virtual goods - Means of trading of virtual goods | 2013-01-10 |
| 20130013464 | SYSTEM AND METHOD FOR INTERACTING WITH ITEM CATALOGS - A system and method are provided for presenting large numbers of items on a display screen. In particular, a display is created of a set of items in a catalog containing item information such as item image data and item description. The method includes generating the set of items based on a first relationship, such as a function that maximizes similarity, and storing them as a set of ordered items; selecting a first item and storing it in a set of placed items; placing image data for the first item in the display; and for each of the remaining items, selecting a next item and placing the image data for the next item at a position in the display according to a second relationship between a description of the next item and descriptions of the set of placed items. | 2013-01-10 |
| 20130013465 | Video E-Commerce - Video e-commerce network, module and methods. In one embodiment, a product/service catalog which includes a video playlist, is delivered to a viewer via a published video e-commerce module. In one embodiment, the catalog is customized based on the website that published the module and/or the viewer of the module. In one embodiment, the viewer may complete the purchase of a product/service in the catalog within the module. | 2013-01-10 |
| 20130013466 | MANAGEMENT OF LOSS RECONCILIATION DATA - A cargo management system receives parcel data associated with cargo on a vessel. The parcel data may include bill of lading date, successor and predecessor data, cargo type data, and the like. The cargo management system identifies parcels that may be related, performs a parcel validation on the identified parcels, and receives or determines a relationship between the parcels. Then, the cargo management system performs voyage validation on the related parcels to create a voyage. The cargo management system then calculates a loss associated with each parcel, between parcels, and the entire voyage. | 2013-01-10 |
| 20130013467 | Method 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. | 2013-01-10 |
| 20130013468 | Generating 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. | 2013-01-10 |
| 20130013469 | SYSTEM 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. | 2013-01-10 |
| 20130013470 | METHODS 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. | 2013-01-10 |
| 20130013471 | LOCATION-BASED TAX RATE ACQUISITION AND MANAGEMENT - Various embodiments are provided for location-based tax rate acquisition and management. Acquisition comprises access to various types of tax rates (sales tax rates, use tax rates, specialty tax rates, user-defined tax rates, etc.) for one or more tax jurisdictions in a geographical or geopolitical area. In one aspect, acquisition can comprise a monitoring service to track changes in tax information, such as tax rates, for a specific location, changes in tax rates for a specific jurisdiction, or changes in tax jurisdiction boundaries. | 2013-01-10 |
| 20130013472 | Processing Payment Transactions Between Enterprise Resource Planning Systems - In some embodiments, a method for processing a payment transaction comprises receiving, by a payor an invoice generated from a first enterprise resource planning (ERP) system operated by a payee. The first ERP system formatted the invoice in a first format. The invoice is stored in a second format compatible with a second ERP system. The invoice has been converted from the first format to the second format, which is different from the first format. Approval of the invoice is received through the second ERP system. Authorization instructing a financial institution to transmit a payment to the payee is generated and transmitted to the financial institution. Confirmation of the payment to the payee is generated and transmitted to the payee. | 2013-01-10 |
| 20130013473 | APPARATUS, METHODS AND COMPUTER PROGRAMS FOR METERING AND ACCOUNTING FOR SERVICES ACCESSED OVER A NETWORK - Apparatus, methods and computer programs provided for metering and accounting in a commercial e-services infrastructure address the requirement for handling composite services in which higher-level services are built using simpler underlying services, each of which may be autonomously owned and operated. Metering records for each service underlying a composite service are correlated by a process associated with the composite service, and then sent to an accounting service where they can be aggregated. The correlation is performed in a distributed manner with correlated usage data provided on a per-request basis. Accounting services can take account of the usage and charges associated with the underlying services to provide accounting and billing on a per-request basis or per customer-provider pair for a billing period. | 2013-01-10 |
| 20130013474 | System and method for modifying an index-based hierarchal cost model of a complex system - A method is provided of modifying a hierarchal cost model of a multi-component system over a time period of the model extending from a historical time to a future time, wherein the model is built from item cost indices, each of which is built from one or more commodity price indices created from market data. The model is stored in memory of a computer system that includes a processor, a user input device and a display. The method includes the steps of selecting an item from the model, selecting a time from the model time period (the selected item time), and inputting a user selected cost of the item for the selected time. The processor modifies the item price index to create a custom item price index based on the input item price, the selected item date, and the item's constituent cost indices, and stores the custom price index in the memory. The method may further include modifying the cost model to create a custom cost model based on the custom item price index, and storing the custom cost model in memory. The custom item price index and all aspects of the custom model can then be used and displayed as before. | 2013-01-10 |
| 20130013475 | Issue Resolution - Systems and methods of resolving identified issues are provided. In at least some examples, the systems and methods may include receiving an identified issue, such as at an issue resolution system, and receiving one or more parameters associated with the identified issue. In some examples, the parameters may be hierarchical. The systems and methods may further include automatically generating a receipt associated with the issue and including a due date for resolution of the issue. The systems and methods may further include automatically routing the identified issue to a resolution group for resolution. In at least some examples, the systems and methods may include dynamically modifying aspects of the issue resolution system. For instance, the systems and methods described herein may include authenticating a user of a dynamic modification system and, upon authenticating the user, receiving one or more modifications to one or more aspects of the system. The modifications may be accepted and implemented in real-time or near real time. | 2013-01-10 |
| 20130013476 | MOVING A FINANCIAL ACCOUNT FROM ONE ENTERPRISE TO ANOTHER - According to some embodiments, a system includes an interface and one or more processors. The interface receives a request from a user to move a first account associated with a first enterprise to a second enterprise where the user has at least one account. The processor(s) determine first configuration settings associated with the first account. The processor(s) create a second account at the second enterprise, select second configuration settings based on the first configuration settings, and apply the second configuration settings to the second account. | 2013-01-10 |
| 20130013477 | SYSTEM AND METHOD OF EXCHANGING FINANCIAL SERVICES INFORMATION AND OF COMMUNICATION BETWEEN CUSTOMERS AND PROVIDERS - One embodiment of the invention is a financial services information service that allows financial service customers to securely post their financial needs and to impart instructions pertaining to suppliers of financial services reviewing said needs. Intending to identify new transactions and acquire new customers, financial service providers review needs posted by costumers in the customer database. Providers select the entries of interest and can purchase the legal names of customers associated with specific needs. Business method intends fee charges to be attractive to providers of financial services in view of typical customer acquisition costs and to promote selectivity and to avoid abuses by providers. For additional fees providers can also send high customized messages to potential customers in order to maximize attractiveness of initial contact. Invention also creates a ratings and review method intended to differentiate providers and reward financial services providers worldwide committed to excellent service. Customers remain empowered during the process by selecting and excluding providers accessing information about their posted needs and ultimately deciding which providers will obtain their contact information. The system provides a method for the customers and providers to communicate and for third parties to advertise. | 2013-01-10 |
| 20130013478 | SYSTEM AND METHOD FOR INCENTIVIZING RETIREMENT SAVINGS - Systems and methods are provided to facilitate incentivization for participation in a financial plan, such as a retirement savings plan. Incentives are provided to encourage increased contribution and activity with the financial plan, with the goal of accumulation of enough assets to ensure future financial security, such as provision of adequate retirement income. Incentives can be provided by third party providers such as coupons, merchandise, services, etc. In return for provision of such incentives, third party providers can receive data, etc., in return, where the data can provide information on who is using their incentive, etc., which the third party provider can utilize as part of a marketing operation, for example. Hence the costs of the incentives are offset by the data provided. | 2013-01-10 |
| 20130013479 | AUTHORIZATION REQUEST FOR FINANCIAL TRANSACTIONS - Embodiments of the present invention provide a method, system, and computer program product for authorizing a financial transaction. A financial institution can identify financial risk associated with the financial transaction based on product details. The product details are sent to the financial institution by a merchant along with the authorization request. The financial institution, then, notifies the merchant regarding authorization of the financial transaction based on the risk assessment. Finally, the merchant fulfills or terminates the financial transaction based on the notification received regarding authorization request. | 2013-01-10 |
| 20130013480 | OPERATION OF A MOBILE COMMUNICATION DEVICE - A method of operating a mobile communication device to communicate with a remote server includes providing software on the mobile device to input data relating to a payment card, authenticating the data relating to the payment card with an authentication authority, and providing by means of the software at least means to selectively set permissions on the remote server in respect of an account associated with the card. | 2013-01-10 |
| 20130013481 | Computerised Method and System for Trading Credit Default Swap Combinations - A computerised trading system comprises a multi-instrument trading platform including a matching engine and a price feed. The matching engine trades credit default swaps as well as the reference instruments from which they are derived. A price feed generates a spot reference price for a leg of a CDS combination such as a roll or a tailor made switch. The price feed receives indicative pricing data from an external pricing source and uses this data to generate the spot reference price together with last trade data and best bid and best offer data for the reference instrument provided by the matching engine. | 2013-01-10 |
| 20130013482 | Methods for Post-Trade Allocation - A computer-implemented method for providing an allocation of a filled order made at a particular time, that involves receiving at least a price of a filled order made at a later time; generating a starting allocation across multiple managed accounts based at least in part on allocation factors of each of the multiple managed accounts; generating at least one additional allocation based at least in part on the starting allocation; determining a closest-fitting allocation according to a metric from amongst the starting allocation and the at least one additional allocation, the metric being based at least in part on the price of the filled order made at the later time and on a price of the filled order made at the particular time; and outputting the closest-fitting allocation. | 2013-01-10 |
| 20130013483 | SYSTEMS AND METHODS FOR MULTI-CURRENCY TRADING - A multi-currency interface: presents, to at least one customer wishing to trade in a customer currency, a view of orders currently residing on the trading exchange in the customer currency; receives an order, from the at least one customer, denominated in the customer currency; and, if the customer currency is not the same as the exchange quoted currency, calculates a conversion rate from the customer currency to the exchange traded currency, based upon FX index prices, and generates an exchange order, denominated in the exchange quoted currency, corresponding the to the received order from the customer. | 2013-01-10 |
| 20130013484 | SYSTEM AND METHOD FOR FACILITATING A WIRELESS FINANCIAL TRANSACTION - A method for executing a wireless trade is provided that includes communicating with a handheld device via a wireless network and sending and receiving financial information to and from the handheld device. The financial information is associated with a trade that can be initiated by the handheld device. The method also includes authorizing the handheld device through location data, which is associated with a location of the handheld device, before executing the trade. | 2013-01-10 |
| 20130013485 | EVALUATION AND ADJUSTMENT OF SETTLEMENT VALUE CURVES - Disclosed is a method that is useful in connection with providing discount factors for an exchange-traded mark-to-market derivative product that has a variable tick rate, such as an interest rate swap product. In some embodiments, the method includes providing a series of consecutive settlement values, which collectively represent a settlement value curve for the derivative product. The curve is evaluated by determining, for each consecutive pair of settlement values, whether the difference between the first settlement value in the pair and the second settlement value in the pair exceeds a threshold. The threshold represents the value at which a discount factor derived from said pair of settlement values, in conjunction with other parameters, would be negative. In other embodiments the disclosed invention encompasses an apparatus and a computer-readable medium. | 2013-01-10 |
| 20130013486 | Method and System for Predicting Solar Energy Production - A method for hedging energy sales or purchases in a short-term future or day-ahead market includes determining an historical performance of a regional net energy forecasting methodology for a facility or facilities which have solar energy generating systems in a geographical region. The method further includes estimating a difference between the maximum cost of energy in a spot market and an energy trader's minimum price of energy for each hour bid in the short-term future or day-ahead market, determining a risk factor associated with energy sales or purchases from the historical performance and the estimated difference, and purchasing or selling options to buy energy at the previous day's day-ahead market price based on the determined risk factor. | 2013-01-10 |
| 20130013487 | MICRO AUCTION - A method and an electronic trading system is disclosed for processing orders in a series of intervals. Receiving means of the electronic trading system receives orders in electronic messages via a communications network during a series of intervals, and processing means of the electronic trading system processing each order after the end of an interval during which the order was received. The length of the intervals of the series of intervals is selected by the processing means to vary between consecutive intervals. | 2013-01-10 |
| 20130013488 | REAL TIME ADAPTIVE CONTROL OF TRANSACTION REVIEW RATE SCORE CURVE - Modern technologies of signal processing and real-time feedback adaptive control are applied to a fraud screen model to enable the fraud screen model to adapt to changes in shopping behavior to effectively maintain the model's performance on a review rate score curve continuously. Multiple techniques disclosed herein integrate control technologies with modeling technology to control the review rate score curve in real time. | 2013-01-10 |
| 20130013489 | METHODS AND APPARATUS FOR VERIFYING EMPLOYMENT VIA ONLINE DATA - A computer-implemented method for verifying employment of a first user with a computer system programmed to perform the method includes receiving a first name for a user-represented employer via a user-application, receiving a first plurality of social network data associated with the first user from a first social network server, wherein the first plurality of social network data includes a second name associated with an user-represented employer via a user-profile on the first social network, determining a relationship between the employer associated with the first name and the employer associated with the second name, in response to the first name and to the second name, determining an employment verification indicator in response to the relationship between the employer associated with the first name to the employer associated to the second name and outputting with the computer system, the employment verification indicator. | 2013-01-10 |
| 20130013490 | MOBILE APPARATUS WITH BACK-UP PAYMENT SYSTEM - Embodiments of the invention are directed to apparatus, methods, and computer program products for allowing a user to make a payment at a payment terminal via a mobile device via a back-up payment module that is attached to the mobile device. In some embodiments, the back-up payment module allows a user to make a payment at a payment terminal by establishing physical contact between the back-up payment module and the payment terminal. In some embodiments, the back-up payment module allows a user to make a payment at a payment terminal when one or more other methods of making a payment via a mobile device are unavailable. | 2013-01-10 |
| 20130013491 | SYSTEM AND METHOD FOR DETECTING AND MITIGATING DUPLICATE TRANSACTION FRAUD - A method and system for reducing fraud by detecting duplicate financial transactions in a financial transaction processing system. In various embodiments, financial institutions can be alerted when a financial instrument such as a check is being tendered for deposit, wherein a previous deposit for that same instrument had previously been submitted at the same or a different financial institution. The system and method provide for detection of deposits of checks after remote deposit of the same check had been previously performed (for example by submitting a digital image of the check). Deposit of duplicate counterfeit paper checks issued to multiple parties can also be detected and mitigated. | 2013-01-10 |
| 20130013492 | METHOD AND SYSTEM FOR REFUNDS AND/OR CREDITS RESPONSIVE TO CONSUMER DISSATISFACTION WITH SOFTWARE DOWNLOADS - A method for providing buyer protection for purchased software includes receiving input, from an input device, to initialize buyer protection applicable to purchased software and providing the purchased software to the input device. The method also includes processing payment, by a processor, of a fee for a return of the purchased software, determining that a request for return of purchased software has been received from the input device, and approving the return of the purchased software. By the processor, the method also encompasses steps of at least one of returning, as a refund, at least a portion of a price paid for the purchased software or providing a credit against a future software purchase and at least one of disabling or removing the purchased software from the input device. | 2013-01-10 |
| 20130013493 | SYSTEMS AND METHODS FOR CONDUCTING TRANSACTIONS AND COMMUNICATIONS USING A TRUSTED THIRD PARTY - Systems and methods are provided for performing transactions and managing communications using a trusted third party. In one embodiment, a sender transfers an encrypted version of a file (such as a digitally encoded audio track, movie, document, or the like) to someone who wishes to receive it. The receiver computes a first hash of at least a portion of the encrypted data content, and sends the first hash to a third party configured to compare at least a portion of the first hash to at least a portion of a second hash. The receiver receives a file decryption key from the third party, and decrypts at least the portion of the received encrypted data content with the decryption key. In some cases, multiple hashes of the encrypted data content may be computed, each using a different portion of the encrypted data content. | 2013-01-10 |
| 20130013494 | PEER-TO-PEER AND GROUP FINANCIAL MANAGEMENT SYSTEMS AND METHODS - This relates to transferring funds from a payer to a payee in a electronic payment system. The electronic payment system includes a payment processor and an accounts database. The payment processor receives a payment request from the payer. The payment request includes information to identify the payee and a payment amount. An accounts database is accessed to determine if the accounts database includes an account associated with the payee. Based on a determination that the accounts database includes an account associated with the payee, an electronic message is sent from the payment processor to the payee, to notify the payee of the payment request. The accounts database is accessed to determine if the payee is identified as having a trusted relationship with the payer. | 2013-01-10 |
| 20130013495 | TRANSACTION INFORMATION ROUTING - Apparatus and methods for routing transaction information. The apparatus and methods may involve using receiving the transaction information; retrieving from computer readable memory: (a) a transaction information routing rule; and (b) transaction service provider information; and formulating routing information based on the transaction information, the transaction service provider information and the routing rule. The apparatus and methods may identify prospective recipients, among participants in a transaction, for receipt of the transaction information. | 2013-01-10 |
| 20130013496 | CONTENT MANAGEMENT APPARATUS - An apparatus is configured to provide a chart of content items to user devices. The apparatus is configured to enable individual users to temporarily access one or more content items listed in the chart. The apparatus includes a user device interface configured to communicate with user device applications and a permissions module configured to define user access permissions, including temporary user access permissions, relating to individual ones of the one or more items of content. The apparatus also provides a distribution module configured to implement permissions defined in the permission module in relation to user devices by making available one or more items of content listed in the chart to at least one user device application. | 2013-01-10 |
| 20130013497 | GLOBAL REMITTANCE PLATFORM - The invention provides a remittance platform in which an enterprise, such as Wells Fargo, serves as a remittance transfer agent, where the remittance function is integrated with a bank. The invention allows access to the remittance program by both account holders with the enterprise and persons who do not have an account with the enterprise. The person accessing the service may pick the remittance service they want and the country they want. However, the service is not anchored to a particular account and can therefore work with both bank partners and non-bank partners and account holders and non-account holders. Further, the system may be private-labeled. Additionally, the invention provides a mechanism that allows one to send money easily to other countries and it allows bank partners to participate in the program easily as well. This is possible because the enterprise provides all of the processing in an integrated fashion. | 2013-01-10 |
| 20130013498 | METHOD AND SYSTEM FOR MOBILE BANKING USING A MOBILE APPLICATION - A method for transmitting data between a mobile communication device and a server. The method includes running a mobile application on the mobile communication device. The mobile application is hosted on the mobile communication device through the server as a Software as a Service (SaaS). The method further includes transmitting data associated with the mobile application between the mobile communication device and the server, in which transmission of the data between the mobile communication device and the server is monitored through the server. | 2013-01-10 |
| 20130013499 | ELECTRONIC WALLET CHECKOUT PLATFORM APPARATUSES, METHODS AND SYSTEMS - The ELECTRONIC WALLET CHECKOUT PLATFORM APPARATUSES, METHODS AND SYSTEMS (“EWCP”) transform customer purchase requests triggering electronic wallet applications via EWCP components into electronic purchase confirmation and receipts. In one implementation, the EWCP receives a merchant payment request, and determines a payment protocol handler associated with the merchant payment request. The EWCP instantiates a wallet application via the payment protocol handler. The EWCP obtains a payment method selection via the wallet application, wherein the selected payment method is one of a credit card, a debit card, a gift card selected from an electronic wallet, and sends a transaction execution request for a transaction associated with the merchant payment request. Also, the EWCP receives a purchase response to the transaction execution request, and outputs purchase response information derived from the received purchase response. | 2013-01-10 |
| 20130013500 | Multi-Sided Disbursement Platform - A system and method are disclosed for making disbursements to one or more consumers via a disbursement platform. In accordance with an embodiment, a method can comprise receiving at a computer, a first request to make a first disbursement. The method can further comprise receiving at the computer, a second request to make a second disbursement, wherein the first and second disbursements are different. The method can additionally comprise normalizing the first and second disbursements; and loading a prepaid account with the normalized first and second disbursements. | 2013-01-10 |
| 20130013501 | METHODS AND SYSTEMS FOR MAKING A PAYMENT VIA A STORED VALUE CARD IN A MOBILE ENVIRONMENT - Methods and systems for making a financial payment to a payee via a stored value (SV) card utilizing a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). The mobile device communicates wirelessly with a mobile financial transaction system (MFTS) that stores user information and transaction information. A user enters information via the mobile device identifying a payee and indicating a stored value card payment method. The mobile device generates a mobile payment instruction that includes information corresponding to the identified payee and indicating a stored value card payment method. The mobile payment instruction is wirelessly communicated to the MFTS. The MFTS generates an MFTS payment instruction to a payment instruction recipient that can issue a new stored value card and/or reload funds onto a pre-existing stored value card. The MFTS communicates the MFTS payment instruction to the payment instruction recipient. | 2013-01-10 |
| 20130013502 | Facilitation of Transactions Using a Transaction Code - A system includes a memory for storing customer account information associated with first and second customers, and a processor. The processor receives a request to perform a first transaction. In response to a determination that the request to perform the first transaction is approved, the processor generates a first transaction code and transmits the first transaction code to a mobile device associated with the first customer. The processor further receives transaction information for the first transaction. The processor further receives a request to perform a second transaction. In response to a determination that the request to perform the second transaction is approved, the processor generates a second transaction code and transmits the second transaction code to a mobile device associated with the second customer. The processor further receives transaction information for the second transaction. The processor further communicates a batch payment to the particular merchant. | 2013-01-10 |
| 20130013503 | SYSTEMS AND METHODS FOR FACILITATING TRANSACTIONS - Systems and methods for facilitating transactions are disclosed. A system includes a hardware component, a software component adapted to run on at least in part on the hardware component, and an information component adapted to be accessed by the software component. The hardware component includes a biometric fingerprint reader, a user-operable button, indicator LEDs, a connector or a wireless communication device, and a Secure Access Module. A method for performing a face-to-face payment operation from a customer to a retailer includes presenting the system to the retailer, initiating reading of information from a retailer system, activating the system by entering fingerprint information using a fingerprint reader, transferring information to the retailer system, validating the transfer of information to the retailer system, and completing the face-to-face payment operation. | 2013-01-10 |
| 20130013504 | AUTOMATED TRANSACTION MACHINE - An automated retail terminal in which a plurality of goods and/or services are provided in an integrated system. The integrated system generally avoids duplicating hardware or functions in the course of delivering the goods or services offered, so for example in a combination ATM and Internet kiosk the same credit card or smart card reader is used for both the ATM and the Internet kiosk functions, the same control screen activates the ATM functions and the Internet functions, and etc. | 2013-01-10 |
| 20130013505 | TRANSACTION ENGINE REMOTE CONTROL - Apparatus and methods for controlling account access. The apparatus may include a receiver that is configured to receive from a customer an account access control instruction. The account access control instruction may change an access status of an account that holds funds belonging to the customer. The customer may be one of a plurality of customers of a financial institution. Each of the customers may own funds that are held in different accounts. The apparatus may include a processor. The processor may initialize an account access control program; and change the access status of the account between an activated state and a deactivated state. The processor may change the access status by transmitting a data object to an electronic payment platform. | 2013-01-10 |
| 20130013506 | Variable Service Fee For Overdraft Protection - Systems and methods provide variable service fees for protection against overdraft of resources. The resources can be monetary or non-monetary and generally are associated with a service. Protection against overdraft relies at least on authorization of a request for an OD transaction, the request having one or more data indicative of a service transaction that triggers an overdraft condition leading to such request. Authorization or denial of such request is based on one or more rules applicable to the one or more data. For an authorized OD transaction, and based on at least one rule of the one or more rules, a variable service fee is assessed to an overdraft account linked to the overdraft transaction. Assessment of such fee affords protection against overdraft, which allows utilization of resources even in scenarios a resource allocation is exhausted. | 2013-01-10 |
| 20130013507 | System to Create and Manage Payment Accounts - A hosted-software system including separate but integrated application modules configured to manage notification, validation, authorization, receipt, disbursement, and reporting of payment and transaction types processes and apply specialized and customizable business rules, access rights, and permissions configured to allow secure and definable transaction processing and other interactions between multiple related and disparate parties. | 2013-01-10 |
| 20130013508 | SECURE MOBILE PAYMENT SYSTEM - The present invention provides a method for conducting a transaction that includes receiving a pseudo account identifier that corresponds to a primary account identifier. The pseudo account identifier may be received at a portable wireless device and may be generated by a remote server computer. The portable wireless device can receive the pseudo account identifier over a first network and provide the pseudo account identifier to an access device. The access devices generally comprises a reader that can receive the pseudo account identifier, and thereafter send a message to request authorization of a transaction. The authorization request message may include the pseudo account identifier and is sent to a payment processing network. The authorization request message is sent to the payment processing network over a second network. The payment processing network may then process the authorization message and return a response that indicates if the transaction is authorized or not. | 2013-01-10 |
| 20130013509 | METHOD AND SYSTEM FOR PROCESSING MICROPAYMENT TRANSACTIONS - Methods and systems for performing micropayment transactions over communication networks is provided. These methods and systems enable ubiquitous micropayments by providing a seamless payment solution in which micropayment is one of a plurality of payments facilitated. In an embodiment, the transaction value may be compared to a predefined threshold, and processed as a micropayment if said value is less than said threshold, and otherwise processed using a second processing system. In another embodiment, the transaction may be processed as a micropayment if the payee has previously been verified by the micropayment processing system. In a third embodiment, the transaction takes place using the payee's website. | 2013-01-10 |
| 20130013510 | System, Method, and Apparatus for Creating and Distributing a Transaction Credit - An embodiment(s) of a system(s), method(s), and/or apparatus is presented for accepting requests for, determining approval of, and distributing transaction credit(s) (TC(s)). An embodiment of a system(s), method(s), and/or apparatus is presented for distributing a useable TC to a designated recipient in real time. An embodiment of a system(s), method(s), and/or apparatus is presented for providing a consumer a useable TC in any tangible form that may be known in the art, or that can be transferred via, stored in, or retrieved from an electronic format, or that can be physically fabricated by a consumer or transferee of the TC. An embodiment of a system(s), method(s), and/or apparatus is presented for providing a consumer or transferee of a TC notification of receipt of such a TC through a variety of notification means. | 2013-01-10 |
| 20130013511 | DEPENDENT PAYMENT DEVICE - The present invention provides embodiments of a dependent payment device, such as a credit card, for allowing a primary customer to control and monitor the transactions made by a dependent customer who is authorized to use the account of the primary customer. The primary customer can control the maximum limit that the dependent customer can spend on the dependent card up to the maximum amount that the financial institution has approved for the primary customer. The primary customer can also block/approve purchases that the dependent customer can make at store or on products by adding MCCs, store names, store types, UPCs, or other product or store identifiers to a list of blocked/approved transactions. The primary customer can set monetary and time limits on the amount and frequency of the transactions the dependent customer can make at stores or on products that have been blocked/approved. | 2013-01-10 |
| 20130013512 | SOFTWARE DEVELOPMENT KIT BASED FRAUD MITIGATION - A system and method for fraud prevention is provided. Specifically, an application program interface may be used in concert with an authorization request to process a transaction, to utilize fraud prevention tools. A system, method and/or computer program product for transmitting an authorization request and a request for fraud services to a transaction account issuer is disclosed. The transaction account issuer may combine the authorization request and request for fraud services in order to create an authorization response. | 2013-01-10 |
| 20130013513 | METHOD 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. | 2013-01-10 |
| 20130013514 | CUSTOMER CONTROLLED ACCOUNT, SYSTEM, AND PROCESS - Access devices like credit cards and/or check cards have enhanced security features that allow a customer to control circumstances under which their account is accessed. Fraudsters may try to access the account without the knowledge of the consumer set controls, the system takes remedial action with reduced instances of false positives. An account is established for an account holder through a central entity, e.g. an issuer. At least one user is associated with the access device that is established for one or more transactions. Use of the access devices is defined by a set of rules defined by the central entity and are controllable by the customer, including comprising any of the account holder and the user of the account. The customer inputs, controls, and/or updates parameters associated with the customer-controllable rules. Subsequent authorization of the access devices is controlled based on the customer input and other controls. | 2013-01-10 |
| 20130013515 | Secure Payment Device with Separable Display - A secure terminal, such as one used for point-of-sale debit card transactions, has a secure enclosure containing some or all of the terminal components, and is configured to send sensitive and non-sensitive data to a display located outside of the secure enclosure. The terminal includes a source chip that protects data sent from the terminal to the display. The source chip protects the data by detecting that the display is connected, authenticating the display as a device that is authorized to receive the data, and encrypting the data before transmission. Preferably, the display is a commercially-available consumer electronic device, such as a television or computer monitor. The source chip communicates with a receiver chip on the display to perform the detection, authentication, and encryption methods of the invention. | 2013-01-10 |
| 20130013516 | SOCIAL NETWORK FINANCIAL PORTAL - A financial portal is provided which allows the transfer of funds between “friends” within a social network application. | 2013-01-10 |
| 20130013517 | MAKING AN EXTENDED WARRANTY COVERAGE DECISION - Systems, methods, and machine-readable and executable instructions are provided for making an extended warranty coverage. Making an extended warranty decision can include determining by a computer, a customer's expected cost of terminating the extended warranty coverage, determining, by the computer, the customer's expected cost of continuing the extended warranty coverage, and comparing, by the computer, the expected cost of terminating the extended warranty coverage and the expected cost of continuing the extended warranty coverage. Making an extended warranty decision can also include determining, by the computer, the extended warranty coverage decision based on the comparison. | 2013-01-10 |
| 20130013518 | SYSTEMS, METHODS, APPARATUSES, AND COMPUTER PROGRAM PRODUCTS FOR COLLECTING RECYCLABLE GOODS - An apparatus and system are provided for facilitating a mechanism in which to collect and consolidate goods at a location for recycling. The apparatus includes a processor capable of defining a time period(s) and determining type(s) of recyclable goods and associating a defined time period(s) with one of the recyclable goods based on the type. A portion of the goods may be picked up from an entity upon expiration of the time period. The processor is also capable of receiving an indication that the portion of the goods are delivered to a location and consolidated with other goods of the same type. The other goods are delivered to the location from other entities and the processor is capable of determining whether the consolidated goods exceed a predetermined threshold and if so the processor is capable of generating an instruction to deliver the consolidated goods to a facility for recycling. | 2013-01-10 |
| 20130013519 | METHOD AND SYSTEM FOR ELECTRONIC IP PROSECUTION - 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. | 2013-01-10 |
| 20130013520 | ELECTRONIC LICENSING SYSTEM AND METHOD - 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. | 2013-01-10 |
| 20130013521 | SYSTEM FOR PROVIDING A BINDING COST FOR FOREIGN FILING A PATENT APPLICATION - 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. | 2013-01-10 |
| 20130013522 | System and method for managing property - A system and method for managing property that in one embodiment provides a network-based system and method for creating, tracking and managing events, known herein as “incidents”, such as service requests, maintenance reminders and other events associated with managing property for supporting and enhancing the functions of tenant, property manager and vendor. | 2013-01-10 |
| 20130013523 | SYSTEM AND METHOD FOR DISASTER PREPAREDNESS - Embodiments of the present disclosure include a system and a method. In one embodiment, the system includes an emergency preparedness system having a dynamic checklist tool configured to use a master checklist to produce a plant-specific checklist based on a selection of at least one emergency event, and to produce actionable articles having at least one emergency preparedness recommendation for a plant. | 2013-01-10 |
| 20130013524 | METHOD AND APPARATUS FOR AUTOMATIC CERTIFICATION PROCESS FOR FOOD PRODUCTS - Various embodiments of the present disclosure include methods and apparatus for automatic certification of food products. In an example embodiment, apparatus comprises a hand-held device including a display and one or more input devices to sense product identification indicia associated with or affixed to a food product that is grown or raised in an agricultural operation. The hand-held device includes at least one processor to determine a machine-readable identification code from the product identification indicia and send the identification code to at least one remote server. The device also receives, from the at least one remote server, agricultural certification information that is associated with the product, the certification information indicating compliance of the product with at least one agricultural certification established by a certification authority and having one or more requirements. | 2013-01-10 |
| 20130013525 | PORTABLE COMPUTING DEVICE TO RETRIEVE AGRICULTURAL CERTIFICATION INFORMATION - Various embodiments of the present disclosure relate to a portable computing device to retrieve agricultural certification information. In an example embodiment, an apparatus comprises a hand-held device including a display and one or more input devices to sense product identification indicia associated with or affixed to a food product that is grown or raised in an agricultural operation, the product identification indicia comprising at least a universal product code for the food product. The hand-held device includes at least one processor to determine a machine-readable identification code from the product identification indicia; send the identification code to at least one remote server; receive, from the at least one remote server, agricultural certification information that is associated with the product, the certification information being associated with the product using the machine-readable identification code; and display the certification information on the display in human readable form. | 2013-01-10 |
| 20130013526 | SOCIAL NETWORKING JOB MATCHING TECHNOLOGY - Recruiting technology techniques are provided herein that match offers, such as jobs, with candidates, such as individuals, and vice versa, using the data available in social media profiles. Further, such recruiting technology uses semantic and statistical algorithms to reduce offer descriptions, such as job descriptions and candidate profiles into universal types. Two examples of universal types are job descriptions referred to herein as Job DNA™ and candidate descriptions referred to herein as Candidate DNA™. | 2013-01-10 |
| 20130013527 | IMMIGRATION CONTROL SYSTEM - The present invention provides a system and a method for speeding up immigration. In first immigration, first biometric information is stored in a immigration biometric information DB. A normal immigration client terminal displays a first result of comparing an ID information watch list with a biometric information watch list. In subsequent second immigration, the first biometric information in the immigration biometric information DB is compared with second biometric information obtained by a simplified immigration client terminal. Then, the simplified immigration client terminal displays a second result of comparing the first biometric information with the watch list information that is added after the first comparison is done. Thus even if the number of registrations in a watch list database is large, a small amount of similar watch list information is displayed, reducing the time for checking the results by the operator. | 2013-01-10 |
| 20130013528 | SYSTEM AND METHOD OF IDENTIFYING SHIPPING ANOMALIES - Systems and method of identifying shipping anomalies are provided. One anomaly detection module is configured to access data related to items in a delivery environment and determine the occurrence of anomalies based on the accessed data. The detected anomalies are evaluated with other accessed data to identify source, destination or routing errors and to correct same. | 2013-01-10 |
| 20130013529 | BUSINESS TRANSACTION FACILITATION SYSTEM - Embodiments of the present disclosure are directed to methods, systems and computer program products for facilitating a business relationship between a customer and at least one provider. The methods, systems and computer program products allow for a system for conducting business transactions and/or facilitating business relationships wholly electronically via an e-vault system. The e-vault system provides at least one interface for one or more client systems to upload data to and from an storage system via a network. | 2013-01-10 |
| 20130013530 | Method and System for measuring decisions of a portfolio manager as it relates to the return performance for any given asset - The present invention relates to a method and system for measuring a portfolio manager's decisions and performance for any asset as it relates to and compares to the potential performance which might have occurred during any given finite time period. An asset (which example is intended to be illustrative and not restrictive) can be a single publicly traded stock, bond, option, commodity, real asset or real estate, a portfolio of assets, or an index. Investment performance can target an individual action or actions of a portfolio manager or a financial institution's actions (which example is intended to be illustrative and not restrictive) such as a mutual fund, hedge fund, public or private pension fund. | 2013-01-10 |
| 20130013531 | SYSTEM AND METHOD FOR PROVIDING A MARKET-BACKED ANNUITY WITH VARIABLE SEGMENT TERMS AND AUTOMATIC ROLLOVER - The present invention provides a method and system for providing a market-backed annuity allowing for client-selected segment terms and automatic rollover. The method and system includes techniques for allowing an investor to specify a segment maturity date, specify a percentage of upside and downside protection, specify an underlying market index, and choose an amount of investment capital. By providing flexibility, the current invention increases the security and performance of market-backed annuity products. | 2013-01-10 |
| 20130013532 | System and Method for Process Scheduling - A method for scheduling processing of an instrument. The method receives instrument information, selects an instrument category for the instrument based on the instrument information, the selected instrument category having a calculation set, assigns the instrument to a job corresponding to the calculation set of the selected instrument category; and sends the job to a computing resource. In another aspect, the method also receives a purpose identifier, and chooses the calculation set from two or more calculation sets of the selected instrument category based on the purpose identifier. In another aspect, the calculation set includes two or more calculation sub-sets, each calculation sub-set having a job priority, and the method includes assigning the instrument to two or more jobs corresponding to each of the two or more calculation sub-sets. | 2013-01-10 |
| 20130013533 | APPARATUS, METHODS AND COMPUTER PROGRAMS FOR METERING AND ACCOUNTING FOR SERVICES ACCESSED OVER A NETWORK - Apparatus, methods and computer programs provided for metering and accounting in a commercial e-services infrastructure address the requirement for handling composite services in which higher-level services are built using simpler underlying services, each of which may be autonomously owned and operated. Metering records for each service underlying a composite service are correlated by a process associated with the composite service, and then sent to an accounting service where they can be aggregated. The correlation is performed in a distributed manner with correlated usage data provided on a per-request basis. Accounting services can take account of the usage and charges associated with the underlying services to provide accounting and billing on a per-request basis or per customer-provider pair for a billing period. | 2013-01-10 |
| 20130013534 | HARDWARE-ASSISTED APPROACH FOR LOCAL TRIANGLE COUNTING IN GRAPHS - A method and apparatus are provided for hardware-assisted local triangle counting in a graph. The method includes converting vertex relationships of the graph into rule patterns. The method also includes compiling the rule patterns into a binary file, wherein the rule patterns are organized into a finite state machine. The method further includes loading at least a part of the binary file and a search string to be compared there against into a hardware pattern matching accelerator. The method additionally includes receiving a number of matching outputs from the pattern matching accelerator. | 2013-01-10 |
