03rd week of 2014 patent applcation highlights part 59 |
Patent application number | Title | Published |
20140019286 | SYSTEMS, DEVICES AND METHODS FOR FACILITATING STRUCTURED SETTLEMENT TRANSACTIONS - In one embodiment, a structured settlement transaction information processing system, using the structured settlement transaction data, causes a bid item to be displayed at a first bidder interface and a second bidder interface. In one embodiment, the structured settlement transaction information processing system enables a first bidder to place a first bid on the bid item using the first bidder interface. In one embodiment, the structured settlement transaction information processing system enables a second bidder to place a second bid on the bid item using the second bidder interface. In one embodiment, the structured settlement transaction information processing system, based on at least one of the first bid and the second bid, provides a notification to at least one of the first bidder and the second bidder, the notification being indicative of an intention to sell the bid item. | 2014-01-16 |
20140019287 | BIDDING TO RECEIVE DATA AFTER A CONSUMER IS IN A ZONE - An announcement distributor distributes, or auctions an opportunity to distribute, an announcement to an announcement recipient such as a consumer, issuer, merchant, or acquirer within a payment processing system. The announcement when there has been a satisfaction of an announcement condition, such as the consumer being determined to be located within a predetermined spatial zone. The content of the announcement may, in turn, facilitate a subsequent cashless transaction for resources of merchants. Implementations describe various permutations of the content of the announcement, the announcement condition, and the announcement recipient. | 2014-01-16 |
20140019288 | Supply Chain Management System and Method - A supply chain management system/method that incorporates a Customer Order Entry/Status Console (COESC), part/product quoting, vendor order fulfillment, manufacturer claims processing, transportation tracking, and integrated product advertising is disclosed. The disclosed system/method uses a COESC that permits decentralized deployment of customer orders to a plethora of potential vendors for potential fulfillment. Participating vendors may provide feedback pertaining to product pricing, availability, manufacturer incentives, and delivery timing to the COESC. Vendor product shipments to the customer may be tracked on the COESC utilizing a transportation tracking subsystem incorporating vendor delivery optimizations and mobile tracking of parts/products deliveries. A context-sensitive advertising subsystem integrating manufacturer claims processing may be implemented to permit promotion of vendor/manufacturer products and/or services to customers via the COESC. The system/method may incorporate/interface to customer scheduling/process flow software such as body shop management systems and the like. | 2014-01-16 |
20140019289 | System and Method for Bidding on Groups of Fee or Contingency Fee-Based Matters - A system may comprise: a web server for posting matters of clients for bidding by contingency professionals; a client matter engine for enabling a particular client to post a particular group of related matters and to select a particular contingency professional bidding on the particular group of matters to handle the particular group of matters; a professional bidding engine for enabling the particular contingency professional to review at least a portion of the posted matters and to bid on the particular group of matters; and a bidding exchange engine for enabling the particular client and the particular contingency professional to communicate without exchanging direct contact information. | 2014-01-16 |
20140019290 | IMAGE DATA COLLECTION - Techniques for collecting media, such as pictures, video, and audio about customized products that have been delivered to customers are provided. In response to determining that a customer has received a unit of a product that the customer ordered from a merchant, the merchant sends the customer a prompt to take a picture of (or otherwise record information about) the unit. The prompt may be a SMS text message that is sent to a mobile phone of the customer, which mobile phone may include a camera. The customer replies to the prompt by taking a digital image of the unit and attaching (or embedding) the picture in a reply message that is sent to the merchant. The merchant stores the digital image in association with the product. The merchant provides a web page that allows other users to view the digital image in association with the product. | 2014-01-16 |
20140019291 | System and Method for Providing an Intelligent Configuration Rationalization Solution - A system and method are disclosed for rationalizing configurations associated with one or more products. The system includes a database associated with one or more customers. The system further includes an order analysis system coupled with the database. The order analysis system is capable of rationalizing the differences between configurations of various combinations of options that are stored in the database. | 2014-01-16 |
20140019292 | 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. | 2014-01-16 |
20140019293 | Automated Technique For Generating Recommendations Of Potential Supplier Candidates - An automated technique for generating supplier recommendations may include: (1) receiving a set of supplier entity data indicating information about present transaction capabilities of a supplier entity; (2) storing the supplier entity data; (3) verifying the supplier entity data to generate a supplier entity data validation result; (4) updating the supplier entity data as verified supplier entity data based on the supplier entity data validation result; (5) receiving one or more items of supplier entity feedback data indicating information about previous transactions engaged in by the supplier entity with a buyer entity; (6) storing the supplier entity feedback data; (7) receiving a set of buyer entity criteria data indicating information about present transaction requirements of a buyer entity; and (8) generating a buyer entity recommendation based on consideration of the supplier entity data, the supplier entity data validation result, the supplier entity feedback information, and the buyer entity criteria data. | 2014-01-16 |
20140019294 | RETAIL LOCATION CONCIERGE STATION - Apparatus and methods for a retail location concierge station are provided. Apparatus and methods in accordance with principles described herein may be initiated by a customer logging into an online portal prior to visiting a retail location. Apparatus and methods may be initiated by the customer entering a retail location and providing identification information at the station. The station may present products offered by the entity that the customer may wish to add to their existing relationship with the entity. These products may be pre-selected based on information known to the entity about customer. The station may transmit products selected by the customer to an employee of the entity. The employee may review the products selected by the customer prior to servicing the customer. The station may present additional products that may accomplish an express or implied objective of the customer. | 2014-01-16 |
20140019295 | Automated Technique For Generating Recommendations Of Potential Supplier Candidates - An automated technique for generating supplier recommendations may include: (1) receiving a set of supplier entity data indicating information about present transaction capabilities of a supplier entity; (2) storing the supplier entity data; (3) verifying the supplier entity data to generate a supplier entity data validation result; (4) updating the supplier entity data as verified supplier entity data based on the supplier entity data validation result; (5) receiving one or more items of supplier entity feedback data indicating information about previous transactions engaged in by the supplier entity with a buyer entity; (6) storing the supplier entity feedback data; (7) receiving a set of buyer entity criteria data indicating information about present transaction requirements of a buyer entity; and (8) generating a buyer entity recommendation based on consideration of the supplier entity data, the supplier entity data validation result, the supplier entity feedback information, and the buyer entity criteria data. | 2014-01-16 |
20140019296 | PERSONAL TASTE ASSESSMENT METHOD AND SYSTEM - A personal taste assessment system receives a person's ratings for various rated items, such as wines or other beverages, and it develops a preference model for the person based on the received ratings. When developing the preference model, the system accesses a database of candidate items, wherein each candidate item is associated with at least one trait value. The system retrieves from the database a value for at least one trait for each of the rated items, identifies at least one pattern of dependency between at least one of the retrieved trait values and at least one of the received ratings, and determines a preference model based on the at least one pattern of dependency. The system may use the preference model to develop a preference profile for the person, make recommendations, and/or make predictions as to items that the person and/or a group that includes the person may enjoy. | 2014-01-16 |
20140019297 | Electronic Commerce System Incorporating Shopping Baskets - An interactive system for conducting electronic commerce. The system provides multiple electronic shopping baskets for each user. Each electronic shopping basket has an indication of items 128 currently within the electronic shopping basket, billing 114 and shipment information 112. The system further provides the user means for conducting electronic commerce when the user is not authenticated. | 2014-01-16 |
20140019298 | SYSTEMS AND METHODS FOR UNIVERSAL ONLINE CHECKOUT - Systems and methods for providing secure online shopping and, more particularly, systems and methods of electronic commerce using a universal shopping cart and a managed spider application that is adapted to maintain integration with each e-tailer-specific virtual shopping cart and to recreate on the corresponding e-tailer's website a most-recent shopping session state of the cart if integration between the two is interrupted. | 2014-01-16 |
20140019299 | 3D CLICK TO BUY - An e-commerce method related to ordering from interactive 3D model(s). The 3D models includes parametric data and metadata. A software enables a user to specify search criteria for a selected product among a plurality of products whose 3D models are stored on the data storage device. The search software returns a list of product(s) matching the search criteria. The user selects a product and the 3D model of the selected product is streamed to the user software. The 3D model is then displayed to the user, who now can interact with said 3D model by selecting, hovering over, or decomposing said 3D model to reveal parts or subassemblies of the product in one or more stages of decomposition. Finally, e-commerce software communicates with said user software allowing the user to initiate an ecommerce transaction with respect to the parts or subassemblies depicted in said 3D model of said selected product. | 2014-01-16 |
20140019300 | CONSUMER INTERFACE DEVICE SYSTEM AND METHOD FOR IN-STORE NAVIGATION - A consumer interface device (“CID”) implemented in a retail store provides an interactive in-store shopping experience. In particular, the CID may provide in-store navigation to a desired product. The CID may receive input from a user specifying the desired product, or the CID may suggest a product and provide navigation to the desired and/or suggested product. The CID may be mounted on a shelf in a retail store and may include a microprocessor, a touchscreen, a digital storage medium, and a networking device. The CID may track the success of particular in-store advertisements with regard to particular consumers or types of consumers; provide in-store navigation to products; enable purchases via a network; and target an individual consumer or group of consumers with product content specifically directed to the respective consumers or groups of consumers. | 2014-01-16 |
20140019301 | INTERNET-ACCESSIBLE DRIVE-BY STREET VIEW SYSTEM AND METHOD - Video drive-by data provides a street level view of a neighborhood surrounding a selected geographic location. A video and data server farm incorporates a video storage server that stores video image files containing video drive-by data corresponding to a geographic location, a database server that processes a data query received from a user over the Internet corresponding to a geographic location of interest, and an image processing server. In operation, the database server identifies video image files stored in the video storage server that correspond to the geographic location of interest contained in the data query and transfers the video image files over a pre-processing network to the image processing server. The image processing server converts the video drive-by data to post-processed video data corresponding to a desired image format and transfers the post-processed video data via a post-processing network to the Internet in response to the query. | 2014-01-16 |
20140019302 | INTERNET-ACCESSIBLE REAL ESTATE MARKETING STREET VIEW SYSTEM AND METHOD - Video drive-by data provides a street level view of a neighborhood surrounding a selected geographic location. A video and data server farm incorporates a video storage server that stores video image files containing video drive-by data corresponding to a geographic location, a database server that processes a data query received from a user over the Internet corresponding to a geographic location of interest, and an image processing server. In operation, the database server identifies video image files stored in the video storage server that correspond to the geographic location of interest contained in the data query and transfers the video image files over a pre-processing network to the image processing server. The image processing server converts the video drive-by data to post-processed video data corresponding to a desired image format and transfers the post-processed video data via a post-processing network to the Internet in response to the query. | 2014-01-16 |
20140019303 | Comparison of Product Information - A method for comparison of product information based on product codes to determine the cost per unit volume per product and hereby determine the cheapest product per unit volume is disclosed herein. Embodiments herein enable the consumer to easily access the cost per unit volume of products, without putting an additional burden on the retailer or any other component in the product supply chain. | 2014-01-16 |
20140019304 | SMART APPARATUS, PAIRING SYSTEM AND METHOD USING THE SAME - A smart apparatus for storing pairing information of an accessory and automatically performing pairing with the accessory if the accessory is operated, a pairing system using the smart apparatus, and a pairing method thereof includes a purchase module for receiving a purchase order for an accessory, and a pairing module for receiving product information including pairing information of the accessory if the purchase order for the accessory is received, and automatically performing pairing with the accessory using the pairing information of the accessory. | 2014-01-16 |
20140019305 | Cloud-driven Social-network Platform focused on Pattern Analysis - A cloud-driven social-network platform focused on data pattern analysis that includes strategy modules operable on a digital processor. These analyze data-sets related to a product of interest and predict future values. The platform allows a user to select a strategy module, download and run it. Data-sets and canvas-modules can be obtained. Canvas modules display analyzed data. Author-users upload their strategy-modules, data-sets and display canvases and make them available to other users. The platform includes quality ratings obtained by analyst testing and user feedback that are a factor in pricing the modules. A Cloud Oriented Analysis Language (COAL) is used and compiling is performed by socially aware compilers that compare the code with known strategy modules and suggests changes. The analysis-functions are executed by a socially-aware runtime engine. The strategy-modules may price underlying exchangeables to provide tradable derivative contracts. The platform automatically establishes links between news events and strategy modules. | 2014-01-16 |
20140019306 | Digital showroom management system and method - A computer implemented digital showroom management system and method provides a software application and database system for entering data into for a plurality of product brands including competing brands and provides limited access to information about the brands to dealers based on their affiliation with certain brands. Dealers using the system and method enter pricing and margin information for products within each of the brands including pricing and margin information for brand/product options and features. System and method provide for creating reports and allows a salesperson to stay with the customer and utilize automated system for assisting in making sales. | 2014-01-16 |
20140019307 | Systems and Methods for Providing Interactive Catalogues - Systems and methods provide a catalogue to be displayed on an electronic device, such as a tablet computer. A catalogue server obtains data about multiple products. The data includes at least an image and text associated with each product. The data is grouped into multiple data streams, and each stream is associated with a product section of the catalogue. A page template, associated with a given data steam, and the product data are combined to form one or more page layouts. The one more page layouts and the given data stream are sent to an electronic device. The one or more page layouts and the given data stream are compiled together by the electronic device to form the catalogue section. | 2014-01-16 |
20140019308 | CUSTOMIZING AN ONLINE SHOPPING EXPERIENCE FOR A USER - A method for customizing an online shopping experience for a user is disclosed. The method includes receiving at a marketplace system a request from a user system to transmit instructions for a rendering by the user system of a predetermined user interface relating to a product, using a processor to select one of a plurality of other user interfaces relating to the product, and transmitting to the user system instructions for the rendering by the user system of the one of the plurality of other user interfaces. | 2014-01-16 |
20140019309 | Online Virtual Mall - An online virtual mall is a website, video game, or arcade that allows shoppers to shop and purchase items, as if they were in a real commercial mall. The online virtual mall contains more than two vendors or companies. The vendors or companies are obtained for the online virtual mall via affiliate programs, or individual contracts between the operators and developers of the website, video game or arcade, and the vendors or companies. Visitors will enter into the website, video game or arcade to shop and purchase product from individual vendors or companies. The vendors or companies will be responsible for billing and shipping of their products. | 2014-01-16 |
20140019310 | APPARATUS AND METHODS FOR DISPLAYING PROJECT PORTFOLIOS AND SELLING PRODUCTS FROM THE PROJECT PORTFOLIOS - A machine-readable medium comprising a set of programmed instructions, the set of programmed instructions when executed by a system configured to cause the system to perform a method for displaying and transacting business off a project portfolio, the method comprising: providing a products database, the products database comprising a plurality of products; creating a digital mood board from a user selection of a plurality of products from the products database; storing the digital mood board into a project portfolio; displaying the project portfolio; and accepting a sales transaction for a product from the project portfolio. | 2014-01-16 |
20140019311 | STORE SYSTEM, CONTROL METHOD THEREOF, AND NON-TRANSITORY COMPUTER-READABLE MEDIUM STORING A CONTROL PROGRAM THEREOF - It comprises a front yard including a display unit that displays commodity images, a receiving unit that receives selection of a commodity desired by the purchaser from among commodities corresponding to the displayed commodity images, an association instruction unit that acquires purchaser identification information identifying the purchaser and makes an instruction to associate commodity identification information identifying the selected commodity and the acquired purchaser identification information with each other, and a handover unit that hands over the selected commodity to the purchaser, and a backyard adjacent to the front yard, the backyard including, a commodity storage unit that stores the commodities corresponding to the commodity images, and a sending unit that takes out the selected commodity from the commodity storage unit on the basis of the associated commodity identification information and purchaser identification information and sends the taken-out commodity as the commodity desired by the purchaser to the handover unit. | 2014-01-16 |
20140019312 | SYSTEM AND METHOD FOR CONTROL OF COMMODITIES INVENTORY FOR ANIMAL FEED RATIONS - A data processing system and method are provided in the form of a livestock management system for specifically managing feeding tasks for a group of animals within a designated location. The system and method incorporate a data processing function wherein comprehensive data is gathered and maintained on individual feed rations which are selectively used to feed a selected group of animals. Functionality of the management system and method include the ability to track amounts of ingredients used for each type of feed ration and any excess or surplus ingredients which may have been withdrawn from storage locations. The management system and method results in improved commodity inventory control to prevent waste of ingredients and to prevent potential cross contamination between different types of feed ration. | 2014-01-16 |
20140019313 | Enhancing a User's Shopping Experience - The subject disclosure provides systems and methods for enhancing a purchasing experience by enabling a purchaser to receive a variety of real-time updates or recommendations regarding products that the purchaser, such as a user, may need or intend to purchase. A recommendation provided by the system may be based upon comparing the product with a plurality of sources. The recommendation may include a recommendation that a product may near depletion and thus may need to be replaced, a recommendation that the user may already have a sufficient amount or number of the product, a recommendation that the product may or may not match an existing item owned by the user, or a recommendation not to purchase a product. A virtual closet may also be created according the systems and methods of the subject disclosure, allowing users and contacts selected by the user to collaborate on products. | 2014-01-16 |
20140019314 | METHODS AND SYSTEMS FOR CUSTOMIZING INVENTORY IN AN AUTOMATED DISPENSING CABINET - A system and method for configuring a dispensing cabinet with products within an electronic catalog hosted by a wholesaler system includes a display of a user interface having a graphical representation of a dispensing cabinet for dispensing products including a graphical representation of each dispensing mechanism. A selection of a single product from a listing of products associates the selected single product to at least one dispensing mechanism and causes a change in the graphical representation of the dispensing cabinet such that the at least one dispensing mechanism is visually identified as having the selected single product associated with the dispensing mechanism. | 2014-01-16 |
20140019315 | METHODS AND SYSTEMS FOR CUSTOMIZING INVENTORY IN AN AUTOMATED DISPENSING CABINET - A system and method for configuring a dispensing cabinet with products within an electronic catalog hosted by a wholesaler system includes a display of a user interface having a graphical representation of a dispensing cabinet for dispensing products including a graphical representation of each dispensing mechanism. A selection of a single product from a listing of products associates the selected single product to at least one dispensing mechanism and causes a change in the graphical representation of the dispensing cabinet such that the at least one dispensing mechanism is visually identified as having the selected single product associated with the dispensing mechanism. | 2014-01-16 |
20140019316 | System, Method and Computer Program Product for Implementation and Management of Change-of-Control Severance - A system and related method to implement and manage severance payments during a change-of-control process, wherein participant's net benefits are equitable and maximized while considering tax liabilities and other constraints. | 2014-01-16 |
20140019317 | Transaction managing system - Present example embodiments relate generally to systems, methods, devices, and computer-readable media for capturing details of a transaction, extracting details of the transaction, categorizing details of the transaction, storing details of the transaction, and creating customizable reports of the details of the transaction in numerical or graphical form, and advising on savings for past and/or future transactions. | 2014-01-16 |
20140019318 | AUTOMATED QUALITY CONTROL ASSESSMENTS OF DATASETS ASSOCIATED WITH REAL ESTATE TRANSACTIONS - A computer-based system assesses whether documents are accurate and sufficient to support various transactions. In one aspect, a document manifest is provided in connection with quality control results and corresponding reports. The document manifest lists documents that are required for a particular transaction. The list may also be associated with document publication pursuant to the transaction. The document publication aspect allows dataset quality control procedures to be associated with documents published for a transaction. This aspect also allows confirmation that the appropriate version of the published set of documents is or was used for the transaction. | 2014-01-16 |
20140019319 | FLOORPLAN-BASED RESIDENTIAL ENERGY AUDIT AND ASSET TRACKING - A method includes populating a touchscreen interface with visual representations of rooms of a residential home, providing a list of assets in a manner facilitating use of the touchscreen select an asset for a visual representation of a room, facilitating entry of make and model information of the selected asset, and obtaining and storing energy audit information regarding the selected asset via a network connection. | 2014-01-16 |
20140019320 | Methods and Systems for Managing Transaction Card Accounts - A method and system for managing transaction card accounts involves providing a customer a transaction card account by a financial institution against which the customer can charge predetermined types of transactions during predefined account statement periods and sending a statement of charges against the account to the customer at an end of each account statement period specifying a due date, after which a predefined late fee is assessed on the account if the statement is not paid. However, the late fee is automatically waived on the account within specified products if the customer makes a purchase or secures a cash advance during the account statement period for which the payment is due. Further, a voice response unit of the financial institution gives the customer a first menu option to opt out of a voice response unit scripted call and speak directly to a live representative about the account at any time during the call. | 2014-01-16 |
20140019321 | APPARATUS AND METHOD FOR GENERATING A DATASET FOR ITEMS OF CURRENCY - The invention relates to a method, system and apparatus to allow the collection of data relating to at lease one parameter of an item of currency and which data can be used to generate a new or updated dataset for the same and which can be used by validation apparatus for said items of currency. The collected data is transmitted from a location which is remote from that at which the new data set is generated and the new dataset is transmitted to the said remote location and/or other locations so as to allow the new or updated dataset to be used by the apparatus. | 2014-01-16 |
20140019322 | MOBILE BANKING SYSTEMS AND RELATED METHODS - Embodiments of mobile banking systems are described herein. Other examples and related methods are also disclosed herein. | 2014-01-16 |
20140019323 | PROCESSING OF ELECTRONICALLY TRADED FIXED-INCOME SECURITY BASED FUNDS - Methods, systems, apparatus, and programming product for creating, maintaining, and otherwise administering new types of fixed income benchmarks and exchange-traded funds. Such benchmarks can be defined and/or occasionally, continually, or periodically redefined by the inclusion of instruments such as new bond issues as they are issued, reweighting of mixes of bond issues used in defining the benchmark(s), and/or removal of bond issues used in such definition, without other changes to the fund(s) and/or benchmark(s). Such benchmark(s) can also be modified through controlled or otherwise selective modification of characteristics used to define the benchmark(s), such as yield to maturity (YTM), maturity date, coupon value, and par value of the aggregated fund(s). | 2014-01-16 |
20140019324 | Delivery System for Futures Contracts - Systems and methods are provided for processing and settling futures contracts that have multiple settlement provisions. A single futures contract may include both a physical delivery settlement provision and a cash settlement provision. Cash settlement provisions may involve inconvertible currencies. | 2014-01-16 |
20140019325 | System and Method for Assisted Awareness - A data feed is monitored to determine whether a condition is satisfied. If the condition is satisfied, an alert is initiated to attract a user's attention. Thereafter, playback mode is entered causing the example system to playback a short period of time-compressed data that occurred just prior to the event occurring to set context for the user. Once the playback signal has caught up with the real-time data feed, the data is output at normal levels. Other configurations, which are described herein, are also possible. | 2014-01-16 |
20140019326 | ONLINE TRADING SYSTEM HAVING REAL-TIME ACCOUNT OPENING - In one embodiment, the online trading system having a real-time account opening process comprises one or more computers coupled to a network. The computers maintain a brokerage account database, and service web page requests received over the network. The web pages are preferably configured to implement a real-time account opening (RTAO) process that establishes new brokerage accounts in the account database. The RTAO process may include (a) obtaining contact information; (b) creating a new record in the brokerage account database for the contact information; (c) obtaining brokerage account application information; (d) updating the new record with the application information; (e) displaying a brokerage account contract; and (f) securing online agreement to said brokerage account contract. The process preferably also includes obtaining funding information to automatically initiate a transfer of funds to the brokerage account. | 2014-01-16 |
20140019327 | MULTICOMPUTER DISTRIBUTED PROCESSING OF LINKED ORDERS - A trading platform and trading method that may allow access to additional pools of liquidity is described. Other embodiments are also described. | 2014-01-16 |
20140019328 | Diverse Options Order Types in an Electronic Guaranteed Entitlement Environment - An enhanced system and method for handling, matching and executing a diverse group of limit-priced orders in an electronic options environment is disclosed. Most of the order types disclosed are automatically repriced and reposted as the NBBO changes to increase their execution opportunities. Market maker entitlements are integrated with the order processing, so that the market maker is guaranteed an allocation of the trade if the market maker is at the NBBO when an order priced at or better than the NBBO is received. Once posted to the order book, the displayed price of an order may be eligible for preferential execution in a market maker entitlement process, regardless of whether the displayed price is original or has been automatically repriced. | 2014-01-16 |
20140019329 | Distribution of Market Data - Systems and methods are provided for communicating and processing market data. The market data may comprise quotes, orders, trades and/or statistics. A messaging structure allows for adding, re-ordering and/or expanding data, within the printable character set of any language. One or more delimiters are defined and used to delimit data elements within the message structure. The data is interpreted based on templates which may be disseminated prior to the sending of messages and used as an abstraction so that the meaning of data need not be conveyed in the message. | 2014-01-16 |
20140019330 | SYSTEM AND METHOD FOR PHYSICALS COMMODITY TRADING - A method and system for an electronic commodities trading marketplace along with ancillary tools provide an electronic trading center for world market commodity importers, exporters, and the intermediaries and processors between them. This trading center is offered through its website centered around a 24-hour exchange that provides trading markets for commodities such as coffee, sugar, cocoa and cotton. The scalable system provides aggregated third party services linked to both front and back office operations. These services can include items such as live futures quotes and real-time news, futures brokerage, banking and finance links and resources, and a suite of applications tailored to members' specific risk-management and end-to-end contract execution needs. The system also provides access to shipping related services such as freight brokerage, direct booking for liner transport, load and discharge supervision and laboratory testing. | 2014-01-16 |
20140019331 | USING COMMERCIAL SHARE OF WALLET TO RATE BUSINESS PROSPECTS - Commercial size of spending wallet (“CSoSW”) is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet (“CSoW”) is the portion of the spending wallet that is captured by a particular financial company. A modeling approach utilizes various data sources to provide outputs that describe a company's spend capacity. Research analysts can use CSoW/CSoSW to provide a comprehensive and robust indication of the business prospects of a rated company. | 2014-01-16 |
20140019332 | System and Method for Card Processing with Automated Payment of Club, Merchant, and Service Provider Fees - An apparatus and methods for a card that allows a cardholder to set up auto-charge payment of dues and fees to a series of clubs, merchants or service providers. The card also may be used for other transactions that accept credit cards. The apparatus includes a database containing information of the associated clubs, merchants and service providers, so that applicants and cardholders can easily configure auto-charging for multiple business concerns in one sitting. The apparatus may process auto-charge transactions in an automated fashion without requiring a cardholder to submit payment authorization or the business concern to submit a charge for each payment. Inconvenience and administrative costs to the cardholder and the business concern are reduced. The system and method provide a competitive advantage to the associated business concerns to secure the initial account and then to maintain it. The system and method encourages card loyalty of both the card members and the business concerns to the card provider. | 2014-01-16 |
20140019333 | Methods and Systems for Segmentation Using Multiple Dependent Variables - Provided are systems and methods for partitioning of segments in a consumer credit segmentation tree. Segments can be defined based on regression tree analysis. | 2014-01-16 |
20140019334 | Method to Facilitate Credit and Savings - A method to facilitate credit and savings, where that method includes establishing a group setting, establishing an administrator for the group setting, and establishing variables for the group setting, wherein the variables include a risk ranking standard and a number (N) of participants, where (N) is greater than 3 and the risk ranking comprises a credit rating determined by a credit bureau. | 2014-01-16 |
20140019335 | SYSTEMS AND METHODS FOR SELF-SERVICE CLOUD-BASED ARENAS FOR INFORMATION TECHNOLOGY-DRIVEN SITUATIONAL MANAGEMENT - A method includes receiving information from an information provider. The information received from the information provider may comprise metrics collected from a sensor that have been manipulated, meta-data that describes the manipulation, quality information associated with the metrics, and semantic information associated with the metrics. The method includes a process of transforming and correlating the information received from the information provider, such that the information becomes transformed and correlated information. The method includes a process of transmitting the transformed and correlated information to a registered information consumer. The method includes a process of establishing a first account pursuant to the information received from the information provider. The method includes a process of establishing a second account pursuant to the transformed and correlated information transmitted to the registered information consumer. The method includes a process of applying a payment policy based on the first account and the second account. | 2014-01-16 |
20140019336 | SMART QUEUING FOR FINANCIAL TRANSACTIONS - Methods and apparatus according to the invention are directed towards providing electronic queuing of execution of financial services by a customer of a financial institution prior to the services being performed. Queuing may shift planning of and preparation for execution of the services, away from a time and/or a site of service-execution. Through queuing, the customer may securely produce, access and modify actionable electronic listings of services and of details of service-execution. The customer may securely activate the listings for the performance of service-executions via the institution's associates and/or machines. Queuing may expedite service-execution. The methods and apparatus may also provide for collaboration among customers in producing, accessing, modifying and activating listings. | 2014-01-16 |
20140019337 | CREDITOR OFFERS FOR TAKING A USER DEBT - Once a user has made a purchase (or during a checkout), a service provider may offer one or more creditors to the user to fund a payment on behalf of the user. The service provider may offer this service to one or more creditors in an auction or bid scenario, in which creditors may submit bids to “win” this service. The winning creditor(s) or payment provider(s) may be featured or displayed to the user when the user is deciding how to make a payment. In this way, a user is more likely to either sign up with a creditor and use the creditor to make a payment or use an already-existing account with the creditor to make a payment. | 2014-01-16 |
20140019338 | WEIGH SCALE CERTIFICATION SYSTEM AND ASSOCIATED METHOD - A method and system for remotely exchanging weighment information via a wireless device, such as a cell phone, pertaining to a vehicle, such as truck, at a vehicle weight station. The system and method may include determining a present location of a vehicle to be weighed, verifying identification information of the vehicle to be weighed and receiving a vehicle weight from a server remote from the wireless device. The system and method may also include exchanging payment information between one or more servers and a wireless device. | 2014-01-16 |
20140019339 | COMMUNICATION PROTOCOL FOR ELECTRONIC FUNDS TRANSFER SYSTEMS - A method and system for the electronic transfer of funds utilizes a computerized facilitating agent and associated database which contains the addresses and operating protocols of all known accounts. A sender of funds instructs the facilitating agent as to the recipient and recipient's destination account and the amount to be transferred. Using the database, the facilitating agent can acquire the address of the recipient destination account and the protocols required for a transfer and effectuates the transfer utilizing available automated clearing house procedures without human intervention. | 2014-01-16 |
20140019340 | Storing and Forwarding Payment Transactions - Method, systems, and apparatus for a method of processing a payment transaction using a mobile device of a merchant. In one aspect, determining the mobile device does not have a connection to an external network; receiving data indicating a payment transaction between a customer and the merchant; determining whether the payment transaction should be stored, where the determining is based on a risk heuristic model that considers one or more of the following: a number of already stored transactions, a value of the payment transaction, a total value, where the total value is a sum of the value of the payment transaction and values of one or more already stored transactions, and risk factors associated with the customer; and based at least on the determination, storing the payment transaction on the mobile device for future processing. | 2014-01-16 |
20140019341 | METHOD, APPARATUS AND COMPUTER READABLE STORAGE TO EFFECTUATE AN INSTANTANEOUS MONETARY TRANSFER - A method, apparatus, and computer readable storage to enable fast transfers of funds from a sender to a receiver even though they have bank accounts at different banks A proxy is used that has an account at the receiver's bank so that the proxy can request an intrabank transfer to the receiver which would typically be quicker than an interbank transfer. An intermediary is a party that organizes a set of transfers related to the transaction. The proxy can be paid a payment for serving as the proxy by the intermediary, the intermediary also receiving a transfer of funds from the sender. | 2014-01-16 |
20140019342 | ELECTRONIC PAYMENT SYSTEMS AND SUPPORTING METHODS AND DEVICES - Electronic payment systems and supporting methods and devices are described. For instance, the disclosed subject matter describes aggregated transactional account functionality configured to receive electronic financial transactions associated with one or more of a set of electronic identifying information such as phone ID, email, instant message, etc. for a user and related functionality. The disclosed details enable various refinements and modifications according to system design and tradeoff considerations. | 2014-01-16 |
20140019343 | Methods and Systems for Routing Payment Transactions - Methods and systems for routing payment transactions electronically involve interrogating by computer logic each payment transaction received by a payments interface processor to identify a payment destination and a payment source and to determine, according to pre-defined parameters, whether the payment transaction is eligible for processing via an internal payment transaction processor of the financial institution that minimizes processing costs. Eligible payment transactions may be routed, for example, to an internal debit or credit card processor or ACH processor, and ineligible payment transactions may be routed to external card processing networks. | 2014-01-16 |
20140019344 | SYSTEM AND ASSOCIATED METHOD AND SERVICE FOR PROVIDING A PLATFORM THAT ALLOWS FOR THE EXCHANGE OF CASH BETWEEN MEMBERS IN A MOBILE ENVIRONMENT - A system and associated method and service for providing a platform that enables members to transfer, receive, or otherwise exchange cash in various international denominations and commodities, such as precious metals (e.g., gold, silver, etc.), in a mobile highly secured telecommunications environment. The system is capable of delivering cash instantly between two or more users by allowing the exchange of secure transactions between system and cash dispensing machines (ATMs). Users may pay, receive, exchange, deposit, transfer, pay bills, exchange currency, retrieve cash, deposit cash and create accounts based on the mobile phone number or a system generated code. | 2014-01-16 |
20140019345 | UNIVERSAL PAYMENT MODULE AND SYSTEM - Methods, systems and instructions stored on computer-readable media for receiving an invoice associated with a buyer from a vendor that includes an invoice amount. The invoice is sent to the buyer. A buyer financial institution and a buyer account are determined. A check is received from the buyer to pay the invoice. A vendor financial institution and a vendor account is determined. A custodian financial institution and a custodian account is determined. An ICL is created based in part on the received check. The ICL includes the buyer account, the buyer financial institution, the custodian account, and the payment amount to transfer into the vendor account. The ICL is sent to the custodian financial institution to transfer the payment amount from the buyer account into the custodian account. An ACH transfer of funds in the amount of the payment amount from the custodian account to the vendor account is initiated. | 2014-01-16 |
20140019346 | UNIVERSAL SYSTEM FOR ELECTRONIC CHECK CREATION AND PAYMENT VIA IMAGE CASH LETTER - Methods, systems and instructions stored on computer-readable media for receiving an invoice associated with a buyer from a vendor that includes an invoice amount. The invoice is sent to the buyer. A buyer financial institution and a buyer account associated with the buyer are determined. A check is received from the buyer to pay the invoice. The check includes a payment amount to the vendor. A vendor financial institution and a vendor account associated with the vendor is determined. An image cash letter is created based in part on the received check. The image cash letter includes the buyer account, the buyer financial institution, the vendor account, and the payment amount. The image cash letter is sent to the vendor financial institution to transfer the payment amount from the buyer account into the vendor account. | 2014-01-16 |
20140019347 | SOCIAL CONNECTIVITY SYSTEM AND METHOD - A method and system for community-based social connectivity. In one implementation, the method can include establishing a group from a plurality of members of a predetermined organization, and storing in memory personal information about the members. In some embodiments, the method can include adding members to the group, and associating at least some members with at least one subgroup at least partially based on the personal information. The method can provide associating the members with a personal communication board and a community communication board and receiving communications from one or more members. The method can include displaying communications created by the members on the personal communication and community communication boards. In some embodiments, the method can include automatically generating and displaying an advertising message on the personal communication and community communication boards so that the advertising message comprises a substantially similar appearance to the communications created the members. | 2014-01-16 |
20140019348 | TRUSTED THIRD PARTY PAYMENT SYSTEM - A trusted third party payment system includes one or more network interfaces that communicate with a device to receive bill information about bills of a bill owner and to communicate with devices to receive bill helper payment instrument information and to communicate with systems operated by billers of the bill owner, and a central processing unit that uses the payment instrument information to pay the bills to the billers systems with funds of the bill helpers. The bill owner, the bill helpers, the billers and the trusted third party are all distinct entities. The system also receives bill helper contact information and electronically communicates to the bill helpers (e.g., email, text message, Facebook or Twitter message) that the bill owner has requested help paying the bills. For at least one of the bills, the CPU pays partial amounts of the bill with funds of each of multiple bill helpers. | 2014-01-16 |
20140019349 | METHOD AND SYSTEM FOR PROCESSING VEHICULAR VIOLATIONS - A method includes receiving paper comprising information regarding a vehicular violation, the information comprising a unique vehicle identifier and a violation classification, extracting from the paper the unique vehicle identifier and the violation classification via automated pattern recognition, uploading the extracted unique vehicle identifier and the violation classification to a database, determining whether the extracted unique vehicle identifier is associated with a predefined plurality of vehicles, responsive to a determination that the unique vehicle identifier is associated with a vehicle of the predefined plurality of vehicles, charging a violation fee for the vehicular violation to a party that was responsible for the vehicle at the time of the vehicular violation, responsive to a determination that the unique vehicle identifier is not associated with the predefined plurality of vehicles, disputing responsibility for the vehicular violation. | 2014-01-16 |
20140019350 | SYSTEM AND METHOD FOR PAYMENT BY VIRTUAL CREDIT CARD - The invention relates to vendor payments using a virtual credit card number for security purposes. The invention is used by a company to pay vendors for services or goods using the virtual credit card number, which alleviates the normal security issues associated with making payments through a normal credit card transaction via computer networks. The invention further provides a convenient apparatus and method in securing such vendor payments. The apparatus and method of the present invention operates independently as a stand-alone system that interfaces with a separate accounting system, credit card assignment system, or other components of an invoice payment system, or is integrated with other components of an accounting system. | 2014-01-16 |
20140019351 | Multi Application Smartcard with Currency Exchange, Location, Tracking and Personal Identification Capabilities - A smart card capable of performing more than one function, said smart card comprising a first memory means comprising a first set of data to access a bank account, a second set of data to access a credit card account, a third set of data representing the identification of a holder of the smart card, and a fourth set of data to access telephone communication services. The smart card further comprises a microprocessor, said microprocessor being in electrical communication with a second memory means, and a location tracking means for determining a location of the smart card. | 2014-01-16 |
20140019352 | MULTI-PURPOSE VIRTUAL CARD TRANSACTION APPARATUSES, METHODS AND SYSTEMS - The MULTI-PURPOSE VIRTUAL CARD TRANSACTION APPARATUSES, METHODS AND SYSTEMS (“WIP”) transform wallet in proxy card generation requests and purchase inputs via WIP components into wallet in proxy card generation notifications and wallet in proxy card-based transaction purchase notifications. In one implementation, the WIP server may receive a transaction authentication request associated with a proxy payment identifier, and then determine that the proxy payment identifier is associated with an electronic wallet. The WIP sever may further obtain a payment identifier associated with the electronic wallet, and authenticate the transaction using the obtained payment identifier associated with the electronic wallet. | 2014-01-16 |
20140019353 | TRANSACTION AUTHORIZATION - A transaction authorization server comprising: a database storing a plurality of customer account records, a network connection operable to communicate with a remote cash dispenser and to receive transaction requests therefrom; and a processor. Each customer account record includes: a unique identifier associated with that customer, an account balance, and customer contact information. The processor is operable to: (i) receive a transaction request, (ii) ascertain from the transaction request a unique identifier and a transaction amount. The processor then (iii) accesses the database using the ascertained unique identifier to: (a) identify a customer account record having a unique identifier matching the ascertained unique identifier, (b) confirm that the transaction amount meets an acceptance criterion based on information contained within that customer account record, but without verifying a personal identification number, and (c) ascertain customer contact information from that customer account record. | 2014-01-16 |
20140019354 | System and Method for Issuing Negotiable Instruments by Licensed Money Transmitter from Direct Deposits - Embodiments relate to a cash card and associated systems and processes. An account structure is provided that allows a non-bank entity to indirectly provide direct deposit capabilities for funds representing pre-payments for negotiable instruments. When a direct deposit of funds into a first account associated with the individual and maintained by a first entity is detected, the total amount of the funds is transferred into a second account associated with the individual and maintained by a second entity. The first entity is a bank or other financial institution subject to federal banking regulations, while the second entity is not subject to federal banking regulations. The individual may withdraw the funds from the second account by requesting the issuance of negotiable instruments. Negotiable instruments may be issued in any dollar amount not exceeding the balance of the second account. A properly enrolled customer may make subsequent deposits into the second account. | 2014-01-16 |
20140019355 | SYSTEM AND METHOD FOR PROVIDING SECURE TRANSACTIONAL SOLUTIONS - The present invention provides a method and system for verifying and tracking transactional information. In an embodiment of the invention, a system for delivering security solutions is provided that includes at least one of the following: a radio frequency (RF) identification device, an identification mechanism (e.g., a card, sticker), and an RF reader. | 2014-01-16 |
20140019356 | ONLINE ELECTRONIC TRANSACTION AND FUNDS TRANSFER METHOD AND SYSTEM - Existing e-commerce is carried out largely using credit card charges, which are expensive in terms of transaction charges and not particularly secure. The present invention provides an online funds transfer system which avoids transmitting sensitive information over the Internet, and utilizes the security and simplicity of the Automated Clearing House system, and the benefits of pre-approved payment and debit systems. It does this by using the bank Automated Clearing House system through pre-approved debits from the purchaser's bank account and payment distribution to the vendor's bank account. | 2014-01-16 |
20140019357 | USER ALERTS FOR MONITORED TRANSACTIONS AT AUTOMATIC TELLER MACHINES - An improved method, apparatus, and computer implemented instructions for processing a check in an automatic teller machine in a data processing system. A check is received from a user at the automatic teller machine. The check is scanned to generate an image. A transaction is performed involving the check. The image is transmitted to a mobile device associated with the user, wherein the image is in a format for use with a financial program. | 2014-01-16 |
20140019358 | SECURE PAYMENT METHOD AND SYSTEM - Representative embodiments of a server-based method of facilitating payment by a user registered with the server include, at the server, generating and storing, for the user, a code readable by a merchant device, transmitting the code to a mobile device of the user, facilitating provision of information characterizing a payment instrument from the user to a payment-processing entity without storing the data at the server, receiving, from the payment-processing entity, a token indicative of the payment instrument but not encoding data that would enable use of the instrument, associating the token with the user, receiving, from a merchant, the code and a payment amount, matching the received code to the user and retrieving the token associated with the user, and providing the token and the payment amount to the payment-processing entity to facilitate completion of a transaction between the user and the merchant. | 2014-01-16 |
20140019359 | ELECTRONIC REGISTRATION FOR SECURELY PROVIDING PRODUCTS AND SERVICES - Some embodiments are directed to a method of providing a product and/or a service, at least one non-transitory computer-readable storage medium comprising computer-executable instructions that, when executed by at least one processor, perform a method of providing a product and/or a service, and an apparatus for providing a product and/or service. An identifier of an asset is read and the asset is identified based on the identifier. A transaction is authorized based on the identified asset. The produce and/or service is acquired and a data associated with the transaction is recorded in at least one storage device. The recorded data is then transmitted to a server. | 2014-01-16 |
20140019360 | METHOD FOR ONLINE PAYMENT, AND SYSTEM AND ELECTRONIC DEVICE FOR IMPLEMENTING THE SAME - In a method for online payment, a seller-end electronic device allows a user input of an account number and payment information associated with a transaction, and transmits the same to a transaction platform. A buyer-end electronic device transmits a payment authorization signal to the transaction platform. The transaction platform transmits the payment information to the buyer-end electronic device. The buyer-end electronic device allows input of a personal identification number (PIN), and transmits a confirm signal to the transaction platform. The transaction platform is configured to communicate with a bank terminal to process a payment for the transaction. | 2014-01-16 |
20140019361 | ONLINE PAYMENT USING REAL-TIME VERIFICATION OF A PAYER'S IDENTITY - A system and/or method of authenticating the identity of a user desiring to conduct a transaction using an electronic device. | 2014-01-16 |
20140019362 | CENTRALIZED IDENTITY AUTHENTICATION FOR ELECTRONIC COMMUNICATION NETWORKS - A method of centralized identity authentication for use in connection with a communications network includes registering users of the communications network such that each registered user's identity is uniquely defined and determinable, and registering a plurality of vendors having a presence on the communications network. The registered vendors selectively transact with registered users, wherein the transactions include: (i) the registered vendor selling goods and/or services to the registered user; (ii) the registered vendor granting the registered user access to personal records maintained by the registered vendor; and/or (iii) the registered vendor communicating to the registered user personal information maintained by the registered vendor. The method also includes each user's identity being authenticated over the communications network prior to completion of transactions between registered vendors and registered users. | 2014-01-16 |
20140019363 | SWITCHING FUNCTIONS FOR MOBILE PAYMENTS SYSTEM - A data processing center computer receives a transaction request from a mobile payment platform (MPP) computer. The transaction request is related to a purchase initiated from an account holder's mobile telephone, and includes a mobile telephone number, a merchant identifier (ID) of a merchant, and a transaction amount. The MPP computer is operated by or on behalf of a service provider having the account holder as a customer. The process also includes translating the account holder's mobile telephone number into the account holder's payment card account number, identifying a merchant acquirer computer, and generating a purchase transaction request including the account holder's payment card account number, the merchant ID, and the transaction amount. The data processing center computer then transmits the purchase transaction request to the merchant acquirer computer for authorization processing. | 2014-01-16 |
20140019364 | ANYTIME VALIDATION TOKENS - Systems and method for producing, validating, and registering authentic verification tokens are disclosed. Such systems and methods include generating verification token specific key pairs. The key pairs can be signed by a verification token manufacturer master key or public key certificate for an additional level of authenticity. Related methods and systems for authenticating and registering authorized verification token manufacturers are also disclosed. Once a verification token manufacturer is authenticated, it can be assigned a manufacturer-specific key pair or certificate and in some cases, a predetermined set of serial numbers to assign to the verification tokens it produces. Each serial number can be used to generate a verification token specific key pair specific to the associated verification token. One component of the verification token key pair can be stored to the verification token. Optionally, the component of the verification token key pair stored to the verification token can be signed by the manufacturer specific master key or certificate and stored a verification token public certificate. | 2014-01-16 |
20140019365 | Processing payment information for online orders at a local merchant's point of sale via direct payment - An online catalog system and method provide customers with a way to place online orders with local merchants, while providing local merchants with the ability to receive payment on an order for order basis prior to shipping the order to the customer. A local merchant's inventory and pricing information is hosted on an online catalog system. An order processing device in communication with the online catalog system is provided to the local merchant. The order processing device receives online order requests and payment information from customers via the online catalog system. The order processing devices generates a payment article at the local store comprising payment information that is then processed at the local merchant's point of sale device. | 2014-01-16 |
20140019366 | METHOD AND A SYSTEM FOR SECURING FINANCIAL TRANSACTION - The present disclosure is related to a method for securing financial transaction. The method includes encrypting transaction information on a server | 2014-01-16 |
20140019367 | METHOD TO SEND PAYMENT DATA THROUGH VARIOUS AIR INTERFACES WITHOUT COMPROMISING USER DATA - A commercial transaction method is disclosed. The method first establishes a secure link over a first air interface by a purchasing device. This secure link is between the purchasing device and a point of sale device. The method further identifies a second air interface, which is different from the first air interface, and the second air interface is used to conduct a secure commercial transaction. | 2014-01-16 |
20140019368 | AUTOMATED NEGOTIATION - A negotiation involves multiple issues. A counteroffer to an offer made by an opposing party is identified from among a set of candidate counteroffers and presented to the opposing party. | 2014-01-16 |
20140019369 | SYSTEM AND METHOD FOR A CONSUMER TO MERCHANT NEGOTIATION - A system and method for a consumer-to-merchant electronic negotiation is provided. The method includes receiving a time-limited initial binding offer from a consumer device for purchasing at least one product of choice from at least one merchant of choice responsive of the at least one product displayed on the consumer device and being offered for sale, wherein the initial binding offer includes at least an offered price for the product of choice, the product of choice, and the at least one merchant of choice, wherein the initial offer expires after a predefined timeframe; determining whether the initial binding offer received from the consumer device is a valid offer for the product of choice; analyzing the initial binding offer using at least one first preconfigured rule received from the merchant device; and generating a time-limited merchant response respective of the analysis of the initial binding offer. | 2014-01-16 |
20140019370 | TRANSFORMING PROJECT MANAGEMENT REPRESENTATIONS INTO BUSINESS PROCESS REPRESENTATIONS - Systems and methods for are described herein for transforming project management application representations into business process models. An aspect provides for receiving at least one portion of a project management application representation; and generating at least one business process by applying at least one transformation pattern to the at least one project management representation. Other embodiments and aspects are also provided herein. | 2014-01-16 |
20140019371 | System and Method for Foreclosure File Assessment and Acceleration - Disclosed is a method for the electronic processing and monitoring of foreclosure litigation. The method allows users to inputted information related to a series of foreclosure cases. This inputted information is stored in a database. On-line court records are then automatically searched to gather records related to the foreclosure litigation. A comparison is made between the inputted and gathered information. Discrepancies between the two data sets can then be highlighted and corrected. The method also allows various rules to be applied to the gathered data. Based upon these rules, recommendations can be automatically generated regarding the progress of the litigation. The system allows law firms to mitigate risk on behalf of their clients and increase the speed by which foreclosure matters progress through the legal system. It also allows financial institutions, or their service providers, to have increased transparency in their active litigated loan portfolio, thereby minimizing the risk of curtailments, operating expenses and carry cost. | 2014-01-16 |
20140019372 | METHODS AND APPARATUS FOR TITLE STRUCTURE & MANAGEMENT - A title management apparatus resident on a first computer including a memory for storing a control program and data, and a processor for executing the control program and for managing the data. The apparatus includes user data resident in the memory including a set of user security indicia. The apparatus also includes a first title object resident in the memory including a title structure, the title structure further comprising a content element, a set of attributes, and a set of title object security indicia. The apparatus further includes a set of stub objects coupled to the title object, wherein the set of stub objects can further optimize the title structure; an authorization structure configured to selectively redeem the content element based at least in part of the user security indicia; and, a title management structure configured to associate a user with the first title object based at least in part of the user data and the title attributes. | 2014-01-16 |
20140019373 | METHOD AND SYSTEM FOR AUTOMATICALLY PUBLISHING CONTENT - The publishing system and method automates at least some portion of a publishing process. The system publishes content using metadata, rights templates and/or specifications, publishing profiles and business rules. | 2014-01-16 |
20140019374 | METHOD FOR CUSTOMIZING AVATARS AND HEIGHTENING ONLINE SAFETY - In accord with the present invention, a method is defined for an intelligent system to analyze potentially damaging information, and send special signals to users in real time, so as to alert potential victims and discourage predators. The present invention defines a method to intelligently process messages that are being sent through online chat sessions, so as to alert potential victims and discourage predators or pedophiles. The method uses intelligent systems that are loaded with a set of rules. By analyzing the messages against these rules, potentially damaging messages can be captured. Then, instructions can be triggered by the intelligent systems. As a result, graphic outputs will be displayed to alert potential victims and discourage predators. The services can be offered in real time. | 2014-01-16 |
20140019375 | COMPUTING SYSTEM AND COMPUTER-IMPLEMENTED METHOD FOR FACILITATING THE CHOICE OF AN ACADEMIC OFFERING - A computing system and computer-implemented method may be used by prospective students and their influencers to choose an academic offering, such as a college major. The computing system enables its user to query an academic institution's database using exact match terms or intelligent-associated keywords. In response to the query, the computing system may identify an academic offering that most closely matches the search query. In addition, or in the alternative, the computing system may further identify alternative academic offerings. The system and method may further be utilized by academic institutions to tailor academic offerings to prospective students. The collected data may be shared among multiple participating academic institutions, and in some embodiments reports of user data relevant to each academic institution are generated for that institution's consideration and use. | 2014-01-16 |
20140019376 | APPARATUS AND METHOD FOR TRANSPORTATION AND UPSELLING OF PRODUCT - A system and method for using product profiling to maximize load capacity of a vehicle. The method includes defining product profiles and retrieving product information associated with the product profiles. The method further includes performing cubing operations for products associated with the product information. The system includes components to perform the method steps. | 2014-01-16 |
20140019377 | SYSTEMS AND METHODS OF TARGETED INTERACTIONS FOR INTEGRATED RETAIL APPLICATIONS - Example gesture based cross-channel commerce retail systems and methods are provided. Some of the example systems and methods permit a consumer to complete a Store Pick Up order, i.e., an order placed by the consumer via computer, mobile device, telephone, fax, mail-order, etc., by gesturing with a mobile device near a digital kiosk and optical sensor at a store pick up location. The mobile device and/or the digital kiosk may display media content to the consumer while the consumer completes the Store Pick Up order. In another example system, a digital kiosk is located in a public area such as an airport, shopping mall, train station, or stadium. The digital kiosk displays media content to the consumer, and the consumer may transfer to a mobile device such media by gesturing with the mobile device near the digital kiosk. | 2014-01-16 |
20140019378 | EVALUATION SYSTEM, METHOD, AND COMPUTER-READABLE RECORDING MEDIUM - An evaluation system includes an evaluation device and a server. The evaluation device includes a detection unit configured to detect a specific action, an ID (identification data) obtaining unit configured to obtain an ID of an evaluation object according to a detection result of the detection unit, a first storage unit configured to store the ID obtained by the ID obtaining unit, and a communication unit configured to transmit the ID to a server and receive evaluation data of the evaluation object from the server. The server includes a second storage unit configured to store the evaluation data of the evaluation object in association with the ID of the evaluation object, a counting unit configured to update the evaluation data of the evaluation object when receiving the ID associated with the evaluation object, and a providing unit configured to transmit the evaluation data to the evaluation device. | 2014-01-16 |
20140019379 | BUSINESS PROCESS CHANGE CONTROLLER - The present disclosure involves computer-implemented methods, software, and systems for managing a transition between business process models. A computer-implemented method includes in parallel with a first business process model, instantiating, using at least one hardware processor, a second business process model, instantiating a temporary exit process step of a set of temporary exit process steps associated with the first business process model and a temporary entry process step of a set of temporary entry process steps associated with the second business process model, coupling an exit transition rule of a set of exit transition rules associated with the first business process model to the first business process model, and activating the exit transition rule after activating the second business process model. | 2014-01-16 |
20140019380 | ASSET ALLOCATION BASED SYSTEM FOR INDIVIDUAL INVESTOR PORTFOLIO SELECTION - A system for allocation asset based portfolio investment and management provides model portfolios which are selected by correlation to investor's responses to a questionnaire concerning time frames and risk tolerance. Recommended model portfolios are presented to investors by asset allocation class percentages only, without identification of any specific securities of fund holdings of the portfolio and without enabling the participating investor to choose or delete specific assets for inclusion in the recommended portfolio. The system enables the investor only to alter the asset allocation. The model portfolios are professionally overseen and managed for compliance with projected returns and conformance to the assigned asset class. The system can be executed on paper or in the form of computer software run locally or on a network. | 2014-01-16 |
20140019381 | Pension Fund Systems - Computer systems, software, and methods of estimating a capital reserve requirement to cover the longevity risk exposure of a financial instrument in the case of a future longevity shock, the financial instrument undertaking to pay to an investor sums according to a payment schedule of amounts arranged to match with the future cash flow obligations of a pension scheme to at least a portion of its members. | 2014-01-16 |
20140019382 | Means by which to exercise fiduciary duty in transacting business via a self-selection process - A process by which a psychometric test is embedded within the sequence of steps for completing an e-commerce transaction, determining knowledge of and competency regarding the product or service offering, using performance scores from a psychometric testing instrument to determine whether individual or group self-selectors understand the risks of their e-commerce choices. The purpose of inserting the psychometric test as a condition for limiting, expanding, restricting, or recommending a certain array of choices is to appropriately exercise fiduciary oversight and, in so doing, reduce or eliminate fiduciary and/or other forms of liability for the vendor, provider, distributor or other party offering products, services, and/or access to content or any other form of digital media. As an individual's score increases on the test, a larger array of choices become available allowing greater opportunity for e-commerce product, service or advise customization. This screening process benefits the individual or group engaging in self-selection by limiting choices where risks are not properly understood. Additionally, the use of the test as a screener to curtail unsuitable choices affords providers and other parties a mechanism to demonstrate that they have properly exercised their fiduciary or other duties when offering e-commerce self-selection. | 2014-01-16 |
20140019383 | Means by which to examine and clarify responsibilities between counter parties in a fiduciary relationship - A process by which to examine and clarify responsibilities between counter-parties in a fiduciary, contractual or other relationship which entails legal responsibilities, obligations and potential liabilities by determining knowledge of and competency regarding the nature of the relationship using performance scores from a psychometric testing instrument to determine whether individuals or groups understand said relationship. | 2014-01-16 |
20140019384 | UTILITY METER SYSTEM - A system includes a utility head end and a utility meter. The utility meter is configured to communicatively couple to the utility head end. The utility meter includes a metrology processor and a head end communications module. The metrology processor is configured to read a measurement. The head end communications module is configured to communicate with the utility head end to transmit the measurement to the utility head end. | 2014-01-16 |
20140019385 | GENERATING A DOCUMENT REPRESENTATION USING SEMANTIC NETWORKS - A method, system and computer program product for developing a semantic network are disclosed. The system includes a server and a client computer, and the method involves: creating a semantic network containing at least one root concept; performing a set of instructions associated with the semantic network, the set of instructions comprising: transmitting information about the semantic network from the client computer to a server; providing information about at least one resource to the server, the at least one resource containing concepts and relations associated with the at least one root concept; receiving information about a modified semantic network from the server; presenting the information about the modified semantic network to a user; receiving a response from the user; based on the response, further modifying the semantic network. The system interactively modifies semantic networks in response to user feedback, and produces personal semantic networks and document use histories. | 2014-01-16 |