23rd week of 2013 patent applcation highlights part 55 |
Patent application number | Title | Published |
20130144697 | Socially Networked Business and Consumer Space - Creative energy of consumers is captured and incentivized by businesses when the businesses provide personal incentives that reflect the extent to which the consumers make productive contributions to a socially networked business and consumer space. The personal incentives provide consumers lower prices through coupons, rebates, or other discounts for various items sold or distributed by the businesses. Consumers that are more productive or active in the social space can receive lower pricing on items. The personalized incentive for a particular consumer may be based on the quantity and quality of product reviews provided by the consumer as well as other factors such as consumer loyalty to a particular merchant or business. This business and consumer space spans the brick-and-mortar as well as the online retail spaces allowing consumers to use a mobile device to make online purchases by scanning a tag on a tangible object in a brick-and-mortar store. | 2013-06-06 |
20130144698 | PERMITTING GRANULAR DISTRIBUTION OF PRIVILEGES TO CONTEXTUAL COMMUNITIES - Methods and arrangements for the granular distribution of privileges to contextual communities. A user request for an active capability is assimilated. A code is generated which permits exercise of the active capability by the user and at least one secondary recipient. Execution of the active capability is permitted responsive to an attempt at executing the active capability by at least one taken from the group consisting of: the user and the at least one secondary recipient, and execution of the active capability is denied responsive to an attempt at executing the active capability by a recipient other than the user and the at least one secondary recipient. | 2013-06-06 |
20130144699 | Method for Simplifying Use of Commercial Website Interfaces for Secure Customer Purchases - In one embodiment, a system comprises a server and a mobile device including a user agent. The mobile device is coupled to the server via a network. The user agent is included in the mobile device to perform common steps in an online purchase process for a user of the mobile device without requiring input from the user during the online purchase process. The common steps includes for instance: enabling a browser on the mobile device to capture a URL associated with a location based service (LBS) facility, inputting a sign-in information in a sign-in webpage using information stored on the mobile device, checking a product or service selected for purchase for an available discount code and inputting the available discount code, and inputting shipping and payment information in a shipping and payment webpage using information stored on the mobile device. Other embodiments are also described. | 2013-06-06 |
20130144700 | Promotion Processing - Methods, systems, computer executable instructions, and devices for processing promotions and prepaid accounts are provided. In one exemplary embodiment, a method includes providing a unique identifier associated with a promotion to a customer and associating the unique identifier with a promotion code in a database. The method also includes the step of receiving the unique identifier from a merchant, where the customer provided the unique identifier to the merchant in order to redeem the promotion in a transaction. Finally, the method includes retrieving the promotion code from the database based on the received unique identifier, and transmitting the promotion code for delivery to the merchant. | 2013-06-06 |
20130144701 | FACILITATING ONLINE TO OFFLINE COMMERCE - Systems and methods for facilitating online to offline commerce are disclosed. In one embodiment, a system configured to receive a request to check-in a customer at a merchant facility is disclosed. The system receives a request to access real-time pre-sale transaction data associated with a first customer and transmits the real-time pre-sale transaction data associated with the first customer to a mobile client device. The request to check-in and the request to access the real-time pre-sale transaction data are transmitted by the first mobile client device. The system is configured to authenticate the request to check-in at the merchant facility, process the request to access the real-time pre-sale transaction data, and responsively access the real-time pre-sale transaction data associated with the first customer from a point of sale device located at the merchant facility. | 2013-06-06 |
20130144702 | Integrated Payment and Reward Transactions - Systems and methods for providing mobile promotional transactions that are combined with the payment processes to provide integrated solutions for a single transaction event at a transaction device (POS device). According to one embodiment, a method may be provided to operate and receive a request to process a transaction and a promotional code for a reward in a single transaction. In some aspects, the promotional code may be received by a mobile device based at least in part on an event outcome indicator. Additionally, the method may be operable to determine or receive that the promotional code is valid and determine or receive a value associated with the promotional code. Further, the method also be operable to apply a discount to the transaction value, in some examples, based at least in part on the value associated with the promotional code. | 2013-06-06 |
20130144703 | RESTRICTED USE CONSUMER COUPON AND METHOD USING SAME - A computer system ( | 2013-06-06 |
20130144704 | Telephony Based Reward System - The present disclosure describes a system and method for managing through telephony systems a customer reward system, such as, a spend and get reward system. In one embodiment, a virtual punch card (“VPC”) customer loyalty reward program system and method are managed through a telephonic communication connection provider. | 2013-06-06 |
20130144705 | Socially Networked Business and Consumer Space - Creative energy of consumers is captured and incentivized by businesses when the businesses provide personal incentives that reflect the extent to which the consumers make productive contributions to a socially networked business and consumer space. The personal incentives provide consumers lower prices through coupons, rebates, or other discounts for various items sold or distributed by the businesses. Consumers that are more productive or active in the social space can receive lower pricing on items. The personalized incentive for a particular consumer may be based on the quantity and quality of product reviews provided by the consumer as well as other factors such as consumer loyalty to a particular merchant or business. This business and consumer space spans the brick-and-mortar as well as the online retail spaces allowing consumers to use a mobile device to make online purchases by scanning a tag on a tangible object in a brick-and-mortar store. | 2013-06-06 |
20130144706 | Aggregating Consumer Rewards, Memberships, Receipts, Lowest-Price Matches, and Preferred Payment Transactions - A customer selects a payment source and authorizes payment by sending Short Message Service (SMS) text messages or secure hypertext transfer protocol (HTTPS) requests from the customer's mobile phone or device. A SMS payment software-plugin is installed on a Point-Of-Sale (POS) terminal and launches a price match search and can fetch customer rewards. When a customer requests to pay by SMS, the plugin is activated and the customer's mobile phone number and zip code or POS PIN are entered on the POS terminal. The POS terminal sends a request to a SMS payment system, which sends SMS text messages to the customer's mobile device. When the customer replies to the SMS message with a payment source selection and an approval code, the SMS payment system uses the selected payment source from the customer to create a transaction request to a bank authorization network. | 2013-06-06 |
20130144707 | SYSTEM AND METHOD FOR PROCESSING GIFTS BETWEEN DIFFERENT EXCHANGE MEDIUMS - Disclosed herein are systems, methods, and non-transitory computer-readable storage media for creating a gift in one medium of exchange from stored value in another medium of exchange. The system accesses a first account representing stored value in a first medium of exchange, and chooses an amount of the stored value from the first medium of exchange. Then the system converts the amount of the stored value to a second medium of exchange to yield a converted amount, and gives the converted amount in the second medium of exchange to a recipient as a gift, wherein the gift is associated with a recipient account for the second medium of exchange, and wherein the gift is associated with a policy monitoring transactions made using the recipient account such that the converted amount is applied to a transaction satisfying conditions of the policy. | 2013-06-06 |
20130144708 | System and Method for Instant Deals in a Mobile Communication Network - Systems and methods are provided to transmit deals, promotions and other manner of advertisements and offers to users of mobile devices that are relevant to the users' current location and intent. Users' current intent includes actions the user is likely to take in the near future, such as, for example, purchase a specific product or service. Users' probable intent is inferred from activities performed by users on their mobile devices such as, for example, user queries relating to products and services. Businesses set up offers that are directed to specific geospatial locations and specific user intent. When a user enters a geospatial location associated with an offer and manifests intent associated with the offer, the offer is transmitted to the user's mobile device. | 2013-06-06 |
20130144709 | COGNITIVE-IMPACT MODELING FOR USERS HAVING DIVIDED ATTENTION - Systems and methods are provided for modeling the cognitive impact of content displayed on a first device on a user engaged with a second device. An exemplary method involves obtaining activity by the user associated with the second device when content is displayed on the first device, determining an impact metric for the content, and correlating the impact metric with the user activity for the user. In another embodiment, an exemplary content-management system includes a campaign-management system to provide content displayed on a first device and an impact-modeling system to capture user activity on a second device when the content is displayed on the first device, determine an impact metric for the content, and correlate the impact metric to the user activity for the user. | 2013-06-06 |
20130144710 | CONSUMER DRIVEN ADVERTISING SYSTEM - A system and method for directing self-targeted advertising to users who are interested in receiving it. A user creates or adopts one or more personas that define a number of characteristics that the user has or wants to be associated with. The characteristics of the personas can be used by advertisers to define members of a target audience. Each persona included in a target audience has an address or identifier to which ads are sent. In one embodiment, users are shown a user interface screen with icons representing a number of brands. The user provides input that indicates whether they have different opinions of the brands. Based on the input received, an estimate is made of the likelihood that the user has a number of characteristics. The user can arrange the icons representing the brands on the user interface screen to indicate if the user likes or dislikes the brand. | 2013-06-06 |
20130144711 | SYSTEM AND METHOD FOR DELIVERING ADS TO PERSONAS BASED ON DETERMINED USER CHARACTERISTICS - A system and method for directing self-targeted advertising to users who are interested in receiving it. A user creates or adopts one or more personas that define a number of characteristics that the user has or wants to be associated with. The characteristics of the personas can be used by advertisers to define members of a target audience. Each persona included in a target audience has an address or identifier to which ads are sent. In one embodiment, users are shown a user interface screen with icons representing a number of brands. The user provides input that indicates whether they have different opinions of the brands. Based on the input received, an estimate is made of the likelihood that the user has a number of characteristics. The user can arrange the icons representing the brands on the user interface screen to indicate if the user likes or dislikes the brand. | 2013-06-06 |
20130144712 | SYSTEMS AND METHODS FOR GROUP DELIVERY, GROUP COUNTING AND GROUP PACING OF AD DELIVERY ON THE WORLD WIDE WEB - Through the utilization of group delivery, group counting and group pacing, an ad serving platform treats a grouping of ads as a standard unit despite the multiple ad unit components. The ad server platform paces and manages the flight of that grouped set of ads as a single entity. The ad server platform guarantees quality of delivery by only counting a qualified impression event when the group delivery has been successful, thereby opening this type of highly impactful advertising experience up to non-standard inventory sources, rather than relying on highly controlled content environments. | 2013-06-06 |
20130144713 | METHODS AND APPARATUS TO DETERMINE THE EFFECTS OF TRADE PROMOTIONS ON SUBSEQUENT SALES - Example methods and apparatus to determine the effects of trade promotions on subsequent sales are disclosed. A disclosed example method includes determining a plurality of decremental effect factors, each corresponding to a respective one of a plurality of weeks, wherein at least some of the decremental effect factors are indicative of a downward trend in sales of a product that was under a promotion condition during a first one of the plurality of weeks. The example method also includes determining a plurality of decremental effect terms, each decremental effect term equal to the product of a corresponding coefficient multiplied by a corresponding one of the decremental effect factors, and determining a pantry loading effect term based on the plurality of decremental effect terms. Further, the example method includes determining a pantry loading incremental sub-volume based on the pantry loading effect term, and generating a report including the pantry loading incremental sub-volume. | 2013-06-06 |
20130144714 | Method, Apparatus and System for Supporting Advertisement Contents in HTTP Streaming Play Mode - A method, apparatus and system for supporting advertisement contents in an HTTP streaming play mode. The method comprises: receiving media presentation description information from a server, wherein advertisement content support information is included in the media presentation description information; acquiring and playing advertisement contents according to media presentation information; requesting for media contents from the server according to the advertisement content support information and playing conditions of the advertisement contents. By means of verification, the embodiments of the present invention enable the media contents transmitted by adopting the HTTP Streaming mode to support advertisement contents without only depending on the rule files performed by the client, enables the result of watching the advertisement effectively impact on the subsequent request, acquisition and play for the content slices and improve the difficulty and level for avoiding the advertisements. | 2013-06-06 |
20130144715 | UNIFIED SYSTEM, METHODS, AND COMPUTER PROGRAM PRODUCTS ENABLING THE PROCESSING OF ONE OR MORE EVENTS ASSOCIATED WITH A TRANSACTION EXECUTING THE PURCHASE AND/OR USE OF ONE OR MORE PRODUCTS - A unified system, one or more methods, and one or more computer program products capable of automatically: (a) identifying the product or the product including the product attribute values requested in a user query; (b) identifying one or more retailers offering the product of interest; (c) identifying one or more qualifying offers; (c) authorizing, clearing, and settling a transaction in a unified system; (d) redeeming one or more qualifying offers; and/or (e) executing functions related to the product after purchase. | 2013-06-06 |
20130144716 | ADVERTISING OPPORTUNITIES FOR LIVE STREAMING CONTENTS AND SERVICES - Placing advertisement, informational or promotional material into a live stream event streamed to a client device, including: establishing a private relationship between a server and the client device; receiving statistical studies performed of a pattern of behavior of members of the private relationship with respect to contents and services streamed live; preparing and storing the advertisement, informational or promotional material based on the statistical studies; selecting the stored advertisement, informational or promotional material for the client device; and placing the selected advertisement, informational or promotional material into a temporally and spatially appropriate position of the live stream event. Keywords include live media stream and BIVL. | 2013-06-06 |
20130144717 | System and Method for Hyper Local Advertisements in a Mobile Communication Network - Systems and methods are provided to transmit advertisements to users of mobile communications networks based, at least in part, on such users' real-time geospatial location and known interests. Advertisers transmit advertisements, such as directory listings, coupons, offers and promotions to a mobile advertising service. Each advertisement is associated with at least one geospatial location and at least one category. Users of mobile communication networks submit queries, via their mobile devices, to the mobile adverting service for advertisements relevant to the users' current geospatial location and interests. Advertisements meeting query criteria are selected and transmitted to the users' mobile devices. | 2013-06-06 |
20130144718 | Integrated system for gathering commerce information and distributing advertising using a global computer network - A system gathers commerce information and distributes advertising using an integrated global computer system. The integrated system includes a local area network (LAN) in retail stores that interconnects cash registers in the stores. The LAN is also interconnected with electronic billboards that are mounted to the checkout aisles near the cash registers. Sales data is registered by each cash register, recorded as a customer record, and electronically transferred to a main server connected to the LAN. Periodically, this main server uploads this sales data to a central data server through using a global computer network. Based upon the customer purchase information stored in this central data server, it is possible to purchase advertising. The purchased advertisements are transmitted to the individual stores through the global computer network and shown on electronic billboards that are fixed to the checkout aisles in retail stores. | 2013-06-06 |
20130144719 | USING IMAGE MATCH TECHNOLOGY TO IMPROVE IMAGE ADVERTISEMENT QUALITY - Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, providing advertising content to a user in response to an image search request to be performed on the Internet. A search phrase is input to be used to perform the image search on the Internet. Searching of Internet content is performed to identify content matching the received search phrase. Images associated with each of the matching content are compared with images associated with advertisements stored in an advertisement database, to determine which advertisements have associated images related to any of the images associated with the matching content. Based on display data provided to the client computer, each of the matching content can thus be displayed at a client computer with associated images, along with an advertisement having an associated image related to any of the matching content. | 2013-06-06 |
20130144720 | System for Advertisement Display - A computer-implemented interactive advertisement display on a page includes a display area and a rotation control input module. The display area displays an advertisement from a set of advertisements. The rotation control input module is configured to receive a rotation control input controlling which advertisement from the set of advertisements is displayed in the display area. | 2013-06-06 |
20130144721 | INDIVIDUALIZATION SERVICE PROVIDING SYSTEM, SERVER, TERMINAL USING USER'S FEED BACK AND PRIVACY BASED ON USER AND METHOD THEREOF - An individualization service providing system based on a user includes an individualization service client configured to be mounted in a user terminal to collect user's individualization information, generate a user profile by anonymizing the individual information according to a privacy policy, and transmit the generated user profile through a communication network, along with an individualization service request message. Further, the individualization service providing system includes an individualization service server configured to recommend individualization services corresponding to the user profile and provide the recommended individualization services to the individualization service client, at the time of receiving the individualization service request services. | 2013-06-06 |
20130144722 | System for Targeting Advertising Content to a Plurality of Mobile Communication Facilities - A system for targeting advertising content includes the steps of: (a) receiving respective requests for advertising content corresponding to a plurality of mobile communication facilities operated by a group of users, wherein the plurality includes first and second types of mobile communication facilities with different rendering capabilities; (b) receiving a datum corresponding to the group; (c) selecting from a first and second sponsor respective content based on a relevancy to the datum, wherein each content includes a first and second item requiring respective rendering capabilities; (d) receiving bids from the first and second sponsors; (e) attributing a priority to the content of the first sponsor based upon a determination that a yield associated with the first sponsor is greater than a yield associated with the second sponsor; and (f) transmitting the first and second items of the first sponsor to the first and second types of mobile communication facilities respectively. | 2013-06-06 |
20130144723 | SYSTEMS, METHODS AND ARTICLES TO AUTOMATICALLY EXPOSE AND PLACE MATERIAL IN STREAMS OF PROGRAMMING - Content providers or media outlets may provide opportunities to place insertion or replacement material, for example, advertisements, into alternate streams or feeds of programming. A clearinghouse of such for various content providers may be automatically maintained and updated. Entities with insertion or replacement material may reserve, bid on or automatically place insertion or replacement material. An insertion system component may automatically insert material in an alternative feed of programming, for example, automatically replacing locally relevant advertisement in a broadcast with more general or even more specific advertisements in a Web feed of the programming. Organization of the insertions or replacement may be automatically determined based on various criteria. | 2013-06-06 |
20130144724 | PRESENTATION OF SPONSORED CONTENT ON MOBILE COMMUNICATION FACILITIES - A system and method for targeted distribution of advertising of a first or second sponsor to a plurality of cellular phones of a first or second type includes establishing a competitive real time bid auction process and attributing in real time a higher ordering priority to the advertising of the first sponsor than the advertising of the second sponsor based upon a determination that the amount of the first sponsor is greater than the amount of the second sponsor. | 2013-06-06 |
20130144725 | PRESENTING CONTENT TO A USER IN ACCORDANCE WITH AN AGREED UPON CONTENT-PRESENTATION POLICY - Systems and methods are provided for presenting content to a user. An exemplary method involves establishing a relationship between a first device and the user, wherein, based on the relationship, one or more instances of secondary content are automatically excluded from display by the first device while primary content is displayed by the first device. The method continues by presenting an instance of secondary content to the user in a manner that is influenced by the relationship. | 2013-06-06 |
20130144726 | METHOD AND SYSTEM FOR PROVIDING SOCIAL AND ENVIRONMENTAL PERFORMANCE BASED SUSTAINABLE FINANCIAL INSTRUMENTS - A method and system for reserving future purchases of goods or services or events. Plural electronic options are provided based on a priority ordering scheme. The plurality of electronic options are not supplied or governed via a central government agency and are not supplied or governed via security laws. The plural electronic options includes a plural different electronic option terms for a plural different suppliers and a priority ordering scheme. The electronic option terms for a desired supplier are unique to the desired supplier. The electronic options include personalized electronic reservations and personalized electronic coupons. The purchased electronic option is exercised for preferred or priority access or entry to events or places or goods or services based on the priority ordering scheme. | 2013-06-06 |
20130144727 | COMPREHENSIVE METHOD AND APPARATUS TO ENABLE VIEWERS TO IMMEDIATELY PURCHASE OR RESERVE FOR FUTURE PURCHASE GOODS AND SERVICES WHICH APPEAR ON A PUBLIC BROADCAST - A comprehensive organization entertainment and purchasing operating system through a computer network. A Front End allows users viewing, purchasing, social networking and the like. A back end of the system, includes maintaining relationships with content providers who produce and cause to be broadcast a media source of in a public venue such as television, movies, streaming videos, and video games etc. and further highlighted and display products and services in numerous scenes. Information on content partners including contact information of key decision makers at major studios, mini-majors and independent film makers which is entered into the system's computer database. The system will also include granting access to key content partners so that interactions with content partners can include uploading content to encoding, providing digital distribution contracts with the system's corporate legal department, uploading information to the corporate heads of the system, and maintaining a multilayered content management system. | 2013-06-06 |
20130144728 | PRE-PROCESSING OF AD REQUESTS USING EDGE SIDE PROCESSING OVER COMMERCIAL CDNs - By distributing the algorithms for ad selection into two server tiers, an ad server platform provides a way to leverage the computing power of a commercial CDN, such as Akamai, and perform processing on the CDN's edge side servers, thus reducing the number of servers in its own data centers and increasing service availability. The ad serving platform implements a distributed processing methodology that leverages under-utilized server resources located on the edge side of the CDN by running edge side include (ESI) code on the CDN's edge servers. | 2013-06-06 |
20130144729 | Dynamic In-Page Advertising - Advertisements displayed in a web page are enabled to be changed as a context of the web page changes without reloading the web page. A first set of one or more advertisements may be displayed on a web page. One or more of the displayed advertisements may be replaced with one or more alternative advertisements. Selection of the alternative advertisements is triggered based on the occurrence of one or more events that cause a change in a context of the web page. The display of the alternative advertisements is performed dynamically, without the web page needing to be reloaded. In this manner, the advertisements displayed on a web page may be changed based on the change in web page context, to provide advertisements to users that correspond to the changing context. | 2013-06-06 |
20130144730 | SYSTEMS AND METHODS FOR TAKE-OUT ORDER ANALYTICS - Systems and methods for take-out order management and analysis. In an embodiment, for each of a plurality of restaurants, an interactive menu associated with the restaurant is provided to a plurality of users, a plurality of orders are received from the plurality of users, and the plurality of orders are sent to the restaurant. Order information related to the plurality of orders and the plurality of users is stored in at least one database, and analyzed. | 2013-06-06 |
20130144731 | Point of Sale for Mobile Transactions - Devices, systems, and methods are disclosed which relate to using a remote scanner for mobile transactions. A point of sale (POS) terminal communicates with a remote scanner that is removably coupled to the POS terminal. Logic on the POS terminal generates a request for a transaction information and transmits the request along with a restriction to the remote scanner. Logic on the remote scanner receives the request and the restriction, transmits the request to a mobile device, receives the transaction information while monitoring the restriction, and transmits the transaction information to the POS terminal for processing. The transaction information may be provided subject to the restriction. | 2013-06-06 |
20130144732 | METHOD AND SYSTEM FOR ELECTRONIC MERCHANT GIFT CARD CREATION AND REDEMPTION - Embodiments of the present invention provide a method, system and a point of sale device for generating and redeeming a virtual gift card. In accordance with an embodiment of the present invention, a virtual gift card is generated. The virtual gift card includes a computer readable code that corresponds to a gift card amount. The virtual gift card is sent to a recipient. The computer readable code is received from a wireless mobile device at a point of sale. The gift card amount is applied as at least partial payment for a purchase. | 2013-06-06 |
20130144733 | METHOD AND SYSTEM FOR ELECTRONIC NATIONAL FINANCIAL INSTITUTION GIFT CARD CREATION AND REDEMPTION - Embodiments of the present invention provide a method, system and a point of sale device for generating and redeeming a virtual gift card. In accordance with an embodiment of the present invention, a virtual gift card associated with a financial institution is generated, the virtual gift card being redeemable at merchants that accept forms of payment associated with a financial institution. The virtual gift card includes a computer readable code that corresponds to a gift card amount. The virtual gift card is sent to a recipient. The computer readable code is received from a wireless mobile device at a point of sale. The gift card amount is applied as at least partial payment for a purchase. | 2013-06-06 |
20130144734 | MONEY TRANSFER SYSTEM USING PRE-FUNDED ESCROW - Disclosed herein are systems and method for facilitating money transfer transactions between a sender and a recipient. In general, the systems and methods include: (a) a point-of-service terminal (POS) receiving an initiation payment from a sender; (b) a pre-funded account that receives replenish payments from the POS; (c) a money transmitter terminal that receives a funding payment from the pre-funded account, and provides a fulfillment payment to a recipient; and (d) a centralized service provider linking the POS, the pre-funded account, and the money transmitter. In operation, the centralized service provider (1) receives presentment data, from the POS, indicating that the sender has provided the initiation payment at the POS, (2) provides a computerized notification to the money transmitter, instructing the money transmitter to provide the fulfillment payment to the recipient, and (3) facilitates the replenishment of the pre-funded account. | 2013-06-06 |
20130144735 | APPARATUS AND METHOD FOR POS PROCESSING - An apparatus and method for configuring, altering, controlling, securing, and extending the processing capability and functionality of PCs and POS devices using a non-volatile memory device using software and data carried within the apparatus. | 2013-06-06 |
20130144736 | Caching Item Information in a Cloud-Based Point of Sale System - Mechanisms are provided, in a data processing system, for retrieving and utilizing item information to perform a transaction. The mechanisms receive an identification of an item present in a detection field of the item identification system. A determination is made as to whether valid item information for the item is present in a cache of the data processing system in response to detecting the item as being present in the detection field of the item identification system. If valid item information is present in the cache, the valid item information is retrieved from the cache. If valid item information is not present in the cache, the valid item information is retrieved from a remotely located cloud computing system. The transaction is performed based on the valid item information. | 2013-06-06 |
20130144737 | Point-of-Sale (POS) Machine, POS Machine Card-Payment System and Card-Payment Trading Method Thereof - A POS machine and a POS machine card-payment system and a card-payment transaction method thereof. The POS machine card-payment system can select merchant information by selecting a product or a merchant and download the merchant information in a database to a POS machine terminal, and thus enable the POS machine terminal to perform card-payment operation based on the downloaded merchant information, thereby achieving the function that a plurality of merchants share a POS machine terminal to perform card-payment operation, and the merchant information can be added, deleted and modified by the card-payment system, thereby achieving the purpose of freely expanding the number of merchants. | 2013-06-06 |
20130144738 | Gifting and Sharing Using SMS Messages for Shared Coupon/Gift-Card Auto-Redemption and Multi-Source Payment from Buyer's Mobile Phone - A giving customer sends to a Short Message Service (SMS) gifting system a SMS text message with a gift amount, mobile phone number, and personal message for a receiving customer. The SMS gifting system authorizes payment for gifts by sending a SMS text message or secure hypertext transfer protocol (HTTPS) request to the giving customer's mobile phone or mobile device requiring customer to respond by SMS or HTTPS. When the giving customer replies to the SMS message with an approval code such as a Personal-Identification-Number (PIN), the SMS gifting system uses a queue of payment sources for the giving customer to create transaction requests to a bank authorization network. When the SMS gifting system receives authorization, it completes the gift transaction by sending a SMS message to the receiving user's mobile phone. Deals and vouchers may be shared among sub-users in a grouped account. | 2013-06-06 |
20130144739 | DYNAMIC CURRENCY CONVERSION SYSTEM AND METHOD - A system for dynamic currency conversion is provided. The system includes a bank identifier system determining whether currency conversion is available for a card-issuing bank of a presented card, such as by comparing a bank identifier from the card with a list or table of participating banks. An exchange rate system determines whether an exchange rate has expired, such as an exchange rate associated with the foreign currency of the card-issuing bank. The card holder is presented with an option for selecting a foreign currency transaction after it is determined that currency conversion is available for the card-issuing bank and that the exchange rate has not expired, such that the card holder does not need to see such information unless foreign currency processing is available. | 2013-06-06 |
20130144740 | METHODS AND APPARATUS TO OBTAIN TRANSACTION CONFIRMATION - Methods and apparatus to obtain transaction confirmation are described. One example method includes emulating a payment method using a close-proximity communication device of a mobile device, establishing a close-proximity communication link with a close-proximity communications-equipped device using the close-proximity communication device of the mobile device, transferring payment information from the mobile device to the close-proximity communications-equipped device using the close-proximity communication device, subsequent to transferring the payment information, switching the close-proximity communication device of the mobile device to an information receiving communication mode, determining whether the close-proximity communication device is within proximity of the close-proximity communications-equipped device, and receiving a transaction confirmation at the close-proximity communication device of the mobile device from the close-proximity communications-equipped device when the close-proximity communication device is within proximity of the close-proximity communications-equipped device. | 2013-06-06 |
20130144741 | MANAGING CONSISTENT INTERFACES FOR MERCHANDISING BUSINESS OBJECTS ACROSS HETEROGENEOUS SYSTEMS - A business object model, which reflects data that is used during a given business transaction, is utilized to generate interfaces. This business object model facilitates commercial transactions by providing consistent interfaces that are suitable for use across industries, across businesses, and across different departments within a business during a business transaction. In some operations, software creates, updates, or otherwise processes information related to merchandise and point-of-sale transaction business objects. | 2013-06-06 |
20130144742 | USER LICENSE USAGE VERIFICATION - Embodiments of the present invention may provide a method to verify license usage. The method may comprise replicating existing license order(s) to a license management server, sending software usage information to the license management server, extracting the usage information and order information independently, consolidating the usage information and order information independently, and calculating license usage and determining a license strategy for the software usage. | 2013-06-06 |
20130144743 | OPHTHALMIC LENS STORING UNIT WITH PROGRAMMABLE AND COMMUNICATION ELEMENTS FOR MONITORING THE USE AND AUTOMATED ORDERING - The present invention provides for a programmable processor in a Ophthalmic Lens Storage Unit capable of storing and disinfecting ophthalmic lenses. A base unit and/or storage case can include sensors for providing data and a digital storage for storing the data and using it via executable software for lens monitoring and automated lens ordering. In some embodiments, the processor is additionally operative via the executable software to provide disinfecting radiation base radiation for disinfecting an ophthalmic lens. | 2013-06-06 |
20130144744 | MULTITENANT HOSTED VIRTUAL MACHINE INFRASTRUCTURE - A multi-tenant virtual machine infrastructure (MTVMI) allows multiple tenants to independently access and use a plurality of virtual computing resources via the Internet. Within the MTVMI, different tenants may define unique configurations of virtual computing resources and unique rules to govern the use of the virtual computing resources. The MTVMI may be configured to provide valuable services for tenants and users associated with the tenants. | 2013-06-06 |
20130144745 | METHOD AND APPARATUS FOR MANAGING A SUPPLY CHAIN - A supply chain management platform. Product information is gathered to create a product catalog having atomic product records. The product records are linked to product offers from suppliers. A retailer can select product for integration into the retailer's product catalog. Orders from retailers are matched to product offers and assigned to the corresponding supplier for fulfillment of the order. Retailers and suppliers are given visibility in to the system to maximize efficiencies. | 2013-06-06 |
20130144746 | METHODS, DEVICES AND SYSTEMS FOR THE GENERATION OF REQUESTS FOR QUOTES FROM AGGREGATED CONSTRUCTION-RELATED AND PERMITTING INFORMATION - A computer-implemented method may comprise accessing a database comprising construction permitting information over a computer network; collecting construction permitting information for a plurality of construction projects from the accessed database and storing the collected construction permitting information. Each of the construction protects may be associated with a respective identified party. Information corresponding the plurality of construction projects may then be aggregated into a plurality of aggregated requests for quotes (RFQs), which may be stored in an RFQ database that is selectively accessible over the computer network. One or more vendor offers may be received against one or more of the aggregated RFQs. The vendor offer may be only selectively visible to the respective identified parties associated with the constructions projects against which the vendor offer has been received. | 2013-06-06 |
20130144747 | SYSTEMS AND METHODS FOR OPERATING A MARKETPLACE SERVICE FOR RENEWABLE ENERGY RESOURCES - Disclosed herein are methods and systems for operating an exchange service for renewable energy resources. In one embodiment, an exchange service, implemented on an exchange entity server, maintains a database of pre-approved assets. The exchange server can operate a marketplace, allowing other provider entities to place a bid for installing the renewable energy setup at a location associated with the asset. Examples of the provider entities include a developer entity, a manufacturer entity, a financier entity, etc. In embodiments, the marketplace enables interaction among the provider entities to enable the provider entities to develop and place a composite bid for a selected asset available through the marketplace. | 2013-06-06 |
20130144748 | METHOD AND SYSTEM FOR CUSTOMIZING FOOD SERVICE ARTICLES - The present invention provides a method for a customer to interact with a computer system over a computer network for specifying custom decoration of a plastic food service article. A computer-assisted decorating machine then processes the customer input and customizes the food service article according to the customer input. Thereafter, the customized article is delivered to the customer. Creation of customized and/or personalized designs is rendered feasible by providing readymade templates for a variety of events and occasions. In embodiments, the computer-assisted decorating machine is a laser marking system, and the food service articles are made from a plastic material that discolors when irradiated with a laser beam. The markings can emulate silver, gold, or pewter without applying metals, inks, or coatings to the plastic articles, and laser marked plate products can resemble decorated china plates or other permanent ware articles. | 2013-06-06 |
20130144749 | SUPPLIER RATING AND REPORTING - Various embodiments of systems and methods for supplier rating and reporting are described herein. A first user interface is provided to a purchaser in response to a selection. The first user interface comprises one or more supplier analysis options. In response to selection of one or more of the options on the first user interface, a supplier rating analysis is generated and displayed using supplier evaluation data provided by a plurality of purchasers and stored in a data source. Based on a purchasing activity, a second user interface is provided to the purchaser. The second user interfaces comprises one or more input fields to capture the evaluation data from the purchaser. The input fields comprise supplier rating-level fields and supplier rating-criteria fields. The evaluation data is received after input by the purchaser. The evaluation data received from the purchaser is stored in the data source. | 2013-06-06 |
20130144750 | CONTENT ON DEMAND EDGE CACHE RECOMMENDATIONS - Methods and systems for providing content and content recommendations are described. Content recommendations for users in a service area may be based on content requests from users within the same service area. Content recommendations over a period of time may dynamically change based on many factors, including: the number of requests for particular content within one or more time frames, the storage location of requested content relative to requesting users, and whether a request occurs within a time period of rapid shift in use and types of content requested. A content recommendation including one or more content recommendations may be provided to users. | 2013-06-06 |
20130144751 | Graphical Display for Recommending Sleep Comfort and Support Systems - A pressure sensor measures the surface pressure distribution of a body supported by a surface, for example a person lying on a mattress. In one approach, a pressure mapping system acquires a customer's pressure map using a reference mattress and presents this pressure data in the form of a pressure map. The pressure map measurement data is then analyzed to determine body characterizing parameters such as body mass index, contact area and average peak pressure. The pressure map measurements are then located on a mattress category grid that has been referenced and aligned to a large population sample of measurements taken with a reference mattress. Alternatively, the pressure map measurements are matched to a physical profile category within a database. Each category provides ranked mattress recommendations based on selection and ranking criteria derived from pressure map data obtained from a large sample of test subjects. In this way, a customer's pressure map can be translated to a recommendation of specific mattresses or mattress categories that are offered by a mattress retailer or manufacturer. | 2013-06-06 |
20130144752 | RECOMMENDATION ASSIST DEVICE, RECOMMENDATION ASSIST SYSTEM, USER DEVICE, RECOMMENDATION ASSIST METHOD AND PROGRAM STORAGE MEDIUM - Provided are a recommendation assist device and the like which enable recommendation of contents suitable for a user. | 2013-06-06 |
20130144753 | E-COMMERCE METHOD AND SYSTEM - An improved ecommerce system and process for conducting transactions is provided. The system holds a buyer's payment until the buyer has an opportunity to object to the goods or services provided. Payment is released to the seller if a complaint is not submitted within a buyer grace period. If a complaint is submitted, the system facilitates thorough communications between buyer and seller, and provides for dispute resolution. In some embodiments, a request-for-quote operation can be provided, as well as implementation of credit terms and automated generation of commercial transaction documents. | 2013-06-06 |
20130144754 | E-COMMERCE METHOD AND SYSTEM - A social e-commerce system is provided. To the extent buyers seek products not already available, the system matches buyers with related sellers and solicits listing on the sought-after items. The system includes third party certification options. Enhanced communication facilities between buyers and sellers enable reduced opportunity for dispute. Intra-party communications during the transaction can be utilized by third party neutrals for dispute resolution. Parties can select trust agents for escrow and/or dispute resolution. | 2013-06-06 |
20130144755 | APPLICATION LICENSING AUTHENTICATION - Methods and systems for application licensing authentication are disclosed herein. The method includes processing a request for a license for an application from a purchaser at a marketplace service. The method also includes sending a token from the marketplace service to a client platform, wherein the client platform is configured to allow the purchaser to assign a seat to a user and to send the token to a third party service when the user attempts to access the application. The method further includes accepting the token from the third party service at the marketplace service, verifying the validity of the token within the marketplace service, and returning a message verifying the validity of the token to the third party service. Moreover, the third party service may be configured to allow the user to access specific levels of service within the application through the client platform. | 2013-06-06 |
20130144756 | TRANSACTION SYSTEM - A transaction system is disclosed comprising a plurality of merchant devices, a plurality of customer devices and a central payment system, whereby any of the customers can conduct financial transactions with any of the merchants by means of, after an initial registration, entry of a unique ID associated with the merchant, password, payment amount and the system recognition of the customer's mobile phone number CLI. The system is particularly useful for enabling small value merchant or merchants to easily conduct transactions face to face with customers. | 2013-06-06 |
20130144757 | INVENTORY MANAGEMENT SYSTEM - Methods, systems, and articles of manufacture consistent with certain aspects related to the present invention collect item information from RFID tags attached to items in an inventory, and uses the collected item information to perform various inventory management processes. In one aspect, the inventory management processes may include determining, reporting, and/or providing corrective actions for one or more events associated with at least one of depletions of items in the inventory, changes in the design of items in the inventory, defects with one or more items, misplaced items, the movement of an unusual number of items within a short period of time (i.e., shrinkage), and malfunctions of one or more components included in the environment. | 2013-06-06 |
20130144758 | COMPONENT PART SEARCH SYSTEM WITH PUBLIC AND PRIVATE COMMUNITIES - A method of providing a searchable parts database includes collecting component part data from a plurality of users to form a component part database. An exclusive group is formed including a subset of the users. User members of the exclusive group are provided with access to the component part data contributed to the database by other user members of the exclusive group. Users excluded from the exclusive group are denied access to the component part data contributed to the database by the user members of the exclusive group. The user members in the exclusive group are enabled to provide images of desired component parts and to search the component part database based upon the images of desired component parts. | 2013-06-06 |
20130144759 | PRODUCT PURCHASE DEVICE AND PRODUCT PURCHASE METHOD - It is possible to prevent the erroneous purchase of products with similar appearance characteristics and descriptive information. In the present invention, similar products for which the product-related image information and text information is very similar are defined and the possibility of erroneous purchase is reported to the user at the time of product selection. | 2013-06-06 |
20130144760 | METHODS FOR ASSISTING A PERSON IN TRANSITIONING FROM ONE DISPOSABLE ABSORBENT PRODUCT TO ANOTHER - The present disclosure generally relates to methods for assisting consumers in transitioning from a current absorbent product to a future absorbent product. Also described are transition aids for assisting in this transition. In particular, the transition aids provide a consumer with a means for comparing different characteristics of their current absorbent product with characteristics of a future absorbent product. | 2013-06-06 |
20130144761 | System and method for the distribution of digital content and revenue - System and method for rewarding the creators, owners, and distributors of digital media are enclosed. The system enables creators and owners to sell digital media to consumers via the Internet. When a consumer purchases the media, the creator or owner is rewarded. The system also enables each consumer who purchases the media to become a distributor, providing tools to promote and sell copies of that media to subsequent purchasers. A subsequent sale rewards both the distributor and the creator or owner. Further sales continue to reward the creator or owner and all or some of the previous distributors along the chain of distribution. The creator or owner sets the sales price, and the rewards are a percentage of the sales price. The creators', owners', and distributors' rewards are determined by their proximity to the most recent sale. | 2013-06-06 |
20130144762 | Cancelling a Purchasing Request - In general, the subject matter described in this disclosure can be embodied in methods, systems, and program products. A server system receives, as sent by a computing device, a request to purchase a product. The request is initiated by user selection of an element provided for display by a third-party application program. The server system sends, for receipt by a transaction processing system, a charge request to charge an account of a user of the computing device for purchase of the product. The server system determines, after the charge request has been sent for receipt by the transaction processing system, to cancel the charge request. The server system sends, for receipt by the transaction processing system, a request to cancel the charge request. The server system sends, for receipt by the computing device, an indication that purchase of the product has been cancelled. | 2013-06-06 |
20130144763 | ASSISTED SHIPPING SYSTEM - An assisted shipping system is described. Physical specifications of the item to be listed in an online marketplace are determined. Specifications of a shipping material for the item are determined based on the physical specifications of the item. A recommended shipping means is generated based on the specifications of the shipping material and the physical specifications of the item. Historical shipping information for shipped items previously listed on the online marketplace are stored. The physical specifications of the item, the specifications of the shipping material for the item, or the recommended shipping means may be determined based on the historical shipping information. | 2013-06-06 |
20130144764 | System, Method, and Apparatus for Assisting Customers with Point-of-Sale Transactions - A system comprising a mobile communication device and an order receiver. The mobile communication device comprises a user interface and a near field communication transmitter. The user interface allows a user to enter, select, or confirm order information. The near field communication transmitter is capable of transmitting order information. The order receiver comprises a near field communication receiver. The near field communication receiver is receptive to the order information transmitted from the mobile communication device. | 2013-06-06 |
20130144765 | Socially Networked Business and Consumer Space - Creative energy of consumers is captured and incentivized by businesses when the businesses provide personal incentives that reflect the extent to which the consumers make productive contributions to a socially networked business and consumer space. The personal incentives provide consumers lower prices through coupons, rebates, or other discounts for various items sold or distributed by the businesses. Consumers that are more productive or active in the social space can receive lower pricing on items. The personalized incentive for a particular consumer may be based on the quantity and quality of product reviews provided by the consumer as well as other factors such as consumer loyalty to a particular merchant or business. This business and consumer space spans the brick-and-mortar as well as the online retail spaces allowing consumers to use a mobile device to make online purchases by scanning a tag on a tangible object in a brick-and-mortar store. | 2013-06-06 |
20130144766 | COMMENT SUBMISSION SUPPORT SYSTEM, COMMENT SUBMISSION SUPPORT DEVICE, COMMENT SUBMISSION SUPPORT DEVICE CONTROL METHOD, PROGRAM, AND INFORMATION STORAGE MEDIUM - To provide a comment submission support system capable of supporting submission of such a comment as to enable a person who has viewed the comment to grasp a purchase status of a product or service. A purchase status information acquisition unit ( | 2013-06-06 |
20130144767 | SYSTEM, METHOD, AND PROGRAM PRODUCT FOR UNIT TRANSFER FEE PROCESSING - A method, system and program product, the method comprising: accessing Transfer Fee data to be paid to a third party that is not the borrower or the lender of a security for a right to loan one or more units of the security; accessing loan data on a loan of units of the security, calculating an amount of a Transfer Fee for the right to loan the security; generating data for debiting an account or sending a bill for the Transfer Fee; sending or having sent data on revenue from one or more of the Transfer Fees to be paid to an issuer of the security; updating the database with data on the Transfer Fee. | 2013-06-06 |
20130144768 | REPORTING CIRCUIT BREAKER AND SYSTEM - A circuit breaker having internal power monitoring and data signal generating apparatus, and a system for utilizing such a circuit breaker in a facility having a plurality of tenants served by branch circuits from a plurality of distribution panels. The circuit breaker radiates signals indicative of power consumption of the branch circuit protected thereby, together with a unique address identifier tied to one tenant. Electrical billings are based on summing all signals for each tenant. Changes to branch circuits during tenancy will not disturb correct billings since individual circuit breakers are associated with that tenant using power supplied by each branch circuit. Hence changes to branch circuits may be limited to modify building space locations served by the modified branch circuit, and need not be further modified to maintain correct billing in light of the circuit changes. | 2013-06-06 |
20130144769 | SYSTEMS AND METHODS FOR ADVANCED METERING INFRASTRUCTURE CUSTOMER PORTAL - In accordance with one embodiment, a system is provided that uses historical and current energy usage data generated by advanced metering infrastructure (AMI) meters to allow users conduct an analysis of energy usage via a portal. In accordance with one embodiment, a tool is provided to allow customers to display an estimated next month bill. | 2013-06-06 |
20130144770 | ALERT GENERATION BASED ON A GEOGRAPHIC TRANSGRESSION OF A VEHICLE - A method of associating a geospatial boundary area with a vehicle currently having a security interest, determining that the vehicle currently having the security interest has transgressed the geospatial boundary area, and generating an alert communication to a party having the security interest in the vehicle based on the transgression is disclosed. Also disclosed is the comparison of geo spatial data received from a transmitter installed within the vehicle with a predetermined event specified by a lender or provider and dynamically generated using the geospatial data, to make a determination of a predictive indicator of default, delinquency, or loss of value of an asset. | 2013-06-06 |
20130144771 | ALERT GENERATION BASED ON A GEOGRAPHIC TRANSGRESSION OF A VEHICLE ASSOCIATED WITH A COLLATERAL - A method of associating a geospatial boundary area with a vehicle, determining that the vehicle has transgressed the geospatial boundary area, and generating an alert communication to a party having a security interest in at least one of the vehicle and an ancillary collateral based on the transgression is disclosed. Also disclosed is the comparison of geospatial data received from a transmitter installed within the vehicle with a predetermined event specified by a lender or provider and dynamically generated using the geospatial data, to make a determination of a predictive indicator of default, delinquency, or loss of value of an asset. | 2013-06-06 |
20130144772 | JOURNALING ON MOBILE DEVICES - A journaling subsystem on a mobile device stores event data related to applications or other subsystems running on the mobile device. The event data can be stored and indexed in a journal database so that a timeline of past events can be reconstructed in response to search queries. In some implementations, a timeline can be reconstructed with markers on a map display based on search results. When the user interacts with a marker on the map display, the event data collected by the mobile device is made available to the user. | 2013-06-06 |
20130144773 | APPARATUS AND METHOD FOR TRADE AGGREGATION OF TRADE ALLOCATIONS AND SETTLEMENTS - A post-trade aggregation system for financial instrument trading systems, wherein a trader manages a plurality of trade orders to be executed by one or more executing brokers on behalf of customers via a data interface system. The plurality of trade orders includes at least one wrap block order and at least one institutional block order. The plurality of trade orders are merged into a single merged block order, apportioned into a plurality of smaller electronic trade orders, and transmitted to a plurality of order destinations. One or more computer systems are in electronic communication with the data interface system and with a clearing system, and configured to compress individual executions from the plurality of order destinations corresponding to the plurality of smaller electronic trade orders into a single net marked-up step-out for wrap orders and a single average-priced block for institutional orders. | 2013-06-06 |
20130144774 | System and Method for Exchanging Institutional Research and Trade Order Execution Services - An embodiment of the present invention provides a system and method for creating an electronic marketplace, utilizing an electronic non-currency unit of exchange, that provides for and facilitates the cost effective exchange of institutional research and trade order execution services between asset management firms and executing brokers in such manner as to substantially lower trading costs and improve investment performance on a recurring basis for the shareholders and beneficiaries investing in mutual funds and other investment portfolios. | 2013-06-06 |
20130144775 | System and Method for a Request for Cross in a Trade Matching Engine - Systems and methods are provided to fulfill customer trading orders in an illiquid two sided market. Request for cross functionality may be implemented in a trading environment using a trading engine for the matching of trades involving financial instruments. Request for cross functionally integrates the benefits of a dual bid-ask continuous trading market model with the price and quantity trade matching systems and methods. | 2013-06-06 |
20130144776 | System and Method for Providing a Payment Instrument - A system and method for processing an online application for a payment instrument is described, in which user details are received, a payment instrument is assigned based on the received user details, wherein the payment instrument is associated with unique identifying data, and the user is informed of the assigned payment instrument by transmitting a first portion of said unique identifying data via a first communication channel, and transmitting a second portion of said unique identifying data via a second communication channel different to the first communication channel. | 2013-06-06 |
20130144777 | CONSUMER BEHAVIORS AT LENDER LEVEL - The present disclosure generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More specifically, it relates to rating lenders based on data derived from their respective consumers. Also, the present disclosure relates to rating consumer lenders based on the predicted spend capacity of their consumers. | 2013-06-06 |
20130144778 | GPS-BASED PORTABLE GOLF DISTANCE INDICATOR AND METHOD FOR SHARING MAP DATA USING THE SAME - A GPS-based portable golf distance indicator and a method for sharing map data using the same. The GPS-based portable golf distance indicator includes a GPS receiver for receiving a GPS signal from a GPS satellite and outputting coordinate data of a current location based on the received GPS signal, a keypad for executing a driving distance notification menu for notifying a driving distance of a ball or a distance notification menu for notifying a distance from the current location to a hole cup or selecting a location registration menu, a memory for storing map data of a golf course, a processor for calculating and controlling, and a power supply. When selecting the location registration menu, the processor receives the coordinate data of the current location from the GPS receiver and registers coordinate data of a target object location on the golf course in the map data. | 2013-06-06 |
20130144779 | SOFTWARE AND METHOD FOR ALLOWING PAYMENT OF MERCHANDISE AND SERVICES ELECTRONICALLY, THROUGH A SMART DEVICE, WITH A PREDETERMINED ACCOUNT - A method and software application allows smart device users, such as smartphone users, to pay for their merchandise and services with a predetermined credit or debit account. The method does not require the user to take out, expose, or give out their credit or debit card. The method of the present invention can increase transaction financial safety and efficiency, while protecting the environment from the printing and disposal of physical plastic credit and debit cards. | 2013-06-06 |
20130144780 | SAME-DAY SETTLEMENT OF FINANCIAL TRANSACTIONS - A system and method to receive a financial transaction and transfer funds associated with the financial transaction into an account associated with an originator of the financial transaction to settle the financial transaction on the same day that the financial transaction is originated. The financial transaction may be one of a plurality of financial transactions and the financial transaction is identified as being eligible for same-day settlement using routing or transit numbers associated with an entity that receives the financial transaction. | 2013-06-06 |
20130144781 | System and Method for Debt Presentment and Resolution - A system and method for debt presentment and resolution through an Intranet or Internet content provider is disclosed. Said system and method include a plurality of “transaction communities” which are electronic forums allowing interaction between a plurality of debtors and creditors through means of electronic mail (e-mail) or other electronic communication means. The Internet/Intranet based software application allows said debtors to access and input information related to a particular debt with any Internet browser software. Said debtors are provided with the URL (Universal Resource Locator) for said content provider along with a unique identification code from the collection agency(s) through mail correspondence or other communication means. Upon said user entering said URL and entering said identification code, said user may then proceed to choose from a variety of settlement options listed on the HTML (HyperText Markup Language) page. | 2013-06-06 |
20130144782 | ELECTRONIC INVOICE PAYMENT PREDICTION SYSTEM AND METHOD - A system and method is presented for predicting a status change of a particular invoice from among a plurality of invoices within a database, where an invoice status relates to an event occurring in a timeline of events associated with payment of the invoice. The system and method may predict when the status of the particular invoice will change by analyzing those invoices of the plurality of invoices that are associated with a given buyer, where the given buyer is the buyer associated with the particular invoice. The prediction may be a function of the date of a previous event in the sequence of events associated with the particular invoice and an average timeline of events associated with payment of invoices by the given buyer. | 2013-06-06 |
20130144783 | SYSTEM AND METHOD FOR A SUPPLIER TO SUPPLIER PAYMENT SYSTEM TO PROCESS A TRANSACTION - Dynamically enabling and facilitating supplier to supplier facilitated customer transactions. A prepaid value account is issued to a customer by a first supplier for use at participating suppliers. A customer interacts with a second supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria associated with the prepaid value account. The supplier interacts directly with the payment systems holding the prepaid value to partially or fully process payment for the transaction. | 2013-06-06 |
20130144784 | Security Component for Electronic Commercial Activity - The subject disclosure is directed towards securing electronic commercial activity. Geo-locations are determined for one Internet transaction and another Internet transaction. These Internet transactions are related based on a common credential. Using timestamps, a relative travel speed between the geo-locations is computed for the Internet transaction and the other Internet transaction. Based upon the relative travel speed, a security component may invalidate the Internet transaction and/or the other Internet transaction. | 2013-06-06 |
20130144785 | SOCIAL NETWORK PAYMENT AUTHENTICATION APPARATUSES, METHODS AND SYSTEMS - The SOCIAL NETWORK PAYMENT AUTHENTICATION APPARATUSES, METHODS AND SYSTEMS (“SNPA”) transform social networking user login inputs via SNPA components into notifications of authenticated purchase transactions. In one embodiment, the SNPA obtains an authentication request for a purchase transaction. The SNPA extracts card account data related to the authentication request, and provides the card account data related to the authentication request to a social networking server. The SNPA also provides an indication for a user to authenticate via logging into a social networking service associated with the social networking server. The SNPA obtains an indication from the social networking server that the user is authenticated. In response to obtaining the indication that the user is authenticated, the SNPA initiates completion of the purchase transaction. | 2013-06-06 |
20130144786 | PROVIDING VERIFICATION OF USER IDENTIFICATION INFORMATION - Providing verification is disclosed, including: receiving a verification request associated with a user; retrieving account information associated with the user, wherein the account information includes a plurality of user attribute values previously submitted by the user; selecting at least one user attribute value from the plurality of user attribute values included in the account information; dynamically generating a verification question and a plurality of answer choices based on the at least one selected user attribute value, wherein the plurality of answer choices includes the at least one selected user attribute value; presenting the verification question and the plurality of answer choices for the user; receiving one or more selections associated with the plurality of answer choices; and determining whether the verification is successful based at least in part on the one or more selections. | 2013-06-06 |
20130144787 | ALTERABLE ACCOUNT NUMBER - Embodiments of the invention are directed to apparatuses, systems, and methods that allow for personalized data to be embedded in a primary account number associated with a consumer device. In one embodiment, a consumer device comprises a body and personalized data embedded into a primary account number, associated with the body. The primary account number includes a bank identification number and the bank identification number and the personalized data overlap. | 2013-06-06 |
20130144788 | Verification Methods And Apparatus For Use In Providing Application Services To Mobile Communication Devices - A technique in a mobile device which is configured to communicate in a wireless network with use of a communication service provided by a service provider is described. The mobile device is configured to access via the wireless network a server for execution of an e-commerce transaction. The server is configured to administer a proof-of-work test in order to allow completion of the e-commerce transaction. The mobile device receives via the wireless network a token from a token server. The token is digitally signed by the service provider with a digital signature thereof. The mobile device sends via the wireless network a message to the server, and this message includes the token. When token validation of the message at the server is successful, the mobile device completes the e-commerce transaction with the server without performing the proof-of-work test, which is bypassed for the mobile device. | 2013-06-06 |
20130144789 | METHOD AND SYSTEM FOR MANAGING CREDITS VIA A MOBILE DEVICE - System and method for delivering upon request credits having monetary value to a mobile device using a communications network. An account of available credit for the user of the mobile device is maintained and authorization to issue credit is generated when a request for credit for the mobile device is received and there is available credit in the account associated with the mobile device equal to or greater than the requested credit. Credit may be offset, or sponsored, by one or more token providers and issued to the user, upon authorization, to enable the user to use the mobile device to purchase items, e.g., at a point of sale terminal. | 2013-06-06 |
20130144790 | Data Automation - A user friendly process and system are provided for healthcare payers and providers to automate access to information from disparate systems accurately and in real time, to reduce healthcare costs and improve healthcare quality and outcomes. In some circumstances, it may be desirable to use the efficient process and system for other purposes. | 2013-06-06 |
20130144791 | USER INTERFACE FOR SEARCH AND IMMEDIATE LICENSE FOR MEDIA FILE - One example embodiment includes a method of licensing a media file. The method includes providing at least two media files and allowing a licensee to choose one of the at least two media files. The method also includes producing a licensing agreement and granting the licensee access to the media file. | 2013-06-06 |
20130144792 | STAND-ALONE SECURE PIN ENTRY DEVICE FOR ENABLING EMV CARD TRANSACTIONS WITH SEPARATE CARD READER - A method of conducting secure electronic payments to a payment acquirer using a credit card payment unit, comprising of a smart card, a portable card reader device, a mobile phone, a stand-alone PIN entry device and a payment server. The method is based on eliminating the unsecure keyboard in a mobile phone used for entering personal identification information, and instead use a separate secure PIN entry device which fulfils the EMV Level specification. Since all sensitive payment information, communicated to the payment server from the card reader and the PIN entry device, is encrypted using unique encryption keys an unsecure mobile phone may be used for relaying the communication between the card reader device and the PIN entry device to and from the payment server. | 2013-06-06 |
20130144793 | Systems and Methods for Providing NFC Secure Application Support in Battery On and Battery Off Modes - Systems and methods for providing secure application support for NFC devices in both battery on and battery off modes are provided. A first application that requires available host battery supply and a second application that does not require available host battery supply are loaded onto a mobile device. When the second application is enabled, the reader requests user input on a POS device. The first application is enabled when host battery supply is available, and the second application is enabled when no host battery supply is available. | 2013-06-06 |
20130144794 | SYSTEM AND METHOD FOR MULTI-USE IDENTIFICATION DEVICE - A multi-function identification device (ID) provides identifying information for the person to whom the ID was issued, as well as providing machine readable indicia for conducting a transaction. The ID may be a card issued by a government agency such as a driver's license or identification card. The transactions may be conducted with one or more accounts or value amounts identified using the machine readable indicia. Credit, debit and pre-paid accounts can be accessed for transactions using the machine readable indicia. Value amounts can be read and modified using this enhanced card that implements the machine readable indicia. The user can select the functionality to be added to the ID, which can optionally be used in conjunction with the identifying information to help verify identification. The machine readable indicia can be integrated in a new ID, or applied to an issued ID using an appliqué. | 2013-06-06 |
20130144795 | Hybrid Interactive Electronic Technical Manual - A method, apparatus, and computer program product of developing a hybrid interactive electronic technical manual. A set of sub-elements associated with core maintenance tasks is selected from a plurality of sub-elements in technical data for a device to form a set of core sub-elements. A cost-benefit analysis is performed on each sub-element in the set of remaining sub-elements to identify a sub-element benefit rating for the each sub-element. Sub-elements in the set of remaining sub-elements having a sub-element rating greater than or equal to a threshold benefit rating are selected to form a set of high benefit sub-elements. The set of core sub-elements and the set of high benefit sub-elements are converted from the non-interactive native file format to an interactive electronic technical manual database format. A set of links to the set of unconverted sub-elements is generated to form the hybrid interactive electronic technical manual. | 2013-06-06 |
20130144796 | ASSIGNING CONFIDENCE VALUES TO AUTOMATED PROPERTY VALUATIONS BY USING THE NON-TYPICAL PROPERTY CHARACTERISTICS OF THE PROPERTIES - Automatically assigning confidence ratings to properties valued by an automated valuation model. A value confidence model determines a set of typical property characteristics for properties in a geographic area, automatically determines a deviation from the set of typical property characteristics for a candidate comparable property, and assigns a confidence factor to an automated valuation of the candidate comparable property based upon the deviation. | 2013-06-06 |