12th week of 2014 patent applcation highlights part 62 |
Patent application number | Title | Published |
20140081750 | SOCIAL MEDIA TRANSACTION VISUALIZATION STRUCTURE - A database containing transaction data from at least one entity which makes payments with a payment network is maintained. Social network activity data from a social network is obtained for the at least one entity which makes payments with the payment network. The social network activity data and given records of the transaction data are integrated, to obtain integrated social media transaction visualization data. Techniques for providing purchase recommendations are also disclosed. | 2014-03-20 |
20140081751 | COMPUTERIZED SYSTEMS AND METHODS FOR MARKETING VEHICLE FINANCING OFFERS - A machine-implemented method for generating financing offers to a customer is disclosed. A plurality of original loan variables, including an original periodic payment amount, an original loan remaining duration, an original loan balance, and an original loan interest rate for an open loan account associated with the customer is received. A proposed interest rate is derived at least partially from prevailing market rates, and a proposed remaining loan duration is received. A plurality of proposed loan variables, including a proposed periodic payment amount and a proposed payoff amount is generated from the original loan balance and at least one of the proposed interest rate and the proposed remaining loan duration. Proposed difference values are generated based upon a comparison of the proposed loan variables and the original loan variables. | 2014-03-20 |
20140081752 | INCENTIVE NETWORK FOR DISTRIBUTING INCENTIVES ON A NETWORK-WIDE BASIS AND FOR PERMITTING USER ACCESS TO INDIVIDUAL INCENTIVES FROM A PLURALITY OF NETWORK SERVERS - Systems and methods for distributing incentives on a network-wide basis and for permitting user access to individual incentives from any network server are provided. A method performed by a server for accessing incentives may include receiving an access request from a device associated with a user and connected to a network, transmitting identifying information corresponding to the access request to a host, receiving incentive information from the host reflecting available incentives corresponding to the identifying information, and transmitting a network document, including the incentive information, to the device associated with the user in response to the access request. | 2014-03-20 |
20140081753 | PROMOTING OFFERS THROUGH SOCIAL NETWORK INFLUENCERS - Mechanisms are provided to facilitate buying and selling products utilizing social pricing. Sellers initiate sale of a product with volume discounts for a limited time. In other words, the more people that buy a product, the lower the price for the group. Buyers have a real incentive to become prosumers that not only purchase a product but also promote purchase by others. A social pricing system brokers interaction between sellers and buyer groups, and provisions mechanisms to aid promotion of products by consumers utilizing social networks and other online activities. | 2014-03-20 |
20140081754 | Methods For Presenting Online Advertising At A Social Network Site Based on Tracking User Actions At Other Websites - An advertising system generates customized advertising for social network members. The ads results are personalized based on member actions taken at third party websites, including content reviews, selections, etc. | 2014-03-20 |
20140081755 | Methods For Presenting Online Advertising At A Social Network Site Based on Correlating Users and User Adoptions - An advertising system generates customized advertising for social network members. The ads results are personalized based on members' explicit and implicit interests derived from user actions, advertising and content selections, friend designations, etc. | 2014-03-20 |
20140081756 | Methods For Presenting Online Advertising At A Social Network Site With Recommended Content - An advertising system generates customized advertising for social network members. The ads results are personalized based on content presented to members. | 2014-03-20 |
20140081757 | Methods For Presenting Online Advertising At A Social Network Site Based on Search Results - An advertising system generates customized advertising for social network members based on search queries. The ads results are personalized based on member actions taken, content reviews, selections, etc. | 2014-03-20 |
20140081758 | METHOD AND APPARATUS FOR ADVERTISEMENT DISTRIBUTION | 2014-03-20 |
20140081759 | SYSTEMS AND METHODS FOR SAVING ADVERTISEMENTS - Methods, machine-readable media, apparatuses and systems are provided to save electronic advertisements selected by a user. An electronic advertisement displayed with a first application of a mobile device of the user is received after selection of a save option associated with the electronic advertisement. The electronic advertisement is saved. The electronic advertisement is provided to the mobile device after receipt of a command from a second application of the mobile device. The electronic advertisements may include any type of incentive or offer, including coupons. | 2014-03-20 |
20140081760 | METHOD AND APPARATUS FOR DETERMINING CONTENT TO PRESENT ONE OR MORE USERS OF A LOCATION-BASED GROUPING - An approach is provided for determining content data to present to one or more users of a location-based grouping. A group content platform determines at least one location-based grouping of one or more users that have at least one common profile characteristic. The group content platform then determines one or more attributes of the at least one location-based grouping. The group content platform then processes the at least one common profile characteristic, the one or more attributes, or a combination thereof to determine content data to present to at least a subset of the one or more users. | 2014-03-20 |
20140081761 | METHOD AND SYSTEM FOR REAL-TIME SOCIAL GIFTING - Disclosed are methods and systems for sending targeted and contextual promotional offers on behalf of a merchant by receiving location information for a particular venue by a storage/processing module, gathering contextual information, mapping merchant requirements to the location information, and sending the promotional offers to users, the contextual information provided by portable communication devices, and the mapping based on a predefined criteria and a subset of users whose requirements are mapped on the predefined criteria. | 2014-03-20 |
20140081762 | METHOD, SYSTEM, AND SOFTWARE FOR GEOGRAPHICALLY FOCUSED NETWORK ADVERTISING - A software based system and method of displaying location based information from an information site on a network by determining location data of a user of the location based information on the network. The location based information is generated based on the determined location data of the user; and generated location based information is provided to the user over the network. | 2014-03-20 |
20140081763 | METHOD, SYSTEM, AND SOFTWARE FOR GEOGRAPHICALLY FOCUSED NETWORK ADVERTISING - A software based system and method of displaying location based information from an information site on a network by determining location data of a user of the location based information on the network. The location based information is generated based on the determined location data of the user; and generated location based information is provided to the user over the network. | 2014-03-20 |
20140081764 | DYNAMICALLY CHANGING DISPLAY ON FOR-HIRE VEHICLES - A dynamic display system on a for-hire vehicle (FHV) is provided, the display system being configured to change displayed information when it is safe and when other conditions are met. The FHV display system can determine it is safe when the FHV is in a defined location or meets other criteria that reduce a probability of violating a law or of other drivers allowing themselves to become distracted by the display change. The FHV display system can be configured to process information about the FHV, including its position and its speed to determine whether safety conditions are met. The FHV display system can include a notification system configured to alert the FHV operator that a display change is requested and to indicate proposed transition locations near the position of the FHV. | 2014-03-20 |
20140081765 | SYSTEM AND METHOD OF ADVERTISING FOR USE ON INTERNET AND/OR DIGITAL NETWORKING CAPABLE DEVICES - A system and method of advertising for use on an internet and/or digital networking capable device, wherein the system allows advertisers to use a loading space generated during the initiation of a process on the device to post any media and/or advertising content during the time between when a program or web page is requested and when it actually loads. | 2014-03-20 |
20140081766 | Transaction Arbiter System and Method - A transaction arbiter system and method is disclosed which incorporates a merchant function database under control of a transaction arbiter that permits merchants to interact in an automated way with bids generated by other merchants. Rather than utilizing fixed price schedules as taught by the prior art, the present invention permits each merchant to define a set of functions which describe how the merchant will respond to a customer request-for-quote for a given product or service. These merchant functions interact with both the customer request-for-quote and the results of other merchant functions to generate a dynamic real-time bidding system which integrates competition among merchant bidders to achieve an optimal consumer price for a given product or service. | 2014-03-20 |
20140081767 | ESTIMATING UNIQUE IMPRESSIONS IN AN ONLINE VIDEO DISTRIBUTION SYSTEM - Estimating a number of unique ad impressions in a streaming video system includes defining parameters of an ad campaign and a desired number of ad impressions for the campaign. A computer system determines a discrete probability distribution of video advertising segments per unit time per client device in a population of video advertising segments streamed to a plurality of client devices, based on historical data. The system randomly samples the probability distribution without replacement, based on the defined number of desired ad impressions. An enhanced binary search algorithm may be used for the sampling. Each sample of the probability distribution identifies a number of ads streamed to a different client device in the probability distribution. The system determines, based on the sampling, a number of unique client devices included the samples, thus obtaining an estimate of unique ad impressions for the defined ad campaign. | 2014-03-20 |
20140081768 | RECOMMENDATION MACHINE - A machine may be configured as a recommendation machine that makes one or more recommendations to one or more users. The machine may provide a recommendation based on one or more psychometric profiles that correspond to a user, a product, a manager for the product, or any suitable combination thereof. The user may be a potential buyer of the product, and the manager for the product may fully or partially manage the product and consequently affect the value of the product. The user's psychometric profile may describe market understanding and risk tolerance possessed by the user, and the manager's psychometric profile may describe market understanding and risk tolerance held by the manager. Such psychometric profiles may be used to make recommendations of products. In addition, a psychometric profile for the product itself may be used in the making of such recommendations. | 2014-03-20 |
20140081769 | Customizable Interactive Gifting and Advertising System and Method - A method and system is provided for gifting using interactive multimedia and a gifting system. The gifting system can include a gift card, a website for redeeming the gift card, a plurality of gift representations corresponding to actual gift items, and means for advertising additional retail products or services to consumers. The gift card can also include a greeting card and a unique card identifier associated with the user. The gift card may be viewable through a window on the greeting card. The methods and systems can be used to advertise products to consumers, which can be purchased for personal use or for gifting. The system can be used to direct consumers to a card issuer's website. The gift card may be physical and/or virtual, and may be translated between physical and virtual forms. | 2014-03-20 |
20140081770 | Location Calendar Targeted Advertisements - A method and system is described for targeting advertisements to a targeted travel habit. A targeted travel habit is comprised of a derived travel habit and associated values for any variables relevant to the derived travel habit. A derived travel habit allows targeting an advertisement towards a specific travel habit of a traveler, and utilizes the raw data entered by a traveler into a location calendar system. This raw data includes the traveler's home locations and travel plans. Raw data may be for the past, present, or future. | 2014-03-20 |
20140081771 | PUBLISHER INVENTORY EXTENSION - Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for extending publisher inventory. In one aspect, a method includes receiving distribution agreement data specifying a first number of impressions that a first publisher has agreed to allocate to a content item provider during a specified period. A determination is made that an estimated total number of impressions that the first publisher will allocate to the content item provider over the specified period will be less than the first number of impressions. A third number of additional impressions are obtained from one or more second publishers that differ from the first publisher. At least a portion of the third number of additional impressions is allocated to the content item provider to meet the first number of impressions specified by the distribution agreement data. | 2014-03-20 |
20140081772 | COMPUTERIZED SYSTEMS AND METHODS FOR ANONYMOUS COLLABORATIVE AUCTIONS - A computerized auction system is used for collecting bids from a plurality of producers. The bids are placed on individual components of a multi-component ensemble. Bids from separate marketers are added and affect the rank of a single ensemble within a potential consumer's ensemble search result. The bids are cooperative as the separate bids on the components are added to form the single bid on the ensemble. The bids are anonymous such that each bidding marketer is kept unaware of whether another marketer's bid was combined with the bidding marketer's bid. | 2014-03-20 |
20140081773 | SELLER CONFIGURABLE MERCHANDISING IN AN ELECTRONIC MARKETPLACE - A method and a system for merchandising in a network-based marketplace. Sellers enter item information that identities items to be transacted in a network-based marketplace. Sellers also identify referring items and promoted items and generate associations between them. In response to a buyer's request for the item information on a referring item, the network-based marketplace presents the item information for promoted items in addition to the item information for the referring item. | 2014-03-20 |
20140081774 | SELF SERVICE ADVERTISING METHOD AND SYSTEM - The invention relates to self service advertising method, which comprises: (a) displaying a web page in a normal mode, wherein the page comprises content and active advertisements that are displayed in specific advertising spaces within the web page; (b) providing the same web page in an advertiser mode, wherein the page is displayed with the same content and content placement as in said normal mode, while those advertising spaces that are offered for future advertising are shown without their active advertisements and in their exact same placement in the document as in said normal mode, and wherein each advertising space comprises at least a link for guiding an advertiser to a process for self placing an advertisement within said advertising space; and (c) a predefined virtual button or link within said web page in both said normal and advertiser modes for effecting switching between said normal and advertiser modes. | 2014-03-20 |
20140081775 | Blueprinting of Multimedia Assets - Content management systems that utilize blueprinting and external content libraries are described herein. Methods for managing a web-based marketing campaign using a blueprint may include establishing a blueprint for a web-based marketing campaign using a content management system, the blueprint having rules for managing assets utilized by at least a portion of a plurality of publications of a hierarchical model of the web-based marketing campaign, the plurality of publications having at least one parent publication and at least one child publication. In some instances, at least a portion of the assets utilized by the hierarchical model may be stored on an external content library. The methods may also include determining a change in at least one asset for the at least one parent publication, and automatically inheriting the change in the at least one asset for the at least one parent publication to the at least one child publication according to the blueprint. | 2014-03-20 |
20140081776 | SYSTEM AND METHOD FOR PURCHASING IN A DIGITAL CHANNEL - The systems, methods, and computer program products (collectively “systems”) described herein are generally configured to monitor actions in digital channels. More specifically, the systems are capable of initiating purchases in a broadcast channel. The systems are capable of syncing transaction accounts with various digital channels. Moreover, the systems are capable of initiating or completing transaction based on user information. The systems may also be capable of providing rewards based on activities or accomplishments in the digital channels. Moreover, the systems may be capable of verifying activities based on transaction information. | 2014-03-20 |
20140081777 | SYSTEMS AND METHODS FOR INTERACTING WITH A DEVICE - The technology disclosed relates to improving sales of beverages by allowing users to create virtual beverage formulations across graphical user-interfaces. These user-customized beverage formulations can be interpreted by beverage dispensing machines that can transform them into real-word beverages. In particular, it relates to creating beverage identity tokens that hold user-customized beverage formulations. These beverage identity tokens can cause beverage dispensing machines to dispense real-world beverage mixes made up of the ingredient beverage flavors specified by the user in the virtual beverage formulations. | 2014-03-20 |
20140081778 | AUTOMATIC TAB PAYMENT FROM A USER DEVICE - A user device receives, from a server associated with a merchant, a menu of items offered for sale by the merchant. The menu permits a user, of the user device, to place an order associated with the merchant. The user device receives, from the server, information, associated with the order, that includes at least one item and a price associated with the item. The user device receives a user instruction to pay for the order and retrieves, from a memory associated with the user device, payment information to pay the price associated with the at least one item. The user device sends, to the server, the payment information to permit the server to process the payment information. The sending is performed in a manner that does not permit an attendant associated with the merchant to access the payment information. The user device receives an indication the payment information was processed. | 2014-03-20 |
20140081779 | GEOGRAPHY BASED TRANSACTION COST RECOVERY - Methods and apparatus for recovering a transaction cost in connection with a transaction between a customer and a merchant are provided. The transaction cost may be recovered from a selected region within a geographic area. The selected region may be a customer location. The selected region may be a merchant location. The selected region may be any suitable region. The transaction cost may be recovered utilizing central control over network of merchant locations. The transaction cost may be recovered during a selected time. Apparatus may include an application that allows a selection of a time and/or geographic region for recovery of the transaction cost. | 2014-03-20 |
20140081780 | TEMPORAL BASED TRANSACTION COST RECOVERY - Methods and apparatus for recovering a transaction cost in connection with a transaction between a customer and a merchant are provided. The transaction cost may be recovered utilizing central control over network of brick and mortar stores. The transaction cost may be recovered during a selected time. The transaction cost may be recovered from a selected region within a geographic area during the selected time. Apparatus may include an application that allows a selection of a time and geographic region for recovery of the transaction cost. | 2014-03-20 |
20140081781 | SYSTEM FOR ACTIVATION OF MULTIPLE CARDS - According to one embodiment of the invention, a system is provided for activating a plurality of cards. An activation indicator can be provided to an activation system to process the activation of the plurality of cards. If approved, the activation system transmits a message to the POS device indicating the activation. | 2014-03-20 |
20140081782 | SYSTEM AND METHOD FOR CREATING RESERVATIONS - The systems, methods, and computer program products (collectively “systems”) described herein are generally configured to monitor actions in digital channels. More specifically, the systems are capable of creating reservations for items and initiating payments for the items based on actions or information received from the digital channel. The systems are capable of syncing transaction accounts with various digital channels. Moreover, the systems are capable of initiating or completing transaction based on user information. The systems may also be capable of providing rewards based on activities or accomplishments in the digital channels. Moreover, the systems may be capable of verifying ring activities based on transaction information. | 2014-03-20 |
20140081783 | Push Payment Processor - Embodiments of methods and systems provide transaction processing with dynamic generated codes. In an embodiment, a system comprises a remote server adapted to interact with a POS device and a client device; one or more processors; and one or more memories adapted to store machine-readable instructions to cause the system to: receive, by the server at the remote location, a transaction request from the POS device of the seller, wherein the transaction request includes transaction information in connection with a transaction conducted at the POS device; generate a transaction code upon receiving the transaction request from the POS device, wherein the transaction code includes the transaction information; send the transaction code to the POS device; receive an authorization request for the transaction from the client device after the client device reads the transaction code from the POS device; and process the transaction. | 2014-03-20 |
20140081784 | PAYMENT METHOD, PAYMENT SERVER PERFORMING THE SAME AND PAYMENT SYSTEM PERFORMING THE SAME - A payment server that includes a payment request receiving unit configured to receive a payment request code including a first partial payment code, and a payment code determination unit configured to determine a second partial payment code based on the received payment request code. The payment server also includes a payment code generation unit configured to generate a payment code based on the first and second partial payment codes, the payment code being payable by a user. | 2014-03-20 |
20140081785 | TELEMATIC PAYMENT CARD - Telematic Payment Card for use remotely with a Central Control & Processing Unit, for paying goods and services using mobile network, and transferring money between accounts remotely, enabling a payment card with monitor and keyboard to communicate banking and financial data remotely to financial institutions and payment networks via said central unit. | 2014-03-20 |
20140081786 | POS SYSTEM, BAR CODE SCANNER, AND METHOD FOR CONTROLLING POS SYSTEM - Provided is a POS system including: a storage part for storing a product code for identifying a product and a radiation dose or a radioactivity threshold defined for each product code, the product code and the radiation dose or the radioactivity threshold being associated with each other; a scanner part including a product reading part for reading a product code attached to a product, and a radioactivity measurement part for measuring a radiation dose emitted from the product or radioactivity defined based on the radiation dose; a comparison part for comparing a radiation does or a radioactivity threshold corresponding to the product code read by the product code reading part and a value measured by the radioactivity measurement part with each other; and an alert output part for outputting an alert when the measured value exceeds the threshold. | 2014-03-20 |
20140081787 | PEER-TO-PEER TRANSFER OF FUNDS FOR A SPECIFIED USE - Embodiments of the invention are directed to systems, methods and computer program products for providing a system for a peer-to-peer transfer of funds for a specified purpose. An exemplary apparatus is configured to: receive information from a user relating to a peer-to-peer transfer of funds, wherein the information comprises a recipient and a specified use; identify at least one recipient account for the recipient; receive information associated with a transaction; determine the transaction qualifies for the specified use; and apply funds associated with the peer-to-peer transfer to the transaction. The specified purpose may be use at a specific merchant, use to purchase a specific product, or other types of specified uses. Computer program products and methods are also provided. | 2014-03-20 |
20140081788 | METHOD AND DEVICE UTILIZING POLYMORPHIC DATA IN E-COMMERCE - An aspect of the present invention includes a protocol for conveying data during an e-commerce session with a polymorphic response, comprising initiating a session with a message from a buyer application to a broker application and a session identifier assigned by the broker application; conducting the session between the buyer application and a supplier application; and concluding the session with a additional message which includes a schema identifier for the additional message, resolvable in a context of a system identifier; and a polymorphic response comprising a type and a version, wherein the polymorphic response includes additional data elements corresponding to values assigned to the type and version. | 2014-03-20 |
20140081789 | PROVIDING NAVIGATION OBJECTS FOR COMMUNICATIONS OVER A NETWORK - Communications between participants over a communications link are proxied by an intermediary, such as an Integrated Order Mechanism (IOM). Participants interact with each other through the IOM. The IOM may be transparent to the participants such that they are not aware that the IOM is involved in processing communications. For example, in the context of a transaction by a customer making a purchase from a merchant over the Internet, the IOM facilitates the processing of transactions by processing requests from both the customer and the merchant. Neither the customer nor the merchant may be aware that the transactions are being handled by the IOM. Navigation objects may be provided for the communications over a network. For example, a navigation bar may be included on a merchant web page to provide the customer with a link back to a shopping application provided by the IOM. | 2014-03-20 |
20140081790 | DIGITAL CONTENT HUB - There are provided methods and systems to retrieve search result information and digital content. The system receives input information identifying a plurality of data sources from which to retrieve digital content. Next the system retrieves search result information, over the network, from the plurality of data sources based on the input information. Next the system retrieves the digital content, over the network, from at least one of the data sources based on the search result information. Finally, the system communicates digital content to a client machine. | 2014-03-20 |
20140081791 | ONLINE GROUP-BUYING METHOD - In an online group-buying method, a server sends a group-buying invitation message, which includes shop information associated with a seller terminal, to an invitee terminal in an invitee list in response to a group-buying invitation request message from an inviter terminal. Upon receipt of a join message and a purchase order, which is associated with one or more products provided by the seller terminal, from the invitee terminal, the server sends the join message and the purchase order to the inviter terminal. Then, the inviter terminal sends an integrated purchase order, which is generated according to at least the purchase order, to the seller terminal. | 2014-03-20 |
20140081792 | Auction System and Method - A system and method for conducting an auction for an item comprising an auction server in a network such as the Internet. The item is given a target price. As each bidder bids, the amount bid is added to the sum of all earlier bids for the item made by the bidder. As a bidder makes a bid, the auction server collects the amount bid. When the total bid of a bidder exceeds the target price, the bidder wins. If the bidder does not wish to pay the higher price, the bidder is refunded the total of his bids and leaves the auction for the item. If the bidder accepts paying the higher price, the sale is completed. A bidder has the option to obtain a refund of the amount bid for the item and to leave the bidding process for the item at any stage of the bidding process. | 2014-03-20 |
20140081793 | SYSTEM AND METHOD - A system and method providing for communication and resolution of utility functions between participants, wherein the utility function is evaluated based on local information at the recipient to determine a cost value thereof. A user interface having express representation of both information elements, and associated reliability of the information. An automated system for optimally conveying information based on relevance and reliability. | 2014-03-20 |
20140081794 | SMART ORDER ROUTER - Methods, systems, and apparatus, including computer programs encoded on computer storage media, for order routing. One of the methods includes receiving a request for quote from a user, the request for quote indicating that the first user is to be anonymous during the negotiation. The method also includes selecting counterparties to receive the request for quote. The method also includes sending the request for quote to the selected counterparties absent revealing the identity of the user. The method also includes receiving prices from the counterparties, each price associated with a counterparty. The method also includes presenting the prices to the user. | 2014-03-20 |
20140081795 | METHOD AND SYSTEM FOR SELLING ITEMS - A method for selling an item, the method including: (a) displaying to a user a web page that includes multiple vendor representations; each vendor representation being representative of a vendor that was previously selected by the user; (b) receiving from a user a vendor selection indicator; (c) receiving from the user a requested price for purchasing an item from the selected vendor during a predetermined period of time that is defined by the selected vendor; (d) determining whether to proceed in a selling process of the item to the user during the predetermined period of time in response to the requested price and to an availability of the item at the predetermined period of time for selling by the selected vendor; and (e) selectively proceeding in the selling process in response to the determination. | 2014-03-20 |
20140081796 | PERSONALIZED CONTENT GENERATION AND DELIVERY - Software replaces album art stored in metadata of a music file with a personalized picture that is displayed when the music file is played on a music player device. The personalized picture may be selected from diverse sources such as social media sites or hard drives on computers. The personalized music file may be gifted to intended recipients and downloaded to their music player devices. The personalized picture is displayed when the personalized music file is played on the music player device. | 2014-03-20 |
20140081797 | DIGITAL JUKEBOX DEVICE WITH KARAOKE AND/OR PHOTO BOOTH FEATURES, AND ASSOCIATED METHODS - Certain exemplary embodiments relate to entertainment systems and, more particularly, certain exemplary embodiments relate to jukebox systems that incorporate digital downloading jukebox features along with karaoke jukebox and/or photo booth features. A combined karaoke/photo booth/jukebox may enable more integrated performance-like experiences in an in-home or out-of-home location or venue. By leveraging vast audio media libraries, trusted rights-respecting network infrastructure, and on-site image/video capturing from integrated recorders and/or remote portable devices, a more sociable experience may be created for karaoke jukebox patrons, e.g., where custom content can be generated and shared in a safe and legally appropriate manner. | 2014-03-20 |
20140081798 | SYSTEMS AND METHODS FOR PROVIDING A GIFT REGISTRY - Systems and methods for recommending items for inclusion in a gift registry for a registrant are provided. In various aspects, a processor may receive, over an electronic network, information identifying one or more social sources associated with the registrant. The information identifying the social sources may be used to automatically determine one or more individuals socially associated with the registrant at the respective sources. An invitation may be transmitted to at least one of the determined individuals, requesting the individual to select and recommend at least one item for inclusion in the registrant's gift registry. In one or more aspects, the registrant may accept, ignore, or request additional information regarding items selected and recommended by one or more of the individuals. | 2014-03-20 |
20140081799 | PERSONAL STOREROOMS FOR ONLINE SHOPPING - A method, system, non-transient computer-readable storage medium and computer product for online shopping via wired or wireless server communication are provided. The method for online shopping includes creating public aisles and at least one personal storeroom for each client in an online store application at the server and enabling each client to select online products offered for sale from the created personal storerooms and public aisles. The method for online shopping includes presenting the online store to each client as an animated cartoon of a three-dimensional virtual store. | 2014-03-20 |
20140081800 | Recommending Product Information - The present disclosure provides example methods and apparatuses of recommending product information. When it is monitored that a user adds selected product information to a set of to-be-confirmed product information, a purchasing probability that the user purchases the selected product information is obtained. The purchasing probability may be determined according to the historical operating behavior information of the user relating to the set of to-be-confirmed product information. Recommended product information is determined in accordance with the selected product information and the purchasing probability. The recommended product information is returned to the user. The present techniques improve an effectiveness of the recommended result. | 2014-03-20 |
20140081801 | USER TERMINAL DEVICE AND NETWORK SERVER APPARATUS FOR PROVIDING EVALUATION INFORMATION AND METHODS THEREOF - A network server apparatus is provided. The network server includes a storage unit configured to store a purchase list of a pre-registered user, a communicator configured to receive a list of products of interest of a first user, a searcher configured to compare a purchase list stored in the storage unit with the list of products of interest and identify a second user who has purchased a product recorded in the list of products of interest, and a controller configured to, when the second user is identified, notify that the second user is identified to a user terminal device of one of the second user and the first user. | 2014-03-20 |
20140081802 | TICKET PURCHASING SYSTEM, CONTROL METHOD FOR TICKET PURCHASING SYSTEM, PROGRAM AND RECORDING MEDIUM - Provided is a betting ticket purchase system capable of reducing the number of betting requests for betting tickets that have been received but are not processed by a betting deadline. A betting request receiving unit ( | 2014-03-20 |
20140081803 | METHOD OF LOCATING POINT OF SALE OF A PRODUCT BY ITS FLAVOR - The present invention provides a method comprising: receiving a flavor identifier for a desired product, which flavor identifier was entered into a wireless computer, such as a tablet computer or a Personal Digital Assistant (PDA) by a customer for said product, determining one or more physical locations of the desired product; receiving a signal identifying a current real-time physical location of the customer for said product; generating a set of one or more instructions describing a travel pathway from a starting physical location of the customer to one or more of the physical locations of the desired product; and generating an image, for use on a display, that depicts a travel pathway to one or more physical locations of said product. Furthermore, said invention provides a server comprising a processing module coupled to a memory, wherein the memory comprises a plurality of instructions executable by the processing module, which when executed, cause the processing module to perform the method of this invention. Finally, said invention provides a machine-readable medium having a plurality of instructions processable by a machine embodied therein, wherein said plurality of instructions, when processed by said machine causes said machine to perform the method of this invention. | 2014-03-20 |
20140081804 | SOCIAL PURCHASE SYSTEM - Systems and methods for providing social purchases include hardware and software configured to receive a purchase instruction from a purchaser that includes an item and a merchant associated with the item. The purchase instruction is determined to be associated with a social purchase request that may be predefined or provided along with the purchase instruction. In response to determining the associated social purchase request, a social purchase solicitation including the item is provided to a plurality of friends connected to the purchaser through a social network on their associated social network profiles. The social purchase solicitation is monitored for social purchase opinions directed to the item by the plurality of friends through the social network profiles. A payment request to make a payment from the purchaser to the merchant is sent in response to the social purchase opinions including a predetermined number of positive opinions directed to the item. | 2014-03-20 |
20140081805 | SOFTWARE PRODUCT REVIEW SYSTEM AND METHOD - A customer with a customer device performs a search for reviews of a particular software product of interest to the customer. The customer is then presented with entries from reviewers that have the same device as the customer, or a device on which the product is expect to run or operate in a manner similar to how it runs on the customer's device. | 2014-03-20 |
20140081806 | APPARATUS, SYSTEMS AND METHODS FOR FACILITATING COMMERCE - According to one or more embodiments, apparatus, systems and methods are provided for facilitating commerce. In some embodiments, an apparatus (e.g., a central computer) facilitates posting of an item for sale by receiving a digital image of an item for sale, receiving an audio description (e.g., included in an audio file) of the item, and providing an indication of the description to at least one potential buyer. In one embodiment, the digital image and the audio description are received from a mobile phone. | 2014-03-20 |
20140081807 | AUTOMATED SHIPPING ADDRESS PROVISION FOR GIFT GIVING PROCESSES INCLUDING PRIVATE LABEL SERVICE - A method for automated provision of shipping address information for online sales transactions is disclosed. The method includes receiving a request, from an online checkout process at an online retailer, for shipping address information for a first friend of a consumer, reading trademark data from a database, wherein the trademark data corresponds to the online retailer, providing to the consumer a portal displaying a social network login interface, wherein the portal includes the trademark data, generating a message to the first friend requesting shipping address information, wherein the message includes the trademark data, and transmitting the message to the first friend using the contact information that was read, receiving shipping address information from the first friend, and transmitting the shipping address information for the first friend to the online checkout process for completion of the checkout process. | 2014-03-20 |
20140081808 | SYSTEM AND METHOD FOR VISUAL COMMUNICATION BETWEEN BUYERS AND SELLERS - A visual communications (VC) tool enables visual communication over a data communications network. An email is sent to a recipient containing a link to a first visual arrangement generated by a sender. The first visual arrangement may include images of various products. The first visual arrangement is displayed via a web browser in a first display area of the VC tool in response to actuation of the link in the email message. The recipient then selects a first image in the first display area. The selection may include dragging and dropping the first image into a second display area of the VC tool. The selection triggers the generating of a second visual arrangement which includes a copy of the first image. The copy of the first image is displayed in a second display area concurrently with the display of the first image in the first display area. | 2014-03-20 |
20140081809 | SYSTEM AND METHOD FOR PURCHASING IN A DIGITAL CHANNEL - The systems, methods, and computer program products (collectively “systems”) described herein are generally configured to monitor actions in digital channels. More specifically, the systems are capable of initiating purchases in a broadcast channel. The systems are capable of syncing transaction accounts with various digital channels. Moreover, the systems are capable of initiating or completing transaction based on user information. The systems may also be capable of providing rewards based on activities or accomplishments in the digital channels. Moreover, the systems may be capable of verifying activities based on transaction information. | 2014-03-20 |
20140081810 | Order Upsell-Options for a Configurable Product - A system, method, and computer-readable medium are disclosed for managing the display of product module descriptors within a user interface. Product module data, along with historical visit and product module purchase data, is processed to generate a Config Score numeric value, which in turn is processed to generate a ConfigRank numeric value for each of a plurality of product modules. In turn, the ConfigRank numeric values are then used to determine the placement of each product module's associated product module descriptor within a user interface window. | 2014-03-20 |
20140081811 | ELECTRONIC SALES SYSTEM - A method comprises making a set of personal profiles available, from at least one buy-side user to at least one sell-side user, each personal profile in the set of personal profiles including a first set of first values for a plurality of information fields, the plurality of information fields relating to commercial transactions. Based upon the at least part of the set of personal profiles, the method receives a request to enter into a trusted relationship from the at least one sell-side user at the at least one buy-side user, and receives a set of trusted relationship information from the at least one sell-side user at the at least one buy-side user. The method sends the set of trusted relationship information, from the at least one buy-side user to the at least one sell-side user. The relationship includes a variable level of trust which affects the amount of infrastructure functionality available to one or more users and wherein the variable level of trust comprises a first level of trust and a second level of trust and wherein the first level of trust is set by the at least one buy-side user and the second level of trust is set by the at least one sell-side user. | 2014-03-20 |
20140081812 | INVENTORY MANAGEMENT SYSTEM - A method for managing inventories of commodities using a centralized inventory database to facilitate commodity trading. The method includes propagating the centralized inventory database with long and short inventory positions submitted by various dealers. Dealers use the centralized inventory database to locate long and short inventory positions of other dealers, coordinate commodity trades to offset their own long and short positions, and to adjust their own inventory positions to better address market forces. | 2014-03-20 |
20140081813 | Asset Monitoring Using the Internet - Method for monitoring assets that include a sensor system that obtains data about contents thereof, a processor that derives information about the contents from the sensor data, and a communication system that, when linked to a communications network, wirelessly transmits the information derived by the processor via the Internet. The information is received at a data processing and storage facility, associated with a unique identification code for each asset, and stored in association with the identification code. Access to the stored information is effected via the Internet. | 2014-03-20 |
20140081814 | ACCOUNTING JOURNALIZATION FILE DATA STANDARDIZATION SYSTEM - An accounting journalization file data standardization system performs account processing common to each related party by use of accounting journalization files from a plurality of related parties. In the system, a standard title search unit that searches for a matched title in which a standard title ID stored in a matched title information database is linked to a debit title name and/or a credit title name for which a related-party title search unit was not able to search while using the title names as keys and that links the standard title ID of the matched title to the debit title name and/or the credit title name for which the related-party title search unit was not able to search. | 2014-03-20 |
20140081815 | Process and System for Synchronizing Data From a Meter Collection Database to a Billing Database - There is provided a synchronization procedure built to gather customer multi-function printer (MFP) usage and to verify and aggregate gathered data and associate it with a customer and child sites associated with the customer. The aim of this procedure is to ensure that the client has been billed/credited properly and the services provider receives the monies that it is due. | 2014-03-20 |
20140081816 | COLLABORATIVE FINANCIAL PLANNING - Disclosed are electronic systems and techniques for implementing collaborative financial planning. An input component can receive a set of data related to a collaborative financial goal from one or more participating users and/or a set of data sources. A goal setting component can determine or infer a collaborative financial goal based on least in part on the received set of data. The collaborative financial goal can include a savings and/or investment objective, a set of participating users, a goal description, and/or a target completion date. A planning component can dynamically generate a plan to achieve the collaborative financial goal, and an execution component can execute the plan, monitor progress, and update the plan based on the progress. | 2014-03-20 |
20140081817 | SYSTEM AND METHOD FOR DETERMINING SOCIAL STATEMENTS - Systems and methods are disclosed for providing a social statement for an account holder of a financial institution. In one example embodiment, the method includes receiving, by one or more computer processors, account holder financial data associated with the account holder, and receiving, by the one or more computer processors, account holder social data associated with one or more social networking profiles of the account holder. The method further includes associating, by the one or more computer processors, the account holder social data with the account holder financial data. In addition, the method includes identifying peer financial data associated with a peer group, and creating a social statement based at least in part on the account holder financial data, the account holder social data, and the peer financial data. Further, the method includes providing the social statement to the account holder. | 2014-03-20 |
20140081818 | Matched Order Fulfillment with Linear Optimization - A method for matching compound orders from a group of market participants includes receiving, via a communication network, compound order data, the compound order data specifying a maximum amount of a financial instrument of a plurality of financial instruments to be bought or sold by each market participant, accessing a memory in which price data is stored, the price data indicating a current price of each financial instrument, implementing, with a processor, a linear solver to maximize fulfillment of the compound orders via order matching for execution at the current prices in accordance with the maximum amounts specified in the compound order data and in accordance with a maximum net risk exposure level for each market participant arising from the fulfillment of the compound orders, and transmitting trade data indicative of the order matching for execution of trades among the market participants at the current prices. | 2014-03-20 |
20140081819 | Processing Fixed Unit Financial Instruments - Systems and methods are provided for processing fixed unit futures contracts. The initial notional value of a fixed unit futures contract is set to a round number. As the value changes over time, gains and losses are settled and the value of the fixed unit futures contract is returned to the notional value. The value of the fixed unit futures contract may begin each trading session at the notional value. | 2014-03-20 |
20140081820 | METHODS AND SYSTEMS FOR INTER-ACCOUNT MARGIN OPTIMIZATION - The disclosed embodiments relate to reducing, minimizing or otherwise optimizing margin requirements for a trader having both an interest rate (IR) futures and over-the-counter (OTC) interest rate swaps (IRS) accounts by efficiently allocating IR futures across both accounts. | 2014-03-20 |
20140081821 | INVENTORY MANAGEMENT SYSTEM - A method for managing inventories of commodities using a centralized inventory database to facilitate commodity trading. The method includes propagating the centralized inventory database with long and short inventory positions submitted by various dealers. Dealers use the centralized inventory database to locate long and short inventory positions of other dealers, coordinate commodity trades to offset their own long and short positions, and to adjust their own inventory positions to better address market forces. | 2014-03-20 |
20140081822 | AUTOMATED BATCH AUCTIONS IN CONJUNCTION WITH CONTINUOUS FINANCIAL MARKETS - A method and system for performing a batch auction whereby a series of orders, according to a variety of predetermined order types, are generated by qualified market participants and communicated to an auction system. The auction system takes into account each order and its impact upon relative supply and demand to determine by a preset algorithm a price and share transaction quantity. Trades are executed at the price, and a portion of the transaction quantity is allocated to each investor on a fair basis dependent upon their initial orders. In embodiments of the present invention, the auction system uses a computer system or network designed to automatically perform one or more steps of the above method. Such a system is preferably connected to one or more ECNs such that non-executed shares can be automatically sent to outside sources for execution. In alternative embodiments, the invention includes the use of a one or more intermediaries or market makers to cover certain unexecuted trades at the determined price. The present invention is preferably used to conduct batch auctions at the opening and closing of securities trading markets. | 2014-03-20 |
20140081823 | TRADING OF FINANCIAL INTERESTS INCLUDING REALLOCATION OF COMMITTED ORDER QUANTITY - Computer systems, methods, and computer program products are provided for facilitating trading of financial interests over computer networks. A computer system may send through the network a first order for a financial interest, where the first order is not presently executable in an execution venue but has associated with it a quantity that can be committed to a possible future trade. On learning of a possible match between the first order and a second order, the computer system may attempt to firm up the first order into a tradable third order, possibly by asking a trader workstation to recall a quantity that was previously committed to a broker for trading. If firming up succeeds, the third order may be transmitted to a venue for execution. Firming up may include receiving from the trader workstation in formation identifying a broker to give up to the venue. | 2014-03-20 |
20140081824 | Method for forecasting and likelihood estimation in technology development through means of a derivatives trading exchange, funding of prize amounts for incentivizing technology development through same trading exchange, and incentivizing development of high-quality inducement prize contests - The present invention is a method for forecasting and likelihood estimation in technology development through means of a derivatives trading exchange, funding of prize amounts for incentivizing technology development through same trading exchange, and incentivizing development of high-quality Inducement Prize Contests through creation and trading warrants giving the warrant owner rights to issue an IPC prize funded by the derivatives trading exchange. | 2014-03-20 |
20140081825 | BLOCK PLACING TOOL FOR BUILDING A USER-DEFINED ALGORITHM FOR ELECTRONIC TRADING - Certain embodiments provide a block placing tool for building a user-defined algorithm for electronic trading. Certain embodiments provide for receiving by a block placing tool a selection of one or more blocks. Certain embodiments provide for receiving by a block placing tool a mapping definition including a mapping between block types and/or attributes. Certain embodiments provide for placing blocks based on a selection of blocks and a mapping definition. | 2014-03-20 |
20140081826 | Smart Trade Template Based Matching - Systems and methods for matching orders are provided. One or more trade templates are created. The trade templates define groups of orders for financial instruments that may be combined such that all of the orders are matched. A collection of tradable price levels is also created for each template. New orders and resting orders are analyzed using one or more trade templates and tradable price levels to determine whether a combination of orders satisfies all of the elements of a trade template with a required price level. When all of the elements of a trade template are satisfied and an order with a tradable price level is received, the corresponding orders may be matched contemporaneously. | 2014-03-20 |
20140081827 | System and Method for Assigning Responsibility for Trade Order Execution - An embodiment of the present invention provides a system and method for a sponsoring organization to: (1) utilize a rules-based computer system to capture trade orders from sub-advisors (money management firms) in order to implement a pre trade compliance review process, thereby enabling the sponsoring organization to prevent the execution of trade orders by a sub advisor that violates securities laws and/or account restrictions; and (2) determine and assign, based on expected market impact of a trade order to buy or sell securities, whether responsibility (discretion over the decisions related to how, when and with whom a trade order is executed) for executing the trade order is assigned to the money management firm for an investment portfolio or to the sponsoring organization of that portfolio. Trade orders are categorized in real-time as “high touch” (significant effort and market impact) or “low touch” (insignificant effort and market impact). | 2014-03-20 |
20140081828 | CLICK BASED TRADING WITH INTUITIVE GRID DISPLAY OF MARKET DEPTH AND PRICE CONSOLIDATION - A method and system for reducing the time it takes for a trader to place a trade when electronically trading on an exchange, thus increasing the likelihood that the trader will have orders filled at desirable prices and quantities. The “Mercury” display and trading method of the present invention ensure fast and accurate execution of trades by displaying market depth on a vertical or horizontal plane, which fluctuates logically up or down, left or right across the plane as the market prices fluctuate. This allows the trader to trade quickly and efficiently. The price consolidation feature of the present invention, as described herein, enables a trader to consolidate a number of prices in order to condense the display. Such action allows a trader to view a greater range of prices and a greater number of orders in the market at any given time. By consolidating prices, and therefore orders, a trader reduces the risk of a favorable order scrolling from the screen prior to filling a bid or ask on that order at a favorable price. | 2014-03-20 |
20140081829 | Symbolic Language for Trade Matching - A symbolic modeling language for trade matching providers techniques to describe the specialized operations of a match engine in a form that can be understood by business analysts and readily translated into program code and test cases by developers and testers. Associated techniques for calculating implied markets and testing can expedite match engine development, testing and maintenance. | 2014-03-20 |
20140081830 | Processor-Based Systems and Computer-Implemented Methods for Identification, Sourcing, and Acquisition of Distressed Debt - Disclosed herein are processor-based systems and computer-implemented methods for identification, sourcing, and acquisition of distressed debt. At least one embodiment provides amalgamated debt information associated with an indebted entity, which may owe debt to multiple disparate lending entities. Often, debt information involving these lending entities is maintained in a number of unassociated and disparate data sources, to which access may be restricted on a subscriber basis. To provide amalgamated debt information associated with the indebted entity, a computer platform is programmed to carry out at least one of searching and receiving debt information that is associated with the indebted entity and that identifies some or all of the multiple disparate lending entities. The platform is programmed to amalgamate and organize the debt information, and to present the amalgamated-and-organized debt information via a user interface, providing consolidated access to the unassociated and disparate data sources. | 2014-03-20 |
20140081831 | Systems and Methods for Using Declining Balance Methodologies to Enhance Clearing of Dividend Futures and Other Instruments - Systems and method are disclosed for quoting, adjusting and settling futures contracts by successively removing the just-realized variables from the quoted futures price to focus the quoted contract value to the remaining unrealized economic variables. Further, such systems and method for quoting, adjusting and settling the futures contracts preserve the underlying economic consideration for the trade when compared with the traditional way of quoting futures based on the same cumulative sum. | 2014-03-20 |
20140081832 | SYSTEM AND METHOD FOR BUILDING AND VALIDATING A CREDIT SCORING FUNCTION - This invention relates generally to the personal finance and banking field, and more particularly to the field of credit scoring methods and systems. Preferred embodiments of the present invention provide systems and methods for building and validating a credit scoring function based on a creditor's target information from non-traditional sources using specific algorithms. | 2014-03-20 |
20140081833 | SYSTEMS AND METHODS OF MONETIZING DEBT - According to one aspect, a computer system is provided. The computer system comprising a memory, at least one processor coupled to the memory, an account data interface component executed by the at least one processor and configured to receive account information for accounts owned by a plurality of distinct parties, a scrubbing engine component executed by the at least one processor and configured to identify a plurality of high risk debt accounts described within the account information, and a purchasing engine component executed by the at least one processor and configured to identify at least one high risk debt account of the plurality of high risk debt accounts with an estimated return sufficient to warrant purchasing the at least one high risk debt account. | 2014-03-20 |
20140081834 | SYSTEM AND METHOD FOR ASSIGNING A LINE OF CREDIT TO A CREDIT CARD ACCOUNT - A system assigns a credit limit to an account for a credit card of a card holder based on whether the card holder poses an acceptable risk. The system activates an account for the credit card, assigns an initial credit limit well below a tolerance level to the account, develops credit history data based on account activity during predetermined short intervals of time, evaluates the credit history data after each of the predetermined short time intervals, and determines whether to increase the credit limit of the account based on the evaluated credit history. | 2014-03-20 |
20140081835 | TOTAL STRUCTURAL RISK MODEL - The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data. | 2014-03-20 |
20140081836 | Processor-Based Systems and Computer-Implemented Methods for Identification, Sourcing, and Acquisition of Distressed Debt - Disclosed herein are processor-based systems and computer-implemented methods for identification, sourcing, and acquisition of distressed debt. At least one embodiment provides amalgamated debt information associated with an indebted entity, which may owe debt to multiple disparate lending entities. Often, debt information involving these lending entities is maintained in a number of unassociated and disparate data sources, to which access may be restricted on a subscriber basis. To provide amalgamated debt information associated with the indebted entity, a computer platform is programmed to carry out at least one of searching and receiving debt information that is associated with the indebted entity and that identifies some or all of the multiple disparate lending entities. The platform is programmed to amalgamate and organize the debt information, and to present the amalgamated-and-organized debt information via a user interface, providing consolidated access to the unassociated and disparate data sources. | 2014-03-20 |
20140081837 | PAYMENT TRANSACTION GATEWAY FOR A MEDIA PLAYER - A method and apparatus for a payment transaction gateway in a media player are disclosed. Content provided to the media player is sectored into a preview portion and a pay gate portion. The preview portion may be provided free of charge, whereas a user is required to pay a fee or accept a charge to receive the pay gate portion of the content. A payment transaction gateway that is initiated in the media player is used to facilitate the payment of the fee or the acceptance of the charge. The payment transaction gateway allows a user to log in to an account, register for an account, or guest-pay for the content within the confines of the media player and without running another application. Further, a content provider is also enabled to price content based on a minimum price associated with the content. | 2014-03-20 |
20140081838 | NOTIFICATION OF ALTERNATIVE PAYMENT CHANNEL - Systems, methods, and computer program products are defined for notifying customers, post-transaction of the ability to change payment form for the just completed transaction. In addition, the notification may include the advantages presented by the alternative payment forms and/or the optimal payment form for the completed transaction. Once notified, the customer may effortlessly and automatically change the payment form if so desired. If the payment form is changed to an interest-bearing payment form, such as a credit or loan account, the customer may be subsequently notified with an option to automatically and immediately pay-off the transaction amount using another customer account, such as a savings account, checking account or the like. | 2014-03-20 |
20140081839 | GIFT CARD ASSOCIATION WITH ACCOUNT - Embodiments of the invention are directed to systems, methods and computer program products for associating gift cards with accounts. An exemplary apparatus is configured to: receive information associated with a gift card; associate the gift card with the account; receive information associated with a transaction; determine the transaction qualifies for the gift card; and apply funds associated with the gift card to the transaction. | 2014-03-20 |
20140081840 | REDEMPTION OF GIFT CARD - Embodiments of the invention are directed to systems, methods and computer program products for gift card redemption. An exemplary apparatus is configured to: receive information associated with a gift card, the gift card associated with a merchant; associate the gift card with the account; transmit a redemption request to an entity, the redemption request for redeeming funds associated with the gift card; and receive funds associated with the gift card from the entity. | 2014-03-20 |
20140081841 | REDEMPTION OF GIFT CARD FOR UNRESTRICTED FUNDS - Embodiments of the invention are directed to systems, methods and computer program products for gift card redemption. An exemplary apparatus is configured to: receive information associated with a gift card, the gift card associated with a merchant; associate the gift card with the account; transmit a redemption request to an entity, the redemption request for redeeming funds associated with the gift card; and receive funds associated with the gift card from the entity, wherein the funds are not restricted to purchases associated with the merchant. | 2014-03-20 |
20140081842 | BINIOG SATHI APPARATUS, SYSTEM, AND A METHOD THEREOF - The invention encompasses a Biniog Sathi apparatus, system, and a method thereof. The present invention relates generally to an inventive concept in investment and charitable contributions. The present invention also contemplates modifying the existing banking model with the incorporation of a Zakat or charity fund that will allow the financial institutions to mitigate the default risk for loans. This invention finds a sustainable solution to the problems of debt default in the financial services industry with the help of Zakat or charity hinds. It also strengthens the existing Islamic banking model complying with all the sharia principles. This invention develops a banking model that will be acceptable to all individuals and businesses seeking loans irrespective of race, color, religion, social class, to name a few. | 2014-03-20 |
20140081843 | PRESENTATION INSTRUMENT LOADING - Systems and methods are provided that allow consumers to reload prepaid accounts in-lane at a retail location without providing any personal identification such as a prepaid account numbers, an account number, name, etc. The systems and methods allow a consumer to establish a relationship with a reload package prior to paying for the reload package at the retail location. | 2014-03-20 |
20140081844 | DATA SHARING PLATFORM - A data sharing platform can be used to implement a method for allowing at least one entity which makes payments with a payment network to share transaction data. A database containing the transaction data from the at least one entity which makes payments with the payment network is maintained. A user interface is provided, which presents the at least one entity which makes payments with the payment network with at least one selection providing consent to sharing of at least a portion of the transaction data with at least one third party. The consent from the at least one entity which makes payments with the payment network is obtained, via the at least one selection. Interfacing takes place with the at least one third party to share the at least portion of the transaction data. | 2014-03-20 |
20140081845 | SYSTEM AND METHOD FOR CURRENCY CONVERSION RELATED TO CREDITS REDEEMABLE IN A VARIABLE VALUE TRANSACTION - A system and method of converting currency items to credits that are redeemable in a variable value transaction are disclosed. Converting currency items to credits allows the credits to be used for satisfying an initial balance or a remaining balance of the variable value transaction involving a piece of media content. The conversion may include receiving a unique customer identifier identifying a customer, receiving a unique identifier of the currency items, and determining whether the currency item is valid for being converted to a credit. If the currency item is valid, a conversion ratio of the currency items to credits may be retrieved and a quantity of the credits may be calculated from the currency items, based on the conversion ratio. The quantity of the credits may be issued to the customer in a credits database. Invalid currency items may be rejected for conversion to the credit. | 2014-03-20 |
20140081846 | Financial Advisor Platform - Disclosed is a portal that receives provider content in various media from a plurality of provider sources to provide a private portal access to users and which allows users to select providers from the plurality of providers. The portal stores users own information as well as selected content from selected providers into a private firm archive where users can add comments and tags to the content and produces analytical data by comparing a provider's sales production data with a providers content consumption, to benchmark provider content consumption against other firms of similar nature. The portal reports user analytical data back to selected providers. | 2014-03-20 |
20140081847 | SYSTEM AND METHOD FOR PURCHASING IN DIGITAL CHANNELS - The systems, methods, and computer program products (collectively “systems”) described herein are generally configured to monitor actions in digital channels. More specifically, the systems described herein are capable of initiating a transaction with a transaction account based on an action in any suitable digital channel. The systems are capable of syncing transaction accounts with various digital channels. Moreover, the systems are capable of initiating or completing transaction based on user information. The systems may also be capable of providing rewards based on activities or accomplishments in the digital channels. Moreover, the systems may be capable of verifying activities based on transaction information. | 2014-03-20 |
20140081848 | METHOD FOR ELECTRONICALLY PROCESSING A TRAFFIC OFFENSE AND ONBOARD-UNIT THEREFOR - A method for electronically processing a traffic violation of a vehicle that comprises an onboard unit having a transceiver, an input device and an output device, and an onboard unit for carrying out the method, are provided. The method includes: transmitting a traffic violation message from a beacon to the transceiver of the onboard unit and outputting the traffic violation message on the output device of the onboard unit; accepting a user selection concerning two options via the input device of the onboard unit; if the user selection indicates the first option, transmitting the traffic violation message from the onboard unit to a remote central facility; if the user selection indicates the second option, generating a debit transaction related to the traffic violation and charging the debit transaction against a user account. | 2014-03-20 |
20140081849 | SYSTEMS AND METHODS FOR PROVIDING NEAR FIELD COMMUNICATIONS - Methods and systems are disclosed for providing Near Field Communications. In certain embodiments, an Android mobile operating system based mobile device is configured with software that, when executed by one or more processors, determines whether the mobile device is to perform an NFC communication with a contactless payment terminal (CPT) using a secure element associated with an NFC controller included in the mobile device. Based on the determination, the mobile device is configured to execute software that performs communications with the CPT using the NFC controller. | 2014-03-20 |