04th week of 2012 patent applcation highlights part 57 |
Patent application number | Title | Published |
20120022953 | METHOD FOR DISPLAYING ADVERTISEMENT ON ELECTRONIC APPARATUS - A method for displaying an advertisement on an electronic apparatus is provided. When the electronic apparatus is ready to enter a specific status, an electronic ink (E-ink) display of the electronic apparatus displays an advertisement. The specific status can be a turn-off mode or a power-saving mode. When the electronic apparatus enters the specific status, a power supply of the electronic ink display is terminated. Therefore, the advertisement is still displayed on the electronic ink display even if the power supply of the electronic ink display terminated. | 2012-01-26 |
20120022954 | CLOUD BASED MEDIA PLAYER AND OFFLINE MEDIA ACCESS - According to one general aspect, a method for playing, in an offline mode, a media file may include receiving, by a web browser operating in an online mode and from a content server, a media file and at least one advertisement associated with the media file. The method may further include caching, within a local file system, the media file and the at least one advertisement. The method may also include playing, in an offline mode, the cached media file and the cached at least one advertisement. The method also comprise detecting a user interaction, while in an offline mode, with the at least one advertisement. The method may include caching the user interaction for further processing when in an online mode. | 2012-01-26 |
20120022955 | SYSTEM AND METHOD FOR PROCESSING DONATIONS OF STORED VALUE ACCOUNTS - A system for processing donations of stored value accounts includes a user interface configured to receive a first account identifier, a first issuer identifier, and a first donee identifier; and a donation processor configured to process the first account identifier, the first issuer identifier, and the first donee identifier and to transmit the first account identifier and the first donee identifier to a first issuer associated with the first issuer identifier. | 2012-01-26 |
20120022956 | SYSTEM AND METHOD FOR PROVIDING RECEIPTS, ADVERTISING, PROMOTION, LOYALTY PROGRAMS, AND CONTESTS TO A CONSUMER VIA AN APPLICATION-SPECIFIC USER INTERFACE ON A PERSONAL COMMUNICATION DEVICE - Systems and methods for performing a consumer advertising transaction at a retail device are disclosed. According to one system and method, an identifier associated with the retail device is provided to a personal communication device. An application-specific user interface specific to the retail device is associated based on the identifier. A selection is received for the consumer advertising transaction made by a consumer interacting with the application-specific user interface executing on the personal communication device. The consumer advertising transaction is performed based on the received selection for the consumer advertising transaction made by the consumer interacting with the application-specific user interface. | 2012-01-26 |
20120022957 | System and Method of Managing Contactless Payment Transactions Using a Mobile Communication Device as a Stored Value Device - A method handling payment transactions in a system using mobile communication devices as stored value devices is disclosed. A transaction operations server receives multiple records of the transaction from the stored value device—one via a communication channel through the telecommunication provider network, and another via an independent communication channel. The records are reconciled at the transaction server for transaction verification. | 2012-01-26 |
20120022958 | Biotransaction systems and methods - A biotransaction system. In an example embodiment, the biotransaction system includes a bio scanner that provides a first signal as output; a first device at a first location; and machine-readable instructions adapted to trigger transfer of data from a second location to a third location in response to receipt of the first signal by the first device. In a more specific example embodiment, the first location and the third location represent similar geographic locations. The first device is included in the bio scanner. The second device is positioned at the second location. A third device is positioned at the third location. The machine-readable instructions are adapted to facilitate transfer of the data from the second device to the third device. | 2012-01-26 |
20120022959 | EVENT-RELEVANT CONTENT MACHINE - A content machine generates content for a particular user of a network-based publication system and provides the content to a client machine configured to present the content to the particular user. The content generated by the content machine is generated based on information accessed by the content machine, and the content may include some or all of the information accessed. The information may include social network data of the particular user, event data referencing an event to occur on an event date, a transactional record of the particular user, a transactional record of a further user, client location data corresponding to the client machine, merchandising data referencing an item listed by the network-based publication system, or any suitable combination thereof. | 2012-01-26 |
20120022960 | COMMUNITY MANAGEMENT FOR ELECTRONIC BUSINESS TO BUSINESS TRANSACTIONS - Systems, methods, and devices are described for the automated, community-based exchange of procurement documents. In some of embodiments, there may be different sets of rules for each of a number of different communities of trading partners. Each set of rules may be made up of rules data for the automated exchange of procurement documents in respective communities. By way of example, a host trading partner may select the rules for exchange of procurement documents for a community. Invited trading partners may register for the community, and rules for the community may then be distributed to the registered trading partners. | 2012-01-26 |
20120022961 | COMMUNITY MANAGEMENT FOR ELECTRONIC BUSINESS TO BUSINESS TRANSACTIONS - Systems, methods, and devices are described for the automated, community-based exchange of procurement documents. In some of embodiments, there may be different sets of rules for each of a number of different communities of trading partners. Each set of rules may be made up of rules data for the automated exchange of procurement documents in respective communities. By way of example, a host trading partner may select the rules for exchange of procurement documents for a community. Invited trading partners may register for the community, and rules for the community may then be distributed to the registered trading partners. | 2012-01-26 |
20120022962 | ECOMMERCE MARKETPLACE INTEGRATION TECHNIQUES - Various technologies and techniques are disclosed for integrating ecommerce marketplaces. An ecommerce integration framework has definitions for common data entities that are commonly used by multiple ecommerce marketplaces for listing items. Definitions for common operations that can manipulate the common data entities are provided. An application programming interface is provided that uses the common data entities and common operations to enable enterprise resource planning systems to exchange data in a standardized format with ecommerce marketplaces. Catalogs of items to be sold in ecommerce marketplaces can be created and managed using a customizable structure. The customizable structure enables catalogs to be created in a hierarchical manner with at least one parent catalog and zero or more child catalogs. Data values specified in a respective child catalog override data values specified in the parent catalog. A method for communicating with a particular ecommerce marketplace using an ecommerce integration framework is described. | 2012-01-26 |
20120022963 | Buyer/Supplier Network that Aids Supplier Enablement Through Collaboration between Buyers and Suppliers - Embodiments of methods, systems and apparatus for a buyer/supplier network aiding supplier enablement through creation of a requisition between a buyer and a supplier are disclosed. One method includes receiving, by the buyer/supplier network, a collaboration request for information about a good or service being purchased by a buyer. At least one supplier is identified from an approved supplier list that has the requested information. An account is created for each of the identified suppliers on the buyer/supplier network, and an invitation is sent to each of the suppliers to join the buyer/supplier network. Each of the invited suppliers is allowed to log into the buyer/supplier network through the invitation, and address the request for information. | 2012-01-26 |
20120022964 | METHOD AND APPARATUS FOR CREATING CONTEXTUALIZED AUCTION FEEDS - A method and apparatus is disclosed herein for generating contextualized live auction feeds. The method of generating contextualized live auction feeds comprises receiving context data from a user. The method further comprises utilizing the context data received from the user to search auctions. The method, in one embodiment, includes generating contextualized live auction feeds for an auction based on the context data. | 2012-01-26 |
20120022965 | GEOLOCATION BASED BIDDING SYSTEM, METHOD AND APPARATUS - A system, methods, and apparatus for geolocation based bidding are disclosed. In an example embodiment, sales data regarding geolocation availability information and item and/or service information is stored. A consumer may provide a request for a response by inputting machine readable data including an identifier into a mobile device, and the request includes geolocation data of the mobile device. Bids may be requested from sellers determined based on the identifier, the geolocation data, and the sales data. Bids including a price and availability may be received from sellers based on the consumer request. A bid response may be provided to the consumer mobile device with at least one bid that is binding a seller for a period of time. | 2012-01-26 |
20120022966 | METHOD AND SYSTEM FOR PROVIDING A CUSTOM BIOPOLYMER TO A CUSTOMER - The present invention relates to a method and a system for providing a customer biopolymer to a customer. The sequence of a customer biopolymer is transferred to a production control system of a biopolymer service provider, synthesized on a production machine of the service provider and delivered to the customer, wherein no human action is necessary to initiate or control the synthesis process. | 2012-01-26 |
20120022967 | MIXED SOURCE MEDIA PLAYBACK - Playlists having media items from more than one source are described. Media items in a first library are mapped to media items from an online media item store. Media items within the playlist that can be found in the first library will be played from the first library, while media items not within the first library will be played from the online media store. By identifying media items present in both libraries and playing them only from the first library, the described method can reduce the royalties needing to be paid by the online media store. Further methods are disclosed for setting limits on the number of media items that can be shared by a second library. | 2012-01-26 |
20120022968 | USING A FIRST NETWORK TO CONTROL ACCESS TO A SECOND NETWORK - A wireless communication device is configured to be able to communicate via both a first access point and a second access point for using the first access point to obtain validation credentials in order to permit use of the second access point to access a network. The wireless communication device comprises a processor; and a non-transitory computer readable medium having stored thereon computer executable instructions. The instructions are operable to: initiate communication with the second access point in order to access a network; obtain an access point identifier from the second access point, the access point identifier for identifying the second access point; transmit the access point identifier to a validation server via the first access point; receive validation credentials from the validation server via the first access point; and use the validation credentials to validate the wireless communication device with the second access point to obtain access to the network. | 2012-01-26 |
20120022969 | RELATED PARTY PAYMENT SYSTEM - Systems and methods are disclosed herein which that enable a first party, such as a child, to selected one or more items offered by an online retailer and to send a request to a second party, such as a parent or guardian, to request that the second party purchase the item or items for the first party. The systems and methods provide the second party with the ability to view requests received from the first party, to set limits on the number of requests and the amounts of the requests that the first party may make. The second party may also designate the parties to whom the first party may submit purchase requests. The child may also submit request to one or more non-parental contributors who may contribute money toward the purchase the one or more items for the child. | 2012-01-26 |
20120022970 | DEAL MATCHING SYSTEM - A multiple criteria buying and selling system and method is provided. A seller initially establishes a deal structure for a product, which provides seller defined selling criteria information relating to the purchasing of the product, such as volume per unit price, quality, delivery time and warranty information. A buyer will be able to review a list of deals if the seller's selling criteria matches a buyer defined buying criteria. The deal structure is preferably set up so as to provide buyers with both price and non-price criteria information that the buyer's would consider important in a purchase of the type of product being offered by the seller. The deal structure is electronically made available to potential buyers of the product. For example, the deal structure may be displayed on an Internet site. | 2012-01-26 |
20120022971 | SECURE ELECTRONIC FINANCIAL FUNDS TRANSFER ARRANGEMENT - A secure electronic financial funds transfer arrangement including: a funds provider entity who issue a voucher to a customer after registration; a customer seeking to purchase goods and services from a merchant utilising electronic means, or other means intending delivery of valuable goods to the registered address; a verification means available to the merchant with the funds provider entity and whereupon said validation of the voucher issued by the funds provider entity to the customer will result in the transfer of financial funds from the funds provider entity to the merchant and the delivery of the selected goods and/or services to the registered address made by the customer during the registration process before the financial funds transfer voucher was issued by the funds provider entity. | 2012-01-26 |
20120022972 | ONLINE SYSTEM, METHOD AND COMPUTER PROGRAM PRODUCT FOR VENDORS TO SHARE PRODUCT AND/OR SERVICE PRICEBOOKS WITH RETAILERS - A system, method and computer program product for vendors and retailers to share product or service pricebooks, including a server configured to receive a pricebook from a vendor computer, the pricebook specifying products or services offered by the vendor; the server configured to authorize a connection request between the vendor computer and a retailer computer, based on authorization by a user of the vendor computer and a user of the retailer computer; and the server configured to transmit the pricebook to the retailer computer after the connection request between the vendor computer and a retailer computer is authorized. | 2012-01-26 |
20120022973 | TRUSTED INTERNAL INTERFACE - An interface and device architecture for a payment device. An interface between a payment application installed in a payment device and one or more value-add applications (such as loyalty programs, transit applications, etc.) that are also installed in the payment device. The API or interface design permits communications and data transfer between the payment application and one or more value-add applications. This reduces (and in some cases may prevent) the need for back-end server processing of data that may be relevant to both a payment transaction and to a function of the value-add application. Similarly, the same or another API or interface may enable communications and data transfer between a value-add application and the payment application. | 2012-01-26 |
20120022974 | MULTI-USER WORKS-OF-ART REGISTRY MANAGEMENT - In one embodiment, a registry of works of fine art is managed by a system having a computer communicatively connected to the Internet and to a database that stores the registry. The works of art may include numbered limited-edition prints and original one-off works. Management of the registry includes reading, writing, and modifying registry records. The computer controls access to the registry by Internet-based users. Works of art are shown to users organized by artist. Users may register to become members. The computer allows members to apply to register as owners of particular works of art, subject to approval. Members may view their collections. For any particular work of art, a member may, for example, request authentication of the work, put the work up for sale, transfer ownership of the work, print title documents, report the work lost or stolen, or flash ownership of the work to other users. | 2012-01-26 |
20120022975 | DIGITAL ASSET DISTRIBUTION SYSTEM - Digital asset distribution systems and methods are provided. The method may include receiving a digital asset and associated permissions from each of a plurality of publishers, and hosting the digital assets received from each publisher on a digital asset server system. The method may further include receiving a request from a user to access a requested digital asset via the digital asset server system, determining whether the user is authorized to access the requested digital asset according to the permissions for the digital asset. If the user is not authorized, the method may include displaying a substitute to the user. The substitute may include a link to the digital asset server system by which the user may obtain authorization to download the digital asset. | 2012-01-26 |
20120022976 | Method for creating and maintaining worldwide e-commerce - A virtual network resource infrastructure for hosting and managing a plurality of e-malls and each e-mall uses the virtual network resource infrastructure for offering e-commerce solution and the hosting of: e-shops, e-distributors and web sites. Also, on-line foreign language interface translation and interface exchange. Further having satellite e-malls with e-services and e-mall using satellite e-malls' e-services; user surfing tracking means and multiple sales channel where e-shops, e-malls, satellite e-malls and e-distributors sell their products directly or cross-sell each others products. | 2012-01-26 |
20120022977 | SECURE PRE-LOADED DRIVE MANAGEMENT AT KIOSK - Methods, systems, and apparatus for digital content management and distribution are provided. In an example, a method of protecting digital content at a kiosk is provided. The method includes providing a plurality of memory devices, the plurality of memory devices having pre-loaded content thereon. A selection is received from a user. A memory device is selected from the plurality of pre-loaded memory devices that matches the selection from the user. A dock to which the memory device is to be coupled is determined. The memory device is protected with a unique key corresponding to the dock. | 2012-01-26 |
20120022978 | ONLINE CLOTHING SHOPPING USING 3D IMAGE OF SHOPPER - A shopper inputs a 3D image of himself to a computer which normalizes the image to a standard. The shopper can select an article of clothing from a web site and the image of the article is normalized to the shopper's image using the same normalization standard and superimposed onto the shopper's image. The manufacturer's size corresponding to the correct article size may also be displayed. | 2012-01-26 |
20120022979 | DYNAMIC COMPARISON TEXT FUNCTIONALITY - A system is provided comprising a plurality of listings, a plurality of labels associated with at least some of the listings. Additionally, a plurality of form inputs are provided, each associated with one of the labels, wherein selection of a form input causes a transition of the associated label from a first state to a second state. The system further includes a link that is made active upon the transition, thereby associating an action with a label wherein a first description is displayed in the first state and a second description is displayed in the second state. | 2012-01-26 |
20120022980 | System and Method for Managing Postal Accounting Data Using Transient Data Collectors - Methods and systems using a single centralized database to manage postal accounting data are provided. The central database may interface with remote postal meters by way of one or more transient data collectors, which cache data from associated meters and transmit the data to the central database. The data collectors also validate postage accounts to the associated meters. The use of local transient data collectors allows for a single centralized database to be used without requiring data replication among databases local to each computer that manages postal meters. | 2012-01-26 |
20120022981 | CREATION, REDEMPTION, AND ACCOUNTING IN A VIRTUAL CURRENCY SYSTEM - A virtual currency system keeps track of virtual credits, which can be owned, transferred, purchased, and sold by participants in a virtual economy. Each virtual credit has an internal value and an external value, which define, respectively, the exchange rates for creating and redeeming the virtual credits. Upon creation of new virtual credits, the internal value for those credits is the rate for which real currency was paid per credit. The external value sets the rate at which the virtual credits can be redeemed for real currency. Each virtual credit may further have a face value, which is an apparent value of the virtual credit within the virtual economy, giving users a baseline impression for valuing the virtual currency. These features of the virtual currency enable a number of useful actions within the virtual economy, including currency seeding, couponing, and chargebacks. | 2012-01-26 |
20120022982 | ADMINISTERING CONTRACTS OVER DATA NETWORK - A method for administering performance of a contract over a data network includes storing a lien waiver and receiving an application for payment over the data network from a contract participant based on performance under the contract. The stored lien waiver is retrieved and sent to the participant via the data network upon approval of the application for payment. The at least one data tag may be included in the lien waiver prior to storing the lien waiver. | 2012-01-26 |
20120022983 | Web Based Tax Preparation - A web based tax preparation system may enable communication between an individual and a tax preparer by way of a kiosk or personal computer. The individual scans tax documents and checks the clarity of the scanned tax documents. Thereafter, the scanned and checked tax documents are transmitted to a tax preparer or made available to the tax preparer at which time the tax preparer and the individual are connected by way of a web conference. The tax preparer and the individual may simultaneously view the scanned tax documents as well as the tax return being prepared for the individual. This process streamlines the tax preparation process and also allows the individual to prepare his/her tax returns in the comfort of his/her own home as well as a kiosk which is less intimidating than making a personal appointment with a professional tax preparer. | 2012-01-26 |
20120022984 | TOOL FOR CALCULATING TAX CREDIT AMOUNT AND ELIGIBILITY - An online web-based software application is disclosed to calculate the exact amount of tax credit that a business may receive under the Small Business Tax Credit under Section 45R of the Internal Revenue Code, Title 26 of the United States Code, based on the state each employee works and health care coverage provided by the business to its employees. In one embodiment, a system for determining a healthcare tax credit using a web-based healthcare tax credit calculating tool is disclosed. The healthcare tax credit calculating tool resides on a web server and is accessible from a remote device by a user or users over a wide area network. | 2012-01-26 |
20120022985 | Lens Treatment Management System - A lens processing management system ( | 2012-01-26 |
20120022986 | NETWORK USAGE COLLECTION SYSTEM - A system includes a first database to associate a sub-interface identifier with customer information, a second database to store a history of customer usage records, and a first device. The first device may receive information from a routing device, where the information includes the sub-interface identifier for a sub-interface of the routing device and information identifying an amount of network traffic received at or transmitted from the sub-interface over a time period, use the sub-interface identifier to obtain the associated customer information from the first database, associate the customer information with the information identifying an amount of network traffic received at or transmitted from the sub-interface over a time period to create a new customer usage record, and store the new customer usage record in the second database. | 2012-01-26 |
20120022987 | Personal Data Aggregation, Integration and Access - A data storage archive is provided for storing personal information and other data from a variety of disparate information sources. The information stored may be later electronically accessed and retrieved by users without requiring the users to carry physical documentation having the information stored thereon. The information may be stored in association with a user's financial account at a financial institution. For example, the information may be indexed or stored in an account identified by the user's financial account number or other financial identifier. In some arrangements, accessing the personal information may include a validation process using a security device separate from a device through which a user is attempting to access the information. Personal information may also be shared among financial account holders based on legal and financial relationships known to the financial institution. A user may also manually assign access privileges to other users. | 2012-01-26 |
20120022988 | METHOD AND SYSTEM FOR CREATING AND TRADING DERIVATIVE INVESTMENT INSTRUMENTS BASED ON AN INDEX OF COLLATERALIZED OPTIONS - Collateralized option index derivative investment instruments and methods for creating a collateralized option index are disclosed herein based on changes in a performance of collateralized option strategies. According to an aspect of the disclosure, a method for calculating a collateralized option index is disclosed. In one embodiment, the method for calculating a collateralized option index includes calculating a value of a portfolio invested in a collateralized short strategy according to the relation: | 2012-01-26 |
20120022989 | METHOD AND SYSTEM FOR IDENTIFYING POTENTIAL PARTIES FOR A TRADE OF ONE OR MORE SECURITIES - Methods and corresponding system and non-transitory computer readable media are provide that allow the system to determine a sentiment of one or more potential buyers with regard to one or more securities, identify a primary issuer for a trade of the one or more securities based on the sentiment of the plurality of potential buyers, and communicate the sentiment of the plurality of potential buyers to the primary issuer. | 2012-01-26 |
20120022990 | SYSTEMS AND METHODS OF CREDIT INFORMATION REPORTING - The present invention generally relates to monitoring and advising consumers of their outstanding credit balance by category of debt (i.e. including, but not limited to, the category of all credit cards, all real estate loans, all automotive loans, all revolving credit loans, etc.) and all minimum payments due by category of debt, and more particularly to an on-line method and system for monitoring and reporting total credit used by category of debt, total minimum payments due by category of debt and total unused available credit by category of debt, and alerting the consumer on a periodic basis via email. Since the credit report is the basis of most credit scores this invention is meant to provide the consumer with debt categories that are used in calculating their credit score, which is critical to future borrowing especially when the borrowing is approved or disapproved based only on the user's credit score. | 2012-01-26 |
20120022991 | Consolidated Price Level Expansion - Certain embodiments provide consolidated price level expansion. Data associated with the individual price levels represented by a consolidated price level is expanded and provided through an expanded consolidated price level interface. In certain embodiments, the expanded consolidated price level interface includes a pop-up interface. In certain embodiments, the expanded consolidated price level interface includes an in-line interface. In certain embodiments, an order may be entered using the expanded consolidated price level interface. | 2012-01-26 |
20120022992 | METHOD FOR COMPUTERIZED WAGERING - A system and method for networked exchange are disclosed. A system for networked exchange comprises an internal proxy ( | 2012-01-26 |
20120022993 | Automated Trading System In An Electronic Trading Exchange - An electronic exchange system network includes a trader site having an automated trading system capable of submitting orders to an exchange site. The automated trading system determines whether an order should be submitted based on, for example, the current market price of an option and theoretical buy and sell prices. The theoretical buy and sell prices are derived from, among other things, the current market price of the security underlying the option. A look-up table stores a range of theoretical buy and sell prices for a given range of current market price of the underlying security. Accordingly, as the price of the underlying security changes, a new theoretical price may be indexed in the look-up table, thereby avoiding calculations that would otherwise slow automated trading decisions. Other techniques may be used in addition or in the alternative to speed automatic decision-making. In addition, a system of checks may be conducted to ensure accurate and safe automated trading. The automated trading system may be capable of automatically submitting orders in connection with the underlying security in order to hedge part of the delta risk associated with the automated option trades. | 2012-01-26 |
20120022994 | Large Block Trading System with Trading Controls for Aggressive Pricing - A system and method for trading large blocks of securities with controls for limiting trading under conditions of aggressive pricing are described The system and method are preferably used by a buyer or seller in the electronic trading of securities in dark pools, e.g., and ATS or ECN, that include algorithmic trading or other computer-based programmed trading. Preferably, the system and method will be automatically activated to control trading volume when the price of a security being traded becomes aggressive and priced outside of the trader's target price instructions. | 2012-01-26 |
20120022995 | Digital options having demand-based, adjustable returns, and trading exchange therefor - Methods and systems for conducting demand-based trading are described. In one embodiment, states are established, each state corresponding to at least one possible outcome of an event of economic significance. An investment amount may be determined as a function of a selected outcome, a desired payout, and a total amount invested in the states. In another embodiment, an investment amount may be determined as a function of parameters of a financial product. In another embodiment, a payout may be determined as a function of an investment amount, a selected outcome, a total amount invested in the states, and an identification of a state corresponding to an observed outcome of the event. | 2012-01-26 |
20120022996 | METHOD AND SYSTEM FOR IDENTIFYING PRIMARY ISSUERS WITH ABILITY TO SELL PRIMARY SECURITIES - Methods and corresponding system and non-transitory computer readable media are provide that allow a user of the system to identify primary issuers authorized legally to sell primary securities, from a database that includes a plurality of potential parties, for a trade in one or more securities. The legal authority to sell primary securities may be premised on a regulatory limitation that requires the primary issuer take at least one action in order for the primary issuer to be authorized legally to sell the primary securities. Once identified the system may pair the user and the identified primary issuer and enable the user and the identified primary issuer to communicate offer and counteroffer messages between each other to negotiate a sale of primary securities. | 2012-01-26 |
20120022997 | METHOD AND SYSTEM FOR FACILITATING SECURITIES PLACEMENTS - Methods and corresponding systems and non-transitory computer readable media for facilitating securities placements are provided that allow users of the system to identify a plurality of investors having interests that correspond to an investment project and communicate to one or more investors at least one message that includes non-confidential, basic information regarding the investment project. The system may match investors to the investment project, automatically or otherwise, based on the investors' express or implied interest with regard to one or more securities. Once one or more of the investors that may be interested in the investment project indicate that the investor agrees to maintain project information confidential, the system may thereafter provide the investor with confidential, specific information regarding the investment project. Thereafter, the issuer and investors may negotiate the terms of the private placement and generate documents for the transaction. | 2012-01-26 |
20120022998 | SYSTEM AND METHOD FOR MANAGING TRADING ORDERS WITH DECAYING RESERVES - A system comprises a memory operable to store a trading order for a particular quantity of a trading product, wherein a first portion of the particular quantity is a displayed quantity and a second portion of the particular quantity is a reserved quantity. The system further comprises a processor communicatively coupled to the memory and operable to disclose the displayed quantity to one or more market centers. The processor is further operable to identify a decay rate associated with the trading order. The processor is further operable to cause the reserved quantity to decay based at least in part on the identified decay rate. | 2012-01-26 |
20120022999 | SYSTEM AND METHOD FOR PROVIDING LATENCY PROTECTION FOR TRADING ORDERS - A system for managing trading orders comprises a memory operable to store an order associated with a first price. The system further comprises a processor communicatively coupled to the memory and operable to identify a latency value. The processor is further operable to receive a counterorder and to identify a potential trade associated with the order and the counterorder, the potential trade based at least in part on the first price. If the latency value satisfies a configurable condition, the processor is further operable to initiate a configurable period of time. If the potential trade is not valid upon expiration of the configurable period, the processor is further operable to prevent the execution of the potential trade. | 2012-01-26 |
20120023000 | WHOLE CROP BIOFUEL PRODUCTION (WCBP) - A computerized method of using a data processor having a memory to account for carbon flows and determine a regulatory value for a biofuel can include (i) storing, in memory, a first set of one or more carbon flow values characterizing the production and use of a biofuel derived from a first fraction of an agricultural biomass, (ii) storing, in memory, a second set of one or more carbon flow values characterizing the production and use of a co-product from a second fraction of the agricultural biomass, wherein the second fraction comprises an agricultural residue and wherein the co-product mitigates anthropogenic greenhouse gas emission, and (iii) calculating, using the data processor, a regulatory value for the biofuel from the first and second sets of carbon flow values. | 2012-01-26 |
20120023001 | SOLID PHASE BIOMASS CARBON STORAGE (SPBCS) - A computerized method of using a data processor having a memory to account for carbon flows and determine a regulatory value for a biofuel includes (i) storing, in memory, a first set of one or more carbon flow values characterizing the production and use of a biofuel, wherein the biofuel is derived from a first fraction of an agricultural biomass, (ii) storing, in memory, a second set of one or more carbon flow values characterizing the sequestration of solid phase biomass carbon, wherein the solid phase biomass carbon is derived from a second fraction of the agricultural biomass and wherein the sequestration mitigates anthropogenic greenhouse gas emission, and (iii) calculating, using the data processor, a regulatory value for the biofuel from the first and second sets of carbon flow values. | 2012-01-26 |
20120023002 | SYSTEM AND METHOD OF IMPLEMENTING MASSIVE EARLY TERMINATONS OF LONG TERM FINANCIAL CONTRACTS - A method of and system for terminating or assigning outstanding OTC derivative transactions between a plurality of financial institutions (banks). The system comprises: a processing station arranged to receive transaction data describing a plurality of transactions from a plurality of banks via the Internet. The processing station comprises: a linking module for linking different versions of the same transaction received from different parties to that transaction; an analysis module for determining a set of linked transactions between a plurality of different banks, wherein each bank has debts and claims towards other banks in the set; a calculation module arranged to calculate an aggregated value of each set of linked transactions and select the set of linked transactions which has an aggregated value within bank-specified tolerance limits acceptable for executing a termination; and an execution module for executing a termination or assignment of the selected set of linked transactions. | 2012-01-26 |
20120023003 | SYSTEM AND METHOD OF IMPLEMENTING MASSIVE EARLY TERMINATIONS OF LONG TERM FINANCIAL CONTRACTS - A method of and system for terminating or assigning outstanding OTC derivative transactions between a plurality of financial institutions (banks). The system comprises: a processing station arranged to receive transaction data describing a plurality of transactions from a plurality of banks via the Internet. The processing station comprises: a linking module for linking different versions of the same transaction received from different parties to that transaction; an analysis module for determining a set of linked transactions between a plurality of different banks, wherein each bank has debts and claims towards other banks in the set; a calculation module arranged to calculate an aggregated value of each set of linked transactions and select the set of linked transactions which has an aggregated value within bank-specified tolerance limits acceptable for executing a termination; and an execution module for executing a termination or assignment of the selected set of linked transactions. | 2012-01-26 |
20120023004 | METHOD FOR SETTLING COMMODITY TRADES - A third party scheduling company receives future commodity transaction data from subscriber companies and identifies transactions which are circular in nature (i.e. a series of transactions which begins and ends with the same company). The scheduling company notifies the subscriber companies when a circular transaction exists to allow these companies to settle the transaction into a purely financial obligation. | 2012-01-26 |
20120023005 | Securitization of a Commercial Transaction - A method and apparatus for generating a tradable security includes confirming a vendor's compliance with predefined terms of a commercial transaction, such that a buyer is obligated to make a due payment. The method and apparatus further includes electronically rating a financial commitment relating to a receivable account for the commercial transaction. This receivable account is rated based on conditions and factors known to a system facilitating the commercial transaction. Based on the ability for the financial commitment to be rated, a financial exchange is operative to transfer entitlement rights to monies due under the receivable account where the terms for the transfer of the entitlement rights are based at least in part on the electronic rating. Thereby, receivable accounts to commercial transactions may be tradable by one or more investors as properly rated investment. | 2012-01-26 |
20120023006 | Credit Risk Mining - Systems and techniques for developing and implementing a credit risk model using various sources of data, including price data, financial accounting ratios, ESG (Environmental, Social and Governance) data, and textual data are disclosed. Each source of data provides unique and distinct information about the health of an entity, such as a firm or company. The systems and techniques combine information from disparate sources to create a uniquely powerful signal. The systems and techniques can be used to predict a number of events including, but not limited to, probability of default or bankruptcy, loss given default, probability of rating agency rating change, and probability of equity price moves. | 2012-01-26 |
20120023007 | SYSTEM AND METHOD FOR CONSOLIDATION OF COMMERCIAL AND PROFESSIONAL UNDERWRITING - The invention provides an automated financial information management and processing system. The invention allows for the consolidation of commercial lending, commercial real estate lending, personal financial underwriting, risk assessment and decisioning into a single platform. The invention allows for the integration personal and corporate financial information for lending decisioning. | 2012-01-26 |
20120023008 | N TO N MONEY TRANSFERS - Various methods, systems, and devices are described for performing money transfers to one or more payees from one or more payors using a money transfer system. A party, such as a payor, a payee, or a third party may create a set of payee rules. The same or a different party may also create a set of payor rules. The payee rules may comprise conditions which, when satisfied, permit a payee to receive funds from a funds pool. The payor rules may comprise conditions which, when satisfied, permit a payor to provide funds to the funds pool. The money transfer system may determine whether requests from a payor and a payee comply with the payor rules and the payee rules, respectively. Based on the determination, the payor and/or payee may be permitted to complete their requested transaction, or their transaction may be denied. | 2012-01-26 |
20120023009 | SYSTEMS AND METHODS FOR PROCESSING CARD FULFILLMENT REQUESTS - Systems and methods for processing card fulfillment requests are provided. A card fulfillment request associated with a financial institution and including information associated with an account at the financial institution may be received, and an account identifier for the account may be identified. Information associated with one or more instant issuance requests for the financial institution that have previously been approved for fulfillment may be obtained. Based upon a comparison of the identified account identifier to one or more account identifiers associated with the instant issuance requests, a determination may be made as to whether the identified account identifier corresponds to one of the account identifiers associated with the one or more instant issuance requests. If a correspondence is found, then a determination may be made that the card fulfillment request is not to be fulfilled. Otherwise, a determination may be made that the card fulfillment request be fulfilled. | 2012-01-26 |
20120023010 | SYSTEM AND METHOD FOR ENCOURAGING DEPOSIT ACCOUNT BALANCE STABILITY - Systems and methods are provided for encouraging for deposit account stability. The systems and methods may include defining rules relating to a defined account balance incentive band for a given deposit account, monitoring and store balance information in the at least one storage device, determining whether the stored balance information indicates that a balance of the at least one deposit account falls within the account balance incentive band, and determining whether to assess a penalty to a depositor associated with the deposit account based on the determination of whether the balance of the deposit account fell within the account balance incentive band. | 2012-01-26 |
20120023011 | PLUG-IN SYSTEM AND METHOD FOR CONSUMER CREDIT ACQUISITION ONLINE - An apparatus, system, and method to provide substantially in real time personalized and/or customized consumer credit from a Credit Provider into substantially any shopping basket or facility on the Internet or on a mobile network. In one embodiment, a consumer credit plug-in is provided to facilitate consumer credit provision to a consumer at a destination Website, including a credit service system including a memory having stored thereon consumer credit provision related instructions and consumer credit related data, and a processor to execute credit provision requests or instructions; wherein the consumer credit plug-in includes a file with instructions to execute commands to enable said remote credit service system to provide credit product provision to consumers, substantially in real time. | 2012-01-26 |
20120023012 | System and Method for Registering an EDI Participant Identifier and Managing EDI Trading Partners - An EDI (Electronic Data Interchange) participant registry system provides a database connected to a computer network which permits access to an authoritative repository of records relating to the EDI communication. Participant may subscribe to publish their EDI related information's to existing or potential trading partners. The system provides participant with an interface so that each participant can subscribe and maintain is information as well as build is own trading partner list using other participant records. As all participant are responsible to maintain there information on the system, the trading partner list provides continuously valid data to facilitate business-to-business EDI communication. | 2012-01-26 |
20120023013 | NONPROFIT ORGANIZATION RESIDUAL MERCHANT ACCOUNT CONTRIBUTION SYSTEM AND METHOD - A system and method whereby certain nonprofit entities and/or their business contributors may recover portions of certain fees currently being paid in the normal and regular in their course of doing business. These recovered fees may then be used as essentially automatic contributions to qualified IRS 501(c)(3) organizations, or public charities described in Internal Revenue Code Section 509, or agencies which operate for the public good (e.g., disaster relief, homeless shelters, support groups such as booster clubs, etc.) (such eleemosynary organizations all being referred to herein generally just as non-profit entities). This system and method is termed “Non-profit Organization Residual Merchant Account Contribution” (NORMAC). | 2012-01-26 |
20120023014 | Method and Apparatus for Increasing Charitable Donations By Providing Instantaneous Donor Recognition - Charitable donations are increased by automatically providing immediate on-line recognition of on-line donors. A list of donors is maintained on a Web page acknowledging the on-line contributions. Donor names on the list can be links to additional information about the donation or the donor. Information about donor and donation is entered by the donor, who can specify what information is to be published on the Web and what information is to remain unpublished. The donor list can be arranged in order of donation size, and donors can compete for position on the list. The donor information can indicate membership in a group, and donations can also be totaled by group to encourage donation competition between groups. | 2012-01-26 |
20120023015 | Consolidated Payment and Bank Error Correction - Improved techniques are disclosed for payment of accrued moneys via a third party intermediary. In one embodiment, a consolidated royalty can be provided for online sales of digital assets of a digital asset provider. Since the online sales can be from various different countries, the online sales can be in a plurality of different currencies. The royalties due a digital asset provider from online sales in the different currencies can be consolidated at appropriate times into a single currency and then disbursed to the digital asset provider. In another embodiment, royalty disbursement management can be provided to alert a digital asset provider that an attempted distribution has failed and to facilitate the digital asset provider in correcting appropriate banking information to assist in obviating the distribution failure. | 2012-01-26 |
20120023016 | SYSTEM AND METHOD FOR PRIORITIZING PROCESSING OF PAYMENT INSTRUCTIONS - A prioritizing system and method are disclosed for prioritizing processing of payment instructions through a payment instruction processing system of a business entity. The method includes identifying a first set of rules determining a prioritization among a set of payment instructions. These include payment instructions related to payments from nostro accounts associated with the business entity and processed by other business entities. Also, the payment instructions have data fields for qualitative and quantitative attributes describing the payment instructions. The method also includes holding and ordering the payment instructions in a queue, determining a first sequence ordering the payment instructions in the queue based upon the first set of rules, and initiating processing of the payment instructions in the queue according to the first sequence. | 2012-01-26 |
20120023017 | Intelligent ATM Check Image Deposit Engine - Systems and methods for recognizing a check deposit received in a self-service financial transaction device are described. A check is received from a customer associated with an entity for deposit into an account of the entity. Upon determining a that an amount of the check received for deposit cannot be determined from a scanned image of the check, deposit transaction data for the customer is collected and analyzed, including the frequency and timing of the customer's previous check deposits, the amount of the customer's previous check deposits, the payor of such deposits, etc., to predict the amount of the currently received check. | 2012-01-26 |
20120023018 | Automated banking machine - An automated banking machine ( | 2012-01-26 |
20120023019 | Automatic Settlement of User Account From a Remote Kiosk - A transaction kiosk collects cash from a user and then electronically negotiates with the user's creditor to settle a balance on an account with the creditor. The bank recognizes the cash deposited in the transaction kiosk by the user as security for the settlement amount. The cash deposited in the transaction kiosk is considered a cash asset owned by the bank and available to satisfy depositor claims. A transaction processor brokers the transaction between the user of the transaction kiosk, the surety bank, and the creditor. | 2012-01-26 |
20120023020 | SYSTEMS AND METHODS OF INTRODUCING AND RECEIVING INFORMATION ACROSS A COMPUTER NETWORK - One method involves the use of stored value account that may be used, for example, to make internet payments, and that can be credited using a variety of payment techniques. Such a method involves receiving money at a money transfer location from a potential purchaser. The money is then stored as an electronic record in a stored value account of the purchaser. This money is then available for transfer at the request of the purchaser. Upon such a request, the money may be electronically sent to a recipient and the stored value account may be debited. | 2012-01-26 |
20120023021 | SYSTEMS AND METHODS OF INTRODUCING AND RECEIVING INFORMATION ACROSS A COMPUTER NETWORK - One method involves the use of stored value account that may be used, for example, to make internet payments, and that can be credited using a variety of payment techniques. Such a method involves receiving money at a money transfer location from a potential purchaser. The money is then stored as an electronic record in a stored value account of the purchaser. This money is then available for transfer at the request of the purchaser. Upon such a request, the money may be electronically sent to a recipient and the stored value account may be debited. | 2012-01-26 |
20120023022 | CARD-PRESENT SECURITY SYSTEM - A method, system and apparatus for authenticating the validity of a transaction. The method includes the steps of receiving data identifying a means for carrying out the financial transaction; receiving data identifying a mobile network segment for routing communications via a mobile communication device associated with a user requesting the transaction; comparing the mobile network segment data and the data identifying the means for carrying out the transaction with a database of correlated data identifying one or more means for carrying out a transaction associated with further data identifying one or more mobile network segments; and authenticating the transaction in dependence on the result of the comparison. | 2012-01-26 |
20120023023 | Methods, Systems, And Products For Providing Electronic Media - Methods, systems, and products are disclosed for providing electronic media to a customer. One method prompts a customer to license a right to electronic media. If the customer agrees to license the right, then the license is electronically stored on behalf of the customer. The licensed electronic media is communicated to the customer via a communications network. | 2012-01-26 |
20120023024 | Programmable Card - Embodiments of the invention are directed to programming a payment device that can be in the same form factor as a typical credit or debit card and which can be programmed and reprogrammed with various payment profiles. The payment device is interfaced with a mobile device, such as through insertion into a module capable of holding the payment device within proximity to a main housing of the mobile device. The payment device can include both a magnetic stripe and an IC chip which is capable of near field communication. In embodiments of the invention, the mobile device, such as a cellular phone, includes a memory element. The memory element securely stores payment profiles of financial accounts which are commonly found on credit, debit, gift, transit and loyalty cards. When a payment profile stored in the memory element of the mobile phone is selected, the mobile phone writes the profile onto the payment device. The payment device can then be utilized to communicate payment profile information to a payment device reader during contact or contactless transaction. | 2012-01-26 |
20120023025 | SECURE DONATION SYSTEM AND ITS METHOD - A secure donation system is connectible to information processing device of donor, donee, and specific store via network. The system includes: a database for storing donation intention data of donor, requirement data of donee, and merchandise and/or service transaction data of specific store; a resource allocation module for generating donee data meeting donation intention data by analyzing and matching donation intention data with requirement data; a donation module for donor to choose donee from donee data meeting donation intention data generated by resource allocation module and for generating donation usage certificate after confirming donation data including donation intention data and donee data; and an authorization module for transmitting donation usage certificate to electronic device of chosen donee, so as for donee to perform verification and shopping in specific store via electronic device. Besides, a secure donation method having mechanisms of requirement matching and postpaid is also provided. | 2012-01-26 |
20120023026 | MOBILE WALLET AND DIGITAL PAYMENT - The claimed subject matter provides a system and/or a method that facilitates securing a wireless digital transaction. A terminal component can receive a portion of data related to a payment for at least one of a good or a service. A mobile device can include at least one mobile payment card (m-card), wherein the m-card is created by establishing a link to an account associated with a form of currency. The mobile device can employ public-key cryptography (PKC) to securely and wirelessly transmit a payment to the terminal component utilizing the m-card and linked account. | 2012-01-26 |
20120023027 | AUTOMATED METHOD AND SYSTEM FOR PRINT HEAD WARRANTY VERIFICATION - According to aspects of the embodiments, there is provided methods and systems for handling warranty services in a printing environment through use of an automatic process that writes all necessary warranty claim data into a log that be sent to a warranty service provider for print head replacement. The invention, in one embodiment, avoids the additional costs and time for sending a print head to the warranty service provider, and minimizes any administration efforts of the warranty service provider. The invention reduces print head warranty process validation time and makes the process more robust by tracking initial install date, current system date, and usage of the print head to ensure the print head has been used and maintained properly during the warranty period. The warranty data is stored in an encrypted field so that it cannot be changed. Further, the warranty service provider and authorized users can request a warranty claim receipt without the need to remove or idle the print head. | 2012-01-26 |
20120023028 | ASSISTED SERVICE TERMINAL - An assisted service terminal is described. The terminal comprises a currency dispenser; and an operator computer coupled to the currency dispenser. The operator computer includes: (i) an agent arranged to communicate status information to a remote management system, and (ii) a dashboard application. The dashboard application is arranged to (a) receive status messages from the currency dispenser indicative of a fault in the currency dispenser, (b) present the received status messages to an operator, and (c) notify the agent to issue a request to create an incident on the remote management system in response to the operator indicating that the fault cannot be resolved without a visit from a service engineer. | 2012-01-26 |
20120023029 | Method to Capture Direct Patent Infringement By Indirect Infringement Acts - The present invention generally relates to claims and methods of drafting patent claims that can be directly infringed by affirmative contributory or inducement acts. | 2012-01-26 |
20120023030 | APPARATUS, SYSTEM, AND METHOD FOR SOCIAL NETWORK JOB APPLICATIONS - An apparatus, system, and method are disclosed for social network job applications. A method for submitting a job includes receiving details for a job posting from a job poster and the job posting corresponds to an employment position. The method includes providing the job posting for viewing on a job board by one or more users of a social network. Each account includes a user profile storing user information. The method includes receiving a request from a user to apply for the employment position corresponding to the job board posting. The method also includes submitting a job application for viewing by the job poster. The job application includes at least a portion of the user information from the user profile corresponding to the user. At least a portion of the user information included in the job application is pulled from the user profile. | 2012-01-26 |
20120023031 | BUSINESS MATCHING SYSTEM AND METHODS THEREOF FOR THE CREATIVE ARTS INDUSTRIES - Embodiments of the present invention are generally related to a business matching system and methods thereof. More specifically, embodiments of the present invention relate to a network-based system for matching a candidate with an open position of an employer within a predetermined creative arts industry and methods of utilizing and implementing the same. In one embodiment, a method of matching business personnel comprises: receiving, at an administrator, candidate data comprising at least information pertaining to the candidate's professional abilities; receiving, at the administrator, employer data comprising at least information pertaining to the employer's employment needs; utilizing a processer, at the administrator, to compare the candidate data to the employer data based upon at least one predetermined criteria; and enabling a virtual audition between the candidate and the employer upon determination of a positive match between the candidate data and the employer data based upon the at least one predetermined criteria. | 2012-01-26 |
20120023032 | Resource Allocation and Sharing for Direct-Shipping - A system and method of providing package shipment by a package shipper including providing options for a shipment route, including at least one portion of the shipment route being air cargo, is disclosed, which may comprise receiving, via a communications network, from a package shipping customer, input including at least an origin, a destination and a latest time for delivery for a package; determining, via a computing device, a first optimized list of alternative shipment routes, optimized for profit to the package shipper; and providing, via the computing device, the customer with an option to further optimize according to a first optimization criteria selected by the customer from a list of a plurality of optimization criteria. The list of optimization criteria may include at least price, time of delivery and greenness. | 2012-01-26 |
20120023033 | TRANSPORT INFORMATION SYSTEM - A transport information system provides information and communications to enable the self-directed coordination of multiple vehicles engaged in a transportation service primarily targeted at passengers. The system provides the driver of each vehicle with information comprising a choice of routes or trips requiring service, each with a corresponding fee to be charged to the driver, or an incentive to be paid to the driver. A fee/incentive determiner determines the fees and incentives based on a number of factors, which may include an estimate of fare revenue anticipated for servicing the routes or trips. The transport information system strives to offset differences in fare revenue between the various routes or trips by varying the fees and incentives, thus motivating the drivers to service all the route and trips. | 2012-01-26 |
20120023034 | Store Mapping System and Method for Locating Merchandise in a Store - A system and method for locating merchandise in a store having a plurality of products, such as grocery stores and the like. Each product in the store is assigned identifying information, including a location indicator, position indicator and shelf zone indicator, that is associated with the store layout and which can be utilized by a customer to locate a single item in the store. The identifying information for each product is entered into a computerized database, which includes product availability information. Access to the database is provided to customers through computer terminals in the store and via the Internet from a computer or other device. The customer can also access the database using a hand-held device, such as a smart phone or PDA, and use the device as he or she obtains the item. Using the identifying information, the customer can easily and quickly find the item in the store. | 2012-01-26 |
20120023035 | SYSTEM, METHOD, AND PROGRAM PRODUCT FOR MANAGING A COLLECTIVE INVESTMENT VEHICLE INCLUDING A TRUE-UP OPERATION - A method, system and program product for managing redemptions for a collective investment vehicle, the method comprising: performing a creation event; calculating and disseminating automatically an intraday indicative value (IIV); performing a redemption event, comprising: receiving, a request to redeem shares of the collective investment vehicle for a given MP, with the request to redeem shares comprising a number of shares to redeem or a value-specifying parameter; communicating before a strike time an identification of first set of one or more assets to distribute including a number of each one of the assets, to a market participant representative (MP representative), acting on behalf of the given MP for which the collective investment vehicle shares were received, which MP representative is governed by an agreement imposing a restriction on liquidation and disclosure of the first set of assets; calculating, a redemption true-up monetary amount, based on a monetary value at the strike time of the first set of one or more assets and either the monetary value as of the strike time of the number of shares requested to be redeemed, or the monetary value as of the strike time comprising a number of shares approximated by the value-specifying parameter, to obtain the redemption true-up monetary amount; and sending, an electronic message to cause a transfer of all or a portion of the first set of assets directly or indirectly to an electronic account of the MP representative. | 2012-01-26 |
20120023036 | METHODS AND SYSTEMS REGARDING VOLATILITY RISK PREMIUM INDEX - An exemplary aspect comprises receiving data related to an underlying asset; calculating values corresponding to near-term implied volatility and realized volatility for the underlying asset; and transmitting data sufficient to describe an index based on a difference between the values corresponding to the near-term implied volatility and the realized volatility for the underlying asset. Another exemplary aspect comprises receiving electronic data related to an underlying asset; calculating data sufficient to describe a plurality of call options and a plurality of put options related to the underlying asset and written on a first settlement date; crediting an account with proceeds from selling the call and put options; and debiting the account to settle one or more of the options that are in-the-money on a second settlement date. Other aspects are apparent from the description and claims. | 2012-01-26 |
20120023037 | SYSTEMS AND METHODS FOR FACILITATING AGGREGATION OF SOCIAL CREDITS - Various embodiments are directed to systems and methods for facilitating the aggregation of carbon reduction credits resulting from finance loans financing the purchase of energy technology. For example, a credit aggregator may receive from a finance institution estimate parameters describing a loan type. The credit aggregator may calculate a value of a carbon reduction credit associated with each loan of the loan type considering the estimate parameters and display the value to the finance institution. In addition, the credit aggregator may receive bid data and booking data from the finance institution. When a credit is booked, the credit aggregator may receive from the finance institution periodic indications of a status of the intervention technology. | 2012-01-26 |
20120023038 | SYSTEM AND METHOD FOR DYNAMIC PATH- AND STATE-DEPENDENT STOCHASTIC CONTROL ALLOCATION - The invention includes a system and process that employs contractual bargaining with agent-based computational methods for the dynamic allocation, optimization, and pricing of contingent rights and obligations between multiple counterparties with overlapping interests. The processes employ a dynamic and endogenous hierarchy or tiering of binding incentive compatible contingent strategies, which may include optimal liquidation policies for matched assets and liabilities based upon stochastic volume/price schedule related to statistically non-stationary supply/demand elasticities and order-flow, as well as variations in market microstructure. The invention includes a dynamic open system with distributed stochastic control of strategic interactions among dynamic optimizing agents across random states, wherein the actions of any one affects the joint costs and benefits for all the agents. | 2012-01-26 |
20120023039 | SYSTEM AND METHOD FOR TAX-ADVANTAGED FINANCING OF RESIDENTIAL RENEWABLE ENERGY EQUIPMENT - A method and system are disclosed for tax-advantaged financing of renewable energy consumer premises equipment (CPE) for installation and operation on a residential premises of a residential consumer. The method comprises (a) agreeing to supply power generated by the renewable energy CPE to the residential premises of the residential consumer and (b) taking a real property security interest in a primary residence of the residential consumer, whereby the real property security interest secures payments for the power supplied to the residential consumer. | 2012-01-26 |
20120023040 | METHOD AND SYSTEM FOR REAL-TIME EQUITY RISK PREMIUM - A process and integrated system for estimating a customized, ex-ante equity risk premium in real time or as of a user-specified historical date. A related database retrieves and processes selected market data and applies the method to determine the ex-ante ERP estimate. Modified versions of the method and system provide size risk premium estimates, industry risk premium estimates, and country risk premium estimates. Another embodiment recursively processes risk premium estimates to further improve accuracy. | 2012-01-26 |
20120023041 | SYSTEM AND METHOD FOR PREDICTIVE NETWORK MONITORING - A system and a method for at least predicting a trend toward a reduction in performance of a computer and/or a computer network. Preferably, the system and method is able to predict a trend toward a potential failure of a computer and/or a computer network. | 2012-01-26 |
20120023042 | CONFIDENCE LEVEL GENERATOR FOR BAYESIAN NETWORK - A system includes a computer implemented Bayesian diagnostic system. The diagnostic system includes an inferencing engine and a conditional probability table that forms the basis for Bayesian inferences once the diagnostic system is trained. Each inference includes a diagnosis and associated probability of the diagnosis. A confidence generator receives the inferences, and generates a confidence measure for each inference. | 2012-01-26 |
20120023043 | Estimating Probabilities of Events in Sponsored Search Using Adaptive Models - A machine-learning method for estimating probability of a click event in online advertising systems by computing and comparing an aggregated predictive model (a global model) and one or more data-wise sliced predictive models (local models). The method comprises receiving training data having a plurality of features stored in a feature set and constructing a global predictive model that estimates the probability of a click event for the processed feature set. Then, partitioning the global predictive model into one or more data-wise sliced training sets for training a local model from each of the data-wise slices, and then determining whether a particular local model estimates probability of click event for the feature set better than the global model. A given feature set may be collected from historical data, and may comprise a feature vector for a plurality of query-advertisement pairs and a corresponding indicator that represents a click on the advertisement. | 2012-01-26 |
20120023044 | Issue Resolution in Expert Networks - Techniques are provided for improved issue resolution in an expert network. For example, a method comprises the following steps. Information is extracted comprising: content of one or more historical records associated with resolutions of one or more previous issues; and transfer routing sequences indicating routes through routing entities in an expert network that the one or more previous issues passed in order to be respectively resolved;. A model is computed based on at least a portion of the extracted information, wherein the computed model statistically captures one or more ticket transfer patterns among routing entities in the expert network. One or more future issue resolution routing recommendations are determined based on at least one of the one or more ticket transfer patterns captured by the computed model. | 2012-01-26 |
20120023045 | Recommender System with Training Function Based on Non-Random Missing Data - A processing device of an information processing system is operative to obtain observed feedback data, to construct a model that accounts for both the observed feedback data and additional feedback data that is missing from the observed feedback data, to optimize one or more parameters of the model using a training objective function, and to generate a list of recommended items for a given user based on the optimized model. In illustrative embodiments, the missing feedback data comprises data that is missing not at random (MNAR), and the model comprises a matrix factorization model. The processing device may implement a recommender system comprising a training module coupled to a recommendation module. | 2012-01-26 |
20120023046 | Deducing Shadow User Profiles For Ad Campaigns - A method and a system are provided for deducing shadow user profile attributes for ad campaigns aimed at target users. In one example, the system extracts tagged data from source data. The tagged data includes label information associated with an actual profile for a user. The tagged data is associated with the user. The system prepares the tagged data by splitting the tagged data into datasets, including at least training data and test data. The system generates one or more individual models based on the tagged data, wherein the one or more individual models provide the ability to deduce attributes of a profile for the user. The system then generates a composite model based on the individual models. The composite model includes a combination of the individual models that are associated with the user. The system may charge a premium for ad campaigns that are aimed at target users who are each assigned one or more shadow profile attribute values. The system may determine the premium based on the confidence level with which the one or more attribute values fits to the one or more users. The system is applicable to both display advertising and sponsored search advertising. | 2012-01-26 |
20120023047 | Method for a Pattern Discovery and Recognition - A method is for a pattern discovery and recognition, wherein a first sequence comprising first sequence symbols relating to a concept and a tag associated to the first sequence are received, transition probability matrices are obtained from transition frequency matrices representing the frequency data of the occurrences of the transitions between the first sequence symbols at different distances in the first sequence, and the transition probability matrices for each tag and each distance are learnt for obtaining an activation function determining the concept occurring in a second sequence. A computer program product and an apparatus are for executing the pattern discovery and recognition method. | 2012-01-26 |
20120023048 | MOTION DISCRIMINATION SYSTEM, METHOD FOR STRUCTURING MOTION DISCRIMINATION MODEL, METHOD FOR MOTION DISCRIMINATION AND COMPUTER PROGRAM FOR MOTION DISCRIMINATION - Problem to be solved by the invention: The present invention aims at providing a motion discrimination system and a method for motion discrimination capable of real-time and accurate detecting motions of an object. | 2012-01-26 |
20120023049 | OPERATING ABILITY MONITORING SYSTEM - An operating ability monitoring system that includes a person-dependent acceleration sensor, a telemetry unit, and an evaluation unit, wherein the person-dependent acceleration sensor and the telemetry unit may be worn by and/or implanted in a machine operator and connected to the evaluation unit, and wherein the evaluation unit is configured to receive acceleration values originating from the person-dependent acceleration sensor and sensor values originating from a further sensor that reflects the movements and/or acceleration of a vehicle or moving machine and to evaluate them by comparing the acceleration values from the person-dependent acceleration sensor to the sensor values associated with the vehicle or moving machine. | 2012-01-26 |
20120023050 | CLASSIFYING AN ITEM TO ONE OF A PLURALITY OF GROUPS - A method of classifying an item to one of a plurality of groups includes providing a plurality of predictors associated with the item. For each predictor, the item is assigned to one of the groups. An assignment number is determined for each group. The item is classified to one of the groups based on the assignment number for each group. | 2012-01-26 |
20120023051 | SIGNAL CODING WITH ADAPTIVE NEURAL NETWORK - The invention relates to sparse parallel signal coding using a neural network which parameters are adaptively determined in dependence on a pre-determined signal shaping characteristic. A signal is provides to a neural network encoder implementing a locally competitive algorithm for sparsely representing the signal. A plurality of interconnected nodes receive projections of the input signal, and each node generates an output once an internal potential thereof exceeds a node-dependent threshold value. The node-dependent threshold value for each of the nodes is set based upon the pre-determined shaping characteristic. In one embodiment, the invention enables to incorporate perceptual auditory masking in the sparse parallel coding of audio signals. | 2012-01-26 |
20120023052 | SYSTEMS, METHODS, AND APPARATUS FOR OTOACOUSTIC PROTECTION OF AUTONOMIC SYSTEMS - Systems, methods and apparatus are provided through which in some embodiments an autonomic unit transmits an otoacoustic signal to counteract a potentially harmful incoming signal. | 2012-01-26 |