26th week of 2009 patent applcation highlights part 54 |
Patent application number | Title | Published |
20090164283 | System and method for reception time zone presentation of time sensitive scheduling data - Presenting time frame elements of time sensitive scheduling data to an entity based on a reception time zone related to a passive delivery via a time sensitive scheduling data delivery network is described. A communications network passive delivery of time zone adjusted time sensitive scheduling data is accommodated to an entity. Specific time zone adjusted time sensitive scheduling data from originating organizations, affiliated groups of individuals, and individuals are aggregated into time sensitive scheduling data streams. Then the specific time zone adjusted time sensitive scheduling data streams aggregated from multiple originating organizations, affiliated groups of individuals, and individuals are transmitted via the communications network to the entity. Finally, the time sensitive scheduling data is presented in a manner affording the time zone adjustment based on a reception time zone in which the time sensitive scheduling data is being presented. | 2009-06-25 |
20090164284 | CUSTOMER SHOPPING PATTERN ANALYSIS APPARATUS, METHOD AND PROGRAM - A customer shopping pattern analysis apparatus includes a correlating information storage section, and a sub-area information storage section. Upon receiving specifications of a particular sub-area as analysis conditions, flow line data of customers who passed through the particular sub-area are extracted based on information specifying the particular sub-area in the sub-area information storage section and based on the flow line data of each of the customers. In addition, transaction data correlated with the flow line data extracted is specified with reference to data in the correlating information storage section. Then, information about correlations between the flow line data extracted and the transaction data is created. From the thus created information, the apparatus analyzes the shopping patterns of the customers in the shop. | 2009-06-25 |
20090164285 | AUTO-CASCADING CLEAR TO BUILD ENGINE FOR MULTIPLE ENTERPRISE ORDER LEVEL PARTS MANAGEMENT - Embodiments of the present invention provide a method, system and computer program product for an auto-cascading clear to build (CTB) tool for multiple enterprise parts management. A method for auto-cascading (CTB) for multiple enterprise parts management can include receiving a demand resulting in an inventory requirement to satisfy the demand, soft allocating inventory meeting a portion of the inventory requirement from multiple different intra-plant locations in an order of priority specified by a set of inventory location priority rules, further soft allocating inventory meeting a remaining portion of the inventory requirement from inventory of multiple different external suppliers in an order of priority specified by the set of inventory location priority rules, and hard reserving the soft allocated inventory and updating inventory levels both in each of the intra-plant locations and also in the external suppliers. | 2009-06-25 |
20090164286 | APPLICATION PROGRAM INTERFACE AND GRAPHICAL USER INTERFACE FOR DISTRIBUTING AN ADVERTISEMENT BUDGET IN A MOBILE ENVIRONMENT - Systems and methods for allocating advertisement budget information is provided. In one implementation, the method may include receiving, via a user interface, a total budget for an account comprising at least one mobile based advertisement campaign and receiving, via the user interface, distribution information for apportioning the total budget over at least a mobile based advertisement campaign of the at least one mobile based advertisement campaign. | 2009-06-25 |
20090164287 | METHOD AND APPARATUS FOR OPTIMIZING PRESENTATION OF MEDIA CONTENT ON A WIRELESS DEVICE BASED ON USER BEHAVIOR - Methods, apparatus, systems, and computer program products are presented for optimizing the presentation of media content, such as advertising content, on a wireless device. The present aspects provide for determining, at the wireless device, which media content to present based on historical user usage behavior stored locally on the wireless device. In this regard, the described methods, apparatus, and systems are completely wireless device-based and, as such, do not require for back-end servers or other network devices to intervene in deciding what media content should be communicated to the wireless device and/or presented on the wireless device. Therefore, the present aspects provide for a simple and cost effective approach to targeted media content presentation that additionally affords the wireless device user a level of privacy. | 2009-06-25 |
20090164288 | Scheduling Apparatus, Scheduling Method and Recording Medium - Has a resource/period management part ( | 2009-06-25 |
20090164289 | CALL CENTER SCHEDULE COMPLIANCE MANAGEMENT - A method for call center schedule compliance management includes an information handling system (IHS) obtaining schedule information. The schedule information is associated with a schedule of an agent. The IHS obtains activity information. The activity information is associated with an activity of the agent. The IHS compares the schedule information with the activity information to determine whether a schedule violation has occurred. The IHS produces schedule violation information in response to determining that the schedule violation has occurred. The IHS analyzes the schedule violation information. | 2009-06-25 |
20090164290 | SYSTEM AND METHOD FOR ACTIVITY SCHEDULING - A system and method for a shift management system which is implemented over a computer network and may include graphical user interfaces that allow users, such as mangers, to define shifts, define activities for those shifts, and create personnel profiles for employees. The same or different managers may also assign shifts to employees and assign activities to those shifts. | 2009-06-25 |
20090164291 | Methods and Systems for Evaluating Outsourcing Potential - A system, method, and interactive computer program product are provided for interactively analyzing sourcing options for positions within an organization utilizing a multidimensional, multi-factor analysis. Additionally, this technology provides for evaluating positions in an organization, evaluating the potential for outsourcing, and determining from where to source candidates for the positions in an objective, timely, and cost-effective manner. The dimensions include short-term, tactical drivers and long-term, strategic drivers. The factors include intellectual property, customer facing, availability of skills in the local marketplace, flexibility, communications channels utilized, cost, duration, and organization readiness to procure externally sourced candidates. An interactive, on-screen interview questionnaire and coach is utilized. The system is reconfigurable on a per-client basis. Dimensions and factors are added as required and scales, factors weightings, and benchmark values are adjustable by a user. | 2009-06-25 |
20090164292 | Method of Filling Vacancies, and Server and Program for Performing the Same - A schedule management server is provided to precisely fill vacancies. A computer ( | 2009-06-25 |
20090164293 | System and method for time sensitive scheduling data grid flow management - Controlling the flow of content and receipt of time sensitive scheduling data via a time sensitive scheduling data delivery network is described. This may involve accommodating the management of the display of potentially voluminous time sensitive scheduling data. This may also involve making all of the relevant time sensitive scheduling data information available from high capacity remote data stores accessible to all of a user's time sensitive scheduling data receiving devices via a time sensitive scheduling data network, and on demand by time sensitive scheduling data display zone category to the user's time sensitive scheduling data receiving devices. The user may dynamically manage which display zone classes and subclasses of time sensitive scheduling data appear, what time frame appears and how much time sensitive scheduling data appears on the user's time sensitive scheduling data receiving device display screens. | 2009-06-25 |
20090164294 | GEOGRAPHIC DEMAND DISTRIBUTION AND FORECAST - A computerized method and a system for providing geographic demand distribution and forecast are provided. Example embodiments may include receiving a criterion to identify an item and searching a database for data associated with a geographic distribution of demand for the item identified by the criterion. The computerized method may also include presenting the geographic distribution of the demand for the item on a map. The map may display multiple geographic areas; each one of the multiple geographic areas may be displayed with a first and a second attribute. The first and the second attributes may be associated with the demand. | 2009-06-25 |
20090164295 | DEVICE, SYSTEM, AND METHOD OF DYNAMIC MODIFICATION OF SALE TERMS OF ELECTRONIC TRANSACTIONS - Device, system, and method of dynamic modification of sale terms of electronic transactions. For example, a system for electronic transactions includes a computer to store a set of sale terms associated with a product offered for sale, to receive a supply/demand alert associated with the product, to automatically modify one or more terms of the set of sale terms based on the supply/demand alert, and to provide to a client device the modified set of sale terms. | 2009-06-25 |
20090164296 | SCHEDULING TRANSIENT ONLINE ADVERTISEMENTS - Methods and apparatus for providing transient advertisement for a product during a specific time period are provided. At the beginning of the time period, the product becomes available, and at the end of the time period, the product becomes unavailable. An optimal advertising period within the time period for advertising the product is determined based on historical data obtained for other products having similar features or characteristics as the product. An advertisement schedule is planned for the product, such that product advertisement is increased during the optimal advertising period. The product is advertised during the time period based on the advertisement schedule. Optionally, the optimal advertising period and/or the advertisement schedule are adjusted as needed based on the current data, such as click-through rate and/or purchase rate, obtained for the product since the product advertisement begins. | 2009-06-25 |
20090164297 | INTEGRATED BUSINESS DECISION-MAKING SYSTEM AND METHOD - An integrated business decision-making system is provided. The system comprises a data processing component, a prediction component and an optimization component. The data processing component is configured to process observational data related to one or more members of a target population. The prediction component is configured to predict a business measure based on one or more selected combinations of marketing actions and the observational data related to one or more of the members of the target population. The optimization component is configured to determine an optimal marketing action based on one or more of the selected combinations of marketing actions and the predicted business measure associated with each of the marketing actions. The optimization component is further configured to determine an optimal predicted business measure for the members of the target population, based on the optimal marketing action. | 2009-06-25 |
20090164298 | System and Method for Market Reserve Price Modeling in Online Auctions with Advanced Match - Apparatuses, methods, and systems directed to the estimation and modeling of market reserve prices for bidded terms in online keyword auctions with advanced match. Some embodiments of the invention estimate advertiser value distributions and advertiser bid distributions for the bidded terms and derive expected overall revenue. An optimization technique may be used to find the optimal market reserve prices for the bidded terms that maximize the expected overall revenue. In some other embodiments, a query is received for which a market reserve price is determined and exact and advanced matched advertisements are reordered for output and display. | 2009-06-25 |
20090164299 | SYSTEM FOR PROVIDING A USER INTERFACE FOR DISPLAYING AND CREATING ADVERTISER DEFINED GROUPS OF MOBILE ADVERTISEMENT CAMPAIGN INFORMATION TARGETED TO MOBILE CARRIERS - A system is described for providing a user interface for displaying and creating advertiser defined groups of mobile advertisement campaign information targeted to mobile carriers. The system may include a processor, a memory and an interface. The memory may store mobile advertisement campaign information and one or more ad groups. The interface may be operatively connected to the memory and the processor and may communicate with users. The processor may be operatively connected to the interface and the memory and may organize the mobile advertisement information into one or more ad groups. The one or more ad groups may be associated with one or more mobile carriers. The processor may send at least a portion of the mobile advertisement campaign information via the interface to a user interface for display to a user. The portion sent to the user may be based on the one or more mobile carriers. | 2009-06-25 |
20090164300 | APPLICATION PROGRAM INTERFACE AND GRAPHICAL USER INTERFACE FOR PROVIDING A USER INTERFACE FOR TARGETING MOBILE ADVERTISEMENTS IN A MOBILE MARKETING ENVIRONMENT - Systems and methods for targeting mobile advertisement listings are provided. In one implementation, the method may include displaying carrier selection options associated with a mobile advertisement listing in a user interface and receiving, via the user interface, carrier selection information for targeting the mobile advertisement listings to selected carriers. | 2009-06-25 |
20090164301 | Targeted Ad System Using Metadata - A method for targeting advertisements selects a first content item that has an associated set of metadata. The associated metadata is for providing information regarding the first content item. The method identifies a first user having a relationship to the first content item. The first user has a set of profile information. The method determines a first metadata element such as, for example, a tag or keyword used by the first user in relation to the first content item. The first metadata element is generated by one or more users of the first content item such as, for example, the first user or a second user. The method selects a first advertisement for presentation to the first user. The selection process uses data associated with one or more of the first content item, the first user, and the first metadata element. Additional embodiments of the invention include a system and a computer readable medium for implementation of the foregoing. | 2009-06-25 |
20090164302 | Methods and systems for specifying a cohort-linked avatar attribute - Avatars, methods, apparatuses, computer program products, devices and systems are described that carry out obtaining collected population cohort data; and specifying at least one cohort-linked avatar attribute at least partly based on the collected population cohort data. | 2009-06-25 |
20090164303 | CUSTOMER LOYALTY DEVELOPMENT SYSTEM - Described are computer implemented techniques for developing customer loyalty by receiving customer data from a user, processing and maintaining the customer data in a relational database and producing alerts for the user based at least in part on the processed customer data. The techniques also feature accepting orders from the user for messages or gifts to be sent to customers identified in the customer data. | 2009-06-25 |
20090164304 | Method and system for using a self learning algorithm to manage a progressive discount - A system for managing a progressive incentive, including: an interface element for at least one specially programmed general-purpose computer for receiving data regarding a current transaction between a customer and a business entity; and a memory unit for the specially programmed general-purpose computer for storing at least one compliance parameter and an artificial intelligence program (AIP). The system also includes a processor for the specially programmed general-purpose computer for: determining, using the data, compliance of the current transaction with at least one compliance parameter; for compliance of the current transaction with the at least one compliance parameter, augmenting, using the AIP, an incentive included in an offer previously presented to the customer, the augmented incentive to optimize revenue for the business entity or profitability of the business entity; generating a second offer including the augmented incentive; and transmitting, using the interface element, the second offer for presentation to the customer. | 2009-06-25 |
20090164305 | SYSTEM AND METHOD FOR MANAGING PRODUCT QUALITY - A computer-implemented method for managing product quality is disclosed. The method integrates various inspections on quality of materials and products from purchasing the materials until delivering the products to customers. A related system is also disclosed. By utilizing the method and the related system, multiple inspection results are recorded. | 2009-06-25 |
20090164306 | System and method for developing sales content - A system and method of developing sales information for use in a buyer-seller environment is directed to providing one or more qualifiers which relate to a sales offering; determining value criteria, for each qualifier, to identify potential value of the sales offering; determining ideal buying criteria based on a competitive analysis; and developing the sales information from the value and buying criteria. The sales information, which can be a letter of understanding (LOU) or a buyer needs assessment, can be stored on a server and updated and accessed by one or more sellers. The updating can be an iterative process that is responsive to feedback about the sales information. | 2009-06-25 |
20090164307 | METHOD OF OPTIMIZING THE FILLING OF A STORAGE FACILITY - According to the method of optimizing the filling of a storage facility for a raw material offered during a given subscription period (a) there are collected subscription demands DS | 2009-06-25 |
20090164308 | SYSTEMS AND METHODS FOR TARGETING CONSUMERS ATTITUDINALLY ALIGNED WITH DETERMINED ATTITUDINAL SEGMENT DEFINITIONS - Disclosed herein are systems and methods for selecting a target group of consumers from a larger group of consumers in a computer database. Thus, for a given brand and marketing objective, the systems and methods provide for identifying the dimensions that define a relevant attitudinal consumer segment (or segments). In addition, the systems and methods select consumers, from an in-house or third party database containing appended variables, who are most attitudinally aligned with the target segment definition(s). | 2009-06-25 |
20090164309 | SYSTEM AND METHOD FOR WIRELESS COMMUNICATION BETWEEN PREVIOUSLY KNOWN AND UNKNOWN USERS - Embodiments of the present invention include improved communication system and methods. In one embodiment, the present invention includes a wireless communication method comprising, on a first wireless device, receiving one or more wireless device identifications associated with one or more other wireless devices, and transmitting at least one of the one or more wireless device identifications from the first wireless device to a remote computer system, and on the remote computer system, receiving the at least one wireless device identification, and accessing information associated with the at least one wireless device identification. Embodiments of the present invention may be used for electronic dating, social networking and other communication applications. | 2009-06-25 |
20090164310 | METHOD FOR PROVIDING MOBILE COMMERCE AND REVENUE OPTIMIZATION - The invention is a system and method that targets communications devices with content from service providers, third party content providers, sponsors, promotional partners and advertisers. The invention matches the content with communications device users using customer profiles or device usage profiles and transmits the content to communications devices over a wireless network, via the internet, or other means. The communications devices store the content in an internal repository. The content is later displayed as a result of triggers by designated users' actions. | 2009-06-25 |
20090164311 | Human resource management system - A human resources management system that aids an organization select job applicants from a pool of job applicants. The system predicts performance of applicants based on job application information using a predictor developed by comparing information from prior applicants to information about the performance of those applicants. Performance may include on-the-job performance for applicants that have previously been hired or may include performance of selected applicants at interviews. The system may include a component to identify text in a resume or other job application material that acts as a feature for information useful in predicting performance. The system may also include a component that develops and updates a predictor based on actual performance of prior applicants. | 2009-06-25 |
20090164312 | SYSTEM AND METHOD FOR PROVIDING ON-LINE ADVERTISING WITH DYNAMIC CONTENT - A computer-implemented system and method for providing on-line advertising with dynamic content is disclosed. The system in an example embodiment includes an advertisement (ad) generator configured to provide an advertisement template with an embedded region for dynamic content; to retrieve dynamic content; to modify the presentation of the advertisement to include the dynamic content; and to serve the modified advertisement including the dynamic content to a user. | 2009-06-25 |
20090164313 | METHOD FOR CREATING AND OPERATING A PERMISSION-BASED MOBILE MARKETING MARKETPLACE - A method for a consumer to receive compensation to subscribe to receiving marketing messages for certain marketers. The method allows for an interactive web site allowing a consumer to store a plurality of personal information and set the rate of compensation for each marketing message received, the marketer accessing a searchable database of consumers' personal information and identifying certain consumer criteria and a maximum price the marketer will pay to a consumer to receive the marketer's message, the consumer and marketer being able to edit information at any time, the marketer sending one or more marketing messages to a list of consumers which meet the marketer's criteria, and the consumer receiving compensation at the request rate for each marketing message received. | 2009-06-25 |
20090164314 | MERCHANT SPECIFIED USAGE SCHEME IN FINANCIAL TRANSACTIONS - The preferred embodiments of the present invention are directed to enabling a merchant to specify whether other entities or employees thereof should benefit from a usage scheme, such as discounts, incentives, promotions, rewards, or the like, implemented by the merchant. A transaction device holds information associating the transaction device with an entity. The information associating the transaction device with the entity is verified against stored merchant identification code to determine whether the holder of the transaction device should receive the benefit of the usage scheme. | 2009-06-25 |
20090164315 | Software System for Decentralizing eCommerce With Single Page Buy - A software system with a “single page buy” capability—both product information and purchase information on a single webpage. The software does the backend work needed to display both, in order to simplify the user experience. In one embodiment, commerce is “atomized” by pushing out the capability to purchase throughout the Internet—to ads on 3rd party sites, references in blogs, articles, etc. In one embodiment, a gliding product display is provided. The ad has a banner-type ad dimension, with product icons scrolling or gliding across it. | 2009-06-25 |
20090164316 | System and Method for Search, Recommendation, and Advertisement Through a Unified Storefront - A system includes an asset database, a search engine, a recommendation engine, and an advertisement module. The search engine is adapted to search for a first asset, stored in the asset database, based on a metadata search inquiry received from one of a plurality of access devices. The recommendation engine is adapted to recommend a second asset based on the metadata search inquiry, adapted to recommend a third asset based on customer usage information, and adapted to recommend the second asset and the third asset also based on an access device in communication with the recommendation engine. The advertisement module is adapted to provide an asset advertisement based upon the customer usage information and one of the asset categories being searched. Methods for searching, recommending, advertising assets to the plurality of access devices are also disclosed. | 2009-06-25 |
20090164317 | System and method of consistent internet web site banners that provide portal-like functionality - In a continual and integrated approach to Internet banner display rights, a party acquires long-term banner display rights on published web sites of other entities, in a manner so as to ensure full and continual control over the content, look and functionality of the acquired banner space. A variety of different forms of compensation can be provided to the entities which publish the web sites, in exchange for the acquisition of the banner space. The Internet banner is multifunctional, utilizing menus, links and similar user interface items, to operate as a portal to a variety of informational content and services, such as e-commerce, search engines, and the like. These services might be provided by the party which owns the banner space, or by third parties. The banners which appear in the spaces acquired from multiple publishing sites are organized into a networked system, to provide users with integrated and consistent access to the available services. The entity which provides the content and services through the banners can enter into arrangements with end users, to provide incentives for users to access the banners as well as enhance the users' experience. | 2009-06-25 |
20090164318 | RECYCLE SYSTEM - The recycle system is capable of motivating consumers to seriously separate wastes. The recycle system comprises: an identifying/measuring unit for identifying kinds of wastes and measuring amounts of the wastes; and a point providing unit for providing a point, which can be used for purchase instead of money, on the basis of the kinds and the amounts of the wastes, which have been identified and measured by the identifying/measuring unit. | 2009-06-25 |
20090164319 | DISCOUNT SYSTEM AND METHOD - Discount systems and methods of providing discounts are provided. The discount systems may include an apparatus couplable to an automobile. The apparatus may include indicia thereon relating to an entity desiring to provide a discount upon detection of the apparatus. In some aspects, the apparatus may be a license plate frame. The methods may include providing an apparatus including indicia thereon associated with an entity, coupling the apparatus to an automobile, detecting the presence of the apparatus at a location associated with the entity, and providing a discount for a product or a service associated with the entity after detection of the apparatus. In some aspects, the apparatus may be a license plate frame and the license plate frame may be coupled to an automobile such that the apparatus at least partially surrounds a license plate coupled to the automobile, | 2009-06-25 |
20090164320 | Private Label Promotion Card System, Program Product, And Associated Computer-Implemented Methods - Embodiments of the present invention provide a private label promotion card as a bank product, being issued and managed by the bank and using an open payment network for purchase authorization and payments. A bank computer processes activation information for a promotion card. The bank computer then authorizes purchase requests to use one or more activated promotion cards as payment for a consumer purchase from the retailer via an open payment network and transfers funds to the open payment network to satisfy the authorized consumer purchase. Next, the bank computer receives funds on behalf of the retailer for payment responsive to consumer purchases using the one or more promotion cards as payment and payment for a value remaining on the one or more promotion cards responsive to an expiration of the one or more promotion cards, perhaps at a discount to a customer value of the promotion card. | 2009-06-25 |
20090164321 | METHOD AND SYSTEM FOR AWARDING USER POINTS IN RESPONSE TO USER INTEREST - A method and system for awarding user points in response to user interest is provided. User points are redeemable for price discounts on products and services. The method involves, in response to receiving a user request for information, presenting to the user a question, receiving a user response from the user and incrementing a points balance associated with the user in response to the user response. The system includes a server for communicating with a user; a database for storing a points balance associated with the user; a question-and-answer component operable to present a question to the user and receive a user response from the user; and a points balance component operable to increment the points balance in response to the user response. The method and system are applicable to a theme-based website in which the questions presented to the user relate to the website theme. | 2009-06-25 |
20090164322 | METHODS, SYSTEMS, AND COMPUTER READABLE MEDIA FOR OVER THE AIR (OTA) PROVISIONING OF SOFT CARDS ON DEVICES WITH WIRELESS COMMUNICATIONS CAPABILITIES - Methods, systems, and computer readable media for over the air provisioning of soft cards on devices with wireless communications capabilities are disclosed. According to one method, a soft card provisioning application is instantiated on a device with wireless communications capabilities. A card number for a soft card desired to be provisioned on the device is obtained from a user of the device. An issuer identification number retrieved from the card number is communicated to a provisioning configuration server over an air interface. A provisioning issuer server network address is obtained from the provisioning configuration server based on the issuer identification number. The provisioning information server is connected to, and card-issuer-specific challenge information is obtained therefrom. The challenges are presented to the user, and the user's responses to the challenges are received. A connection is made to the provisioning issuer server corresponding to the network address. The challenge responses are communicated to the provisioning issuer server. Soft card image data and personalization data, where the personalization data includes personalized embossed and pre-printed data, are received from the provisioning issuer server over the air interface. The soft card is provisioned for use on the device based on the data received over the air interface. | 2009-06-25 |
20090164323 | SYSTEM, PROGRAM PRODUCT, AND METHODS FOR SOCIAL NETWORK ADVERTISING AND INCENTIVES FOR SAME - Program product, systems, and methods of providing to social network websites advertising and incentives from an electronic retailer, are provided. A system can include a social network website displaying social network content and also displaying a link that reroutes the consumer to an electronic retailer website when the consumer clicks on the link. The system can also include program product for tracking purchase and other information about the consumer by the electronic retailer, and generating a commission for the provider of the social network website based on the tracked information about the consumer. The link can be embedded within the social network content or the link can be part of an advertisement and displayed adjacent the social network content. Also, a product featured in the advertisement can be affiliated with one main subject of the social network content. | 2009-06-25 |
20090164324 | Methods for a Third Party Biller to Receive an Allocated Payment Authorization Request - A point of sale (POS) device may be configured to locate a payment system and transmit a payment authorization request from a remote location to a payment system, either directly, or via a payment system directory and/or a SSL Gateway. The invention also includes inserting third party account information into an encrypted portion of the payment request, so the payment request appears as a normal request to the issuing bank, but the third party account information may be used by the third party to bill the customer. The payment system directory is further configured to determine one or more payment processors to direct a payment authorization request, such that a single transaction may me allocated among multiple payment processors for authorization. Moreover, the payment system directory is able to format alternative payment methods into a format that is able to be processed over existing payment networks. | 2009-06-25 |
20090164325 | Systems and Methods for Locating an Automated Clearing House Utilizing a Point of Sale Device - A point of sale (POS) device may be configured to locate a payment system and transmit a payment authorization request from a remote location to a payment system, either directly, or via a payment system directory and/or a SSL Gateway. The invention also includes inserting third party account information into an encrypted portion of the payment request, so the payment request appears as a normal request to the issuing bank, but the third party account information may be used by the third party to bill the customer. The payment system directory is further configured to determine one or more payment processors to direct a payment authorization request, such that a single transaction may me allocated among multiple payment processors for authorization. Moreover, the payment system directory is able to format alternative payment methods into a format that is able to be processed over existing payment networks. | 2009-06-25 |
20090164326 | METHODS FOR LOCATING A PAYMENT SYSTEM UTILIZING A POINT OF SALE DEVICE - A point of sale (POS) device may be configured to locate a payment system and transmit a payment authorization request from a remote location to a payment system, either directly, or via a payment system directory and/or a SSL Gateway. The invention also includes inserting third party account information into an encrypted portion of the payment request, so the payment request appears as a normal request to the issuing bank, but the third party account information may be used by the third party to bill the customer. The payment system directory is further configured to determine one or more payment processors to direct a payment authorization request, such that a single transaction may me allocated among multiple payment processors for authorization. Moreover, the payment system directory is able to format alternative payment methods into a format that is able to be processed over existing payment networks. | 2009-06-25 |
20090164327 | Methods for Processing a Payment Authorization Request Utilizing a Network of Point of Sale Devices - A point of sale (POS) device may be configured to locate a payment system and transmit a payment authorization request from a remote location to a payment system, either directly, or via a payment system directory and/or a SSL Gateway. The invention also includes inserting third party account information into an encrypted portion of the payment request, so the payment request appears as a normal request to the issuing bank, but the third party account information may be used by the third party to bill the customer. The payment system directory is further configured to determine one or more payment processors to direct a payment authorization request, such that a single transaction may me allocated among multiple payment processors for authorization. Moreover, the payment system directory is able to format alternative payment methods into a format that is able to be processed over existing payment networks. | 2009-06-25 |
20090164328 | Systems and Methods for Locating a Payment System and Determining a Taxing Authority Utilizing a Point of Sale Device - A point of sale (POS) device may be configured to locate a payment system and transmit a payment authorization request from a remote location to a payment system, either directly, or via a payment system directory and/or a SSL Gateway. The invention also includes inserting third party account information into an encrypted portion of the payment request, so the payment request appears as a normal request to the issuing bank, but the third party account information may be used by the third party to bill the customer. The payment system directory is further configured to determine one or more payment processors to direct a payment authorization request, such that a single transaction may me allocated among multiple payment processors for authorization. Moreover, the payment system directory is able to format alternative payment methods into a format that is able to be processed over existing payment networks. | 2009-06-25 |
20090164329 | Systems for Processing a Payment Authorization Request Utilizing a Network of Point of Sale Devices - A point of sale (POS) device may be configured to locate a payment system and transmit a payment authorization request from a remote location to a payment system, either directly, or via a payment system directory and/or a SSL Gateway. The invention also includes inserting third party account information into an encrypted portion of the payment request, so the payment request appears as a normal request to the issuing bank, but the third party account information may be used by the third party to bill the customer. The payment system directory is further configured to determine one or more payment processors to direct a payment authorization request, such that a single transaction may me allocated among multiple payment processors for authorization. Moreover, the payment system directory is able to format alternative payment methods into a format that is able to be processed over existing payment networks. | 2009-06-25 |
20090164330 | Systems and Methods for Processing a Payment Authorization Request Over Disparate Payment Networks - A point of sale (POS) device may be configured to locate a payment system and transmit a payment authorization request from a remote location to a payment system, either directly, or via a payment system directory and/or a SSL Gateway. The invention also includes inserting third party account information into an encrypted portion of the payment request, so the payment request appears as a normal request to the issuing bank, but the third party account information may be used by the third party to bill the customer. The payment system directory is further configured to determine one or more payment processors to direct a payment authorization request, such that a single transaction may me allocated among multiple payment processors for authorization. Moreover, the payment system directory is able to format alternative payment methods into a format that is able to be processed over existing payment networks. | 2009-06-25 |
20090164331 | Systems for Locating a Payment System Utilizing a Point of Sale Device - A point of sale (POS) device may be configured to locate a payment system and transmit a payment authorization request from a remote location to a payment system, either directly, or via a payment system directory and/or a SSL Gateway. The invention also includes inserting third party account information into an encrypted portion of the payment request, so the payment request appears as a normal request to the issuing bank, but the third party account information may be used by the third party to bill the customer. The payment system directory is further configured to determine one or more payment processors to direct a payment authorization request, such that a single transaction may me allocated among multiple payment processors for authorization. Moreover, the payment system directory is able to format alternative payment methods into a format that is able to be processed over existing payment networks. | 2009-06-25 |
20090164332 | METHOD TO MAXIMIZE AND STABILIZE MARKET SHARE AND PROFITS - The method of the invention is based on a membership-only association (“MOA”). Preferably, the MOA operates as a not-for-profit entity having a formal organization such as a corporation or LLC. MOA receives membership fees to pay for accounting fees, legal fees, product liability insurance, and year-end buy backs of dead back-up inventory The MOA solicits retailers, designers, wholesalers, and manufacturers, or some combination thereof, to become members of the association Applicants for membership are screened based on criteria determined by founding members of the MOA. Once accepted, the prospective member enters into a contractual relationship with the MOA The types of members include, by way of example, Design Members, Supply Members, Logistical Wholesale Members, and Retail Members. Administration, logistics, and communications among the Design, Retail, and Logistical Wholesale Members are facilitated by a Support Entity. | 2009-06-25 |
20090164333 | System and method for integrated payment and shipping information - A product distribution module integrated with a payment module. Actions in the distribution module trigger actions in the payment module. For example, a user clicking a “buy” button triggers the creation of a product mailer for a seller, and triggers the payment module to collect and hold the purchase price and shipping costs from the buyer. Acceptance of delivery by the buyer, or the expiration of a time-out period after tracking delivery by the distribution module, triggers release of the purchase price to the seller. A “shared responsibility” return method and system is also provided. The buyer has until a time out period to object to the product. If the buyer objects, in the buyer's discretion the product can be returned, but the buyer is required to pay a portion of the return shipping costs subject to an algorithm. | 2009-06-25 |
20090164334 | System and method for recommending personalized gift - A method and online system for recommending gifts to a user, for a gift recipient, includes determining social relational aspects between the giver and gift recipient, determining personality traits of the giver or the recipient and calculating and then displaying to the user one or more recommended gifts for purchase. Personality, occupation and style traits are numerically rated in conjunction with product attributes of a population of potential gifts for accurate calculation of optimized gift recommendations. Gifts are rated by an online community associated with the system. The system may also learn by a feedback loop for successful and unsuccessful predictions of gift desirability, thus resulting in greater gift recommendation accuracy over time. | 2009-06-25 |
20090164335 | METHOD, APPARATUS AND PROGRAM PRODUCT FOR FACILITATING TRANSFER OF VEHICLE LEASES - A method for facilitating transfer of vehicle leases between parties involves providing a database of vehicle lease records concerning vehicle leases available for transfer. A search engine is provided for searching the vehicle lease database according to entered criteria, the search engine operable to identify available vehicle lease records which meet the entered criteria. Access to the search engine is provided via a computer network. Upon execution of a given search including criteria entered by a searching user, the searching user is provided, via the computer network, with vehicle lease information concerning at least one matching vehicle lease record which meets the entered criteria of the given search, if such a matching vehicle lease record exists. | 2009-06-25 |
20090164336 | ELECTRONIC NETTING SYSTEM FOR BILATERAL TRADES - An electronic netting system. The system may include: (a) a plurality of individual, segregated counterparties for providing bilateral trades, (b) a multi-lateral transaction hub, and (c) a trading system in communication with the transaction hub. The multi-lateral transaction hub may be for (i) providing an aggregation of trades between the counterparties, (ii) providing for multi-lateral netting of selected and authorized bilateral trades, and (iii) apportioning the accumulated trade values among the counterparties according to pre-determined netting parameters including a weighted distribution selectable by at least one of the counterparties. The transaction hub may include: (i) a trade processing system and (ii) a netting system in communication with the trade processing system for providing for the optimized, multi-lateral netting of selected and authorized bilateral trades and apportioning the accumulated trade values among the counterparties. | 2009-06-25 |
20090164337 | System and process for requesting a quotation - The present invention relates to a system and method for requesting a quotation. | 2009-06-25 |
20090164338 | Virtual Shelf With Single-Product Choice and Automatic Multiple-Vendor Selection - A retail front-end experience for the user with a multi-seller back-end. A product is displayed on a webpage, and if the user views it, the software automatically selects at least one best supplier for each item and condition (new, used, etc.) for that user, and then displays the one specific price from only those vendors. The price includes the shipping costs from that vendor's location to the user's location. Thus, the back end is hidden from the user—the user is not forced to choose from a list of vendors. The software selects the best vendor based on a variety of criteria, such as item selection (condition, price and version), the geographic closeness of the vendor (reduced shipping costs and/or reduced shipping speed), the reliability rating of the vendor (responsiveness, product description accuracy, etc.). | 2009-06-25 |
20090164339 | 3D PRODUCT DISPLAY ON INTERNET WITH CONTENT OR TRANSACTION DATA ON BACK OF IMAGE - A three dimensional use of an area to provide information. When a user clicks on cover art, for example, the art is replaced with descriptive material in the same space, as if the book or DVD were flipped over (but not a literal showing of the backside of the physical product). The flip side shows either (1) content data, (2) transaction data, or (3) community data. For example, content data can be select songs for a CD or chapters for a book. Transaction data can show a market price, or, for a seller, whether a product has been sold. Community data can be how popular the product is, such as how many other people have bought it. | 2009-06-25 |
20090164340 | SYSTEM AND METHOD FOR POPULATING A GIFT REGISTRY USING UPLOADED PRODUCT INFORMATION - According to one embodiment of the invention, a method comprises recovering a product identifier downloaded from portable electronic device, and thereafter, searching a database by the portable electronic device. This search uses a product identifier to uncover any occurrences of the product associated with the product identifier in a database containing multiple products from multiples retailers. Thereafter, a message including a name of one or more merchants selling the product or an item equivalent to the product, and a price of the product or the item equivalent to the product is returned. | 2009-06-25 |
20090164341 | Interactive survey feedback tool - A method of optimizing one or more attributes of a product according to a product context. A product context and one or more attributes of the product are presented to a user via a software graphical user interface (GUI). A visual rendering of the product including at least one attribute of the product may be presented via the GUI. The user either may select or modify the at least one attribute and submit a user input that corresponds to the attribute and/or the modified attribute of the product in reference to the product context. The user input is received and the product is displayed via the GUI based on the user input. If the attribute of the product was modified, then the attribute of the product is modified and displayed substantially simultaneously. A correlation between the user input and the attribute of the product in reference to the product context is determined when a termination command is received. | 2009-06-25 |
20090164342 | Making an Availability Determination Regarding a Requested Ware - Among other disclosed subject matter, a computer-implemented method for making an availability determination regarding a requested ware includes identifying a request to provide a quantity of a ware at a delivery date. The method includes determining, in response to the identification, which one of multiple time periods includes the delivery date. The multiple time periods are at least three and run serially from a beginning time. Each of the multiple time periods corresponds to a step in a process to provide the ware and is associated with a different supply scope for determining ware availability. The method includes determining availability of the ware for the request using the supply scope of the determined time period. | 2009-06-25 |
20090164343 | AUTO-CASCADING CLEAR TO BUILD ENGINE FOR MULTIPLE LOCATION ORDER LEVEL PARTS MANAGEMENT - Embodiments of the present invention provide a method, system and computer program product for multiple-location auto-cascading clear to build inventory management. In an embodiment of the invention, an order processing method can be provided. The order processing method can include determining a required allocation of parts necessary to build an order, recursively soft allocating parts in different locations until enough parts have been soft allocated to satisfy the required allocation of parts necessary to build the order, and hard allocating the soft allocated parts. In one aspect of the embodiment, it can be determined that not enough parts remain amongst the different locations to satisfy the required allocation of parts necessary to build the order. In that circumstance, the soft allocated parts can be cleared for allocation by a different order. Alternatively, the order can be built short by hard allocating the soft allocated parts even though not enough parts are soft allocated to satisfy the required allocation of parts. | 2009-06-25 |
20090164344 | Method and Server for Management of Electronic Receipts - A system for managing electronic receipts is provided. According to one aspect, the system includes a portable device, a base device, a user device and an electronic receipts administration system. The electronic receipts administration system provides the base device with the appropriate data to allow the base device to generate, store and manage electronic receipts accordingly. A user uses the portable device to conduct a transaction with the base device. The base device uses a variety of information to generate an electronic receipt for the transaction. Such information includes, for example, information stored on the portable device, information stored locally on the base device and information stored on another device such as an electronic cash register. The electronic receipt is then stored on the portable device. The user device allows the user to subsequently retrieve the electronic receipt for management purposes. | 2009-06-25 |
20090164345 | System and method for management and control of containerized freight - A system and method for managing containerized freight is disclosed. The system generates a 3-D view of a containerized freight terminal that is rendered on a display. The 3-D view includes rendered scale models of all the containers, vessels, buildings and equipment within the freight yard and according to stored information relating to such. The rendered 3-D view is updated as changes are made to the stored information and according to user input related to the desired point of view and perspective. The rendered scale models may be selectively visually coded or displayed according to pre-determined criteria. | 2009-06-25 |
20090164346 | Fund Transfers Using Multiple Accounts - The subject matter disclosed herein provides methods and apparatus, including computer program products, for fund transfers using multiple accounts associated with internal positions for the funds. In one aspect, there is provided a computer-implemented method. The method may receive an indication representing a financial instrument. A plurality of accounts may be generated. The generated plurality of accounts may provide internal positions for the financial instrument. Another account may provide an external position for the financial instrument. The external position and the internal position may be maintained to enable an accounting of the financial instrument. Related apparatus, systems, methods, and articles are also described. | 2009-06-25 |
20090164347 | FUEL ACCOUNTING SYSTEM AND METHODS - Various embodiments of the present invention provide systems and methods for fuel accounting that enables an organization to verify that fueling being paid for has in fact been dispensed into their aircraft. In particular, various embodiments provide systems and methods to verify whether a particular fueling event occurred. In addition, various embodiments provide systems and methods to facilitate the front-end data capture of a fueling event by the organization operating the aircraft via a data pathway not under control of a fueling agent. Furthermore, various embodiments provide for systems and methods to allow an organization operating aircraft to verify fuel uplifted and fuel inventory over a selected period of time. | 2009-06-25 |
20090164348 | REAL ESTATE TRANSACTION SYSTEM USING REAL ESTATE TRUST AND METHOD THEREOF - Provided is a real estate transaction system and method using real estate trust that are capable of lessening a burden on a residence right holder and investors. Ownership of specific real estate can be entrusted and managed, a right for the real estate can be divided into a plurality of equity rights and circulated on line, and buyers holding the equity rights are allowed to divide their equity right and circulate the divided equity rights. The buyer desiring to reside on the property can own the real estate by paying almost as little as half of its price. Also, money is not tied up in the real estate for a long time, and an investor can invest a smaller amount of money in the real estate. | 2009-06-25 |
20090164349 | Transaction and Account Management System - An information management system that consists of data, a rules database, and user profiles is provided. The rules database stores information about system responses to modifications of the data. The user profiles store information concerning the availability of information and displays depending upon the user. Automatic updates to user profiles in response to modifications to the data are performed. | 2009-06-25 |
20090164350 | Transfer Account Systems, Computer Program Products, And Associated Computer-Implemented Methods - Embodiments of the present invention include transfer account systems, computer program products, and associated computer-implemented methods of providing prioritized payments from the proceeds of automatic or direct deposits. Embodiments of the present invention include routing automatic deposit information to a financial institution computer managing a prioritized payment program and formulating an outgoing ACH file with both an entry for an automatic deposit destined for a customer account and an entry for a pre-authorized prioritized payment to a select creditor, so that the automatic deposit is credited to the customer account and relatively instantaneously any prioritized payment is debited from the customer account. According to embodiments of the present invention, the customer account can be a prepaid card account so that a customer has effective access on the prepaid card only to a net value of funds. | 2009-06-25 |
20090164351 | Transfer Account Systems, Computer Program Products, And Associated Computer-Implemented Methods - Embodiments of the present invention include transfer account systems, computer program products, and associated computer-implemented methods of providing prioritized payments from the proceeds of automatic or direct deposits. Embodiments of the present invention include routing automatic deposit information to a financial institution computer managing a prioritized payment program and formulating an outgoing ACH file with both an entry for an automatic deposit destined for a customer account and an entry for a pre-authorized prioritized payment to a select creditor, so that the automatic deposit is credited to the customer account and relatively instantaneously any prioritized payment is debited from the customer account. According to embodiments of the present invention, the customer account can be a checking, deposit, savings, money market, or other account as understood by those skilled in the art, so that a customer has effective access through the customer account only to a net value of funds. | 2009-06-25 |
20090164352 | Transfer Account Systems, Computer Program Products, And Computer-Implemented Methods To Prioritize Payments From Preselected Bank Account - A financial institution computer maintains one or more lists of account identifiers for accounts enrolled in a prioritized payment program and receives an automatic deposit associated with an account identifier for a first account enrolled in the prioritized payment program. The prioritized payment program includes pre-authorization of certain payment requests by select creditors. The financial institution computer generates prioritized payments from the first account to select creditors, responsive to one or more unfilled pre-authorized payment requests by the select creditors and then generates a sweep payment from the first account to an associated second account at a second financial institution, responsive to the incoming automatic deposit. A value for the sweep payment is a value of the automatic deposit minus a value of the one or more prioritized payments. The second account can be, for example, a demand deposit account or a prepaid card account. | 2009-06-25 |
20090164353 | Transfer Account Systems, Computer Program Products, And Computer-Implemented Methods To Prioritize Payments From Preselected Bank Account - A financial institution computer maintains one or more lists of account identifiers for accounts enrolled in a prioritized payment program including pre-authorization of certain payment requests by select creditors. The computer estimates a value of one or more prioritized payments associated with a first account and authorizes a first sweep payment to a second account at a second financial institution from a third stand-in account at a payroll processor, so that the estimated value is held back in the stand-in account. Then the computer receives an automatic deposit associated with an account identifier for a first account. The financial institution computer generates prioritized payments from the first account to select creditors and generates a second sweep payment, if necessary, from the first account to the second account, responsive to the incoming automatic deposit. The second account can be, for example, a demand deposit account or a prepaid card account. | 2009-06-25 |
20090164354 | METHOD AND APPARATUS FOR CONSUMER DRIVEN PROTECTION FOR PAYMENT CARD TRANSACTIONS - Method and apparatus for facilitating a commercial transaction between an account holder and a merchant. The account holder has an account that is associated with respective account information. The account information includes at least one criterion for pre-authorizing a transaction. When the consumer initiates a purchase transaction, a transaction approval request is generated which includes information relating to the commercial transaction. A purchase approval entity compares the received transaction approval request to the account information to determine whether the at least one criterion for pre-authorizing the transaction is satisfied. The transaction approval request is denied when a determination is made that the at least one criterion for pre-authorizing the transaction is not satisfied. | 2009-06-25 |
20090164355 | ACCOUNTING SYSTEM, ACCOUNTING CLIENT AND METHOD FOR REPORTING ACCOUNTING INFORMATION OF A USER BY AN ACCOUNTING CLIENT - A method for reporting accounting information of a user by an accounting client is provided. The method includes the following steps. The accounting client correlates the accounting information of all service streams established by the user, generates an accounting packet based on a user granularity, and reports the accounting packet to an accounting server. An accounting system and an accounting client are further provided, where the accounting client correlates the accounting information of all service streams established by the user, generates the accounting packet based on the user granularity, and reports the accounting packet to the accounting server, so that an access network supporting accounting based on a service stream may report the accounting information based on the user granularity to a core network. Therefore, if the access network uses an accounting mode based on the service stream, the access network may also support a user-based accounting mode. | 2009-06-25 |
20090164356 | METHOD, SYSTEM AND APPARATUS FOR CALCULATING CHARGEBACK FOR VIRTUALIZED COMPUTING RESOURCES - Method, system and apparatus for calculating chargeback for virtualized computing resources in a virtualized environment allowing efficient use of computing resources, improving costs recovery including fixed and over-usage cost of utilizing computing resources. | 2009-06-25 |
20090164357 | WIRELESS COMMUNICATION DEVICE ACCOUNT PAYMENT NOTIFICATION SYSTEMS AND METHODS - Systems and methods are provided for notifying a wireless communication device user regarding an account payment. One method comprises dialing a phone number of a wireless communication device, preferably a cell phone. A communication relating to an account payment that includes a balance due is then transmitted or delivered to a wireless communication device user. Optionally, at the same time or a later time, input from the wireless communication device user may be received regarding payment of the balance due. Such notification methods may be carried out by a host computer system which has a record of when the account payment is due and dials and transmits within a predetermined time frame. Generally, such methods will further comprise pre-registering or enrolling the wireless communication device user. | 2009-06-25 |
20090164358 | MERCHANDISING FOR HIGHER BIDS - A method and a system for merchandising for higher bids are provided. In example embodiments, a proposed price for a first listing may be received from a user. In response to receiving of the proposed price, a message may be conveyed to the user when the proposed price is lower than an expected price for the first listing. In supporting the message, the user may be provided with price and popularity information related to one or more second listings similar to the first listing. | 2009-06-25 |
20090164359 | SINGLE ACTION BIDDING - Apparatus, systems, and methods may operate to present an item for bidding as part of an electronic auction conducted by a networked computer system, and to present a request for a single action bid by a bidder to simultaneously enter and confirm a single action bid amount for the item. Additional apparatus, system, and methods are disclosed. | 2009-06-25 |
20090164360 | REAL ESTATE TRANSACTION SYSTEM USING REAL ESTATE SECURITIES AND METHOD THEREOF - Provided are a real estate transaction system and method using real estate trust that are capable of lessening a burden on a residence right holder and investors by securitizing real estate and selling a plurality of divided securities including a security for ownership and a security for investment. A real estate special purpose company buys real estate and divides a right for real estate into a residence right and an investment right that is transacted as an investment security at a real estate security exchange, like normal security, with the residence right and the investment right having different dividend percentages, such that a buyer desiring actual residence resides on the property by paying only a portion of the price of the real estate and a person desiring investment invests in real estate for desired equity. | 2009-06-25 |
20090164361 | Last Call for a Real Estate Property, a Chattel or a Financial Instrument for Online and Off-line Uses - A method of advertising, marketing and auction sale of real estate properties, chattel properties and financial instruments and more particularly a method of handling last minute Internet online and in person off-line bidding extensions are described. Internet websites have been designed for this purpose such that prospective customers or interested bidders may view property specific photographs and information, financial and credit information and other details with respect to a property. In the Internet bidding format and the in person off-line bidding format, as long as at least one bid is made within an established bid period before the bid deadline, the bidding can be extended for a pre-determined amount of time. | 2009-06-25 |
20090164362 | System and Method for Funding Loans - The problems presented in loan funding industry are solved by the systems and methods of the present invention. In accordance with one embodiment of the present invention, a system is provided where a borrower applies for and is approved for a loan remotely after which the borrower is provided with data, the borrower then enters the provided data into an automated teller machine and the automatic teller machine verifies the amount to be dispersed and disperses the amount to be lent to the borrower. | 2009-06-25 |
20090164363 | Computer-Implemented Methods, Program Product, And System For Micro-Loan Product Management - Embodiments of the present invention include methods, program product and systems for card and bank product management. An embodiment of a method of advancing funds to a banking customer, for example, includes establishing a line of credit with a bank through an on-line access interface with the bank, determining whether access to funds through the line of credit should occur for a customer transaction and providing one or more preselected increments of funds for the customer transaction. A cumulative amount of the one or more preselected increments, for example, can be less than a total available line of credit for a customer having an established line of credit with the bank. The method further includes decrementing the total available line of credit by the cumulative amount of the one or more preselected increments provided for the customer transaction and a predetermined fee amount for each preselected increment of funds. | 2009-06-25 |
20090164364 | Computer-Implemented Methods, Program Product, And System To Enhance Banking Terms Over Time - Managing access to a line of credit, for example, can include a financial institution computer determining eligibility for a line of credit program responsive to a consumer's prior enrollment in a prepaid card program and one or more of the following: the consumer's historical direct deposit data, and data associated with the consumer's historical behavior in the prepaid card program. The financial institution computer can extend an amount of available credit to the consumer through the line of credit program so that a consumer credit limit is capped through underwriting criteria to ensure that no more than a predetermined percentage of a consumer's historic direct deposit amount is required for minimum repayments. The financial institution computer can farther receive loan repayments over one or more predetermined direct deposit periods and change the consumer credit limit by preselected increments responsive to a change in the consumer's direct deposit amount. | 2009-06-25 |
20090164365 | SYSTEMS AND METHODS FOR PERFORMING A SIMPLIFIED RISK ASSESSMENT - Systems and methods for performing a simplified risk assessment are provided. A historical transaction value for past transactions associated with related promissory payments is maintained. A request is received from a merchant to determine authorization of a financial transaction associated with a proffered promissory payment. The historical transaction value associated with the related promissory payments is accessed and determination, based on the historical transaction value, of whether to authorize the financial transaction based on a risk score or whether to authorize the financial transaction based on data stored in a negative database is made. | 2009-06-25 |
20090164366 | PAYMENT VOUCHER GENERATION FOR FINANCIAL TRANSACTIONS - The preferred embodiments of the present invention are directed to consummating a financial transaction using payments vouchers. A merchant code associated with a merchant is received by a financial institution terminal, which verifies the merchant code against a stored code. A payment voucher is generated in response to the verification. The voucher includes an encoded message that indicates the voucher is authentic. | 2009-06-25 |
20090164367 | Secure transmission of money transfers - The invention relates to a method and a device for enabling a validated money transfer between a sending and a receiving person via a sending and a receiving financial institution, where a request to a validation agent for validation of a money transfer replaces normal time consuming cross border security checks. The validation agent, being unaffiliated with the sending financial institution and the receiving financial institution, administers a data base comprising validated transfer agreements, which agreements specifies at least the identity of a sending person and of a receiving person. A validation of a transfer is executed at the validation agent by comparing current transfer data with information specified in the validated transfer agreements. | 2009-06-25 |
20090164368 | Private Label Promotion Card System, Program Product, And Associated Computer-Implemented Methods - Embodiments of the present invention provide a private label promotion card as a bank product, being issued and managed by the bank and using an open payment network for purchase authorization and payments. A bank computer processes activation information for a promotion card and receives finds into an account at the bank on behalf of a retailer for payment for the promotion card, perhaps at a discount to a customer value of the promotion card. The bank computer authorizes purchase requests to use one or more activated promotion cards as payment for a consumer purchase from the retailer via an open payment network and transfers funds to the open payment network to satisfy the authorized consumer purchase. Upon expiration, the bank computer sweeps the account of the remaining value for expired promotion cards to thereby establish a credit for the bank. | 2009-06-25 |
20090164369 | PERSON-TO-PERSON PAYMENTS: CONTEXTUAL SPENDING - A computerized method and a system for contextual spending in person-to-person payments are provided. In example embodiments, a payment system may receive a request from a first party for making a payment to a second party. The payment system may send a recommendation for utilization of the payment to the second party. The payment system may also request and receive from the first party an instruction related to charging a transaction fee associated with the payment. | 2009-06-25 |
20090164370 | Transfer Account Systems, Computer Program Products, And Associated Computer-Implemented Methods - A financial institution computer maintains a list of account identifiers for accounts enrolled in a prioritized payment program including pre-authorization of certain payment requests by select creditors. The computer estimates a value of prioritized payments and authorizes a sweep payment to the customer account from a stand-in account at a payroll processor, so that the estimated value is held back in the stand-in account. The financial institution computer then receives an incoming ACH file, including an automatic deposit destined for the customer account. The computer generates an outgoing ACH file with both an entry for an automatic deposit destined for the customer account and an entry for a pre-authorized prioritized payment to a select creditor, so that the automatic deposit is credited and relatively instantaneously any prioritized payment is debited from the customer account. The customer account can be, for example, a demand deposit account or a prepaid card account. | 2009-06-25 |
20090164371 | Mobile Financial Transaction Method - A method for conducting financial transactions via the use of a cellular phone or similar mobile portable electronic device without any necessary physical connection or data connection to banking institutions. | 2009-06-25 |
20090164372 | Methods of processing data captured during a deposit transaction conducted at an image-based self-service check depositing terminal - A method is provided of operating a self-service check depositing terminal. The method comprises the steps of receiving a user identification (ID) card from a depositor at the self-service check depositing terminal, reading ID data from the user ID card, sending the ID data to a consolidation server of a first financial institution to allow the first financial institution to process the ID data, and receiving from the first financial institution a first message containing a first Uniform Resource Locator (URL) which (i) is associated with a consolidation server of a second financial institution which is different from the first financial institution and (ii) is based upon the ID data which has been processed at the first financial institution. | 2009-06-25 |
20090164373 | System and Method of Preventing Password Theft - A method and system for securely accessing an account using a security device that includes: (1) receiving a request via a payment device for access to an account having account information, wherein the request includes an account number; (2) generating randomly a numeric value; (3) displaying the numeric value; (4) prompting data entry of a combined PIN via the payment device, wherein the combined PIN is a combination of the numeric value and the PIN; (5) uncombining the numeric value from the entered combined PIN to provide an uncombined PIN; (6) comparing the uncombined PIN to the PIN; and (7) permitting access to the account information based on the comparison. | 2009-06-25 |
20090164374 | System and Methods for One Time Check Numbers - Various embodiments are directed to third-party payment services including the ability to arrange and pay for goods or services with a printed paper check using facilities hosted by the third-party payment service. In one embodiment, a third-party payment services system may be arranged to provide access to a third-party payment account linked to a source of funds for the third-party payment account. The third-party payment services system may receive a request to transfer funds from the third-party payment account to a recipient using a printed check and may receive a use limitation for the check. A unique number to be printed on the check may be derived and associated with the third-party payment account. A payment request for the check may be verified using the unique number when use limitations for the check have been observed. Other embodiments are described and claimed. | 2009-06-25 |
20090164375 | SYSTEMS, METHODS AND COMPUTER PROGRAM PRODUCTS FOR PERFORMING MASS TRANSIT MERCHANT TRANSACTIONS - Methods, systems and computer program products are provided for enabling access to mass transit systems using a financial transaction instrument including reading an identifier including financial payment information from the financial transaction instrument and determining whether the identifier is stored in a database. Access to a holder of the financial transaction instrument is provided based on the determining. | 2009-06-25 |
20090164376 | Systems and Methods for Controlled Substance Prescription Monitoring Via Real Time Claims Network - Embodiments of the invention can provide systems and methods for controlled substance prescription monitoring via a real time claims network. In one embodiment, a method for facilitating real-time processing of claims associated with one or more controlled substances can be provided. The method can include receiving a plurality of claims from a claims transaction switch, wherein each of the claims relates to both at least one predefined provider and at least one monitored controlled substance. In addition, the method can include validating some or all of the plurality of claims. Furthermore, the method can include formatting and transmitting data from validated claims to a prescription monitoring program system. | 2009-06-25 |
20090164377 | SECURED AND SELECTIVE RUNTIME AUDITING SERVICES USING A TRUSTED COMPUTING DEVICE - In an embodiment, an apparatus includes a control logic to selectively audit transactions between the apparatus and a separate entity based on a type for the transactions. The apparatus also includes an encryption logic to encrypt an audit log that includes at least one attribute of one of the selectively audited transactions. | 2009-06-25 |
20090164378 | Music Distribution - The present invention relates to a method of distributing music comprising creating a structured audio file from an audio track, the audio track having two portions, the first portion comprising data to reproduce a lower quality version of the audio track by a media player and data in a second portion that can be used to reproduce a higher quality version of the audio track. | 2009-06-25 |
20090164379 | Conditional authorization for security-activated device - Various methods and systems include exemplary implementations for a security-activated operational component involved in creating or producing or duplicating or processing or testing one or more objects. Possible embodiments include but are not limited to obtaining access to an object data file configured to implement various functional operations regarding one or more objects; verifying validity of an authorization code associated with the object data file; and controlling operation of the operational component based on operational monitoring data processed by a verification module in accordance with a permission agreement and/or a licensing restriction. | 2009-06-25 |
20090164380 | FINANCIAL TRANSACTION NETWORK - The manufacture and control of payment cards used in consumer financial transactions circulates a population of payments cards with user identification and account access codes. Each use of an individual card produces a variation of its user access code according to an encryption program seeded with encryption keys or initialization vectors. A portion of the magnetic stripe is made dynamic with a Q-Chip magnetic MEMS device. The job of personalizing payment cards with the user identification and account access codes is outsourced to a personalization company. The encryption keys and initialization vectors are kept private from the personalization company by using the encryption program to generate tables of computed results. Respective ones of the tables of computed results are sent for loading by the personalization company into new members of the population of payments cards. New payment cards are manufactured and distributed that include and operate with the tables of computed results. | 2009-06-25 |
20090164381 | METHOD OF MAKING SECURE PAYMENT CARDS - A method of making secure payment cards for financial transactions over networks includes building payment card blanks by integrating plastic, circuit, battery, semiconductor chips, magnetic stripe, magnetic MEMS device, and other components into a debit/credit card format conforming to ISO industry standards, all in response to an order from an issuing bank. Then personalizing each payment card blank with a personal account number (PAN) of which a portion is variable according to an encryption processor and secret encryption key kept by said issuing bank, and only computed results are loaded in embedded crypto-tables for presentation during financial transactions by said magnetic MEMS device. A population of secure payment cards is produced which can be circulated for use in the commercial markets. | 2009-06-25 |
20090164382 | SYSTEM FOR MANAGING MULTIPLE CREDIT ACCOUNTS - In an improved method and system for managing consumer credit accounts a consumer registers a plurality of credit accounts through a secure web page establishing a priority of accounts in the process. The web page aggregates data from all of the registered accounts and a single credit card or device is issued to access the aggregated accounts. The single card is used at points of sale like an ordinary credit card except that it requires a password like a debit card. When a purchase is made the request is relayed to the credit account that has the top priority and sufficient available credit. A single card can access a plurality of separate credit accounts so there is no need to carry multiple cards. If the single card is stolen, it can be rapidly inactivated with a single call. It will not be necessary to cancel the underlying accounts. | 2009-06-25 |