25th week of 2013 patent applcation highlights part 69 |
Patent application number | Title | Published |
20130159081 | BIDIRECTIONAL BANDWIDTH REDUCING NOTIFICATIONS AND TARGETED INCENTIVE PLATFORM APPARATUSES, METHODS AND SYSTEMS - The BIDIRECTIONAL BANDWIDTH REDUCING NOTIFICATIONS AND TARGETED INCENTIVE PLATFORM APPARATUSES, METHODS AND SYSTEMS (“Ad-Track”) transform consumer activity data via Ad-Track components into ad revenue sharing payment transactions. In one implementation, a method of improving network data transmission efficiency and reducing network bandwidth usage is disclosed, comprising: instantiating a remote tracking component on a user device; receiving a consumer trigger event with regard to a product via the remote tracking component; determining a related merchant based on the trigger event, the merchant providing the product; and providing an advertisement component advertising the merchant via the remote tracking component to the consumer. | 2013-06-20 |
20130159082 | MANAGING ELECTRONIC MAIL - Methods, systems, computer readable media, and apparatuses for managing electronic mail are presented. In one arrangement, a plurality of incoming emails from a first user's inbox may be displayed. An option to designate an email as a series publication may also be displayed. In response to receiving a selection of the option while at least one email is selected, a new email folder dedicated to a series publication contained in the at least one email may be automatically created. Subsequently, subsequent emails containing future issues of the series publication may be redirected to the new email folder. | 2013-06-20 |
20130159083 | ORDER RECEIVING DEVICE, ORDER RECEIVING METHOD, PROGRAM AND INFORMATION RECORDING MEDIUM - An order receiving device ( | 2013-06-20 |
20130159084 | LOYALTY AND REWARD PROGRAM AND METHOD TO INCENT PARTICIPANTS - A method of providing rewards to a first party is shown and described. The method may include, the steps of providing a loyalty award Internet website, purchasing a plurality of promotional codes, where the plurality of promotional codes are redeemable from a plurality of merchants, storing the plurality of promotional codes within the loyalty award website, and allowing an award to be granted to the first party by a second party through the loyalty award website, the award having a preselected amount, wherein the first party may obtain at least one of the promotional codes stored in the loyalty award website, whereby an amount of the promotional code obtained is related to the amount of the award. The method may also include the steps of automatically generating a notification to the first party from the loyalty award website, where the notification includes a link to the award, and allowing redemption of at least a portion of the amount of the promotional code through the loyalty and award program. | 2013-06-20 |
20130159085 | Systems and methods for registering consumers in a consumer program while accessing a network - Described are methods and systems for registering consumers with merchant loyalty or other merchant programs by using a credit card or other form of payment to register the consumer, and thereafter automatically recognizing the consumer as a member in the program based on subsequent purchases made using the form of payment. Consumer rewards can then be automatically applied during the purchase transactions with the merchant. Thus, the present disclosure allows for consumers to seamlessly and transparently gain the benefits of consumer programs merely by purchasing goods and services using forms of payment, without consumers needing to carry additional cards or coupons or login information. | 2013-06-20 |
20130159086 | METHOD AND SYSTEM FOR PROVIDING LOCATION-BASED INCENTIVES AND PURCHASE OPPORTUNITIES TO REWARD PROGRAM MEMBERS - A method and system for generating and distributing incentives. An incentive server computer (ISC) receives a user identification from a mobile device that identifies an associated user. The ISC determines the location of the mobile device, and uses the user identification to determine one or more reward programs with which the user has a reward account. For each such reward program, the ISC determines if the location of the mobile device is within a predefined distance of a merchant affiliated with the reward program, and if so then generates a purchase incentive for the user to redeem at the merchant and transmits the purchase incentive to the mobile device. As a result, incentives are provided to those purchasers who are within a predefined proximity to the merchant, and who are more likely to use the incentive since they are already a member of an affiliated reward program. | 2013-06-20 |
20130159087 | METHOD AND SYSTEM FOR ENABLING USE OF LOYALTY PROGRAM POINTS AS FORM OF PAYMENT - A method and system for enabling use of loyalty program points as form of payment. In one preferred embodiment, the method may include the steps of receiving from an e-commerce agent, a request for a loyalty points price along with a transaction information package comprising a cash price and user identification information; sending the user identification information to a loyalty program and requesting user account authentication from the loyalty program; querying the loyalty program for a user information package comprising a cash-to-points conversion factor; calculating a loyalty points price based on the cash price and the cash-to-points conversion factor; sending to the e-commerce agent, the loyalty points price; receiving from the e-commerce agent, confirmation of transaction completion and a number of loyalty points utilized; and sending instructions to the loyalty program to debit from the updated loyalty program points balance the number of loyalty points utilized in the transaction. | 2013-06-20 |
20130159088 | PROVIDING OFFERS THAT SPECIFY A VARIABLE DISCOUNT WITH RESPECT TO A PRICE OF A GOOD AND/OR SERVICE - Techniques are described herein for providing discounted offers for goods and/or services. In one example, the discounted offer may specify a variable discount. In an aspect of this example, an amount of the variable discount may decrease for each customer or group thereof who accepts the offer. In accordance with this aspect, customer(s) who accept the offer earlier than other customers may be given a greater discount. In another aspect, the amount of the discount may vary for successive predetermined time intervals. For instance, the amount of the variable discount may be greater for customer(s) who accept the offer during a predetermined time interval that occurs earlier than another predetermined time interval. Accordingly, the amount of the discount may decrease for temporally successive predetermined time intervals. In both aspects, once a specified number of customers accept the discounted offer, the discounted offer may thereafter specify a fixed discount. | 2013-06-20 |
20130159089 | DISTRIBUTING COUPONS TO USERS OF A SOCIAL NETWORKING SYSTEM USING A NEWSFEED - A social networking system distributes offers to its users using the social networking users' news feed or another communication channel in the social networking system. To distribute offers, the social networking system receives a post from an advertising user, which includes a coupon or other offer that can be redeemed at a merchant establishment. The post generates an offer story that includes the post with the offer, and an option for claiming the offer. The social networking system sends the offer story to a viewing user of the social networking system, and receives from the viewing user a selection of the option for claiming the offer. To further distribute the offer, the social networking system sends a news story about the viewing user claiming the offer in a feed of news stories to one or more other users of the social networking system who are connected to the viewing user. | 2013-06-20 |
20130159090 | CHECK-OUT BASED DISTRIBUTION AND REDEMPTION OF DIGITAL PROMOTIONS - Coupon information is provided electronically in association with receipts for transactions at physical stores and/or online stores. A retailer causes performance of a transaction in which one or more items are purchased. An interface configured to accept input indicating a customer identifier, such as an email address, associated with the transaction is provided. When input has been received via the interface, it is determined whether the identifier is associated with a known customer identity. If the customer identifier is associated with a known identity, digital coupons associated with that identity are applied against the transaction. An electronic receipt is further provided for the transaction via, for instance, the provided email address or a web-based application in which a session is established in connection with the identity. | 2013-06-20 |
20130159091 | Hosted website access prompted by product - Methods, processes, apparatuses and computer programs are described herein whereby the owner of a website has the website hosted by a hoster as host who provides the owner with product bearing the hosted website address. Public distribution of the product per a hoster allocation formula design prompts a product acquired by a recipient to access the hosted website in which products, services and agendas as content are displayed for consideration. Activities including ordering, manufacturing, allocating, accessing and others provide data that is recorded and analyzed by the hoster. Centralizing data collection by the host provides evaluation means and metrics to improve the time, nature and place to allocate product, the initial selection of product type itself, and even improve website content based on such empirical evidence of website success. | 2013-06-20 |
20130159092 | SYSTEM AND METHOD FOR EFFICIENT RANKING IN ONLINE ADVERTISING BY SHAPING RELEVANCE SCORES - The present invention is directed towards a method and system for ranking advertisements in an auction-based advertising system. The method of the present system comprises receiving one or more search queries and selecting one or more keywords from the one or more search queries. One or more bids associated with a given keyword selected from the one or more search queries are retrieved and a priority score for one or more advertisements is determined, wherein each of the one or more advertisements is associated with a given bid. The priority score is determined by taking the product of a position normalized click through rate associated with a given advertisement adjusted by an exponential value and the given bid. The one or more advertisements are then ranked according to the priority score. | 2013-06-20 |
20130159093 | SYSTEMS AND METHODS FOR GENERATING REVENUE BASED ON CUSTOM CLICK TO CALL ADVERTISEMENTS - A system and method for generating revenue based on a custom click to advertisement over IMAP are disclosed. The system and method may receive an email from a first user and store the email from the first user on a server. In some embodiments, a custom click to call advertisement may be created for the stored email. The custom click to call advertisement may be inserted into the email. In some embodiments, the server may transmit the stored email with the inserted custom click to call advertisement to a second user. The custom click to call advertisement may be inserted as dynamic HTML tags within an email protocol. In some embodiments, a use of the custom click to call advertisement transmitted with the email to the second user may be detected. | 2013-06-20 |
20130159094 | REAL TIME AD TARGETING - In one embodiment, an event that has recently occurred is identified. The event is categorized into a category of events from a plurality of categories. A set of one or more advertisements associated with the category of events is ascertained. At least one advertisement is selected from the set of one or more advertisements associated with the category of events. The at least one advertisement is then provided to a user. | 2013-06-20 |
20130159095 | Intelligent Automatic Brand Personality Agents In Social Media Services - A server includes a transceiver for connecting the server over a social network to a provider server and to a user device, a memory for storing information received from the provider server and a processor for instructing the transceiver to communicate information to the user device if the user device input to a prompt from a user home device communicating with the user device satisfies at least one condition stored in the memory. | 2013-06-20 |
20130159096 | RANKED USER GRAPH FOR SOCIAL ADVERTISEMENT TARGETING - A method, advertising network, and computer program product for constructing a ranked user graph for advertisement targeting. The method commences by selecting a user from a set of candidate users from a first internet site, then identifying membership of the user in at least one second internet site. Having the intersecting membership, then assembling a set of one or more relationship associations between the user and a set of the user's associates (e.g. as retrieved from the second internet site). The relationship associations have various aspects that relate the user to a particular associate, and scoring or ranking of those various aspects are used in applying weights the relationship associations. Privacy settings are applied in order to filter out certain associations and/or to restrict propagation of information that the user or other authority deems as private information. The ranked user graph is used in delivering advertising to the user's associates. | 2013-06-20 |
20130159097 | SYSTEMS AND METHODS FOR PROVIDING INFORMATION BASED ON LOCATION - Systems and methods for providing information based on a user's location are described. A system may include an inventory module to identify an instance of a product within a field of vision of a user. A search module may identify incentives to purchase the product. A location module may generate a pictorial representation of the field of vision where an image of the product is located within the pictorial representation based on the position of the product in the field of vision of the user. A mapping module may map an icon representing at least one of the one or more incentives to a location within the pictorial representation corresponding to the position of the product. A display module may provide a user interface including a display comprising the icon located within the pictorial representation at a location corresponding to the position of the image of the product. | 2013-06-20 |
20130159098 | SELLER-DRIVEN METHOD FOR A BID SET SYSTEM - A method for automatically bidding on multiple on-line auction items up for bid where the number of items the bidder wishes to buy is less than the number of items up for bid is disclosed. A method of a seller or auction site giving a bidder the ability to add a listing to a set of listings that can be processed as above is also disclosed. | 2013-06-20 |
20130159099 | Methods, Systems, and Computer Program Products for Processing and/or Preparing a Tax Return and Initiating Certain Financial Transactions - A tax return is processed by receiving tax information associated with a taxpayer where the tax information is in a plurality of formats. The tax information is converted into a common electronic format. A determination is made whether the tax information is sufficient to generate a tax return therefrom. A tax return is generated if the tax information has been determined to be sufficient. | 2013-06-20 |
20130159100 | SELECTING ADVERTISEMENTS FOR USERS OF A SOCIAL NETWORKING SYSTEM USING COLLABORATIVE FILTERING - A social networking system selects advertisements for its users using collaborative filtering based on the users' interactions with objects in the social networking system. The objects may be games, pages, groups, deals, messages, content items, advertisements, or any other object with which a user may interact in the system. The system may identify a viewing user's interaction with a first object, determine a second object that is similar to the first object based on interactions of users with both of the objects, and send an advertisement associated with the second object to the viewing user. The system determines a second object based a similarity score between the first object and the second object, which may be a measure of users who have interacted with both objects and may be normalized by a number of user interactions by the users with the objects. | 2013-06-20 |
20130159101 | METHODS FOR AND APPARATUS FOR AUTOMATED SALES REFERRALS LOCAL TO A PURCHASER - The present invention provides methods and apparatus for associating Emotional Motivators with a Product. The Emotional Motivators associated with the Products are correlated with Emotional Motivators associated with a Purchaser. Advice regarding a Purchase may be provided based upon the correlated Emotional Motivators. | 2013-06-20 |
20130159102 | METHOD AND APPARATUS FOR PROVIDING ADVERTISEMENT - A method and apparatus for providing an advertisement based on a user input that is input from a touch keypad of a mobile terminal, the method including: extracting a key word from input content based on a predetermined key word table; obtaining an advertisement corresponding to the extracted key word, from a server by using the extracted key word; and providing the advertisement obtained from the server in a predetermined portion of a keypad input area of a screen of the terminal. | 2013-06-20 |
20130159103 | Advertisement Selection Based on Mobile Applications - Methods, systems, and computer-program products for selecting an advertisement message based on mobile applications installed on a mobile device are described. A list of mobile applications installed on the mobile device is received. At least one characteristic of the mobile applications on the list is analyzed to generate a user profile. An advertisement message may be selected based on the at least one characteristic of the mobile application and the user profile. | 2013-06-20 |
20130159104 | HIERARCHICAL FOLDERS FOR KEYWORD MANAGEMENT - A first indicator associated with a first group modification request to modify a first attribute value associated with each one of a plurality of keyword phrases that are stored as a first group indicating that the first group is included in a first hierarchical entity may be obtained. The first request may specify the first hierarchical entity as a target of the first group modification request. A first group modification of the first attribute value may be initiated, based on a first group modification of the first attribute value representing the first attribute value associated with each one of the plurality of keyword phrases, in response to the first group modification request. | 2013-06-20 |
20130159105 | EXTENDED DURATION ADVERTISING BASED ON INFERRED USER CATEGORIZATION - Advertisements are provided to users for an extended period of time based on a categorization of those users into one or more audiences. A user is being offered credits in exchange for the display such advertisements, which can be utilized to purchase items of value. The advertisements are selected based on which audience a user belongs to and a user is categorized as a member of one or more audiences based on a user profile that is informed by information explicitly provided by the user, information generated by the user to which the user has granted permission and contextual information, such as location. An audience taxonomy is centrally maintained and provided to enable categorization without transmitting users' information off of their computing devices. Advertisers bid on advertisements, not by bidding on keywords, but rather by bidding on the duration for which advertisements are displayed to selected audiences. | 2013-06-20 |
20130159106 | METHOD FOR PROVIDING SEARCH RESULTS INCLUDING RELEVANT LOCATION BASED CONTENT - A search engine considers events and stories described in electronic documents, a location of a searcher/reviewer, and a situs associated with a query and content of the document to determine how/if they should be presented to users as part of relevant search results. | 2013-06-20 |
20130159107 | ADVERTISEMENT PROVIDING APPARATUS AND METHOD FOR PROVIDING ADVERTISEMENTS - Methods and apparatus are provided for providing advertisements in an advertisement providing apparatus. An advertising audio signal is received and recorded, the recorded advertising audio signal is converted into audio data, and the audio data is stored, at the advertisement providing apparatus. The audio data and targeting purpose data are transmitted from the advertisement providing apparatus to an advertising server. Relevant advertising information is retrieved from among a plurality of advertising information stored in advance in an advertisement Database (DB), using the received audio data and the targeting purpose data. The received advertising information is transmitted from the advertising server to the advertisement providing apparatus. The advertising information is output from the advertisement providing apparatus. | 2013-06-20 |
20130159108 | MAP-BASED MENU INFORMATION NETWORK - A method for creating and managing a restaurant menu can be disclosed. The method can include establishing a restaurant menu; adding one or more menu items to the menu; associating menu item description information with the one or more menu items; and associating menu item location information with the one or more menu items. The menu can be searchable and at least one of the item description information or item location information can be used to display the results of menu searches on a map-based interface. | 2013-06-20 |
20130159109 | Method for Exchanging Data Concerning an Electronic Transaction - A method for exchanging data concerning an electronic transaction between two entities, includes: a step which consists in determining and booking an origin address (TPOA) in conformity with a bidirectional mobile telephony (GSM) digital messaging service protocol (SMS); a step which consists in sending in accordance with the protocol (SMS), an offer message (OFFRE_SMS) of the transaction (TR), the offer message (OFFRE_SMS) being sent from the first entity (MW) and addressed to the second entity (CL); and a step which consists in sending, from the second entity (CL) and addressed to the first entity (MW), a reply message comprising an information (REP) representing acceptance or rejection of the transaction. | 2013-06-20 |
20130159110 | TARGETING USERS OF A SOCIAL NETWORKING SYSTEM BASED ON INTEREST INTENSITY - A social networking system may enable advertisers to target advertisements to users interested, in varying levels of intensity, in concepts, locations, pages, and other objects on the social networking system. Targeting criteria for advertisements may include explicit interest intensity levels in selected objects. Using past histories of user engagement, location information, and social graph information, a social networking system may generate a predictive model to estimate interest intensity levels of users in the selected objects. Advertisements may be targeted and provided to users based on interest intensity using the predictive model. | 2013-06-20 |
20130159111 | CUSTOMIZING BROWSING CONTENT BASED ON USER DATA INFERRED FROM TARGETED ADVERTISEMENTS - A system comprising a web server containing website content, where the web server is configured for receiving requests from IP addresses for the website content and delivering the requested website content from the web server to the requesting IP address. The system further comprises an inspector tool that is configured for inspecting an advertising feed targeted to a first IP address and inferring user data from the advertising feed, and also a supplemental content generator configured for generating supplemental content according to the user data inferred from the advertising feed and providing the supplemental content to the first IP address. | 2013-06-20 |
20130159112 | Advertisement Based on Application-Created Social Content - In one embodiment, a social-networking system accesses a social graph, identifies a first set of concept nodes associated with an application, connected to friends of a user, selects a second set of concept nodes from the first set of concept nodes based on edges connected to the concept nodes, and generates an advertisement for the application, where the advertisement includes information representing the concept nodes in the second set of concept nodes. | 2013-06-20 |
20130159113 | GROUP PERSONALIZATION - In one embodiment, a group of two or more individuals may be identified. A set of one or more features of the group of two or more individuals may be ascertained. An item may be selected from a plurality of items based, at least in part, upon the set of one or more features of the group of two or more individuals. The item may be recommended or presented to at least a portion of the two or more individuals. | 2013-06-20 |
20130159114 | CUSTOMIZING BROWSING CONTENT BASED ON USER DATA INFERRED FROM TARGETED ADVERTISEMENTS - Methods are provided for inferring user data based on a third-party advertising feed provided to a user while browsing a website hosted by a web server. One method includes receiving, at a web server, a request from a first user at a first IP address for content hosted on the web server, and delivering the requested content from the web server to the first IP address. An advertising feed targeted to the first IP address is inspected and user data from the advertising feed is inferred. The method then generates supplemental content according to the user data inferred from the advertising feed, and provides the supplemental content to the first IP address. | 2013-06-20 |
20130159115 | TARGETING ITEMS TO A USER OF A SOCIAL NETWORKING SYSTEM BASED ON A PREDICTED EVENT FOR THE USER - A social networking system predicts a life event (e.g., birthday, change in marital status, relationship status, etc.) for a target user based on information associated with the user. The social networking system identifies gift suggestions to provide to one or more friends of the user based on the predicted event. A gift suggestion may include an invitation to purchase or send an item, voucher, or other gift to the target user, wherein the gift may be determined based on information about the target user's interests obtained by the social networking system. The social networking system sends a gift suggestion to one or more friends of the target user, where the gift suggestion identifies the predicted life event and provides the gift suggestion to the target user's friend. The advertisement may require action by multiple of the target user's friends before the gift is sent to the target user. | 2013-06-20 |
20130159116 | METHOD FOR PREDICTING NEWS CONTENT - A news and/or search engine system predicts events and stories based on existing events, stories, etc., extracted from a knowledge domain. These predictions can be used for a number of different purposes, including locating new content and actual event outcomes. | 2013-06-20 |
20130159117 | APPARATUS, SYSTEM AND METHOD OF PROVIDING DEDICATED MOBILE APPS FOR USE BY CELEBRITIES - A system for providing a software application customized with subject matter pertaining to a celebrity, including a processor, data storage, and software thereon that implement a content provision hub operable to provide a mobile application and content related thereto for download to a user device, an advertising server operable to download an advertisement under the direction of the content provision hub to the mobile application, and a charging engine operable to effect a payment transaction between the celebrity, the user, and/or an advertiser. The system can be used by a celebrity generate a celebrity-specific downloadable mobile application by selecting templates and options that control the celebrity app appearance and operation. | 2013-06-20 |
20130159118 | System and Method for Mobile Retail Transaction Processing - A system and method for processing retail transactions using a mobile device wherein a merchant has a mobile data processing device (such as a smart phone) into which he enters information about the transaction, then prepares a message to the processor of the transaction using a magnetic stripe reader coupled to his data processing device to provide a token which is authenticated by the processor of the transaction. The system may prepare a message regarding the transaction to a customer so that the customer may participate in the transaction, e.g., by entering an account number or PIN at his terminal, content which is used by the processor without being available to the merchant. | 2013-06-20 |
20130159119 | CARDLESS PAYMENT TRANSACTIONS - A method that includes obtaining a current location of a mobile device of a customer; sending the current location to a cardless payment system; determining whether to send, to the cardless payment system, an indication of consent to perform a cardless payment transaction with the merchant; displaying on the mobile device whether the merchant is authorized to perform a cardless payment transaction with the customer. | 2013-06-20 |
20130159120 | POINT OF SALE DATA SYSTEMS AND METHODS - Point of sale (POS) data systems, methods, and apparatuses are provided. A POS data system ( | 2013-06-20 |
20130159121 | SYSTEM AND METHOD FOR CONTROLLING ACCESS TO AN ELECTRONIC ACCOUNT - The present disclosure described herein relates to a system and method for managing transaction restrictions for an account in a family of accounts through a network. The method comprises: upon receipt of a transaction request from a device in the network at a server, analyzing a restriction field associated with the account against parameters associated the transaction request. When a transaction price associated with the transaction request exceeds a value in the restriction field or when a transaction entity associated with the transaction request is present as a restricted entity in the restriction field, completion of the transaction is denied. When contents of the restriction field relating to restrictions do not match any of the parameters, completion of the transaction is allowed. The method also updates the restriction field to reflect a change request for the transaction restriction for a subsequent transaction upon receipt of the change request. | 2013-06-20 |
20130159122 | OPTIMIZER AS AN APPSTORE SERVICE - Delivering applications to devices. A method includes receiving, at an AppStore, developer provided application code. The method further includes determining anticipated usage of an application based on the application code at end user devices. The method further includes using the determined anticipated usage, optimizing the developer provided application code at the AppStore to optimize for the anticipated usage. The method further includes delivering the optimized application code from the AppStore to an end user device anticipated to use the optimized application code according to the anticipated usage | 2013-06-20 |
20130159123 | CONTENT ACCESS MANAGEMENT IN A SOCIAL NETWORKING SYSTEM FOR LOCALLY STORED CONTENT - A content access management system receives an access determination requested identifying an access rule and a requesting user. The access rule may be created in advance by the content owner at the content access management system. The access rule may allow access to content objects based on the requesting user's biographic information, geographic information, affiliation information, payment information, or any other user characteristic. The user information may be entered by the requesting user at a social networking system interface for purposes unrelated to the content object or content owner. The content access management system retrieves the identified access rule and retrieves requesting user information based on the access rule. An access determination is made based on the retrieved access rule and requesting user information, and is transmitted to the content owner. | 2013-06-20 |
20130159124 | TAG STORE SYSTEM AND METHOD FOR MAKING CONTACTLESS TAGS AVAILABLE FOR END USERS OF TAG-RELATED SOFTWARE APPLICATIONS - A tag store system and method for making contactless tags available to end users of tag-related software applications is described. The system and method employs an identifier for a tag ordering interface, which is generated using tag framework data for a contactless tag associated with a tag-related software application. The tag ordering interface allows the contactless tag to be ordered using the tag ordering interface. The identifier is included in the tag-related software application and is used to request for the tag ordering interface from an end user device running the tag-related software application. | 2013-06-20 |
20130159125 | System and Process for Managing Sale of One or More Items - A system for managing sale of one or more items, said system for performing the steps of generating predetermined activities for potential purchasers of one or more of said items before said items are available for sale; ranking the potential purchasers in accordance with results of said predetermined activities; and allocating each potential purchaser of said purchasers a time period within which he or she is permitted to purchase one or more of said items, after the items are made available for sale, in accordance with his or her ranking. | 2013-06-20 |
20130159126 | WITH-ME SOCIAL INTERACTIVITY PLATFORM - A method is disclosed for enabling a coordinated event among a plurality of user locations, in which each user location is located geographically separate from all other user locations. The coordinated event comprises a substantially synchronous rendering of a predetermined and common digital media stream at each user location. In one embodiment, the method requires that each user location identify its own personal independent source of the common digital media stream. The method then causes each user location's personal independent source of the common digital media stream to render the common digital media stream at the corresponding user location. The method then synchronizes the renderings of the common digital media stream at each user location regardless of and agnostic to each user location's personal independent source thereof. | 2013-06-20 |
20130159127 | METHOD OF AND SYSTEM FOR RATING SOURCES FOR FACT CHECKING - A fact checking system is able to verify the correctness of information and/or characterize information by comparing the information with one or more sources. The fact checking system automatically monitors, processes, fact checks information and indicates a status of the information. The sources used for fact checking are able to be rated. | 2013-06-20 |
20130159128 | SYSTEM AND METHOD FOR PROVIDING SECURITY IN VARIABLE TIME-BASED LICENSING SYSTEMS - A system and method for a software licensing system for use in e.g., a variable time-based licensing, is provided. Such a system includes a secure device, including a first computer readable medium, configured to connect to a computer, including a second computer readable medium and microprocessor. The secure device can further include a chips pool which stores inactive chips, and a chips accounting manager, operable to receive license requests for software tools and to determine whether to grant the license request. In this context “chips” can be considered a currency which can be traded to use software tools for a period of time associated with each chip. The system further includes a license server, executing on the computer. The license server can include a license manager which tracks active chips and manages activated chip check-in and checkout, and a chips cache which stores activated chips. | 2013-06-20 |
20130159129 | ENDURANCE AUCTION SYSTEM AND METHOD - An all-pay on-line auction encourages bids for auctioned property to be received throughout the auction by awarding bid behaviors. In an all-pay auction, bidders pay for each bid placed and the price of the auction property increases by an incremental amount. The final bid placed before the close of the auction has the right to acquire the auction property at the final price. In order to encourage bid placing throughout the duration of the auction, endurance bid behavior is monitored and accumulates the duration of high bids for each bidder. An award is provided to the bidder with the greatest accumulated duration. The award may be a right to purchase substantially similar property at the final price of the auction property. Additional awards may be provided for bidders placing a maximum number of bids and own-it-now credits allowing non-winning. | 2013-06-20 |
20130159130 | Method of Electronically Conducting Virtual Exchange Under Negotiation of Goods and Services in a System Over a Communication Network - The invention relates to a method of electronically conducting virtual exchange under negotiation of goods and services in a system over a communication network, the system comprising: web server displaying the detailed data in respect of exchangeable commodity or services; a hand-held device enabled to access the web server via internet, the device having at least one input means, a processor, and a display means; and a client node configured to communicate in real time through the web-server with the hand-held device, the method comprising the steps of inputting a base data by the hand0-held device via the internet, the data representing selection of one a commodity and service; the features including price of the Selected Commodity or product displayed on the web server transmitted to the hand-held device in the form of animated characters; transmitting an offered price data to the client node through the web Server by the hand-held device, determining the acceptability or otherwise of the offered price of the client node and retransmitting via the web server the result of said determination to the hand-held device; and transferring the commodity or services under the agreed condition upon selection of settlement terms on consideration criterion to the user of the hand-held device by the user of the client node. | 2013-06-20 |
20130159131 | INTERACTIVE REQUEST FOR PROPOSAL AND RESPONSE ANALYSIS SYSTEM AND METHOD - An interactive request for proposal and response analysis system and method whereby a user may use a user workstation to access a list of subjective characteristics for buildings and enter user specific preferences for at least some of the subjective characteristics. An agent may use an agent workstation to select buildings for receiving requests for proposals, where the requests for proposals each includes the list of subjective characteristics, and send the requests for proposals to landlords for the buildings. The landlords may use at least one landlord workstation to receive and access the requests tor proposals and each landlord may enter a response for each subjective characteristic, where the entered responses for the subjective characteristics. The entered user specific preferences are compared with the entered landlord responses for the subjective characteristics for each of the plurality of buildings and a score is calculated for each building based on the comparison. | 2013-06-20 |
20130159132 | Targeting Items to a User of a Social Networking System Based on a Predicted Event for the User - A social networking system predicts a life event (e.g., birthday, change in marital status, relationship status, etc.) for a target user based on information associated with the user. The social networking system identifies gift suggestions to provide to one or more friends of the user based on the predicted event. A gift suggestion may include an invitation to purchase or send an item, voucher, or other gift to the target user, wherein the gift may be determined based on information about the target user's interests obtained by the social networking system. The social networking system sends a gift suggestion to one or more friends of the target user, where the gift suggestion identifies the predicted life event and provides the gift suggestion to the target user's friend. The advertisement may require action by multiple of the target user's friends before the gift is sent to the target user. | 2013-06-20 |
20130159133 | CONSUMABLE COMPONENT SALES SYSTEM, ELECTRONIC STORE PROVIDING DEVICE, CONTROL METHOD, AND PROGRAM - A consumable component sales system of the invention is a consumable component sales system that sells, at an electronic store, a plurality of consumable components to be periodically replaced, among a number of components constituting a machine. The consumable component sales system includes an electronic store providing device that provides an electronic store through a communication line to a customer terminal used by a customer. The electronic store providing device includes a correlation value data receiving unit, a time-for-replacement estimating unit, a recommended replacement component specifying unit, a sales page generating unit, and a web page transmitting unit. | 2013-06-20 |
20130159134 | METHOD AND SYSTEM TO RECOMMEND APPLICATIONS FROM AN APPLICATION MARKET PLACE TO AN ELECTRONIC DEVICE - a method and system are provided for populating an electronic device registered for a user with applications from an application platform that the electronic device is operating with. The method is carried out by an application recommendation node. The method includes the acts of collecting a user profile for the user and an identifier for the electronic device, selecting a list of applications from the application platform based on the user profile, associating the list of applications with the identifier, receiving notification of a first presentation of the identifier following the association, and pushing the list of applications to the electronic device corresponding to the identifier following the notification. | 2013-06-20 |
20130159135 | SYSTEM AND METHOD FOR AUTOMATED LABORATORY INVENTORY MANAGEMENT USING RFID TECHNOLOGY - In one aspect, a computer readable memory medium comprising program instructions for graphically developing a connectivity driver is provided. The computer readable memory medium is a non-transitory medium. The program instructions are executable by a processor to generate a purchase order for a laboratory item, transmit the purchase order to a remote computer in order to communicate the purchase order to a vendor, receive an advance shipping notice generated in response to the purchase order, receive item information stored in an RFID tag of a tagged item received at the delivery location, and check the item information against the advance shipping notice in order to verify that the tagged item is the same as the ordered laboratory item. The purchase order specifies a delivery location. | 2013-06-20 |
20130159136 | METHOD OF TRADING-IN APPLICATION, AND MARKET SERVER IMPLEMENTING THE SAME - A method of trade-in-selling an application to a user equipment by a market server, includes: searching trade-in target applications corresponding to trade-in items from applications sold to the user equipment; transferring a subscription message including a list of the trade-in target applications and a trade-in sale condition to the user equipment; receiving an acceptance message including return application information to be returned under the trade-in sale condition from the user equipment; deleting the return application from the user equipment and transferring a new application associated with the trade-in sale condition to the user equipment; and processing a settlement based on the trade-in sale condition when the user equipment completes installation of the new application. | 2013-06-20 |
20130159137 | APPROACH FOR ARBITRATING SUBSCRIPTION CONFLICTS IN PACKAGE-BASED SUBSCRIPTIONS - An approach is provided for creating and managing pricing models and subscriptions for packages. As used herein, the term “package” refers to a logical entity that has one or more member applications, where each of the member applications provides one or more services. One or more pricing models may be assigned to a package and made available to subscribers and the pricing models assigned to a package may be changed. Users may subscribe to one or more packages and incur charges based upon the pricing models assigned to the packages to which the users subscribe. Embodiments include providing a graphical user interface for service providers to create and manage packages, define pricing models and to manage pricing model assignments for packages. Embodiments also include providing a graphical user interface for subscribers to view available applications and packages in a “marketplace” and to subscribe to packages and manage their subscriptions. | 2013-06-20 |
20130159138 | FRAUDULENT-PURCHASE ALARM SYSTEM, FRAUDULENT-PURCHASE ALARM METHOD, AND RECORDING MEDIUM - A fraudulent-purchase alarm system for issuing an alarm about a fraudulent purchase of an article for sale includes: a first storage that stores a price of the article for sale; a second storage that stores purchase amounts of articles for sale purchased by a user of the fraudulent-purchase alarm system; a third storage that stores an upper limit of a total purchase amount of the user; and a controller that, upon receiving a purchase request to purchase the article for sale and identification information about the user, refers to the first to third storages to issue an alarm about a fraudulent purchase if a sum of the purchase amounts of articles already purchased by the user identified by the identification information and the price of the article for sale indicated in the purchase request exceeds the upper limit, wherein the controller lowers the upper limit if a predetermined condition for preventing a fraudulent purchase is met. | 2013-06-20 |
20130159139 | Systems and Methods for Service Delivery of Automatic Service Level Agreements - A method for delivering the services of automatic service level agreements includes receiving a customer's selection through a service manager portal of a number of services offered by a number of third-party service providers; and invoking underlying contracts with the number of third-party service providers that correspond to the selected services. The underlying contracts are modified when created based on an evaluation of each of the third-party service providers. | 2013-06-20 |
20130159140 | Systems and Methods for Online Matching of Consumers and Retailers - Systems and methods match buyers and sellers of goods and/or services online. More specifically, a website facilitates a search by consumers of retailers for goods and/or services. In addition, the website facilitates the advertising of goods and/or services by retailers. Specifically, a user of the system may search for particular products and services, and/or businesses. Interactive maps provide a user with location information of businesses and/or service providers that fit one or more criteria searched by the user. Icons may be generated on the map, whereupon users may obtain information relating to products or services searched for by selecting the icons. Further information may also be obtained relating to the businesses, service providers, products and/or services of the businesses and/or service providers. Users may select to buy particular products and/or services directly from the businesses and/or service providers, or may tag products and/or services for viewing at a later time. Moreover, users may correspond with others for recommending and/or reviewing particular products, services, businesses and/or service providers. | 2013-06-20 |
20130159141 | Computing Device for Custom Golf Club Fitting - In an example embodiment, a method is provided using a computing device that has a sensor for custom golf club fitting. Here, a hand dimension is detected using the sensor of the computing device. The hand dimension correlates to a grip size of a golf club. A query is composed with a parameter based on the detected hand dimension. The query is then communicated to an online platform that facilitates sales of golf clubs. In response to the query, an inventory of a number of the golf clubs having the grip size is received from the online platform. | 2013-06-20 |
20130159142 | SYSTEM AND METHOD FOR AUTOMATING REAL ESTATE MATCHING - The present invention generally relates to computer implemented real estate services. Specifically, this invention relates to a computer implemented system and method for automatically matching users with real estate (e.g., apartments, rental units, condos, houses) that both fit a user's criteria, but also for which the system has received pre-approval for based on one or more criteria associated with the user (e.g., credit scores). | 2013-06-20 |
20130159143 | METHOD, SYSTEM AND SOFTWARE PRODUCT FOR SELECTING TOILET REPAIR PRODUCTS - A method, system and software product provides a comprehensive toilet repair product selector guide. A search engine is made available to consumers, retail sellers and others in an “on-line” format. Such a method, system and software product will provide the user with prompts and guidance for diagnosing toilet problems, improving toilet performance and realizing water savings. The method, system and software product of the present invention would be accessible using mobile encoding technology, personal digital assistants (such as “smart phones” and the like) and other personal computing devices. | 2013-06-20 |
20130159144 | SYSTEM AND METHOD FOR PROVIDING ALTERNATIVE FULFILLMENT FOR A BUYER'S UNFULFILLABLE ORDER - A method and a system for providing an alternative fulfillment for a buyer's unfulfilled order are described. The system has an order fulfillment issue detection module, an alternative fulfillment qualification module, a replacement item matching module, and a replacement item order module. The order fulfillment issue detection module detects a fulfillment delay of an item in an order placed in an online marketplace. The alternative fulfillment qualification module determines whether the fulfillment delay qualifies for an alternative fulfillment order. The replacement matching module determines a replacement item for the item. The replacement item order module cancels the order and replaces the order with the alternative fulfillment order for the replacement item. | 2013-06-20 |
20130159145 | System and Method for Processing Product Orders - A method of processing a product order is disclosed. The method includes receiving a product order from a consumer and selecting a fulfiller to fulfill the product order. A system for processing a product order is also disclosed. | 2013-06-20 |
20130159146 | MANAGING CONSISTENT INTERFACES FOR 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 an individual material bill of material and/or an order tracking view business object. | 2013-06-20 |
20130159147 | APPROACH FOR MANAGING PACKAGE-BASED SUBSCRIPTIONS FOR SUBSCRIBERS - An approach is provided for creating and managing pricing models and subscriptions for packages. As used herein, the term “package” refers to a logical entity that has one or more member applications, where each of the member applications provides one or more services. One or more pricing models may be assigned to a package and made available to subscribers and the pricing models assigned to a package may be changed. Users may subscribe to one or more packages and incur charges based upon the pricing models assigned to the packages to which the users subscribe. Embodiments include providing a graphical user interface for service providers to create and manage packages, define pricing models and to manage pricing model assignments for packages. Embodiments also include providing a graphical user interface for subscribers to view available applications and packages in a “marketplace” and to subscribe to packages and manage their subscriptions. | 2013-06-20 |
20130159148 | SYSTEM AND METHOD FOR AN ONLINE PROFIT CENTER AND SEGMENT DERIVATION - A system and method are described herein that provide a system for deriving profit centers and segments during reporting instead of during posting. Reference objects are stored in posted documents and the derivation of the profit center and segment occurs dependently during the later stage of reporting, after the general ledger items have been extracted. A time dependent assignment of profit centers to reference objects is immediately visible in the balance sheet and/or income statement. The system and method further allow for an easy implementation for reorganization, where reorganization may even be implemented retroactively. | 2013-06-20 |
20130159149 | INTEGRATING PARTNER ERP SYSTEM INTO A HOST FINANCIAL SYSTEM USING GENERIC COST OBJECTS - Systems and methods to provide integration of partner ERP systems into a host financial system using generic cost objects. In example embodiments, an accounting system having a generic cost object is maintained. A user interface for creating a configured cost object that represents a specialized business item is provided. Data that mirrors the configured cost object is received, which results in a mirror cost object. Accounting operations are performed in the accounting system based on the mirror cost object and a corresponding business control set by replacing the generic cost object with the mirror cost object. Output based on performance of the accounting operations based on the mirror cost object and corresponding business configuration set are provided. | 2013-06-20 |
20130159150 | MOBILE DEVICE DATA METERING, BANDWIDTH ALLOCATION, AND TRAFFIC CONTROL - A device receives data usage information associated with application server devices and user equipment, and determines time-based prices for data usage based on the data usage information. The time-based prices include at least a first price for data usage during a peak time period, and a second price, less than the first price, for data usage during a non-peak time period. The device also provides the time-based prices for data usage to the application server devices, and the application server devices provide data to the user equipment at different time-based prices depending on a time when the data is provided to the user equipment. | 2013-06-20 |
20130159151 | Determining Change in Interchange Rate - This document describes tools capable of auditing and/or determining changes in card-issuer interchange rates charged for credit-card transactions. The tools may do so automatically and with user interaction for large amounts of transactions. | 2013-06-20 |
20130159152 | Systems and Methods for Administering Deposit Accounts - Disclosed are systems, methods and computer program products for managing deposit accounts. A computer-based account management system allocates depositor funds among a plurality of FDIC-insured deposit accounts held in a plurality of deposit institutions, such as savings banks. The deposit accounts are preferably non-interest-bearing transaction accounts typically used for payroll and other operating expenses. The account management system establishes a deposit limit for each deposit institution to ensure that an individual's deposits at any deposit institution remains below the FDIC insurance limit. The system also stabilizes the deposit base by facilitating movement of funds to and from participating deposit institutions. The system automatically reconciles all balances and account activity on a daily basis and performs an automated daily allocation process to allocate deposits among the participating deposit institutions. The allocation process is performed in an unbiased manner using an equal, random, pro rata or first-come, first-served allocation. | 2013-06-20 |
20130159153 | Apparatus and methods for energy management system - Apparatus for providing energy management with automation control features are invented. Power consumption details for building or household can be known as well as the expected power bill in advance. The operation status of specific appliance can also be monitored and controlled. Wireless technology is used as a communication medium with a plurality of appliances which facilitates the management of energy consumption with different applications, like checking the operation status, operating hours and consumption data. An advanced feature of communication with the utility provides power information and instant messaging to users. A consumption target can also be set to economize the electricity bill. | 2013-06-20 |
20130159154 | WALLET SERVICE ENROLLMENT PLATFORM APPARATUSES, METHODS AND SYSTEMS - The WALLET SERVICE ENROLLMENT PLATFORM APPARATUSES, METHODS AND SYSTEMS (“WSEP”) facilitates the enrollment of payment accounts in a consumer's virtual wallet. The consumer may be logged into their payment account issuer's web site and designate one or more payment accounts for enrollment in a virtual wallet. The issuer may then share account, billing and/or other relevant information with the virtual wallet provider to facilitate the enrollment of the designated payment accounts in the virtual wallet. The WSEP may also be configured to facilitate the creation and funding of pre-paid accounts in a consumer's virtual wallet. | 2013-06-20 |
20130159155 | TECHNIQUE FOR AUTOMATICALLY INPUTTING DATA INTO AUTO BUDGET BOOK - Disclosed is a technique for automatically inputting information into an auto budget book program. More specifically, an auto-budget-book-program is installed within an AVN (Audio Video Navigation) system and is run each time a vehicle equipped with an AVN is refueled. The AVN system monitors a fuel gage sensor to determine when the vehicle is being refueled and activates the auto budget program as result of such a determination. Additionally, this information provided by fuel gage sensor is automatically input into the AVN system to induce users to utilize an auto budget book and as a result reduce fuel costs | 2013-06-20 |
20130159156 | DUAL-ACTIVATION FINANCIAL PRODUCTS - A system operating in conjunction with a financial account permits joint activation of a card associated with the financial account. An event-detection module detects an event related to the card and an authorization component for permitting certain individuals to use the card. A messaging module generates account-related messages and transmitting these messages to individuals associated with the financial account. | 2013-06-20 |
20130159157 | ENERGY-DISUTILITY MODELING FOR AGILE DEMAND RESPONSE - An energy management system identifies one or more energy-load components, and generates an energy-disutility graph for the identified components. The energy-disutility graph can include, for each of a sequence of discrete time instances, one or more vertices that each corresponds to an alternative operating state for a component. Further, an arc that couples two vertices indicates an energy-disutility model corresponding to energy and disutility costs for the component. The energy management system also communicates an energy-demand bid to the energy provider, such that the energy-demand bid includes the energy-disutility graph. | 2013-06-20 |
20130159158 | SYSTEM AND METHOD FOR PROVIDING LATENCY PROTECTION FOR TRADING ORDERS - A system for managing trading orders comprises a memory operable to store an order associated with a first price. The system further comprises a processor communicatively coupled to the memory and operable to identify a latency value. The processor is further operable to receive a counterorder and to identify a potential trade associated with the order and the counterorder, the potential trade based at least in part on the first price. If the latency value satisfies a configurable condition, the processor is further operable to initiate a configurable period of time. If the potential trade is not valid upon expiration of the configurable period, the processor is further operable to prevent the execution of the potential trade. | 2013-06-20 |
20130159159 | Method of Creating and Trading Derivative Investment Products Based on a Statistical Property Reflecting the Variance of an Underlying Asset - A method of creating and trading derivative contracts based on a statistical property reflecting a variance of an underlying asset is disclosed. Typically, an underlying asset is chosen to be a base of a variance derivative and a processor calculates a value of the statistical property reflecting an average volatility of price returns of the underlying asset over a predefined period. A trading facility display device coupled to a trading platform then displays the variance derivative based on the value of the statistical property reflecting the volatility of the underlying asset and the trading facility transmits variance derivative quotes from liquidity providers over at least one dissemination network. | 2013-06-20 |
20130159160 | METHOD AND SYSTEM FOR CREATING AND TRADING DERIVATIVE INVESTMENT PRODUCTS BASED ON A STATISTICAL PROPERTY REFLECTING THE VARIANCE OF AN UNDERLYING ASSET - A system and method for creating a limited risk derivative based on a realized variance of an underlying equity is disclosed. In one implementation, a limited risk derivative product includes a capped value for a statistical property reflecting a variance of the underlying equity is calculated based on a pari-mutuel action. The capped value comprises a dynamic value and a cap. The dynamic value reflects an average volatility of prices returns of the underlying equity over a predefined period of time and the cap reflects a maximum value of the dynamic value. The limited risk derivative product additionally includes an average of a summation of each squared daily return of the underlying equity included in the value for the statistical property reflecting the variance of the underlying equity. | 2013-06-20 |
20130159161 | SYSTEM AND METHOD FOR CREATING AND SUPPLYING PARTICULAR DATA CONSTRUCTS IN EVALUATING WHETHER TO BUY OR SELL A TRADED SECURITY - A system and method for transforming raw trading data for a traded security so as to create new financial data constructs, which constructs can further be used in traditional methods and using other methods disclosed herein to assist in evaluating whether to buy or sell a traded security. Various trading methods, using the new data constructs, are further disclosed. New financial data constructs, including particularly Real Buying Pressure (RBP) and Real Selling Pressure (RSP), are further disclosed. | 2013-06-20 |
20130159162 | METHOD AND INTERFACE FOR PRESENTING LAST TRADED QUANTITY INFORMATION - Trading software may receive trading information from an exchange. The trading software may use the trading information to compute an estimate of last traded total sweep quantity. The trading software may also display the last traded total sweep quantity on a trading screen. | 2013-06-20 |
20130159163 | SECURITIES TRADING SYSTEM AND DEVICE - According to one embodiment, a securities trading system comprises a plurality of order sharing devices and a plurality of ordering devices. The order sharing device sends each telegram to the ordering device of a master system and the order sharing device of a slave system. The order sharing device sends each of the telegrams to the ordering device of the slave system to switch from the slave system to the master system when a failure is detected in the ordering device of the master system. The ordering device calculates statistics from market information, and uses the statistics to judge whether to permit the placement of an order with the stock exchange apparatus in the case of the master system. | 2013-06-20 |
20130159164 | METHOD AND SYSTEM FOR ANONYMOUSLY MATCHING DEBTORS WITH DEBT HOLDERS TO FACILITATE RESOLUTION OF NON-PERFORMING DEBT - A method and system for anonymously matching debtors with debt holders to facilitate resolution of non-performing debt are disclosed. The method and system involve creation of an anonymous debt database such that non-parties to the debt may comply with regulations regarding maintaining confidentiality of debtor information. The anonymous debt database may be made available to be searched by a debtor using one or more anonymous search parameters to identify any debt in the database that is associated with the debtor. The method is designed and adapted to execution on a computer network system. | 2013-06-20 |
20130159165 | AUTOMATED PROCESS GUIDANCE APPLICATION AND METHOD FOR CREDIT INSTRUMENT ORIGINATION, ADMINISTRATION AND FRACTIONALIZATION SYSTEM - A system and method for guiding a user through a complex process are disclosed. The system permits a credit originator as an originating user of the system to enter into, be guided through, and complete a process for the administration, monitoring, quality control and fractionalization of any credit or similar instrument it originates and inputs into the system without such user having substantial knowledge of such process. The system further permits the automated coordination of third party purchasers or investors as participating users of the system to evaluate an originating user's inputs and acquire standardized fractional ownership interests in any credit or similar instrument processed through the system in reliance upon certain preconditions that have been methodically introduced to the system for purposes of the guidance of all users. | 2013-06-20 |
20130159166 | Methods and Systems for Facilitating a Real Estate Transaction - Methods and systems for facilitating the sale of real estate, including receiving assets to be held in an account, restricting the account so that at least a portion of the assets are disbursed from the account to the buyer or a lender only if a loss resale event occurs in which the real estate is resold by the buyer or lender for a loss within a specified period, and in response to determining that the loss resale event has occurred, disbursing the portion of the assets to the buyer or lender to at least partially remedy the loss. | 2013-06-20 |
20130159167 | 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. | 2013-06-20 |
20130159168 | 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. | 2013-06-20 |
20130159169 | SYSTEM, APPARATUS AND METHOD FOR SEGREGATING DATA IN TRANSACTIONS VIA DEDICATED INTERFACE ELEMENTS FOR ISOLATED LOGIC AND REPOSITORIES - Embodiments relate generally to computer software and computing devices, and more particularly, to a system, an apparatus and a method configured to segregate data at an interface of a computing device to facilitate on-line electronic payment transactions. In one embodiment, a method includes presenting fields configured to accept a first type of data and to accept a second type of data for an on-line electronic payment transaction. The method includes generating an initialization signal for transmission to an isolated data management system to initialize a portion of a memory associated with first type of data, responsive to an interaction with a field, receiving data from the field, and generating a save signal to save the data from the field in a portion of the memory. This can be responsive to a second interaction with the field. | 2013-06-20 |
20130159170 | SYSTEM AND METHOD FOR FACILITATING ELECTRONIC FINANCIAL TRANSACTIONS DURING A PHONE CALL - A payment button on a device capable of making telephone calls, such as a mobile phone, allows a payer to electronically transfer money while in a phone call with a payee. The payment button also allows a payee to initiate an electronic payment transaction while in a phone call with a payer. The payment button may be a clickable or tappable virtual button presented on a display of the phone when being used to make or receive a call. The payer or the payee can simply enter a payment amount on the phone to complete an electronic payment transaction. A notification of payment is instantly transmitted to the phones being used for the phone call, so that the parties can safely and conveniently conclude a purchase and/or payment transaction during one phone call. | 2013-06-20 |
20130159171 | Money Transfers for Tax Refunds - Tax refunds are provided via a money transfer service. Merely by way of example, a taxpayer (or a tax preparer) might provide to the IRS an account number at a bank, as a target for a direct deposit refund related to a tax return. In an aspect, the account number might have a specific format that informs the bank that the refund is to be processed by the money transfer service, and in another aspect, the account number might include data that identifies the taxpayer to the money transfer service. | 2013-06-20 |
20130159172 | ONLINE REMITTANCE SYSTEM AND METHOD USING MOBILE TERMINAL TO PROVIDE TIPPING SERVICE OR SUPPORT SERVICE - The present invention relates to a recognition means for a targeted recipient who will receive payments, and to an online remittance system and method that perform micro-payment by scanning or directly entering the recognition means, so that a predetermined amount of money can be automatically remitted to a targeted tip recipient or a targeted support recipient. | 2013-06-20 |
20130159173 | Shared Mobile Payments - Methods and systems are provided for facilitating shared mobile payments. According to an embodiment, a user can initiate a purchase using a mobile device. The mobile device can display a total price for the purchase. The first user can cooperate with one or more second users to share the cost of the purchase. The cooperation can be facilitated via the first and second users' mobile devices. | 2013-06-20 |
20130159174 | SYSTEMS, METHODS, AND APPARATUS FOR ENHANCING AND UTILIZING OWED-VALUE ACCOUNTS - Systems, methods, and apparatus for enhancing and utilizing owed-value accounts are provided, including, in accordance with some embodiments, automatically utilizing the remaining balance of an owed-value account to purchase a product or service on behalf of the owner of the owed-value account. | 2013-06-20 |
20130159175 | PERSON-TO-PERSON PAYMENTS: CONTEXTUAL SPENDING - Receiving at a payment system a request associated with a first party to make a payment to a second party. Recommendations for utilizing the payment are evaluated based on a profile of the second party. The payment and a recommendation for utilization of the payment are sent to the second party. The recommendation that is sent is based on a profile of the second party and may include shopping at a physical store, shopping at an online store, ordering from a catalog, saving in an account, ordering a credit card, ordering a debit card. A transaction fee associated with the payment, and a portion of the fee to be paid by each party is calculated. | 2013-06-20 |
20130159176 | 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. | 2013-06-20 |
20130159177 | COORDINATING LICENSE ACTIVATION OF LICENABLE AUDIO VIDEO (AV) DEVICE COMPONENTS BETWEEN CONTRACT MANUFACTURER AND BRAND MANUFACTURER - A server for reducing license fee payments to account for non-use of a licensed component includes a processor and a computer readable storage medium. The computer readable storage medium is accessible to the processor and bears instructions which, when executed by the processor, cause the processor to determine, for a license period, a first number of consumer electronic (CE) devices that have activated the licensed component. The instructions also cause the processor to determine, for the license period, a second number of CE devices that have not activated the licensed component. In addition, the instructions cause the processor to generate a license fee payment index related to the licensed component based on the first number and excluding the second number. | 2013-06-20 |
20130159178 | System and Method For Loading A Virtual Token Managed By A Mobile Wallet System - A method and system include receiving a payment account number from a token, such as a traditional credit card. Either the payment account number or a token is communicated over a communications network to a mobile wallet system and/or a vault. A first authorization code may be generated in response to receiving the payment account number or token. Next, the first authorization code is then transmitted over the communications network for relaying the first authorization code to a portable computing device, such as a mobile phone. The portable computing device receives the authorization code and re-transmits the code (as a second authorization code) over the communications network. Subsequently, the first and second code from the portable computing device are compared to determine if a match exists. If a match exists, then the payment account number is loaded into the mobile wallet system for use as a virtual token. | 2013-06-20 |
20130159179 | MOBILE DEVICE FOR PROCESSING APPLICATION OF CLIENT DEVICE AND METHOD FOR PROCESSING APPLICATION OF CLIENT DEVICE USING THE SAME - A mobile device for processing an application of a client device includes an application information acquisition unit configured to, when a client device receives an image signal or an audio signal converted from an application information including one or more of electronic signature requirement, payment requirement, or user authentication requirement from a web service device and plays the received image signal or the audio signal, acquire the played image signal or the audio signal. Further, the mobile device includes an e-wallet application unit configured to convert the acquired image signal or the audio signal into the application information, execute and process one or more application of electronic signature, payment, or user authentication according to the application information, and then provide the result of processing the application to the web service device. | 2013-06-20 |
20130159180 | WALLET BANKING SYSTEM - A Wallet Banking System (WBS) for handling large volume transactions is disclosed. This invention relates to banking systems, and more particularly to wallet banking systems. Existing banking systems charge a certain amount on per transaction basis. As a result, the customer will have to pay a considerable amount for every transaction transactions that he makes. The disclosed method creates a wallet account for every core bank account of a customer that requires payments. An amount of money is automatically made available from the customers' core bank account to the customers' wallet account in WBS by using lien facility. The amount made available to the wallet account, there after becomes available for making payments from WBS. WBS will post a consolidated entry at the end of the day into customers' operational account in CBS thus reducing the entries that get posted into the CBS to a minimum. | 2013-06-20 |