| 13th week of 2012 patent applcation highlights part 58 |
| Patent application number | Title | Published |
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| 20120078726 | SYSTEM AND METHOD FOR PROVIDING ENHANCED LOCAL ACCESS TO COMMERCIAL ESTABLISHMENTS AND LOCAL SOCIAL NETWORKING - A system and method for mobile interactive communication on a local social networking platform is presented. In particular, the invention comprises a plurality of mobile user interfaces disposed in a communicative relation with at least one local network, such as WLAN, LAN, WIFI hotspot, etc. Each of the mobile devices or interfaces are structured to execute, access or run a social networking application which, in at least one embodiment, is capable of automatically receiving and displaying promotional media communicated by or on behalf of a nearby commercial establishment, wherein the commercial establishment is located within a user-selected promotional range. A number of mobile devices connected to either common or different local networks may also communicate to one another (via chat, voice or video chat, send images, data, etc.) so long as the mobile devices are disposed within a user-selected communication range. | 2012-03-29 |
| 20120078727 | Facilitation of user management of unsolicited server operations via modification thereof - A trust architecture, including an intermediary for use therewith, which may be referred to as a Personal Privacy Stronghold (“PPS”), is disclosed which facilitates user management, including control, enablement, extension and augmentation, of unsolicited server operations, allowing the user to control such operations without compromising their ability to use other functionality. Such stateful operations may be used, for example, to monitor and track the user's Internet activities. | 2012-03-29 |
| 20120078728 | SYSTEMS, DEVICES, AND METHODS OF SUBSIDIZING THE COST OF ELECTRONIC DEVICES BY ALLOWING THE DEVICE MANUFACTURER TO CONTROL DIGITAL ADVERTISING ON THE DEVICE - Systems, methods and devices for reducing a price of an electronic device by allowing a device manufacturer to control digital advertising on the electronic device are disclosed. Such systems, methods, and devices may include presenting content on a display, the content having an embedded commercial. Further, embodiments may include detecting the embedded commercial with a screening engine and a screening circuit and providing the screening engine and screening circuit with device advertisement (AD) content by the AD content engine. Additional embodiments may include replacing the embedded commercial with the device AD content by the screening engine and screening circuit. Moreover, selecting the device AD is based on user information by the AD content engine as well as tracking the viewing of the AD content by a tracking module. | 2012-03-29 |
| 20120078729 | COMPENSATION MODEL FOR NETWORK SERVICES - A compensation model is disclosed for compensating a network service provider. | 2012-03-29 |
| 20120078730 | Automatic Internet Search Advertising Campaign Variable Optimization for Aiding Advertising Agency Efficiencies - A method, computer readable medium, and advertising server network for automatic internet advertising campaign variable optimization. The advertising server network comprises a module for receiving an advertising campaign specification containing a keyword template. The keyword template contains a plurality of keywords or bid phrases (which are selected to correspond to a particular business type). Then, based on one or more selected keywords, a module serves for collecting historical and/or forecasted keyword click data using a historical dataset. The keywords and click data are used as inputs into a linear programming optimization problem, which linear programming optimization technique is employed for calculating a bid amount for bidding on one or more display positions. The bid is optimized based an objective function subject to policy constraints. Given an optimized bid, a module places the bid using an auction server. A winning bid then secures a particular position on the internet advertising impression. | 2012-03-29 |
| 20120078731 | System and Method of Browsing Electronic Catalogs from Multiple Merchants - A system and method of browsing electronic catalogs from a plurality of merchants. The electronic catalog system emulates the portability and usability of a traditional paper and ink catalog, especially when realized on a tablet or mobile device. Product data feeds from multiple merchants are collected and processed to build a product database. A server retrieves product data and serves it to users browsing the electronic catalogs. Users can request more detailed information and order products through the server and merchant websites. Users communicate with the server and merchant websites either through a standalone software application or via a standard web browser. Merchants are able to update the contents of their electronic catalogs through a merchant portal. | 2012-03-29 |
| 20120078732 | METHOD AND SYSTEM FOR MOBILE BILL PRESENTMENT AND PAYMENT MESSAGING AND MARKETING - A computer system and method for operating a computer system for a secure mobile bill presentment and payment system that enables bill payments to be made by a user of a mobile device, such as a cellular phone, smart phone, PDA, notebook, tablet or other network connected mobile device, a biller to send product or service messages or related information to enrolled customers in the mobile bill payment computer system, and for a biller to create a marketing broadcast for a product or service that an enrolled customer can purchase via the computer system. | 2012-03-29 |
| 20120078733 | SYSTEM AND METHOD FOR MANAGING ADVERTISING CAMPAIGNS - A system for telematic management of advertising campaigns comprises a central server connected to a database that contains identification data of advertising sites associated with a plurality of operators, the identification data comprising operating parameters associated with each one of the sites; a plurality of user stations, suitable to interact with the central server via a telematic network and comprising a data entry interface for defining an advertising campaign; a processing engine, located at the central server, which is configured to associate automatically with the advertising campaign, on the basis of the definition data of the advertising campaign and of the identification data, one or more of the advertising sites. | 2012-03-29 |
| 20120078734 | Food Item Cooking, Assembly and Packaging System and Method - A system and method for making a food item are provided. The apparatus includes a food item assembly and packaging station having a first work area for assembling and packaging a food item and a food order assembly station having a second work area for assembling a food order that includes a food item packaged on the first work surface. A conveyor is positioned beneath the first work area and extends from a position proximate to the first area to a position proximate to the second work area. A conveyor access opening is proximate to the first work area to provide worker access to the conveyor to permit manual placement of a food item assembled and packaged at the first work area onto the conveyor for conveying the packaged food item beneath the first work area to the location proximate the food order assembly station. | 2012-03-29 |
| 20120078735 | Secure account provisioning - A mobile payment system and method are described that facilitates the secure and real time user authentication and activation of a mobile payment account for a user portable electronic device over a communications network. | 2012-03-29 |
| 20120078736 | ON-DEMAND GENERATION OF TENDER IDS FOR PROCESSING THIRD-PARTY PAYMENTS VIA MERCHANT POS SYSTEMS - A closed loop payment system, such as those leveraged to activate or process gift cards, is employed to enable consumers to make payments for multiple payees at a plurality of retail locations. The systems, methods and techniques also enable financial settlement of the consumer payments across multiple parties, and the systems, methods and techniques enable consumers to manage an individual payment profile using an Internet connected device or mobile phone. | 2012-03-29 |
| 20120078737 | METHOD FOR AUTHORIZATION OF A TRANSACTION WITH THE USE OF MOBILE PHONE - A method for transaction authorization with the use of a mobile phone, comprising the steps of receiving ( | 2012-03-29 |
| 20120078738 | Electronic registration systems for items purchased under a gift registry and/or for items to be distributed post-sale, and associated methods - The exemplary embodiments described herein relate to the field of electronic registration (ER) of purchased products and, more particularly, to an improved electronic registration system that tracking and validating return/warranty eligibility for items purchased from a gift registry and/or to be given to a recipient at a future time, e.g., remote from the actual purchase date. If it is determined that a product is sold as a part of a gift registry, for example, the “start date” of the return/warranty eligibility period may be effectively set as the event date rather than the actual item purchase date and/or event date validation may be selectively performed in place of sale date validation when evaluating return/warranty eligibility for such items. As a result, it is possible to at least partially restore an otherwise diminished return/warranty eligibility period for a purchased, but not immediately gifted, item. | 2012-03-29 |
| 20120078739 | Electronic registration systems for tracking and/or identifying fraudulent gift cards purchased or linked to fraudulent item returns, and associated methods - The exemplary embodiments described herein relate to the field of electronic registration (ER) of purchased products and, more particularly, to an improved electronic registration system that enables the tracking and/or identifying of fraudulent gift cards that are purchased or linked to fraudulent item returns. In certain exemplary embodiments, transaction information for gift cards is stored in and/or connected to an ER database such that fraudulent activities associated with the gift card and/or items linked to the gift card may be tracked and/or identified—even potentially long after the gift card has been initially provided. | 2012-03-29 |
| 20120078740 | PORTABLE TERMINAL AND ITS PROGRAMS, SETTLEMENT APPARATUS, AND MERCHANDISING INFORMATION PROVIDING APPARATUS - On receiving simplified settlement data generated form settlement data and ID data for downloading electronic-receipt data from an electronic-receipt server, both from a settlement-processing apparatus, a portable terminal records the simplified settlement data in association with the ID data. The display unit of the portable terminal displays the simplified settlement data thus recorded. The portable terminal downloads electronic-receipt data from the electronic-receipt server by using the ID data recorded in association with the simplified settlement data, when the input unit is operated, thereby commanding that the electronic receipt related to the simplified settlement data displayed by the display unit should be downloaded. The electronic-receipt data is recorded in the electronic-receipt recording unit. The display unit displays the electronic receipt on the basis the electronic-receipt data recorded in the electronic-receipt recording unit. | 2012-03-29 |
| 20120078741 | FUEL DISPENSER - A fuel dispenser comprises fuel dispensing apparatus mounted within a housing and a nozzle for dispensing fuel. The fuel dispensing apparatus includes control electronics and at least one touch display mounted in the housing and operatively coupled to the control electronics. The touch display is configured to allow a user to make selections for conducting a transaction. A camera or other suitable proximity detector is configured to detect the presence of a user and whether the user exceeds a height threshold without the user physically touching the fuel dispenser. In response to detecting the presence of the user, the fuel dispenser control electronics activates the display so that instructions are presented to the user in a first orientation or a second orientation depending on whether the user's height exceeds the threshold. | 2012-03-29 |
| 20120078742 | System and method for generating leads for the sale of goods and services - A system and method for facilitating the collection and processing of sales referral information from any individual other than the actual buyer, but possessing specific intelligence pertaining to the imminent purchase of at least one of a good or a service, and a name and contact information of a buyer, a scope of work, and current vendor identification. The buyer is capable of accessing and amending the anonymously submitted information and receiving useful intelligence about potential vendors and products prior to contact. The vendors are capable of accessing one or more referrals to review the scope of work prior to purchasing the remaining information as originally submitted, or the buyer-amended information, with the identity of the lead source remaining anonymous to both the buyer and the vendor. Current vendors of the buyer may be notified in the event that the buyer is seeking a competitive quote. | 2012-03-29 |
| 20120078743 | System and Method for Coordinating Transport of Cargo - A marketplace may be provided to allow posting of transport jobs and bidding on various aspects of the transport jobs. For example, a carrier may bid on transportation of cargo while fuel providers may bid on the fuel provision. In some arrangements, the carriers may solicit bids for a fueling portion of a transport job that they wish to bid on, have already bid on or have won. Transport may correspond to the physical conveyance of cargo from origin to destination and may include vehicle costs, driver costs, carrier fees and the like. Fuel costs may refer to the cost of fuel and/or pumping fees. A system may automatically generate suggested routes for transport and determine a projected amount of fuel needed for the trip. Additionally, the system may automatically identify potential or projected refueling locations and select refueling stations or providers based thereon. | 2012-03-29 |
| 20120078744 | Method for Sale of Goods and Services Over a Wide Area Network - A system for an online auction for bidders wishing to purchase offered products over a wide area network such as the Internet. Using a graphic interface bidders are continuously provided views of offered products and services using a graphically actuated electronic means for input of buyers bids. Bidders are allowed to place bids for the product or service during a finite period of time known only to the seller whereby the last bidder to have input a bid, at the termination point for the time period wins. Optionally, winning bidders, and in certain instances, losing bidders, may re-list an item won and attempt to resell it at a potential profit. | 2012-03-29 |
| 20120078745 | METHODS AND APPARATUS FOR APPLYING BIDS USED IN A PRIMARY AUCTION TO A SECONDARY AUCTION - In some embodiments, a non-transitory processor readable-medium stores code representing instructions to cause a processor to receive, before a time period, a first signal indicating that a first user has purchased a set of primary bids. Each primary bid from the set of primary bids has a price. The code further represents instructions to cause the processor to receive, within the time period, a set of second signals. Each signal from the set of second signals indicates that the first user has used a primary bid from the set of primary bids to bid on an item in a primary auction. The code represents instructions to cause the processor to award, after the time period, the first user at least one secondary bid based on a second user being awarded the item in the primary auction. | 2012-03-29 |
| 20120078746 | SYSTEMS AND METHODS FOR DISCOVERY OF RELATED INTERACTABLE ITEMS IN A MOBILE STORE ENVIRONMENT - Methods and apparatus for providing interactable item suggestions may include selecting a seed interactable item and determining a first set of one or more interactable items related to the seed interactable item based on one or more data sources. The methods and apparatus may further include generating a graphical presentation with a first set of interactable items with the seed interactable item and the one or more related interactable items. The methods and apparatus may also include generating a new graphical presentation of a second set of one or more interactable items related to a selected interactable item. | 2012-03-29 |
| 20120078747 | RECOMMENDATION SYSTEM CAPABLE OF ADAPTING TO USER FEEDBACK - A recommendation system uses feedback from users on specific item recommendations to assess the quality of the recommendation rules used to generate such recommendations. The feedback may be explicit (e.g., a user rates a particular recommended item), implicit (e.g., a user purchases a recommended item), or both. The system may use these assessments to modify the degree to which particular recommendation rules are used to generate recommendations. For instance, if a particular recommendation rule leads to negative feedback relatively frequently, the system reduce or terminate its reliance on the rule. In some embodiments, the system may also increase its reliance on recommendation rules that tend to produce positive feedback. | 2012-03-29 |
| 20120078748 | Computer Based Procurement System and Method - Computer based procurement system and method. The method comprises receiving search input for item to be purchased and searching one or more electronic catalogs to identify at least one item in the one more catalogs that relates to the search input. The method also comprises determining a uniform taxonomy code (UTC) associated with the at least one item and accessing one or more pre-configured purchasing control rules associated with the UTC. Moreover, the method comprises performing action associated with purchase order generation based at least upon the one or more pre-configured purchasing control rules. | 2012-03-29 |
| 20120078749 | IDENTIFIER-BASED CHARGE ON DELIVERY TRANSACTION - Guaranteed funds from a buyer are held until a delivery to the buyer is confirmed by a payment provider. The funds are then released to the seller immediately upon confirmation. Confirmation may be accomplished by the buyer entering an identifier upon delivery or some other confirmation by the shipper, where the identifier was provided to the buyer during the transaction with the seller. In other embodiments, the identifier generated by the payment provider is provided partially to the buyer and partially to the seller. Upon receiving a match of the identifier from the buyer and seller on delivery, buyer funds are released to the seller. | 2012-03-29 |
| 20120078750 | Method and system for purchasing goods and services for a group of individuals through a communication network - Allowing users to organize financial resources, it is one object of the present invention to provide a ticket vending and purchasing system for preventing illegal activities, such as ticket scalping, and for ensuring the price determiner is able to exercise their right to setting the price for events. A group purchasing method and system using the Internet is provided. Members of a group register for an event and provide a method of individual payment. A following permission to allow purchase by a system defined agent allows a single agent to purchase the group package for all registered members. The system uses each person's payment information and not only a single user's. | 2012-03-29 |
| 20120078751 | Mobile device point of sale transaction system - A system and method for a more convenient and secure purchase transaction system using a mobile device associated with a user and a COIN financial instrument that is used as a payment instrument between the user and the merchant. The user and the merchant each sign up with the COINS payment transaction system to transmit and use the COIN to transfer a financial payment from an account the user has established with the COIN system to the account of the merchant. The COIN financial instrument is a one-time use financial construct that includes two or more validation and authentication data points, and that is renewed after each transaction with a new, never used COIN financial instrument. | 2012-03-29 |
| 20120078752 | TRANSACTION IDENTIFIED HANDLING SYSTEM - The present invention relates to methods, a transaction router ( | 2012-03-29 |
| 20120078753 | Business Transaction Network System - A network business transaction system includes a foreground system and a background system. The foreground system has an order module. The background system has a commodity management module for sellers to share their own commodities with other sellers for consignment sale, and to share commodities of the other sellers in their own online stores for selling as agent for buyers to shop and purchase. When the commodity is owned by the seller, the commodity management module notifies the seller for account processing and commodity delivery processing. When the commodity is a commodity for consignment sale, the commodity management module notifies the original seller of the commodity who owned the commodity for account processing and commodity delivery processing. Therefore, each seller in the system can determine whether its commodities are willing to share with other sellers for consignment sale to ensure better product circulation. | 2012-03-29 |
| 20120078754 | Query Analysis for Geographic-Based Listing Service - A unique system and method facilitates analyzes searches or queries that are geographic based. In particular, a user can submit a geo-tag based search for items posted on a listing service according to the item's location or geo-tag information. The geo-tag information for each item can be approximate such as the city, state, or zip code or more specific such as the street address where the item is located. The amount of geo-tag information disclosed to any other user can depend on the type of item being offered. Geo-tag information is analyzed to facilitate determining item matches. In addition, users that post items can employ query results to analyze the quality of their items such as from the buyer's perspective. | 2012-03-29 |
| 20120078755 | METHOD AND SYSTEM FOR ASSISTING USERS DURING ONLINE SHOPPING - A method, system, and computer program product for assisting a user in one or more activities during online shopping. The method facilitates tracking of at least one activity of the user during online shopping. Thereafter, the method identifies a suitable promotion for the user based on the tracked activity. Subsequently, the method displays the promotion in a predefined format on a portion of the browser. | 2012-03-29 |
| 20120078756 | INFORMATION PROCESSING APPARATUS, STORAGE MEDIUM, INFORMATION PROCESSING METHOD, AND INFORMATION PROCESSING SYSTEM - Provided are application execution means for executing one or more application programs, and metadata accumulation and storage means for accumulating and storing, into a metadata storage section, metadata corresponding to the one or more application programs when the application programs have been executed or become executable. The application execution means executes the one or more application programs which use the metadata stored in the metadata storage section. | 2012-03-29 |
| 20120078757 | Portable Computing Device for Posting Goods to an Electronic Marketplace - A method and apparatus for creating a computerized market for used and collectible goods by use of a plurality of low cost posting terminals and a market maker computer in a legal framework that establishes a bailee relationship and consignment contract with a purchaser of a good at the market maker computer that allows the purchaser to change the price of the good once the purchaser has purchased the good thereby to allow the purchaser to speculate on the price of collectibles in an electronic market for used goods while assuring the safe and trusted physical possession of a good with a vetted bailee. | 2012-03-29 |
| 20120078758 | BEHAVIOR EXCHANGE SYSTEM AND METHOD OF USE - An exchange system and method for exchanging positive behavior for items of monetary or social value. The exchange system uses databases that allow automated positive behavior point deposits to be uploaded into individual participant accounts and an interface that allows registered participants to see the value of the behavior points earned and deposited in individual accounts. The system uses an automated inventory management system of items for youth acquisition, an interactive interface displaying items available to participating youth and means of acquisition. The exchange system processes youth value exchange requests directly from the interface and maintains accounting of the transaction. | 2012-03-29 |
| 20120078759 | CALL CENTER INTEGRATED PRINTING DEVICE CONSUMABLE CABINET DEVICE SERVICE - A system and method for tracking, controlling, and replenishing consumption of at least one consumable item in a printing system are disclosed. The system includes a first network and a printing device coupled to the first network. A cabinet device coupled to the first network stores and controllably dispenses the at least one consumable item. | 2012-03-29 |
| 20120078760 | Accounting System for Automated Transaction Apparatuses - An accounting system for a plurality of automated transaction apparatuses includes a first control unit electrically connected to a computer. A first transmission unit is electrically connected to the first control unit. A second control unit is electrically connected to each automated transaction apparatus. A second transmission unit is electrically connected to each second control unit. Control commands generated by the first control unit are sent to the second transmission units via the first transmission unit. Each second control unit receives one of the control commands and reads the transaction data of one of the automated transaction apparatuses. Each second transmission unit transmits the transaction data of one of the automated transaction apparatuses to the first transmission unit. The first control unit reads the transaction data transmitted to the first transmission unit and sends the transaction data to the computer to proceed with accounting process and to output accounts data. | 2012-03-29 |
| 20120078761 | Single Audit Tool - Systems and techniques are disclosed for planning and performing an audit. The systems and techniques determine whether a Single Audit or a program-specific audit is to be performed for an entity, and automatically select one or more compliance procedures that are to be used during the auditing process. | 2012-03-29 |
| 20120078762 | Method for Providing Donations to Third Parties During a Financial Transaction and Tracking the Details of the Financial Transactions For Donation Contributors and Recipients - A method for embedding a socially conscious donation, contribution, payment into a transaction at the point of sale or purchase using any payment platform that accepts, debit, credit, cash, financing, donations, contributions, financial service transactions, etc. and facilitates, separates, and keeps track of the process and the transaction, including the giveback. The system and method also handles contributions to any beneficiary which could be the person making the purchase or sale or barter. The system and method utilizes a human key to make and take requests, record payments, take and certify payments between a user or plurality of users, a merchant/business, and a charity of designated beneficiary. Whereby a set amount by the parties, user, purchaser, seller, and beneficiary can be used for a donation, contribution, or payment to a beneficiary determined at the point of sale, purchase, or barter. | 2012-03-29 |
| 20120078763 | User Feedback in Semi-Automatic Question Answering Systems - A system applies rules to a set of documents to generate codes, such as billing codes for use in medical billing. A human operator provides input specifying whether the generated codes are correct. Based on the input from the human operator, the system attempts to identify which clause(s) in the rules which were relied on to generate the particular code are correct and which such clause(s) are incorrect. The system then assigns praise to components of the system responsible for generating codes in the correct clauses, and assigns blame to components of the system responsible for generating codes in the incorrect clauses. Such blame and praise may then be used to determine whether particular code-generating components are insufficiently reliable. The system may disable, or take other remedial action in response to, insufficiently reliable code-generating components. | 2012-03-29 |
| 20120078764 | Automatic Identification Of Bill-Pay Clients - A system and method of automatically identifying bill-pay clients eligible for an electronic bill-pay transaction with a customer of a financial institution is presented. The system and method may include identifying, by a bill-pay identification system associated with the financial institution, one or more customers eligible for electronic bill-pay and data associated with the one or more customers, such as a location of the customer, demographic information, home address of the customer, and the like. One or more bill-pay clients may be automatically identified based on bill-pay client being within a predefined distance of the location or address of the customer, a bill-pay relationship with another customer of the financial institution within the predefined distance, received demographic information, etc. In some arrangements, automatic setup of bill-pay transactions between the customer and the identified bill-pay client may be offered to the customer. | 2012-03-29 |
| 20120078765 | Instant Financial Account Verification Using Direct Connect Data Communication Protocol And Open Financial Exchange Data-Stream Format - A method for verifying a user's account, e.g., a checking account, at a financial institution, e.g., a bank, includes establishing a direct connection with the bank's account data server over a network, e.g., the Internet, using the Direct Connect peer-to-peer (P2P) file-sharing protocol and the Open Financial Exchange (OFX) data-stream format, sending a request to the account data server for a data file including data that verifies at least the existence and ownership of the user's account, and receiving a response from the account data server of a data file that includes data verifying at least the existence and ownership of the user's account at the financial institution. | 2012-03-29 |
| 20120078766 | SYSTEMS AND METHODS FOR CUSTOMER VALUE OPTIMIZATION INVOLVING PRODUCT/SERVICE OPTIMIZATION - Systems and methods can provide for customer value optimization. The customer value optimization can include analyzing certain transaction and/or non-transaction data of customers with one or more predictive models to determine predictive modeling scores, values, or indicators. These one or more predictive modeling scores, values, or indicators can be used with other transaction or non-transaction data of customers, either alone or with other derived values/calculations, to provide certain optimizations relating to product/service optimization. | 2012-03-29 |
| 20120078767 | STAKEHOLDER COLLABORATION - A technique for improving collaboration between relevant parties in a commercial transaction involves sending a timely alert to stakeholders with regard to a presumably fraudulent transaction. A system constructed in accordance with techniques described in this paper can integrate multiple stakeholders and service providers. The system can facilitate alerting stakeholders of a presumably fraudulent transaction and/or enabling stakeholders to alert other stakeholders. | 2012-03-29 |
| 20120078768 | METHOD AND SYSTEM FOR MANAGING COMMODITY TRANSACTIONS - The present invention relates to a web based system for handling commodity transactions. The system is an electronic system, and allows for the central filing, storage, issuance, maintenance, cancellation and other actions associated with electronic warehouse receipts, electronic price later credit sales contracts and electronic reports, including status and position reports. | 2012-03-29 |
| 20120078769 | METHOD, AGENT AND COMPUTER PROGRAM PRODUCT FOR STRATEGY SELECTION IN AUTONOMOUS TRADING AGENTS - In a method of strategy selection trading in autonomous trading agents, a plurality of information is perceived regarding characteristics of an autonomous trading agent, the plurality of information is transmitted and interpreted using a plurality of agent policies, a set of acceptable trading strategies is obtained and the acceptable trading strategies are further evaluated via a utility function, and an action within the utility function is executed and bids to be traded by the autonomous trading agents on a market are sent. | 2012-03-29 |
| 20120078770 | METHOD FOR VALUING FORWARDS, FUTURES AND OPTIONS ON REAL ESTATE - A system and method for matching buy and sell orders is provided. A daily cash index of real estate values for a local region is maintained and a trading instrument representative of an interest in real estate in the local region is created. In this regard, a cash settlement of the trading instrument is a function of the daily cash index on the date of said cash settlement. In addition, a plurality of buy orders relating to the instrument are generated; a plurality of sell orders relating to the instrument are generated; and the buy and sell orders are matched to determine a purchase and sale of the instrument. | 2012-03-29 |
| 20120078771 | Systems, Methods, and Apparatus for Creating and Trading Hybrid Derivative Financial Instruments - Computer systems, methods, and exchanges for generating and trading novel investment products (“Vχlshares”) are described. In some embodiments, the computer system comprises a computer-readable storage medium including data encoding a value for the Vχlshare based on an underlying. The computer-readable storage medium further includes data encoding an expiration date for the Vχlshare. The computer-readable storage medium of the computer further includes data encoding a price for trading the Vχlshare, the price for trading being a function of the underlying. The computer-readable storage medium also includes data encoding an alpha-numeric symbol for the Vχlshare. The computer is configured to enable execution of trades of the Vχlshare on a platform, such as options platform, an OTC platform, or a platform especially designed for the trading of Vχlshares, on which shares of fully collateralized instruments are traded. | 2012-03-29 |
| 20120078772 | APPARATUSES, METHODS AND SYSTEMS FOR A DYNAMIC TRANSACTION MANAGEMENT AND CLEARING ENGINE - A Dynamic Transaction Management and Clearing Engine that transforms various data inputs into transaction processing outputs. Contract purchase details, including position volume and purchase volume, for a plurality of contract purchases, each contract having a specified term and trading on an exchange, may be recorded. Short position delivery intents may be received from exchange members having short positions. An instrument nomination specifying a financial instrument to be delivered by a respective associated exchange member may be received for each short position delivery intent. Received short position delivery intents may be aggregated, and a pool of long positions that will take delivery of short positions associated with the aggregated short position delivery intents may be determined. A delivered positions record comprising details for the short positions associated with the aggregated short position delivery intents and the pool of long positions that will take delivery may be generated. | 2012-03-29 |
| 20120078773 | Method and System for Calculating an Intraday Indicative Value of Leveraged Bullish and Bearish Exchange Traded Funds - A computer implemented method, system, and software for calculating and using an intraday indicative value of a leveraged Bullish or Bearish exchange traded fund (“ETF”) for arbitrage purposes, includes calculating an intraday current value of all the equity securities in the ETF (applicable only to Bullish ETFs), calculating mark to market gains or losses of at least one derivative product, and retrieving an accumulated loss or gain of the at least one derivative product and other cash equivalent amounts. The intraday indicative value of the ETF is determined by combining the calculated intraday current value of all the equity securities (applicable only to Bullish ETFs), the accumulated loss or gain, the mark to market gains of the at least one derivative product and other cash equivalent amounts. The determined intraday value of the ETF is used, by a party, for arbitrage purposes. | 2012-03-29 |
| 20120078774 | Method and System for Calculating an Intraday Indicative Value of Leveraged Bullish and Bearish Exchange Traded Funds - A computer implemented method, system, and software for calculating and using an intraday indicative value of a leveraged Bullish or Bearish exchange traded fund (“ETF”) for arbitrage purposes, includes calculating an intraday current value of all the equity securities in the ETF (applicable only to Bullish ETFs), calculating mark to market gains or losses of at least one derivative product, and retrieving an accumulated loss or gain of the at least one derivative product and other cash equivalent amounts. The intraday indicative value of the ETF is determined by combining the calculated intraday current value of all the equity securities (applicable only to Bullish ETFs), the accumulated loss or gain, the mark to market gains of the at least one derivative product and other cash equivalent amounts. The determined intraday value of the ETF is used, by a party, for arbitrage purposes. | 2012-03-29 |
| 20120078775 | Electronic call auction trading system and method - A computer-implemented method for initiating a call action trade including the steps of providing at least one user trade request to a computer system and sending out third party trade invitations from the computer system contingent upon the user trade request seeking to find liquidity for the trade request. It further includes the facilitating in the computer system an electronic trade auction between a third party having liquidity and the user for the user trade request. | 2012-03-29 |
| 20120078776 | CONVERTING A TRADE TRANSACTION AGREEMENT INTO ALLOWABLE STRUCTURED PROJECTS - A trade transaction agreement, defined as a basket, of one or more structured products, may be converted into one or more structured products. Trade information that represents the trade transaction agreement may be initially provided or specified in various forms, to subsequently be analyzed to construct the trade transaction agreement into its corresponding structured products. The structured products are suitable for submission to post-trade processing facilities for subsequent processing thereof and are accordingly submitted. The structured products may be submitted to a variety of post-trade processing facilities, or one post-trade processing facility may be utilized. | 2012-03-29 |
| 20120078777 | Live Alerts - Systems and methods for monitoring the trading of financial instruments are provided. Trading messages are received at a live alert server. The messages are analyzed with a set of predetermined limits and rules. When a predetermined limit or rule is violated, an email message is sent to a regulator or other trading entity. The email message may include a hyperlink that may be selected to generate a real-time report relating to the limit or rule. When hyperlink is selected, a query is sent to a query server where the real-time report is generated and transmitted back to the requesting party. | 2012-03-29 |
| 20120078778 | SYSTEM, METHOD AND COMPUTER PROGRAM STORAGE DEVICE FOR DETECTING SHORT SALE FRAUD - A short sale monitoring system, method and computer program product assist in identifying potential fraudulent activity associated with short sale real estate transactions. A processing circuit receives property identification information for a property, a short sale notification regarding a short sale of the property, and a short sale price. The processing circuit then queries a database of loan records to identify a corresponding loan application for the property. The loan application is at least one of a pending loan application and a closed loan application for the property. The processing circuit then generates a notice when (1) the short sale price is less than a predetermined amount with respect to a price included in the loan application, and (2) a date of the loan application is within a predetermined time of a closing date of the short sale. | 2012-03-29 |
| 20120078779 | Real Estate Financing System and Method - A method for facilitating and reducing the risk for both the homebuyer and the investor providing the funds for the purchase of a home includes requiring that the homebuyer execute a non-recourse finance agreement agreement at the time of the purchase of the home. The purchase of the purchase will also include a non-recourse forfeiture agreement by which the homeowner or the investor providing the funds for the purchase of the home may enable the purchase of the home from the homeowner by the investor providing the funds for the purchase of the home. | 2012-03-29 |
| 20120078780 | TRANSACTIONAL SAVINGS AND INVESTMENTS - A method of transactional savings is described. First and second portions of a total amount associated with a transaction may be identified. The first portion and the second portion may be different monetary funds of the total amount of monetary funds. A first account of a customer associated with an entity may be determined, and an amount of debt of monetary funds of the first account may be determined. The first portion of the total amount of monetary funds may be applied against the amount of debt of the first account, and the second portion may be maintained in a second account of the customer. Occurrence data representative of an occurrence of a triggering event associated with a transactional savings program of the entity may be received, and an amount of the second account to permit access to by the customer may be determined based upon the occurrence data. | 2012-03-29 |
| 20120078781 | Automatic Bill-Pay Setup - A system and method of automatically setting up bill-pay transactions between a customer of a financial institution and a bill-pay client is presented. The system and method may include identifying, by a bill-pay system associated with the financial institution, one or more customers eligible for automatic bill-pay set up and one or more bill-pay clients. Upon acceptance of an offer to the customer to automatically setup bill-pay, bill-pay transaction data may be received at a bill-pay system and may be used to set up one or more bill-pay transactions between the customer and the bill-pay client. | 2012-03-29 |
| 20120078782 | METHOD AND SYSTEM TO PROCESS PAYMENT USING URL SHORTENING AND/OR QR CODES - Provided is a method and system for payment processing, including emailing a billing statement to a payer by a biller, the billing statement including an online payment hyperlink having a shortened URL personalized for the payer and a token uniquely identifying the payer. The payer may select the online payment hyperlink, at which point they are presented with the biller's online payment form without the payer logging in or preregistering. The online payment form includes data fields pre-populated with available payer information derived from the personalized shortened URL and token, which may be reviewed, completed and/or corrected by the payer and sent to a secure payment form server. Also provided is the use of Quick response (QR) codes incorporating the shortened URL in a printed format, particularly for use with a mobile communication device. | 2012-03-29 |
| 20120078783 | METHOD, APPARATUS, AND SYSTEM FOR ENABLING PURCHASER TO DIRECT PAYMENT APPROVAL, SETTLEMENT, AND MEMBERSHIP SUBSCRIPTION USING MOBILE COMMUNICATION TERMINAL - The present invention relates to a payment system using a mobile communication terminal, and includes a transceiver having a dummy function, a purchaser mobile communication terminal, and a gateway. The transceiver having a dummy function transmits purchase information and merchant information, which are received from a POS system or a reader, in a Near Field Communication (NFC) manner. The purchaser mobile communication terminal performs user authentication, and transmits card information either selected by the purchaser or set depending on priorities, and the purchase information and the merchant information that are received from the transceiver. The gateway transmits the card information received from the purchaser mobile communication terminal to a card company server, receives payment approval from the card company server, and transmits the payment approval to the purchaser mobile communication terminal, the POS system or the reader. | 2012-03-29 |
| 20120078784 | AVAILABLE BALANCE ENHANCEMENT - In some embodiments of the present invention, a method is provided that includes: (a) receiving information associated with a first transaction, where the first transaction involves a deposit account; (b) receiving information associated with a second transaction, where the second transaction involves the deposit account; (c) determining, based at least partially on the information associated with the first transaction, that an available balance associated with the deposit account is based at least partially on the first transaction; (d) determining, based at least partially on the information associated with the second transaction, that the available balance is not based on the second transaction; (e) posting first information to an online banking account, where the online banking account is associated with the deposit account, and where the first information indicates that the available balance is based at least partially on the first transaction; and (f) posting second information to the online banking account, where the second information indicates that the available balance is not based on the second transaction. | 2012-03-29 |
| 20120078785 | ESTIMATED BALANCE - Some embodiments of the present invention provide a method that includes: (a) receiving information associated with a deposit account; (b) determining, based at least partially on the information associated with the deposit account, an available balance associated with the deposit account; (c) determining, based at least partially on the information associated with the deposit account, a second amount associated with the deposit account; (d) determining, based at least partially on the available balance and the second amount, an estimated balance associated with the deposit account; and (e) posting the estimated balance to an online banking account, where the online banking account is associated with the deposit account. | 2012-03-29 |
| 20120078786 | DEPOSIT TRANSACTION-LEVEL INFORMATION - Some embodiments of the present invention provide a method that includes: (a) receiving information associated with a deposit transaction, where the deposit transaction involves a deposit account, and where the deposit transaction includes a total deposit amount; (b) determining, based at least partially on the information associated with the deposit transaction, that a first amount of the total deposit amount is immediately available; (c) determining, based at least partially on the information associated with the deposit transaction, that a second amount of the total deposit amount is not immediately available, (d) posting first information to an online banking account, where the online banking account is associated with the deposit account, and where the first information indicates that the first amount is immediately available; and (e) posting second information to the online banking account, where the second information indicates that the second amount is not immediately available. | 2012-03-29 |
| 20120078787 | Mobile Agent Methods and Systems - Methods and systems are described for providing financial services to a disaster area. Biographical information may be received from a disaster victim. A first image may be captured of the disaster victim's face. The first image of the disaster victim's face and the biographical information may be transmitted to a remote server system via wireless communications. The biographical information may be compared to a plurality of biographical records linked to staged financial transactions stored at the remote server system. A match between the biographical information received from the disaster victim and a biographical record of the plurality of biographical records may be identified, wherein the biographical record is linked to a staged financial transaction. An indication of an amount of funds to be distributed may be provided to the disaster victim. The funds may be provided to the disaster victim. | 2012-03-29 |
| 20120078788 | TRANSACTIONS BY FLICKING - A user can transfer items, such as a money, a payment request, virtual goods, listings, etc., by flicking the item on a user device, such as a smart phone. The selected item then moves out of the display and onto the display of a recipient device. The transfer can be completed when the user and recipient have an established trust relationship or authorize the transfer. | 2012-03-29 |
| 20120078789 | OFFLINE TO ONLINE PAYMENT - A payer submits a payment request when there has been no connection established with an online payment provider. The payment request is stored on the payer's device, such as a phone, and is transmitted to the payment provider when a connection is established. The payer can submit a plurality of offline payment requests, all of which can be transmitted and processed when received by the payment provider. | 2012-03-29 |
| 20120078790 | REAL-TIME INTERCHANGE FEE ESTIMATION - Few merchants are in a position to understand how changes to processes or procedures may alter the issuer risk and/or subsequent transaction processing costs. Merchants would prefer to be provided with estimated Interchange fees associated with a financial transaction in real-time. To provide a merchant with an estimated Interchange fee in real-time, a financial transaction request may be received from the merchant and used to determine the estimated Interchange fee. The estimated Interchange fee may then be transmitted to a merchant in real-time. The estimated Interchange fee may be representative of an actual Interchange fee associated with a financial transaction. Estimated Interchange fees may be provided as part of an authorization or settlement processing method. | 2012-03-29 |
| 20120078791 | METHOD AND SYSTEM FOR FACILITATING PAYMENT TRANSACTIONS USING ACCESS DEVICES - A payment system for facilitating a payment transaction between a payer and a payee is disclosed. The payment system includes a payer access device, a payee access device, and a services hub. The services hub is configured to communicate with the payer device and the payee device; maintain information relating to a payer account and access device information associated with the payer account, the payer account being linked to the access device; generate a tracer ticket in response to a request issued by the payer using either the payer device or the payee device, the tracer ticket containing information relating to the payment transaction; validate the access devices; and authorize the payment transaction against the payer account through conventional payment processing systems. Upon receiving the request from the payee device for the tracer ticket, the services hub generates the tracer ticket and forwards a copy thereof to the payer via the payee device. Upon receiving the copy of the tracer ticket, the payer uses the payer device to communicate with the services hub and forward the received copy of the tracer ticket to the services hub. The services hub then validates the payer device based on the access device information. Upon validation of the payer device, the services hub checks the copy of the tracer ticket forwarded by the access device against the previously generated tracer ticket. If the copy of the tracer ticket forwarded by the access device corresponds to the previously generated tracer ticket, the services hub authorizes the payment transaction against the payer account. | 2012-03-29 |
| 20120078792 | Method and System for Secure Mobile Remittance - This invention provides a system and method for reducing the fraud related to remittance transactions initiated at web portals. In one embodiment, mobile technologies that are available to consumers can be used to reduce fraud associated with remittance transactions. For example, a funding agency computer that enables a remittance transaction can request that a mobile platform computer verify a customer with a mobile personal identifier. The mobile platform computer can request the mobile personal identifier from a customer via the customer's mobile handset device. The mobile platform computer can determine whether the identifier received from the customer's mobile handset device matches the mobile personal identifier stored for the customer. If the mobile platform computer is able to verify the customer, the mobile platform computer can provide a verification confirmation message to the funding agency computer. | 2012-03-29 |
| 20120078793 | FINANCIAL INSTRUMENT HAVING LOAN PROCEEDS AND PRE-PAID CHARACTERISTICS - Financial methods and systems for using a financial instrument are disclosed. A financial account includes both a loan balance portion and a pre-paid cash balance portion. The loan balance portion and the pre-paid cash balance portion are used in performing a purchase transaction. The purchase transaction is initiated by the account holder using the financial instrument. A prioritization scheme is selected that indicates an order of priority of the loan balance portion and the pre-paid cash balance portion of a financial account. A purchase amount is applied to the financial account according to the prioritization scheme. A transaction fee is not charged by the financial institution when any portion of the loan balance portion is applied to the purchase amount. And, a transaction fee is charged by the financial institution when no portion of the loan balance portion is applied to the purchase amount. | 2012-03-29 |
| 20120078794 | System and Method for Delivering Financial Services - A delivery system and method allow a financial institution to provide financial services to a plurality of remote devices. The system is comprised of a set of re-usable global components which are modular and are organized into services sets. The system and method operate in sessions and, for instance, employ a dialog component for gathering information from a customer, a rule broker component for providing answers to the various legal and regulatory rules in a particular country, a language man component for selecting appropriate language, a transaction executor component for performing transactions, and a presentation manager component for formatting outputs to the customer. The system and method provide state-of-the art interfaces that can be configured and delivered to the customer in a globally consistent format that is based on the customer's account profile, various languages, various currencies, different legal regulatory requirements, as well as, different sets of business products. | 2012-03-29 |
| 20120078795 | SYSTEM FOR PROVIDING CARDLESS PAYMENT - The method and system of the invention provide a variety of techniques for using a selected alias and a selected personal identification entry (PIE) in conjunction with use of a transaction card, such as a credit card, debit card or stored value card, for example. A suitable number or other identification parameter is selected by the account-holder as an alias. The account-holder is then required to choose a PIE for security purposes. The alias is linked to the account-holder's credit card number via a database. When the account-holder enters into a transaction with a merchant, the physical card need not be present. The account-holder simply provides his or her alias and then the PIE. This can be done at any point of sale such as a store, catalog telephone order, or over the Internet. The alias and PIE are entered and authorization is returned from the credit card company. | 2012-03-29 |
| 20120078796 | SYSTEM AND METHOD FOR PAYMENT FOR BUSINESS REPLY MAIL - A business reply mail payment system and method is provided. A business reply mail payment system establishes a master account with the postal system for the payment of business reply mail. A plurality of mailers each establish a separate account with the payment system and transfer control of payment for business reply mail accepted under their respective permit imprints to the payment system. When the mailer will be receiving business reply mail, a request for payment of postage is made to the payment system, which processes the information related to the business reply mail. The post office acceptance site communicates with the payment system as the business reply mail is received and compares the received business reply mail with the information processed by the payment system to determine if it should be accepted or rejected. If the business reply mail is accepted, the master account is debited for payment. | 2012-03-29 |
| 20120078797 | METHOD FOR PROVIDING PROTECTED AUDIO/VIDEO CONTENT - A method for providing protected content, wherein content usage rights information and/or usage state information is embedded into obtained primary data that serves as a basis for a content item to be provided thereby providing the primary data with the embedded content usage rights information and/or usage state information as the content item. | 2012-03-29 |
| 20120078798 | SYSTEMS AND METHODS FOR TRANSMITTING FINANCIAL ACCOUNT INFORMATION - Described herein are methods and systems for securely transmitting information, including financial account information. An irreversibly encrypted account number can be transmitted to a processing party as part of a transmission packet. The processing party can extract other information from the transmission packet to determine one or more registered account numbers that may match the irreversibly encrypted account number. Using the same encryption algorithm used to create the transmission packet, the processing party can create a verification packet by encrypting the one or more registered account numbers and determine if the verification packet matches the transmission packet. As a result, financial account information can be transmitted in such a way that it cannot be intercepted and then used to perform an unauthorized transaction. | 2012-03-29 |
| 20120078799 | SECURE PAYMENT SERVICE AND SYSTEM FOR INTERACTIVE VOICE RESPONSE (IVR) SYSTEMS - A secure payment method includes receiving, at a computer of a payment service, a request from a requester for a one time use transaction identification token for a transaction. The one time use transaction identification token is provided from the payment service computer to the requester. The one time use transaction identification token is received at the payment service from a merchant communications apparatus under the control of a merchant. Electronic payment information for the transaction is issued from the payment service to the merchant upon validating the one time use transaction identification token. | 2012-03-29 |
| 20120078800 | METHOD FOR SECURE TRANSACTIONS - The present invention relates to a method for a secure transaction wherein a buying part of the secure transaction utilizes a portable radio communication device ( | 2012-03-29 |
| 20120078801 | SINGLE AUDIT TOOL - Systems and techniques are disclosed for planning and performing a Single Audit. The systems and techniques determine whether a Single Audit is to be performed for an entity, and automatically select or enable selection of compliance procedures that are to be used during the auditing process. | 2012-03-29 |
| 20120078802 | APPLYING BUSINESS PROCESSES TO COLLABORATION TOOLS - A computer implemented method for providing a business process in an online collaboration includes associating a business process model with the collaboration based on entries made by one or more participants. The business process model may include one or more business processes or process steps. The method may also include providing a graphical interface module to the collaboration participants associated with the business process, the graphical interface module configured to receive data from one or more participants of the collaboration. Data received from the participant interacting with the interface module may be processed in accordance with the process steps associated with the business process. Data received throughout the collaboration may be stored in a memory. | 2012-03-29 |
| 20120078803 | System, Method, And Computer Readable Media For Facilitating Employment Through The Exchange Of Job Openings And/Or Job Related Information Between Job Seekers - Embodiments disclosed herein provide system, method and computer readable media for facilitating job seekers to share job openings with other job seekers. One or more job openings from a first job seeker are received and displayed, and actions are received from a second job seeker for the one or more job openings related to the first job seeker. Also disclosed are dynamic groups which are groups of job seekers automatically created to assist with job searching. Additionally disclosed are people and/or entities interacting across various countries and states and job seekers being shown one or more ways to obtain a future type of job. Further, dynamic networks are disclosed where a networker and networkee are arrange based on a variety of criteria. | 2012-03-29 |
| 20120078804 | ELECTRONIC EMPLOYEE SELECTION SYSTEMS AND METHODS - An automated employee selection system can use a variety of techniques to provide information for assisting in selection of employees. For example, pre-hire and post-hire information can be collected electronically and used to build an artificial-intelligence based model. The model can then be used to predict a desired job performance criterion (e.g., tenure, number of accidents, sales level, or the like) for new applicants. A wide variety of features can be supported, such as electronic reporting. Pre-hire information identified as ineffective can be removed from a collected pre-hire information. For example, ineffective questions can be identified and removed from a job application. New items can be added and their effectiveness tested. As a result, a system can exhibit adaptive learning and maintain or increase effectiveness even under changing conditions. | 2012-03-29 |
| 20120078805 | Method and Apparatus for Foreign Trade and Export Control - A method and apparatus for export control includes providing input for an invoice to a computer device. The invoice is for a sale or potential sale of at least one of goods and services. A computer device determines whether at least one of a customer, location for receipt of goods, and location for receipt of services is associated with an embargo state. The computer device blocks any portion of the invoice determined to be associated with an embargo state. The computer device determines if the at least one of goods and services requires at least one export license or other permission for exporting the at least one of goods and services. The computer device assigns permissions that are available. The computer device also communicates or identifies any permission or export license that is needed to be requested to initiate a permission or export license request for that export license or permission. | 2012-03-29 |
| 20120078806 | METHOD AND APPARTUS FOR PERSONALIZED CONSUMER TO BUSINESS MATCHMAKING - A personalized consumer to business matchmaking apparatus and its related method correlate and quantify a personalized match between a business offering products or services to a searching consumer looking for the reviewed products or services. In one embodiment of the invention, the personalized consumer to business matchmaking is based on requirements, traits, and profiles of the business, the searching consumer, and business evaluators who have reviewed the business. Whereas conventional consumer reviews such as star-ratings merely give an average rating based on inputs from the business evaluators, the personalized consumer to business matchmaking apparatus and its related method generate a personalized match score based on individual traits, requirements, and profiles of the business, the searching consumer, and the business evaluators. | 2012-03-29 |
| 20120078807 | METHOD AND APPARTUS FOR PERSONALIZED CONSUMER TO BUSINESS MATCHMAKING - A personalized consumer to business matchmaking apparatus and its related method correlate and quantify a personalized match between a business offering products or services to a searching consumer looking for the reviewed products or services. In one embodiment of the invention, the personalized consumer to business matchmaking is based on requirements, traits, and profiles of the business, the searching consumer, and business evaluators who have reviewed the business. Whereas conventional consumer reviews such as star-ratings merely give an average rating based on inputs from the business evaluators, the personalized consumer to business matchmaking apparatus and its related method generate a personalized match score based on individual traits, requirements, and profiles of the business, the searching consumer, and the business evaluators. | 2012-03-29 |
| 20120078808 | PRESCRIPTIVE WELLBEING UTILIZING AN ENTERPRISE GRID - A system and method for implementing an enterprise grid to model the wellbeing of an enterprise. The system includes a system for creating models to form the enterprise grid, wherein a set of entity models are utilized to model entities within the enterprise and a set of organizational models are utilized to model organizational aspects of the enterprise, and wherein at least one class of entity models are utilized to model humans; a system for training models; a system for receiving an input from an entity within the enterprise and forwarding the input into an associated entity model; and a system for connecting models such that an output of a source model is only directed to a target model either at a same hierarchical level or at a parent level. | 2012-03-29 |
| 20120078809 | INTEGRATING SUB-PROCESSES IN BUSINESS PROCESS MODELING NOTATION PROCESSES - This disclosure provides various embodiments for modeling a first business process as a sub-process of a second business process, the first business process less than fully compatible with a particular business process management system. The first business process is compatible with a first system adapted to execute the first business process. The first business process is identified and a user input received requesting modeling of the first business process as a sub-process of the second business process. A modeled sub-process is generated including a reference to the first system, callable from the modeled sub-process, and an interface definition defining an interface between the modeled sub-process and the first system. A modeled interface between a model of the second business process and the modeled sub-process is generated defining inputs and outputs between first and second business processes. In some aspects, the modeled sub-process can be deployed in a runtime environment. | 2012-03-29 |
| 20120078810 | System and method to analyze current mutual funds and exchange traded funds for individuals and then provide automated potentially suitable trade suggestions by using website-databases cross-referencing and the internet - A system and method to analyze current mutual funds and exchange traded funds for individuals and then provide them automated suitable trade suggestions by using website-databases cross-referencing and the internet by recognizing and categorizing their current fund holdings and selecting a better replacement fund available on the current retail financial market, but only if it is potentially suitable and available to the investor. | 2012-03-29 |
| 20120078811 | REGIME-BASED ASSET ALLOCATION VIA ADAPTIVE RISK PREMIUM - A method for identifying a regime-based asset allocation via an adaptive risk premium (ARP) involves receiving a financial data; receiving financial parameters; generating an ARP; determining risk regimes; calculating an expected return and a covariance matrix of assets; calculating a number of calculated weights for each risk regime; determining a current risk regime; determining a number of asset weights of a current portfolio; adjusting the asset weights of the current portfolio to match the calculated weights for the current risk regime; calculating a momentum, volatility, and a correlation (MVC) for each of the asset classes of the current portfolio; ranking each asset class of the current portfolio; adjusting the first adjusted asset weights of the current portfolio; determining one of the second adjusted asset weights for the current portfolio; and generating an investment portfolio based on one of the second adjusted asset weights for the current portfolio. | 2012-03-29 |
| 20120078812 | System and method to analyze current portfolio holdings for individuals and then provide automated potentially suitable trade suggestions by using database cross-referencing, websites and internet - A system and method to analyze an individual's current portfolio of mutual funds, exchange traded funds, stocks and bonds by cross-referencing the holdings with open and proprietary databases and then to provide automated potentially suitable trade suggestions through website and the internet by categorizing and evaluating current holdings and selecting better replacement holdings available currently through retail financial markets with an emphasis on asset allocation theory, but only if the recommendation is potentially suitable and available to the investor. | 2012-03-29 |
| 20120078813 | SYSTEMS AND METHODS FOR CUSTOMER VALUE OPTIMIZATION INVOLVING RELATIONSHIP OPTIMIZATION - Systems and methods can provide for customer value optimization. The customer value optimization can include analyzing certain transaction and/or non-transaction data of customers with one or more predictive models to determine predictive modeling scores, values, or indicators. These one or more predictive modeling scores, values, or indicators can be used with other transaction or non-transaction data of customers, either alone or with other derived values/calculations, to provide certain optimizations relating to relationship optimization. | 2012-03-29 |
| 20120078814 | SYSTEM AND METHOD FOR FORECASTING REALIZED VOLATILITY VIA WAVELETS AND NON-LINEAR DYNAMICS - The system and method described herein may be used to forecast realized volatility via wavelets and non-linear dynamics. In particular, a volatility time series that includes daily volatility values associated with a security may be decomposed into wavelets via multi-resolution analysis and dynamical properties associated with the individual wavelets may be analyzed to identify deterministic and non-deterministic wavelets and produce a volatility forecast derived from a fit computed on the deterministic wavelets. For example, the wavelets may be analyzed to discover time delay, Theiler, and embedding dimension values associated therewith, which may be used to project volatility values associated with each wavelet. The projected volatility values associated with each wavelet may then be summed to produce a volatility forecast associated with the security. | 2012-03-29 |
| 20120078815 | SYSTEM AND METHOD FOR CREDIT ENHANCING A DEBT ISSUANCE AND CREATING A PRESENT VALUE INVESTABLE ARBITRAGE - The debt issuance of a company are credit enhanced via an investment platform wherein the company's issuances and investments are both subject to a master netting agreement between common counterparties, thereby creating a fully hedged transaction with an investible present value monetization of the future income stream for purposes of reinvesting. The Investment Platform comprises a proprietary Cross Settlement, Credit Enhancement, Risk-Mitigation and Netting System that has a hedged investment structure that automatically qualifies for credit enhancement wherein non-investment grade debt issuances can be transformed into investment grade debt issuances. The Investment Platform is powered by a proprietary investment algorithm and make-whole algorithm that matches movements in a selected benchmark rate or indices. It provides a matched supply of capital to reinvest as the core of the structure recycles the investment capital by a method of monetizing the future income stream, while simultaneously matching and hedging the investment. | 2012-03-29 |
| 20120078816 | COMPUTER SYSTEM FOR PROCESSING DATA RELATED TO RISKS ASSOCIATED WITH FINANCIAL INSTRUMENTS - The present invention provides a method and system for re-allocating financial risks. The system includes computer modules for assessing the behavior of a financial product by a financial institution, modeling the risks associated with providing the financial product by the financial institution, assessing the market risks associated with providing the financial product by a derivative counterparty and assuming, by the derivative counterparty, market risks associated with providing the financial product. | 2012-03-29 |
| 20120078817 | SYSTEM AND METHOD FOR UNIFORMLY PRICING ITEMS - A computer-assisted method for uniformly pricing chargeable items in a healthcare provider's chargeable item database is disclosed. The method applies uniform pricing to identical or related chargeable items. A system for uniformly pricing related chargeable items is also disclosed. | 2012-03-29 |
| 20120078818 | APPLIANCE COOPERATION OPERATION DEVICE - An appliance cooperation operation device in which a facility database stores an introduction cost of a power storage shared among a plurality of customers, and a rated life of the power storage; a facility deteriorating influence calculator calculates deteriorating influence on the power storage by using at least one parameter selected from a discharge rate of the power storage in a first period, depth of discharge at the end of the first period, and environmental temperature in the first period; a customer electric energy collector collects, from each of the customers, data of electric energy consumption in the first period; and a customer's burden cost calculator calculates a burden cost of each customer in the first period by multiplying: a ratio of energy consumption of each customer to total customer energy consumption; the introduction cost; a ratio of the first period to the rated life; and the deteriorating influence. | 2012-03-29 |
| 20120078819 | METHOD OF STANDARDIZATION OF INJECTALBE MEDICINES AND THEIR DILUENTS - “METHOD OF STANDARDIZATION OF INJECTABLE MEDICINES AND THEIR DILUENTS” is particularly intended to eliminate the possibility of confusion arising from the determination of said injectable medicines and their diluents in the general context of health care, such as hospitals, clinics and similar health-related facilities. The method is essentially intended to allow an injectable medicine to be administered following the correct definition of the appropriate diluent required by each product, said method comprising the standardization of a label ( | 2012-03-29 |
| 20120078820 | MIME Technology: Using EEG brainwave data obtained via a dry or wet sensor (wired or non-wired) device to direct or otherwise influence the outcome of any media file, including but not limited to a video, video advertisement or movie file. - A method, system and process using brainwave electro-encephalographic data from any sensor to direct or influence the outcome of any media file including but not limited to video, video advertisement or movie file sequences via a media player. It uses algorithm data based upon the brainwave readings and conveys them to a media player which refers to a text based computer-scripting language file to direct the outcome or sequence of scenes in a media file playable through various platforms, including but not limited to personal computers, television, Digital Video Disc, cinema screens, handheld devices and video consoles. The computer-scripting file uses pre-defined alternative outcomes in accordance with the user's state of mind as measured by the EEG device and directs the player to play the appropriate scene or time code within a video, video advertisement or movie file, thus enabling a user to influence the progress/outcome of a file. | 2012-03-29 |
| 20120078821 | METHODS FOR UNSUPERVISED LEARNING USING OPTIONAL POLYA TREE AND BAYESIAN INFERENCE - The present disclosure describes an extension of the Pólya Tree approach for constructing distributions on the space of probability measures. By using optional stopping and optional choice of splitting variables, the present invention gives rise to random measures that are absolutely continuous with piecewise smooth densities on partitions that can adapt to fit the data. The resulting optional Pólya tree distribution has large support in total variation topology, and yields posterior distributions that are also optional Pólya trees with computable parameter values. | 2012-03-29 |
| 20120078822 | METHOD AND APPARATUS FOR PROVIDING A FRAMEWORK FOR GENERATING RECOMMEDATION MODELS - An approach is provided for providing a framework for generating recommendation models. A recommendation engine receives a request, at the recommendation engine, for generating a recommendation model for an application, wherein the recommendation engine is applicable to a plurality of applications. Next, the recommendation engine determines to retrieve rating information from on one or more profiles associated with the application, one or more other applications, or a combination thereof. Then, the recommendation engine determines to generate the recommendation model based, at least in part, on the rating information. | 2012-03-29 |
| 20120078823 | ABNORMALITY DIAGNOSIS FILTER GENERATOR - Provided is an apparatus determining values of N and K for an abnormality diagnostic logic which makes a diagnosis N times for each diagnosis target by using observation values collected therefrom, and generates a diagnosis result showing that the diagnosis target is abnormal if the diagnosis target is judged to be abnormal K or more times. A calculator calculates average false detection rate P | 2012-03-29 |
| 20120078824 | Method and System for Music Recommendation Based on Immunology - An artificial intelligence song/music recommendation system and method is provided that allows music shoppers to discover new music. The system and method accomplish these tasks by analyzing a database of music in order to identify key similarities between different pieces of music, and then recommends pieces of music to a user depending upon their music preferences. Once the song files have been analyzed and mapped, this system uses four layers, metaphorically equivalent to the human immune system, to provide music recommendation. | 2012-03-29 |
| 20120078825 | SEARCH RESULT RANKING USING MACHINE LEARNING - Various embodiments include systems and methods for search result ranking using machine learning. A goal model can be created using machine learning. Responsive to a search query, a plurality of data factors can be inputted into the goal model to create a model output. Search results can be presented to a user based on the model output. | 2012-03-29 |
