09th week of 2013 patent applcation highlights part 42 |
Patent application number | Title | Published |
20130054395 | METHODS AND SYSTEMS FOR SELF-SERVICE CHECKOUT - In an embodiment, a self-service checkout computer receives checkout data from a mobile device of a consumer. The checkout data includes merchant identity data, transaction details and payment account data. The transaction details and the payment account data are transmitted to a merchant server or a gateway server for purchase transaction authorization. If the purchase is authorized, the self-service checkout computer transmits a purchase transaction authorization message to the consumer's mobile device for display on a display screen. In some embodiments, if a transaction declined notification is received instead of a purchase transaction authorization, the self-service checkout computer transmits the transaction declined notification to the consumer's mobile device for display. | 2013-02-28 |
20130054396 | APPARATUS AND METHOD FOR COLLECTING AND MANIPULATING TRANSACTION DATA - Described herein are apparatus and methods for collecting and manipulating transaction data. For example, presented herein is an apparatus including: a first I/O port; a second I/O port of a same type as the first I/O port, wherein the second I/O port is connected to the first I/O port such that data passed into the first I/O port is allowed to pass through the apparatus to the second I/O port unimpeded in at least a first operating mode; a processor; and a non-transitory computer readable medium storing instructions thereon wherein the instructions, when executed, cause the processor to: collect information passed from a first computing device connected to the first I/O port to a second computing device connected to the second I/O port, identify, from the information, transaction data; and provide, to a third computing device, the transaction data. | 2013-02-28 |
20130054397 | STORE SYSTEM AND METHOD - A store system comprises an image output section configured to output an image captured by an image capturing unit, an object recognition section configured to recognize a specific object by reading the characteristic quantity of the output image and a reporting section configured to report that an object other than a commodity subjected to sales registration is recognized in the condition that the recognized object is the object other than the commodity included in a commodity file storing information for the sales registration. | 2013-02-28 |
20130054398 | MANAGEMENT OF DIRECT SALES ACTIVITIES ON NETWORKED MOBILE COMPUTING DEVICES - A method on a mobile computer for managing sales activities for a first user over a communications network is disclosed. The method includes accepting sales transaction data via an application on a mobile computer, wherein the mobile phone transmits the sales transaction data to a central server via the communications network and accepting recruit enrollment data via the application, wherein the mobile computer transmits the recruit enrollment data to the central server via the communications network. The method further includes receiving by the mobile computer from the central server, via the communications network, aggregate data pertaining to sales effectuated by the first user and pertaining to sales effectuated by recruits of the first user and displaying the aggregate data on the mobile computer for the first user. | 2013-02-28 |
20130054399 | E-USED DIGITAL ASSETS AND POST-ACQUISITION REVENUE - A method for resale of digital assets, including registering purchase of a digital asset by a first consumer via a first e-tailer, for presentation to the first consumer on at least one first device, the digital asset being published by a publisher, wherein an e-tailer sells digital assets published by the publisher to consumers, enabling, in response to a resale permission instruction by the publisher, the first consumer to offer the digital asset for re-sale, as an e-used digital asset, via a plurality of e-tailers, and further registering purchase of the e-used digital asset by either (a) an e-tailer, or (b) a second consumer, or (c) another entity that buys and sells digital assets. A system is also described and claimed. | 2013-02-28 |
20130054400 | MANAGEMENT OF DIRECT SALES ACTIVITIES ON NETWORKED MOBILE COMPUTING DEVICES - A method on a mobile computer for managing sales activities for a first user over a communications network is disclosed. The method includes accepting sales transaction data via an application on a mobile computer, wherein the mobile phone transmits the sales transaction data to a central server via the communications network and accepting recruit enrollment data via the application, wherein the mobile computer transmits the recruit enrollment data to the central server via the communications network. The method further includes receiving by the mobile computer from the central server, via the communications network, aggregate data pertaining to sales effectuated by the first user and pertaining to sales effectuated by recruits of the first user and displaying the aggregate data on the mobile computer for the first user. | 2013-02-28 |
20130054401 | METHOD OF CUSTOMIZATION AND COMMERCE USING GAMING IMPLEMENTED BY SOFTWARE - A computerized method of enabling the purchasing of a physical good, comprising the steps of: enabling the playing of a game on a computer by a user, the game comprising a representation of the physical good; receiving one or more inputs from the user to develop the representation of the physical good; and, receiving an instruction from the user where the instruction indicates a desire to purchase the physical good and the physical good is associated with the representation. | 2013-02-28 |
20130054402 | SYSTEM FOR DIGITAL COMMERCE AND METHOD OF SECURE, AUTOMATED CREDITING OF PUBLISHERS, EDITORS, CONTENT PROVIDERS, AND AFFILIATES - The disclosure relates to the Content Marketplace Platform (CMP), a system and method of distributing digital content to authenticated users, such as on-line subscribers, wherein all interested parties, such as, but not limited to, publishers, editors, content providers, affiliates, payment processors, and service providers, are credited automatically for their contributions in such as manner as to be perceived as being fair, transparent, and resistant to abuse. The system and method may include a digital rights management system, but this is not required. The system supports a unique method of accounting that provides appropriate incentives to editors and affiliates, as well as publishers, with facilities for specifying a set of flexible parameters that enable automated payment, accounting, reporting, and administrative functions needed to support secure, subscription-based on-line publications. | 2013-02-28 |
20130054403 | SYSTEMS, PROGRAM PRODUCTS, AND RELATED METHODS OF PROVIDING PRODUCTS AND SERVICES TO BUYER POPULATIONS - The invention provides methods of identifying buyer populations that include receiving bids for products and/or services to generate bidder populations and segmenting those bidder populations into buyer and remainder populations in certain embodiments. The invention also provides methods of providing products and/or services to buyer populations that include receiving bids for the products and/or services to generate bidder populations, selecting buyer populations in the bidder populations, making the products and/or services available to the buyer populations, and receiving payments from the buyer populations in some embodiments. In addition to other methods, related machine-readable media and systems are also provided. | 2013-02-28 |
20130054404 | SYSTEM AND METHOD FOR WEBSITE SYNCHRONIZATION - The invention relates to a system and method that allows a user to list or import information to a master website, where the master website then lists that information at multiple third party websites. Further, the system and method of the invention allows the user to update information in the master website in real time or for later batch processing, where the master website then updates the item information in the third party websites. Additionally, the system and method can automatically update the master item list of the master website in response to information from the third party websites, and then update the information across all of the third party websites. In one embodiment, the user lists or imports items for sale on a master item list at one master website, where the master website then lists that item on behalf of the user for sale at multiple e-commerce websites. | 2013-02-28 |
20130054405 | NEGOTIATION FUNCTION BETWEEN BIDDER AND SELLER IN A TRADITIONAL LIVE AUCTION - Upon the conclusion of the bidding activity for an item that is being auctioned at a live auction and that includes an on-line audience and bidders, a negotiation function can be enabled between the high bidder and a seller/consignor or representative of the seller/consignor. The high bidder and seller can present counter offers until either landing on an acceptable arrangement or, concluding the negotiation process all together. In the mean time, the auction can proceed to the next item to be auctioned. | 2013-02-28 |
20130054406 | METHOD OF SENDING MEMORABILIA CONTAINING TEXT MESSAGES - A method for inscribing a communicated text message as a memorabilia on a wearable medium utilizing a mobile device is installed with a mobile application. The application allows a user to login to an account using an email id and password. The application is operable to convert the text message into a memorabilia. The user is able to select at least one text message for inscribing on a wearable medium. A snapshot option allows the user to capture an image of a text message for making a memorable moment. The user is permitted to crop and resize the selected image for making the image suitable for inscribing. The user selects at least one of a list of available wearable medium. The user sends the selected image with selected wearable medium to the service provider. The service provider mails the wearable medium to the user. | 2013-02-28 |
20130054407 | System and Method for Recommending Items to Users Based on Social Graph Information - A system and machine-implemented method is provided for providing a first user with an item recommendation by referencing a social graph of belongings, including identifying a first belonging of one or more belongings associated with a first user of one or more users of a system, identifying a second user of the one or more users, the user being associated with a second belonging within a social graph of belongings corresponding to the first item, wherein the social graph of belongings defines an association between each of the one or more users and one or more belongings, each of the one or more belongings being specific to a respective user and representing an item, wherein the first belonging corresponds to a first item, identifying a third belonging of the second user, the third belonging corresponding to a second item and recommending the second item to the first user. | 2013-02-28 |
20130054408 | Method, Medium, and System of Presenting Assets Related to Media Content - A method includes sending video content from a server system to a mobile device and receiving first data from the mobile device. The first data includes an identifier of the video content. The method also includes, in response to receiving the first data, identifying the video content based at least in part on the identifier and sending second data to the mobile device regarding an asset. The asset is related to the video content, downloadable at a second device that is distinct from the mobile device, and associated with a subscriber account of the mobile device. The method further includes receiving an indication of a purchase of the asset from the mobile device and in response to receiving the indication, automatically sending a grant message authorizing downloading of the asset by the second device. | 2013-02-28 |
20130054409 | IN-APPLICATION PURCHASING METHOD AND METHOD FOR PROCESSING IN-APPLICATION PURCHASE - An in-application purchase processing method by a purchase processing server. The method includes: receiving a purchase request message of digital goods related to applications from a terminal; transmitting billing results of the digital goods to the terminal; receiving a download approval request message from the terminal; generating an authentication key for download approval and transmitting the authentication key to the terminal; receiving a download request message of the digital goods including the authentication key from the terminal; and transmitting a execution file of the digital goods in the application to the terminal. | 2013-02-28 |
20130054410 | System and Method for Providing Requested Information to Thin Clients - A system for, and method of, providing requested information to a client. In one embodiment, the system includes: (1) a core information database that contains core information gleaned from the Internet and restructured according to a predetermined taxonomy and (2) a client communications interface, coupled to the core information database, that receives a request message from a client containing a request for some of the core information, derives a database query from the request message, causes the some of the core information to be retrieved from the core information database, formats the some of the core information into a response message according to display limitations of the client and transmits the response message to the client for display thereby. | 2013-02-28 |
20130054411 | INTERACTIVE PRODUCT LOCATOR - An interactive product locator presents product and other information via a module to permit a purchaser to identify and select a desired product. Once selected, one or more additional modules of the interactive product locator may identify the product to the user, such as by activating a perceivable output that draws the user's attention to the product. In this manner, the interactive product locator allows products to be easily located and helps ensure a purchasers attention is focused on a particular product. The modules may be activated individually, such as to identify individual products, or may be activated in sequence, such as to identify individual to products as well as associated products, complimentary products, or accessories. | 2013-02-28 |
20130054412 | METHODS AND SYSTEMS FOR CONTACTLESS PAYMENTS FOR ONLINE ECOMMERCE CHECKOUT - A process of conducting a contactless payment in an online transaction comprises initiating, at a computer-based system, an online transaction based on a consumer selection, transmitting, from an RF device, consumer information to the computer-based system. The consumer information may provide at least one of shipping information, account information, and billing information for completing the online transaction. Further, the method includes populating a check-out screen with consumer information from the radio frequency device. The consumer is able to confirm the online transaction and associated information prior to submission for processing. In various embodiments of conducting the contactless payment of an online transaction, the RF device may be at least one of a transponder, a mobile phone, a smart phone, or a fob. The contactless-enabled device may at least one of a desktop computer, a laptop computer, a tablet computer, a notebook computer, a mobile phone, or a smart phone. | 2013-02-28 |
20130054413 | METHODS AND SYSTEMS FOR CONTACTLESS PAYMENTS - A contactless payment system for merchant transactions (e.g., a restaurant) comprises generating, at the contactless payment system, a total bill of purchases associated with a consumer, associating a unique identifier of a RFID tag or a QR code with the total bill, transmitting the total bill and associated unique identifier to a consumer accessible payment network, and receiving payment from the consumer for satisfaction of the total bill. The consumer submits the payment using a contactless-enabled device, such as a smartphone. The contactless-enabled device may interrogate the RFID tag or read the QR code to receive the unique identifier and a payment network link. Furthermore, the contactless-enabled device submits a payment transaction request to the payment network, where the payment transaction request includes the unique identifier and an account identifier. The payment network receives the payment transaction request and locates the total bill using the unique identifier as a key. | 2013-02-28 |
20130054414 | ONLINE PAYMENT METHOD AND A NETWORK ELEMENT, A SYSTEM AND A COMPUTER PROGRAM PRODUCT THEREFOR - The invention concerns a payment arrangement in an online shopping. In the method a request for a transaction code containing at least predefined user-related identification information is received. The content of the request is compared to stored information and, in response to a positive outcome of the comparison, a transaction code is generated, stored and delivered to the requesting party. In the next phase an inserted transaction code is received for verification and it is compared to the generated transaction code stored. In response to a positive outcome of the comparison the payment information is confirmed to the requesting entity. The invention also relates to a network element, a system and a computer program product implementing the method. | 2013-02-28 |
20130054415 | REFERRAL SYSTEM AND METHOD FOR SOURCING BUYER-REQUESTED ITEMS - A method and a system for a finder to send an acceptance that indicates that the finder has accepted a request to find an item requested by a requestor. The finder then sends an electronic notification to one or more other people about the request for the item, wherein the electronic notification includes a monetary incentive for the one or more other people in addition to the finder to assist in locating the item. The finder or the one person of the one or more other people sends location information. The location information includes a seller's contact information or a listing within an online marketplace describing the item. The finder and the one person of the one or more other people receive compensation based on assisting in locating the requested item. | 2013-02-28 |
20130054416 | 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. | 2013-02-28 |
20130054417 | METHODS AND SYSTEMS AGGREGATING MICROPAYMENTS IN A MOBILE DEVICE - Various aspects include methods and devices for aggregating a number of micro-payment transactions within a secure memory of a purchaser's computing device to enable completion of micropayment electronic commerce transactions with reduce the number of fund transfers and verification messages. Transactions in which a purchaser pays a micropayment (i.e., <$1.00) are aggregated over time in a purchaser's computing device. Eventually accumulated transaction information is downloaded to a trusted payment authority for settlement. The trusted payment authority pays the merchant for all aggregated transactions in a single funds transfer. Transactions among many purchasers may also be aggregated into a single funds transfer. By aggregating micropayments within the purchaser's computing device, the amount of money involved in transactions processed through the payment authority can become large enough to justify the transactions costs of exchanging money between the purchaser and various merchants. The aspects enable business to economically charge and receive micropayment amounts. | 2013-02-28 |
20130054418 | Methods for Telco's Application Store Management - A method of application store management in a Telco's Application Store (TAS) system developed by Open Mobile Alliance (OMA), the TAS system having a TAS client component and a storefront component, the method includes transmitting an application download status report message to the storefront component by the TAS client component for reporting a download status of an application to the storefront component; and receiving an application download status response message in response to the application download status report message by the TAS client component, wherein the application download status response message is transmitted by the storefront component. | 2013-02-28 |
20130054419 | PRODUCT INFORMATION MANAGEMENT - A product database describing products and attributes associated with the products is identified. Some attributes have values including words. A dictionary including the words is identified. The dictionary is partitioned into synonym classes of words. A representative word from the dictionary is selected. Replacement rules are identified, each of which replace a target word with the target word's corresponding representative. For each product in the database, the replacement rules are applied to produce a standardized product database. | 2013-02-28 |
20130054420 | INFORMATION PROCESSING APPARATUS AND METHOD, INFORMATION PROCESSING SYSTEM, AND PROVIDING MEDIUM - The invention enables users to virtually attach information to situations in the real world, and also enables users to quickly and easily find out desired information. An IR sensor receives an IR signal transmitted from an IR beacon, and supplies the received signal to a sub-notebook PC. A CCD video camera takes in a visual ID from an object, and supplies the inputted visual ID to the sub-notebook PC. A user inputs, through a microphone, a voice to be attached to situations in the real world. The sub-notebook PC transmits position data, object data and voice data, which have been supplied to it, to a server through a communication unit. The transmitted data is received by the server via a wireless LAN. The server stores the received voice data in a database in correspondence to the position data and the object data. | 2013-02-28 |
20130054421 | METHOD AND SYSTEM FOR PROCESSING TRANSACTIONS - A system and method are provided for processing transactions between at least one buying company and at least one selling company using a central datastore accessible to users from the buying company and selling company. Purchase order and invoice data are obtained and compared to identify a matched record having purchase order data and corresponding invoice data. A collaborative data set in the central datastore is created, based in part on the matched record and storing in the datastore detailed settlement data regarding settlement of the matched record of purchase order data and corresponding invoice data. A complete settlement transaction history is stored by providing for storage of additional settlement data in the central datastore, wherein credit memos, debit memos regarding the invoice, the purchase order of the matched record, and/or other documents related to the transaction are stored as part of the collaborative data set. | 2013-02-28 |
20130054422 | Location And Event-Based Mobile Commerce Method And System - The invention is a location and event-based mobile commerce system and method, wherein a geo-fence is placed around an event such as a concert or sporting event, and products and services tailored to that event and/or the event's location are offered to users that come inside the geo-fence, via an online/virtual store. | 2013-02-28 |
20130054423 | METHOD AND SYSTEM FOR SELLING GOODS ONLINE IN AFFILIATION WITH E-TAILER - A method and system for selling goods in affiliation with an e-tailer are disclosed, in which a first server that operates an online sales service receives product information from a second server of the e-tailer, updates a site for providing the online sales service using the received product information, receives information about a product selected from the site and information about an e-voucher recipient from a terminal of a purchaser, requests payment information to the terminal of the purchaser, receives the payment information from the terminal of the purchaser, and transmits an e-voucher including an authentication code to a terminal of the e-voucher recipient using the information about the e-voucher recipient, upon completion of payment based on the payment information, the authentication code being used for exchanging the e-voucher for the selected product. | 2013-02-28 |
20130054424 | E-COMMERCE TRANSACTION SYSTEM AND METHOD FOR INTANGIBLE MERCHANDISES - An e-commerce transaction system and method for intangible merchandises are provided. The system includes a web portal, a database, a security verification module, a network transmission interface and a server. The method includes the following steps. Firstly the user logs into the web portal to upload or download intangible merchandise, or a demand or an information for the intangible merchandise. The intangible merchandise, the demand and the information are stored in the database. Through the security verification module, login information, transaction procedures and the intangible merchandise are protected, encrypted and verified. The web portal is operated through the server and the network transmission interface. | 2013-02-28 |
20130054425 | WEB-BASED SYSTEM PERMITTING A CUSTOMER TO SHOP ONLINE FOR CLOTHES WITH THEIR OWN PICTURE - A system allows a customer to upload their face and drag it over a model's face on a clothing shopping website. The system can provide the customer with better insight on how the shirt, dress, blouse, or the like, will look in conjunction with their own face. The customer can sign up for the system, upload one or several pictures, and crop out the outline of their face. They can then click on a virtual mall to take their face to various clothing sites. | 2013-02-28 |
20130054426 | System and Method for Customer Provisioning in a Utility Computing Platform - Systems and methods are provided for provisioning a virtual server. An identification of an operating system, a server name, a number of processors, a memory amount, and a disk storage amount may be received, and a virtual server may be provisioned by provisioning a number of processors, an amount of memory, and an amount of storage resources based on the identified number of processors, the identified memory amount, and the identified disk storage amount. Resource usage of the virtual server may be monitored, and additional resources for the virtual server may be provisioned if burst resource usage mode is enabled for the virtual server. | 2013-02-28 |
20130054427 | EXPLOSIONS OF BILL-OF-MATERIALS LISTS - In a parallel explosion unit of a parallel explosion apparatus, a processing unit extracts an end product, extracts an assembly directly constituting the end product, and an determines whether or not a BOM tree having the assembly as a vertex is already broken down. When the BOM tree of the assembly is not yet broken down, the processing unit registers the number of units of each component constituting the assembly in an explosion result list and generates a tree-specific list in which the number of units of each component and a registration position of the component in the explosion result list are recorded. When the BOM tree of the assembly is already broken down, the processing unit adds the number of units of each component recorded in the tree-specific list to the number of units at the registration position of the component likewise recorded in the explosion result list. | 2013-02-28 |
20130054428 | CHARGING DIVERSIFICATION USING A MODIFIED ONLINE CHARGING INDICATOR - A system is configured to receive an indication that a session, associated with a user device, is to be established; obtain a profile, associated with the user device, that identifies one or more services to which a user, of the user device, has subscribed; determine that a service, associated with the session, corresponds to one of the services, where the profile identifies one or more charging actions that correspond to the service; instruct a first device to initiate online charging, when the service corresponds to a first type of service; instruct a second device to initiate offline charging, when the service corresponds to a second type of service; and instruct a third device to not initiate online charging or offline charging when the service corresponds to a third type of service. | 2013-02-28 |
20130054429 | System and Method for Administering Deposit Accounts - Disclosed are systems, methods and computer program products for managing deposit accounts. A computer-based system allocates depositor funds among a plurality of FDIC-insured deposit accounts held in a plurality of deposit institutions, such as savings banks. The system establishes a deposit limit for each deposit institution to ensure that accounts always remains under the FDIC insurance limit and stabilizes the deposit base by facilitating movement of funds to and from participating deposit institutions through a trust account at a custodian institution. The system also automatically reconciles all balances and account activity on a daily basis to assure proper allocation of interest payments and bank fees. The system also performs a fully automated daily allocation process which provides detailed instruction to the custodian institution for the execution of cash allocation among the plurality of deposit institutions to ensure that all deposit accounts always remains under the FDIC insurance limit. | 2013-02-28 |
20130054430 | System and Method for Managing Utility Resources Based on Utility Service Points - A system comprises a memory storing a plurality of usage values. A usage value may be based at least on usage of a utility resource measured by a utility meter having a meter identifier. The memory may store a plurality of service point identifiers and a plurality of account identifiers associated with one or more utility accounts. A service point identifier represents a physical location of at least one utility meter. Each service point identifier may be stored in association with one or more usage values. The system may comprise a processor communicatively coupled to the memory. In response to a request comprising a particular service point identifier, the processor may retrieve one or more usage values from the memory based at least on the particular service point identifier in the request. The processor may generate a graphical user interface that displays the one or more retrieved usage values. | 2013-02-28 |
20130054431 | System and Method for Integrated Use of Shared Hardware, Software and Storage Resources Communicating Through a Network to Standardize and Simplify Transactions Between an Organization and Entities That Do Business With The Organization - Systems and methods that use “cloud” technologies to standardize and simplify transactions between the Federal government and entities that do business with it. The system may include cloud storage containing data files for account user data, grant reporting documentation and grant results/products; secure storage for user account/e-commerce data and USASPENDING archival data on the grant; and regulatory decision support tools for use among administrators, principal investigators, and program directors. The system may include a grant decision support engine for optimizing use of grant funds and a regulatory assistance engine for grant regulatory compliance, reporting, and approval requirements specific to Federal agencies. | 2013-02-28 |
20130054432 | Methods and Apparatus for Collateral-Based Financial Transactions - Methods and apparatus for managing collateral based transactions are disclosed. In one embodiment, one or more processors perform defining collateral for a financial transaction, assessing a valuation of the collateral based upon a difference between a material value and a legal tender value of the legal tender precious metal coins, and determining terms of the financial transaction based on the valuation. In some embodiments, the collateral includes one or more legal tender precious metal coins. | 2013-02-28 |
20130054433 | Multi-Factor Identity Fingerprinting with User Behavior - Multi-factor identity fingerprinting with user behavior is disclosed. A user's interactions with one or more parties are tracked and stored in a data store. A party may be a company itself or a company's information system. The user interactions are aggregated in a user profile bound to a particular user. All of the profile, or some subset of the profile may be used to generate an identity fingerprint. The identity fingerprint may be used as authentication credentials, where the similarity of user activity indicia is measured against all or part of the identity fingerprint. Alternatively, the aggregation systems may identify groups or categories of users by behavior by identifying similar identity fingerprints. Similarity may be measured via correlation models. Finally, the data store of profiles may be used for non-authentication systems such as business intelligence, advertising, identity management, and threat monitoring. | 2013-02-28 |
20130054434 | ACCOUNT RESERVE - Embodiments of the invention are directed to systems, methods and computer program products for managing an account. In some embodiments, a method includes receiving information associated with an account. The method further includes determining, based at least partially on the information, a selected amount of currency from the account to hold in a reserve associated with the account and indicating the selected amount of currency to hold in the reserve. In some embodiments, the selected amount of currency is determined based at least partially on determining one or more eligible transactions from a transaction history associated with the account. In some embodiments, an eligible transaction may be a recurring transaction such as a rent payment transaction, a utilities payment transaction, etc. | 2013-02-28 |
20130054435 | System and Method for Dynamic Query Processing Based on Financial Information and Query Responses - Various systems, computer program products, and methods for resolving financial issues using dynamic query processing is described. For example, a method may include obtaining an attribute of a debtor having a financial issue. The attribute describes a prior history or action of the debtor. The method may include communicating a question to be posed to the debtor. The method may include receiving a response to the question such as via a web page. The method may include determining and communicating a follow-up question to be posed to the debtor based on the attribute of the debtor and the response to the question. The method may include receiving a follow-up response to the follow-up question. The method may include determining a proposal to resolve the financial issue based on the response and the follow-up response. | 2013-02-28 |
20130054436 | System for Allocating and Managing Contributions to Account Categories - According to some embodiments, an account management system comprises a processor coupled to a memory. The memory is operable to store account information associated with a first type of account held by an account holder; and one or more event triggers linked to the account. The processor is operable to receive event information associated with the account, the event information indicating that an event associated with the account has occurred. The processor determines that the event that occurred comprises one or more of the event triggers linked to the account. The processor initiates the activation of a second type of account held by the account holder in response to determining that the event that occurred comprises one or more of the event triggers linked to the account and based at least in part upon the account information associated with the first type of account held by the account holder. | 2013-02-28 |
20130054437 | LOGISTICS-EXPOSURE MANAGEMENT INTEGRATION FOR COMMODITY PRICE RISKS - A message may be used to update computing system of a commodity transaction. The message may include a commodity identifier, a date term, a quantity term, and a price term. The price term may include a formula arrangement or reference to a formula arrangement for calculating a fractional exposure of the entity to the commodity on each date in which an event affecting commodity transaction occurs. Each of these fractional exposures may be calculated for each commodity transaction and stored as separate entries in a data structure. The entries may then be updated, queried, and/or reorganized to generate an exposure position. | 2013-02-28 |
20130054438 | RULES SUGGESTION ENGINE - Embodiments of the invention are directed to systems and methods for implementing a rules suggestion engine that suggests rules to a user for lowering fraud in future transactions. Embodiments of the invention segment the transaction data based on at least one attribute defined by the user. One or more key indicators are identified corresponding to the segmented data. A correlation is performed between the user defined attribute and one or more key indicators. One or more transaction rules are generated based on the correlation that are suggested to the user for future transactions. The user can customize the rule, a field of rule, a prioritization of the rules, and even create categories of rules. | 2013-02-28 |
20130054439 | CURVE ENGINE - Systems and methods for pricing financial instruments include constructing, via at least one computing device comprising one or more processors executing computer-executable instructions stored in memory, a virtual financial complex network comprising one or more interrelated financial markets. Market color data related to at least one of the financial markets is then blended with price data to determine blended pricing information. This blended pricing information is then used to define an objective function that when solved, via an optimization model, determines a minimum market price for each financial instrument across the one or more financial markets. | 2013-02-28 |
20130054440 | MULTIPLE RATE CURRENCY CONSOLIDATOR - A multiple currency rate consolidator addresses the needs of multi-national companies that do business in different currencies and tax localities. A consolidated view of financial data may be provided in real time. The multiple currency rate consolidator allows each subsidiary within a subsidiary hierarchy to enter and manage transactional data as well as budget/forecast data in a corresponding localized functional currency. The multiple currency rate consolidator allows different consolidation levels to view localized, consolidated values of subsidiary transactions. The multiple currency rate consolidator also accommodates statutory, ad hoc and management reporting consolidation using different subsidiary configurations for the same time periods, as well as the versioning of the subsidiary hierarchy to accommodate structural changes across different time periods. | 2013-02-28 |
20130054441 | METHODS AND SYSTEMS FOR TRADING IN MONETARY EQUIVALENT INSTRUMENTS - An example method comprises receiving a request to sell a closed loop monetary equivalent instrument for a purchase value, validating the monetary instrument and a balance associated with the monetary equivalent instrument, selectively paying the seller the purchase value, requesting the issuing party or a third party acting on behalf of the issuing party to provide an additional value to be associated with the monetary equivalent instrument, offering the monetary equivalent instrument and the additional value for sale to a buyer for a selling value, receiving a request from the buyer to purchase the monetary equivalent instrument and the additional value combined for the selling value, selling the monetary equivalent instrument and the additional value to the buyer for the selling value, and compensating the issuing party or the third party acting on behalf of the issuing party for providing the additional value. | 2013-02-28 |
20130054442 | METHOD, APPARATUS AND INTERFACE FOR TRADING MULTIPLE TRADEABLE OBJECTS - An interface for trading multiple tradeable objects includes a price axis or scale. A first indication of quantities represented in a market for a first tradeable object is displayed in association with the price axis or scale. A second indication of quantities represented in the market for a second tradeable object is displayed in association with the price axis or scale. The first tradeable object may be different than the second tradeable object. Alternatively, the first tradeable object and the second tradeable object may be the same, but the indications of quantity may be provided from different sources, such as different exchanges. | 2013-02-28 |
20130054443 | TRADING INTERFACE FOR FACILITATING TRADING OF MULTIPLE TRADEABLE OBJECTS IN AN ELECTRONIC TRADING ENVIRONMENT - A system and method are provided for trading multiple tradeable objects. One example method includes displaying at least one combined quantity indicator representing a combined quantity associated with at least two tradeable objects, detecting an input associated with an order for a predetermined order quantity in relation to one of the combined quantity indicators, and allocating the order quantity between the at least two tradeable objects using at least one quantity allocation rule. In one example embodiment, a plurality of quantity allocation rules can be user-configurable, and different rules can be defined and applied in relation to different order types. | 2013-02-28 |
20130054444 | 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. | 2013-02-28 |
20130054445 | VIRTUAL TRADING MARKET PROVISION SYSTEM AND METHOD USING SYNTHESIS OF INSTRUMENTS - Disclosed herein is a strategy establishment device, including a mutual comparison condition strategy establishment unit for setting comparison conditions between price, indicators, and oscillators and then establishing a plurality of mutual comparison condition strategies; a signal generation strategy establishment unit for combining the plurality of mutual comparison condition strategies established by the mutual comparison condition strategy establishment unit, thus establishing a plurality of signal generation strategies; and a strategy establishment unit for combining the plurality of signal generation strategies established by the signal generation strategy establishment unit, thus establishing trading strategies. | 2013-02-28 |
20130054446 | AGGREGATED TRADING SYSTEM - A trading system is described herein for hosting a collection of one or more electronic exchanges. The collection of electronic exchanges may be made up of separately designated exchanges under one or more authorizing and regulating bodies. The trading system receives from traders bids to purchase and offers to sell a tradeable object listed at one of the electronic exchanges. Then, the trading system directs the bids and offers to the appropriate exchange where the bids and offers may be automatically matched in the corresponding market. The trading system may also be used to take actions in one or more markets that are internal and external to the trading system on behalf of a trader using preprogrammed trading instructions. | 2013-02-28 |
20130054447 | SYSTEM TO IDENTIFY RISK BASED ON NETWORK POSITION - Embodiments of the invention relate to systems, methods, and computer program products for determining a customer's risk profile by collecting data, via a computing processor, relating to the customer's risk tendencies from social networks which the customer is a member and from customer data available to a merchant based on prior dealings with the customer, analyzing the two sets of customer data with the computing processor to correlate the data to indicators of increased risk and determining a customer risk profile based on the indicators of increased risk. | 2013-02-28 |
20130054448 | PAYMENT PROCESSING INFORMATION SYSTEM - A system and method for a payment processing information system is disclosed. In particular embodiments, a method for repairing payment processes of a financial institution includes receiving a first payment processing information associated with a first geographic region at a hardware processor. The method also includes receiving a second payment processing information associated with a second geographic region at the hardware processor. The method further includes receiving a request for payment processing information from a payment processor. Additionally, the method includes determining whether the payment processor is associated with a selected one of the first geographic region and the second geographic region and based on the determination, facilitating repair of a failed payment process. | 2013-02-28 |
20130054449 | System for Allocating and Managing Contributions to Account Categories - According to some embodiments, an account management system comprises a processor coupled to a memory. The memory is operable to store account information associated with an account. The processor is operable to communicate to a potential contributor a link to a webpage, wherein the webpage comprises account information identifying the account and request information identifying an amount of a funds request, the beneficiary of the account, and a purpose for the funds request. The processor is operable to receive a response to the funds request indicating an outcome of the funds request and manage the account based on the outcome of the funds request. | 2013-02-28 |
20130054450 | Monetization of Atomized Content - A system for monetizing content is disclosed. | 2013-02-28 |
20130054451 | METHOD AND SYSTEM OF DEFERRED PRESENTMENT(S) FOR THE PURCHASE OF GOODS AND/OR SERVICES - Methods and systems of deferred presentment for the purchase of goods and/or services. One arrangement includes a Point Of Sale (POS) device combined with a check reader and/or imaging device for receiving and storing check instrument data (e.g., amount, date of presentment, routing number) and customer identifying information (e.g., a customer PIN). A database of previous check writing experience and activity may be accessed to determine whether or not a current check instrument is to be verified. Choosing to proceed with execution of a verified check instrument may include a guarantee component that serves to credit a merchant or other party with funds in the event that a check instrument fails to clear a bank. | 2013-02-28 |
20130054452 | SYSTEMS AND METHODS FOR ACTIVATING ELECTRONIC BILL PRESENTMENT - Systems and methods for activating electronic bill presentment are provided. Payment history information associated with one or more payments made on behalf of a payor to a biller may be identified. Additionally, at least one biller-specified condition associated with automatic activation of the electronic presentment of bills of the biller for the payor may be identified. Based at least in part upon an analysis of the payment history information, a determination may be made that the at least one biller-specified condition has been satisfied, and the automatic activation of the electronic presentment of bills of biller for the payor may be facilitated. | 2013-02-28 |
20130054453 | System for Allocating and Managing Contributions to Account Categories - According to some embodiments, a deposit system for receiving funds into an account held for an account beneficiary comprises a spending tracker, a reimbursement module, a contributor module, and an allocation module. The spending tracker is operable to determine an amount of a withdrawal from the account. The reimbursement module is operable to request an amount of funds from a contributor, the amount of the request associated with the amount of the withdrawal. The contributor module operable to receive the funds from the contributor. The allocation module operable to deposit the funds into the account held for the account beneficiary. | 2013-02-28 |
20130054454 | Wallet Service Enrollment Platform Apparatuses, Methods and Systems - The WALLET SERVICE ENROLLMENT PLATFORM APPARATUSES, METHODS AND SYSTEMS (“WSEP”) facilitates the enrollment of payment accounts in a consumer's virtual wallet. The consumer may be logged into their payment account issuer's web site and designate one or more payment accounts for enrollment in a virtual wallet. The issuer may then share account, billing and/or other relevant information with the virtual wallet provider to facilitate the enrollment of the designated payment accounts in the virtual wallet. The WSEP may also be configured to facilitate the creation and funding of pre-paid accounts in a consumer's virtual wallet. | 2013-02-28 |
20130054455 | System for Allocating and Managing Contributions to Account Categories - According to some embodiments, a deposit system for receiving funds into an account held for an account beneficiary, the account being identifiable by an account number, comprises a management module, a contributor module, and an allocation module. The management module is operable to register a plurality of contributors. The contributor module is operable to receive information identifying a first contributor, determine whether the first contributor is one of the plurality of registered contributors, and if the first contributor is a registered contributor, receive, from the first contributor, a deposit of funds, the deposit comprising a first set of funds associated by the first contributor for deposit into the account without identifying the account by the account number. The allocation module operable to deposit the first set of funds into the account without informing the first contributor of the account number. | 2013-02-28 |
20130054456 | SYSTEM FOR ALLOCATING AND MANAGING CONTRIBUTIONS TO ACCOUNT CATEGORIES - According to some embodiments, a deposit system for allocating deposited funds among a plurality of account categories held for an account beneficiary comprises a management module, a contributor module, and an achievement manager. The management module is operable to associate each account category of the plurality of account categories associated with a particular purpose, each purpose restricting use of funds in its associated account category. The contributor module is operable to receive a confirmation to deposit funds in at least one of the account categories upon accomplishment of an achievement by the account beneficiary. The achievement manager is operable to receive notification of the accomplishment of the achievement and instruct the contributor module to transfer the confirmed funds to the at least one of the account categories. | 2013-02-28 |
20130054457 | SYSTEM AND METHOD FOR USE IN MAKING FINANCIAL TRANSACTIONS WHEN CHARGING AN ELECTRICALLY POWERED VEHICLE - A financial transaction system for use in authorizing charging of an electrically powered vehicle includes a smart grid that includes an advanced metering infrastructure (AMI) system. The AMI system includes at least one credential reading device coupled to a charging device for an electrically powered vehicle. The at least one credential reading device is configured to transmit credential information. The AMI system also includes a server system that includes at least one server coupled to the at least one credential reading device via a communications network. The at least one server is configured to determine validity of the credential information transmitted from the at least one credential reading device. The at least one server is further configured to one of permit and deny charging of the electrically powered vehicle. | 2013-02-28 |
20130054458 | Money Transfer Utilizing a Social Network Environment - Systems and methods which utilize a social media platform to provide authentication information for a money transfer transaction are provided. Embodiments may include obtaining and utilizing information from online social network profile data of the sender, receiver or both in order to facilitate a convenient and secure transaction. Embodiments include an online social network profile database configured to store and correlate profile information for multiple users and a money transfer transaction processing device in communication with the database to authenticate a money transfer transaction. Embodiments may be implemented on the internet, with dedicated applications for a computer and/or mobile device, and the like. | 2013-02-28 |
20130054459 | SECURE PAYMENT INSTRUCTION SYSTEM - A method for providing secure payment instructions includes verifying a payer device for use in a transaction with a payee device. When a request is received from the payee device for payer information associated with a payment account being used by the payer device in the transaction, a security font is generated and associating in a database at least one payer information font character with payer information that is associated with the payer account. The at least one payer information font character is then provided to the payee device, and when a request for the security font is received and determined to be from the verified payer device, the security font is provided to the verified payer device such that the at least one payer information font character may be converted to the payer information for display on the payer device. | 2013-02-28 |
20130054460 | System for Allocating and Managing Contributions to Account Categories - According to some embodiments, a deposit system for allocating deposited funds among a plurality of account categories held for an account beneficiary comprises a management module, a contributor module, and an allocation module. The management module is operable to associate each account category of the plurality of account categories with a particular purpose, each purpose restricting use of funds in its associated account category. The contributor module is operable to receive, from a contributor, a deposit of funds, the deposit comprising a first set of funds associated by the contributor with a first purpose and a second set of funds associated by the contributor with a second purpose. The allocation module operable to deposit the first set of funds into the account category associated with the first purpose and deposit the second set of funds into the account category associated with the second purpose. | 2013-02-28 |
20130054461 | METHODS, SYSTEMS, AND COMPUTER-READABLE MEDIA FOR ELECTRONIC FINANCIAL TRANSFERS - Computer-implemented systems, methods, and computer-readable media electronic for financial transfers include: receiving a request for a set of at least one Icheck tokens; generating the set of Icheck tokens, each Icheck token including a unique identifier, a set of payer data, and a set of signature data, wherein each Icheck token is configured to be transferable over plural media; transmitting the set of Icheck tokens to a payer device; receiving from a payee device an Icheck token from the set of Icheck tokens; authenticating the Icheck token by analyzing at least one of the unique identifier, the set of payer data, and the set of signature data; transmitting a non-payment notice if the authenticating step reveals the Icheck token is not authentic; and transmitting payment according to the set of signature data if the Icheck token is authentic. | 2013-02-28 |
20130054462 | ECOMMERCE SYSTEM WITH PAYMENT DATA DIVISION - In at least one embodiment of an ecommerce system, payment data is divided into proper subsets and distributed among multiple data processing systems, and each of the data processing systems stores less than all of the subsets of the payment data after the subsets of payment data are distributed and until at least sending the payment data to a payment authorization system for processing. In at least one embodiment, distributing proper subsets of the payment data among multiple data processing systems enhances security of the payment data by limiting an amount of time and the locations in which a complete set of payment data is persisted. | 2013-02-28 |
20130054463 | Dynamic Level Assessment - Embodiments of the present invention include a dynamic and auditable rules-based spend requirement management (SRM) server configured to receive transaction data associated with a payment transaction involving an issuer of an account, where the account is associated with a first set of account level requirements (e.g., a minimum spend requirement) and a first interchange rate. The SRM is further configured to determine that the transaction data is not within the first set of account level requirements, but is within a second set of account level requirements associated with a second interchange rate, and associate the account to the second set of account level requirements by way of a final product identifier stored in a database accessible by a payment processing network (PPN). | 2013-02-28 |
20130054464 | TERMINAL, SYSTEM, AND METHOD FOR AUTHORIZING PAYMENT - A terminal, includes: a communication; a short range communication unit to communicate via short range communication to a second terminal; and a processor to parse data for either communication via the network or short range communication, wherein in response to the terminal and the second terminal being within a threshold distance from each other, the short range communication unit communicates data to the second terminal, and if the terminal is unrecognized by the second terminal, the communication unit communicates certification via the network. A method for authorizing a terminal, includes: establishing short range communication from the terminal to a second terminal in response to the terminal and the second terminal being within a threshold distance from each other; parsing data to be communicated; and if the terminal is unrecognized by the second terminal, communicating a certification via the network. | 2013-02-28 |
20130054465 | LEAST COST ROUTING AND MATCHING - Systems and methods are disclosed for routing a transaction based on an assessment of costs associated with multiple payment processing networks. A transaction broker server determines how to route a received authorization request message for a transaction based on a first cost associated with processing the transaction via a first payment processing network and a second cost associated with processing the transaction via a second payment processing network. If the first cost is less than or equal to the second cost, the authorization request message is routed to the first payment processing network. If the first cost exceeds the second cost, at least one rule is applied to determine whether the first cost is to be reduced. If the at least one rule is satisfied, the first cost is reduced and the authorization request message is routed to the first payment processing network. | 2013-02-28 |
20130054466 | Dynamic Card Verification Value - As described herein, a card services provider dynamically generates a card verification value (CVV) for a transaction card and sends the dynamically-generated CVV to a cardholder. The card services provider generates the dynamically-generated CVV such that the dynamically-generated CVV is substantially unpredictable based on other dynamically-generated CVVs for the transaction card. The dynamically-generated CVV is only valid for a limited period of time and/or for a limited number of economic transactions. The cardholder uses the dynamically-generated CVV as part of an economic transaction with a merchant. Because the dynamically-generated CVV is only valid for a limited number of economic transactions and/or for a limited period of time, it may be difficult for a thief to repeatedly use the transaction card to make economic transactions. | 2013-02-28 |
20130054467 | SYSTEM FOR REMOTE REVIEW OF CLINICAL DATA - A system for remotely reviewing medical data allows medical data to be transmitted to a nurse's mobile handheld device from medical equipment or data storage. The system includes a console, a data server and mobile handheld devices; the data server may be a software component within the console. The system may further include medical imaging equipment, medical records databases, and other sensors and servers. Medical data is routed through the console to the data server to reach the mobile handheld device via a wireless network. After reviewing the data, nurses may transmit their comments from their mobile handheld device to the requester by going through the same system. The data server may further include a resident messaging system that communicates to the mobile handheld device such that the user is notified of messages or data awaiting review along with the urgency of the required review are also described. | 2013-02-28 |
20130054468 | SYSTEM AND METHOD FOR CONDUCTING FINANCIAL TRANSACTIONS - Systems and method of the present invention include a comprehensive system architecture that enables access to Non-bank financial institutions (NFBIs) and banks through point-of-sale devices and mobile telephones, for example. The present invention involves use of a modified ISO 8583 standard to allow users to interface with a front end processing system directly from non-traditional devices. The present invention also allows mobile banking with the NBFI through use of an application residing in a user's mobile telephone, which allows the encapsulation of user information as XML, for example, and the transmission of those over http while complying with the ISO 8583 standard, and further allowing encryption of certain user data, without having to resort to access to mobile banking website. In one aspect of the invention, a POS application may run on top of PCI to enable users to make purchases using funds pre-deposited in an NBFI account. | 2013-02-28 |
20130054469 | COMPUTER IMPLEMENTED MULTI-LEVEL TRANSACTION AUTHORIZATION BANKING SUPPORT SYSTEM AND METHOD THEREOF - A computer implemented system and method for multi-level transaction authorization in a banking support unit. The system includes a data center with a cluster further including: (i) a host for processing transactions, (ii) a security module authenticating and generating a customer personal identification number (PIN), authentication means for authenticating a point-of-sales (POS) terminal, and encryption means for encrypting all information and POS transactions. The system further includes a maker-checker unit further comprising: a token number generator for conducting sensitive transactions on said POS by unique tokens validated for adaptability with said cluster; and an authorization cards array to configured to effectuate multi-level authorization of primary and subsidiary transactions while selectively linking said primary and subsidiary transactions to said token number generator. | 2013-02-28 |
20130054470 | System for Payment via Electronic Wallet - A method includes receiving a request to process, against an electronic wallet, a portion of a transaction, an electronic wallet optionally comprising a sub-wallet, the transaction processed against the wallet and/or sub-wallet. The method further includes identifying one or more electronic value tokens in the e-wallet and/or sub-wallet that, when used together, will cover the portion of the transaction. The method further includes applying the electronic value tokens to the portion of the transaction. | 2013-02-28 |
20130054471 | Bit Currency: Transactional Trust Tools - Systems and methods are provided for utilizing a digital coin. A bit string is received. The number of bits in the bit string represents a coin value of the digital coin. The individual bit values of the bits of the bit string are used to determine an identity of the digital coin. The identity of the digital coin is validated by a node of an authentication hierarchy. The validation includes comparing bit values of at least a portion of the bits of the bit string to bit values of corresponding bits of known bit strings that represent known issued digital coins. The validation also includes checking that a matching known issued digital coin was not previously redeemed. A digital coin can also be split into multiple digital coins that are each a continuous sequence of bits of the bit string of the original digital coin. | 2013-02-28 |
20130054472 | SYSTEM AND METHOD OF WIRELESSLY DOWNLOADING DIGITAL MEDIA ITEMS - A system and method of wirelessly downloading digital media items which automatically downloads the digital media items to portable communication devices in environments where users are engaged with other activities. An example system includes a network including a wireless network defining a zone of coverage, and a server. The server stores locked digital media items, establishes an account for a digital media customer, automatically downloads selected locked digital media items to a portable communication device of the customer when the customer has brought the portable communication device within the zone of coverage and the portable communication device is connected to the server through the wireless network, processes payment from the customer for a number of downloaded locked digital media items, and provides keys for unlocking the number of downloaded locked digital media items. | 2013-02-28 |
20130054473 | Secure Payment Method, Mobile Device and Secure Payment System - The invention discloses a secure payment method, a mobile device and a secure payment system. The secure payment method including steps of: transmitting an encrypted payment request packet from a payment service provider to a mobile device; receiving the encrypted payment request packet by a first operating system running within a normal domain of the mobile device; bypassing the encrypted payment request packet to a second operating system running within a secured domain on the mobile device; decrypting payment request data from the encrypted payment request packet under the secured domain; generating payment response data according to the payment request data under the secured domain; encrypting the payment response data into an encrypted payment response packet under the secured domain; bypassing the encrypted payment response packet to the first operating system under the normal domain; and, transmitting the encrypted payment response packet to the payment service provider. | 2013-02-28 |
20130054474 | SYSTEMS AND METHODS FOR AUTHORIZING A TRANSACTION WITH AN UNEXPECTED CRYPTOGRAM - Methods are described for performing a timely authorization of digital credential data delivered from a mobile device that is without access to a local persistently stored permanent cryptographic key; through an interrogation with a point-of-sale that behaves according to the direction of a card specification; wherein the card specification expects the mobile device to create a cryptogram that is calculated, at least in part, using the permanent cryptographic key and, at least in part, from unpredictable data delivered from the point-of-sale to the mobile device during the interrogation. | 2013-02-28 |
20130054475 | Method and Apparatus for Validating Time-Limited Warranty - A method and apparatus for validating a time-limited warranty of a product warranted by a warrantor. The product preferably has a controller with a user interface operably connected to the controller. In the inventive method, warranty-pertinent information is permanently recorded with the controller. It is preferred that the warranty-pertinent information include a post-sale activation date and an automatically-counted number of run days since post-sale activation. The warranty-pertinent information is retrieved, and the post-sale period compared with the length of the time-limited warranty. Validity of a warranty claim is determined based on whether the recorded number of run days is consistent with the post-sale period. | 2013-02-28 |
20130054476 | SYSTEM, METHOD AND COMPUTER PROGRAM PRODUCT FOR PARCEL ASSESSMENT - A system, method and computer program product are provided in order to determine the value of a parcel based upon a number of different attributes and keywords relating to a number of features of the parcel. In the context of a system, a receiver module is configured to receive one or more attributes of the first parcel and one or more keywords of the first parcel. Each keyword may include a category type and a corresponding value. The system may also include an associative memory configured to compare the one or more attributes and one or more keywords of the first parcel with attributes and keywords, respectively, of a plurality of other parcels in order to determine a plurality of similar parcels. Further, the system may include an assessment module configured to determine the value of the first parcel based upon the prices of the plurality of similar parcels. | 2013-02-28 |
20130054477 | SYSTEM TO IDENTIFY MULTIPLE COPYRIGHT INFRINGEMENTS - A system, a method, and a computer program for determining multiple copyright infringement events, identifying a stopped reporting repeat infringer, identifying a started reporting repeat infringer, and determining if the stopped reporting repeat infringer and the started reporting repeat infringer are using the same computer. | 2013-02-28 |
20130054478 | Reporting system and method for ingestible product preparation system and method - A computationally implemented system and method that is designed to, but is not limited to: electronically receiving directive information including verification information to electronically verify issuance of the directive information by at least one authorized entity, living being identification associated with a particular individual living being, and reporting directions for electronically recording occurrence information to indicate at least one occurrence of at least partial preparation of a particular ingestible product designated by the reporting directions to be associated with an electronically inputted identification of the particular individual living being as verified using the living being identification electronically received with the directive information; and electronically transmitting the occurrence information to an electronic receiving device to be accessed by at least one recipient identified by the reporting directions as authorized to access the occurrence information subsequent to verification that the electronically received directive information was issued by the at least one authorized entity and subsequent to the electronic inputting of the identification of the particular individual living being, the occurrence information indicating the at least one occurrence of at least partial preparation of the particular ingestible product being associated with the particular individual living being. In addition to the foregoing, other method aspects are described in the claims, drawings, and text forming a part of the present disclosure. | 2013-02-28 |
20130054479 | DETERMINING LIKELIHOOD OF CUSTOMER ATTRITION OR RETENTION - A method identifies one or more customers likely of attriting. The method includes collecting a first set of customer data from one or more social networks in which the customer is a member, where the first set of customer data is indicative of a degree of connection of each of a plurality of connections within the one or more social networks. The method then collects a second set of customer data, where the second set of customer data comprises data available to an entity based on prior interactions between the entity and the customer. Next, the second set of customer data is analyzed to identify any negative interactions between the entity and the customer. Finally, information regarding the identified negative interactions is correlated with the first set of customer data to identify one or more connections as customers of the entity at risk of attriting. | 2013-02-28 |
20130054480 | DETERMINING NETWORK VALUE OF CUSTOMER - A method determines a network value of a customer by collecting a first set of customer data from one or more social networks in which the customer is a member, where the first set of customer data is indicative of a number and quality of each of a plurality of connections within the one or more social networks. The method then collects a second set of customer data, where the second set of customer data includes data available to an entity based on prior interactions between the entity and the customer and analyzes, using a processing device, the first set of customer data and the second set of customer data. Then the method determines, using a processing device, the network value of the customer based at least in part on the analysis of the first set of customer data and the second set of customer data. | 2013-02-28 |
20130054481 | SYSTEM AND METHOD FOR SHARING, ANALYZING AND CONSOLIDATING MEDICAL DATA IN A SOCIAL NETWORK - This disclosure describes a system and methodology for sharing, analyzing and consolidating medical data on social networks in a well secured manner. It allows patients, medical professionals, and caregivers participate in an open media without the fear of their personal information being compromised. At the same time, it allows each user to benefit from analysis of clinical information available on network. It facilitates sharing of information with chosen contacts in a specific manner such that the visibility of information can be configured on individual basis. More importantly, it facilitates the creation of authentic source of medical database at the backend that can be made available for research and analytics on preserving privacy. | 2013-02-28 |
20130054482 | INTERVIEW ASSISTANT SYSTEM AND METHOD - Systems and methods to provide interview assistance at a user device are provided. In example embodiments, a request to access candidate information for at least one candidate from a backend system is received at a user device. The request including an identifier of a user of the user device is provided to the backend system via a communication network. The candidate information for the at least one candidate specified for the user based on the identifier is received by the user device from the backend system. Additionally, assessment information for the at least one candidate is received from the user and provided to the backend system for storage. | 2013-02-28 |
20130054483 | METHOD AND SYSTEM FOR SOURCE TRACKING - A method for tracking referrals using a third party applicant tracking system (ATS). The method include receiving a request to display a web page at a URL from a client used by a job candidate, where the URL is associated with a job at a company and the job candidate. The method further includes providing to the client a web page associated with the URL that includes a description of the job and a link to an ATS, receiving a request for a web page corresponding to the job, where the request is initiated by selection of the link. The method further includes making a determination that the ATS is a third party ATS and, in response, generating a third party referral URL, a unique identifier associated with the job, and an identifier associated with a source type, and providing the third party referral URL to the client. | 2013-02-28 |
20130054484 | SYSTEMS, METHODS AND APPARATUSES FOR PRODUCING A COMPETITIVE GIVING MARKET-PLACE THROUGH A SOCIAL IMPACT MARKETING PLATFORM - Systems, methods and apparatuses for producing a competitive giving marketplace through a social impact marketing platform is disclosed. A portal for consumers, merchants, nonprofits, merchant processors, and financial institutions (participants) is provided to interact in the online and physical marketplace connected to the portal and may create and host competitive events to generate revenues for a designated nonprofit, purpose or cause. An administrative system coordinates the relationship between participants and the receipt of revenue generated for participants. The system and method disclosed provide ways for participants to measure, verify, and market the generated revenue through a portal, in order to combine and direct designated revenues for a designated nonprofit or other purpose in a competitive giving marketplace. | 2013-02-28 |
20130054485 | CONSTRUCTION PAYMENT MANAGEMENT SYSTEM AND METHOD WITH DOCUMENT TRACKING FEATURES - A computer-based method of managing documents. A list of documents is defined including a plurality of required documents that must be provided by a first participant and stored to a memory of the document management system. A first enforcement action is assigned to a first required document of the plurality of required documents. The document management system monitors a status of the first required document and automatically effects the first enforcement action when the first required document is not provided by the first participant. | 2013-02-28 |
20130054486 | Extended management system - A method of, computer program product and system for transforming data representative of an enterprise and its employees into a plurality of models that identify the tangible contribution of one or more elements of value and external factors to both a pension plan for enterprise employees and the enterprise. The models which are developed using automated learning support the management and/or optimization of both the pension plan and the enterprise. | 2013-02-28 |
20130054487 | COMPUTER-BASED SYSTEMS AND METHODS FOR COMPUTING MARKET-ADJUSTED ELASTICITIES FOR ACCOUNTS - Relating resources expended by a securities research entity to revenue received by a financial services firm including the securities research entity. A computer system may receive account revenue data indicative of revenue received by the financial services firm from a first customer investment account for at least securities trade execution by the financial services firm for the first customer investment account. The computer system may also receive account expense data indicative of expenses incurred by the securities research entity on behalf of the first customer investment account. The computer system may determine a market condition-adjusted elasticity for the first customer investment account. The market condition-adjusted elasticity, determined based on at least one market condition for securities, may indicate a relationship between the expenses incurred by the research entity on behalf of the first customer investment account and the revenue received by the financial services firm from the first customer investment account. | 2013-02-28 |
20130054488 | SYNTHETIC FUNDS HAVING STRUCTURED NOTES - The present invention relates to synthetic funds for purchase by investors. A structured note is structured to provide customized equity returns/exposure. Terms of each structured note may be specified by the purchaser and the structured notes may be unsecured liabilities of the obligor, e.g., there are no underlying assets upon which the structure note is based. Thus, there will be no limits on the use of structured note proceeds and management of assets and liabilities will be left entirely to the obligor's discretion. Structured note payment obligations may be related to the performance of an objective valuation, but structured note holders will depend on the good credit of the obligor for payment. | 2013-02-28 |
20130054489 | System and Method for Facilitating the Funding and Administration of a Long Term Investment or Retirement Trust - The funding and administration of a long term investment and/or retirement trust for an individual or individuals are facilitated by the present invention. In one embodiment, the present invention provides a system and method for the input of user variables specific to the requirements necessary for the real-time production of trust documents necessary and specific to the purpose of establishing a funded investment or pre-retirement trust for the individual. The present invention accommodates age-banded funds and investment options, life insurance funding vehicles, loan funding vehicles and alternative (e.g., non-retirement) distribution options. | 2013-02-28 |
20130054490 | METHOD AND SYSTEM FOR SELECTING SECURITIES FOR AN INVESTMENT PORTFOLIO - Methods and systems for selecting and weighting securities for an actively managed exchange-traded fund. An initial selection of stocks includes domestic or international stocks, which are selected based at least in part on market capitalization. Each stock is scored using a plurality of growth and value factors to generate one or more growth scores and one or more value scores. A selection score is determined for each stock, and the stocks are ranked according to selection scores. A predetermined amount of stocks are eliminated from the stock portfolio based on selection score ranking, and the remaining stocks are split into a plurality of sub-groups. A stock portfolio is generated by weighting the remaining stocks according to the sub-groups they are in, with each stock being equally weighted within its sub-group. An exchange-traded fund is offered to consumers based on the stock portfolio. | 2013-02-28 |
20130054491 | COST OPTIMIZED SOLUTION FOR A PRINT ORDER - One example discloses a system comprising a memory for storing machine readable instructions and a processing unit for accessing the memory and executing the machine readable instructions. The machine readable instructions can comprise a print order hub to determine a cost optimized solution for fulfilling a print order. The determination of the cost optimize solution can be based on a calculation of a price charged for preparing material for the print order and shipping the material for the print order to a destination identified in the print order for a plurality of print service providers. | 2013-02-28 |
20130054492 | DETERMINING AN OPTION FOR DECOMMISSIONING OR CONSOLIDATING SOFTWARE - Embodiments include a computer system, method and program product for managing a software program installed on a computer hardware system, the software program subject to a software license. A retrieval of data is performed in which the data indicates actual usage of the software program and the computer hardware system, and processor power of the computer hardware system. In addition, a retrieval of licensing data from the software license is performed in which the licensing data indicates a permitted number of or fee for installations of the software program and a permitted amount of or fee for processor power of the computer hardware system in which the software program is installed. Whether to decommission a copy of the software program based on the data indicating actual usage, the licensing data, a projected amount of future usage of the software program, and criticality of the software program is determined and reported. | 2013-02-28 |
20130054493 | ROUTING TRAFFIC AFTER POWER FAILURE - A device, of a first data center, detects a power failure associated with the first data center when the first data center stops receiving power. The device further identifies a second data center for traffic to be processed by the first data center. The device also receives the traffic and routes the traffic to the second data center. | 2013-02-28 |
20130054494 | EFFICIENT DATA PROFILING TO OPTIMIZE SYSTEM PERFORMANCE - Systems and methods for data profiling are provided. In one embodiment, the method comprises monitoring value of at least a target parameter during execution of logic code in a computing environment, wherein the value of the target parameter is incrementally updated in a sequence of data points; and using statistical analysis to determine a target value for the target parameter as of a current data point, in response to determining a change in the value of the target parameter at each data point. | 2013-02-28 |