| 29th week of 2011 patent applcation highlights part 52 |
| Patent application number | Title | Published |
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| 20110178831 | UNAFFILIATED WEB DOMAIN HOSTING SERVICE CLIENT RETENTION ANALYSIS - Based on usage patterns of clients who have purchased web domain offerings, using statistical analysis to determine factors that cause clients not to be retained. | 2011-07-21 |
| 20110178832 | PREREQUISITE-DRIVEN MEETING SCHEDULING - A method, system and computer program product for prerequisite-driven meeting scheduling are provided. The method includes defining prerequisites to be met prior to confirming scheduling of a meeting, and defining a threshold to confirm scheduling of the meeting based on prerequisites completed. The method also includes tracking the prerequisites completed prior to the meeting, the tracking performed by tracking logic of a scheduling tool executing on a host system. The method further includes confirming that the meeting will be held as scheduled in response to determining that the prerequisites completed meet the threshold. The method additionally includes rescheduling the meeting in response to determining that the prerequisites completed are below the threshold, the rescheduling performed by the scheduling tool executing on the host system. | 2011-07-21 |
| 20110178833 | DEVELOPING AN OPTIMAL LONG TERM ELECTRICITY GENERATION CAPACITY RESOURCE PLAN UNDER A CARBON DIOXIDE REGULATORY REGIME - There are provided a method and system for optimizing of a long-term electricity resource plan. The system obtains a capital costs component value including capital costs for emission abatement retrofits at an existing power plant and a new power plant over a period of time. The system obtains a fuel costs component value including the sum of fuel utilization of all generating units in the existing power plant and new power plant over the period of time. The system obtains an emission costs component value including emission allowance costs and emission violation costs in the period of time. The system adds the capital costs component value, the fuel costs component value and the emission costs component value to compute a net present value that meets emission constraints. | 2011-07-21 |
| 20110178834 | METHODS FOR HEAT EXCHANGER NETWORK ENERGY EFFICIENCY ASSESSMENT AND LIFETIME RETROFIT - Methods for managing/assessing heat exchanger network energy efficiency and retrofit for an industrial facility, are provided. An embodiment of a method can include the performance of perform various steps/operations including those for determining an optimal heat exchanger network retrofit projects sequence extending between a current heat exchanger network retrofit project satisfying a current desired waste energy recovery goal and a future heat exchanger network retrofit project satisfying the final waste energy recovery goal. The heat exchanger network retrofit projects sequence can be configured so that each subsequent project within the heat exchanger network retrofit projects sequence does not contradict any of the previous projects within the heat exchanger network retrofit projects sequence. | 2011-07-21 |
| 20110178835 | SYSTEMS AND PROGRAM PRODUCT FOR HEAT EXCHANGER NETWORK ENERGY EFFICIENCY ASSESSMENT AND LIFETIME RETROFIT - Systems and program product for managing/assessing heat exchanger network energy efficiency and retrofit for an industrial facility, are provided. An embodiment of a system can include a heat exchanger network analysis and design computer and heat exchange network analysis and design program product configured to cause the heat exchange network analysis and design computer to perform various operations including those for determining an optimal heat exchanger network retrofit projects sequence extending between a current heat exchanger network retrofit project satisfying a current desired waste energy recovery goal and a future heat exchanger network retrofit project satisfying the final waste energy recovery goal. The heat exchanger network retrofit projects sequence can be configured so that each subsequent project within the heat exchanger network retrofit projects sequence does not contradict any of the previous projects within the heat exchanger network retrofit projects sequence. | 2011-07-21 |
| 20110178836 | Systems and Methods for Analyzing a Potential Business Partner - A computer-implemented method is provided for facilitating a due diligence analysis of a potential business partner of a business entity. The method includes receiving key data regarding a potential business partner. The method further includes facilitating an analysis of the potential business partner, including receiving risk-related data from a user regarding risks associated with the potential business partner, automatically determining a risk class for the potential business partner based at least on the received risk-related data, automatically determining a set of due diligence questions to present to the user based at least on the automatically determined risk class for the potential business partner, and receiving due diligence data from the user in response to the set of due diligence questions. The method further includes facilitating an approval process for the received due diligence data. | 2011-07-21 |
| 20110178837 | Systems and Methods for Managing Goodwill Activities in a Business Entity - Computer-implemented systems and methods for managing goodwill activities in a business organization are provided. A computer-implemented activity management tool collect user-submitted activity identification data regarding a proposed activity, and automatically classifies the proposed activity into one of a plurality of activity types based at least on the user-submitted activity identification data. The activity management tool also receives user-submitted activity value data regarding the proposed activity, automatically determines a value of the proposed activity based at least on the user-submitted activity value data, and automatically determines an appropriate approval level for the proposed activity based at least on the determined value of the proposed activity. The activity management tool also facilitates an approval process for the proposed activity based at least on the approval level determined for the proposed activity, including facilitating approval decisions by a selected set of one or more approvers via the computer network. | 2011-07-21 |
| 20110178838 | UNAFFILIATED WEB DOMAIN HOSTING SERVICE SURVIVAL ANALYSIS - Using data extracted by an OSS module from a service platform that enables hosting of a plurality of unaffiliated web domains to populate a client survival data model. | 2011-07-21 |
| 20110178839 | METHOD AND SYSTEM FOR EVALUATING A CONSUMER PRODUCT BASED ON WEB-SEARCHABLE CRITERIA - A method is provided for generating a value of a product by aggregating product information collected from a plurality of sources in a networked computer system. The method determines appropriate indicators for the product, and collects information associated with the located products from one or more of the sources. The method further selects a set of data from the parsed information and curve-fits the set of data based on the predetermined parameters to generate the value of the product. | 2011-07-21 |
| 20110178840 | UNAFFILIATED WEB DOMAIN HOSTING SERVICE CLIENT FINANCIAL IMPACT ANALYSIS - Based on usage patterns of clients who have purchased web domain offerings, using statistical analysis to determine factors that cause clients not to produce favorable financial results. | 2011-07-21 |
| 20110178841 | SYSTEM AND METHOD FOR CLUSTERING A POPULATION USING SPEND LEVEL DATA - The present invention improves upon existing systems and methods by providing a passive profile creation method. The data accessible to a financial processor, such as spend level data, is leveraged using sophisticated data clustering and/or data appending techniques. Associations are established among entities (e.g., consumers), among merchants, and between entities and merchants. In one embodiment, a system and method for passively collecting spend level data for a transaction of a first entity, aggregating the collected spend level data for a plurality of entities; and clustering the first entity with a subset of the plurality of entities, based on aggregated spend level data of the first entity is provided. | 2011-07-21 |
| 20110178842 | SYSTEM AND METHOD FOR IDENTIFYING ATTRIBUTES OF A POPULATION USING SPEND LEVEL DATA - The present invention improves upon existing systems and methods by providing a passive profile creation method. The data accessible to a financial processor, such as spend level data, is leveraged using sophisticated data clustering and/or data appending techniques. Associations are established among entities (e.g., consumers), among merchants, and between entities and merchants. In one embodiment, a system and method for passively collecting spend level data for a transaction of a first entity, aggregating the collected spend level data for a plurality of entities; and clustering the first entity with a subset of the plurality of entities, based on aggregated spend level data of the first entity is provided. | 2011-07-21 |
| 20110178843 | SYSTEM AND METHOD FOR USING SPEND BEHAVIOR TO IDENTIFY A POPULATION OF CONSUMERS THAT MEET A SPECIFIED CRITERIA - The present invention improves upon existing systems and methods by providing a passive profile creation method. The data accessible to a financial processor, such as spend level data, is leveraged using sophisticated data clustering and/or data appending techniques. Associations are established among entities (e.g., consumers), among merchants, and between entities and merchants. In one embodiment, a system and method for passively collecting spend level data for a transaction of a first entity, aggregating the collected spend level data for a plurality of entities; and clustering the first entity with a subset of the plurality of entities, based on aggregated spend level data of the first entity is provided. | 2011-07-21 |
| 20110178844 | SYSTEM AND METHOD FOR USING SPEND BEHAVIOR TO IDENTIFY A POPULATION OF MERCHANTS - The present invention improves upon existing systems and methods by providing a passive profile creation method. The data accessible to a financial processor, such as spend level data, is leveraged using sophisticated data clustering and/or data appending techniques. Associations are established among entities (e.g., consumers), among merchants, and between entities and merchants. In one embodiment, a system and method for passively collecting spend level data for a transaction of a first entity, aggregating the collected spend level data for a plurality of entities; and clustering the first entity with a subset of the plurality of entities, based on aggregated spend level data of the first entity is provided. | 2011-07-21 |
| 20110178845 | SYSTEM AND METHOD FOR MATCHING MERCHANTS TO A POPULATION OF CONSUMERS - The present invention improves upon existing systems and methods by providing a passive profile creation method. The data accessible to a financial processor, such as spend level data, is leveraged using sophisticated data clustering and/or data appending techniques. Associations are established among entities (e.g., consumers), among merchants, and between entities and merchants. In one embodiment, a system and method for passively collecting spend level data for a transaction of a first entity, aggregating the collected spend level data for a plurality of entities; and clustering the first entity with a subset of the plurality of entities, based on aggregated spend level data of the first entity is provided. | 2011-07-21 |
| 20110178846 | SYSTEM AND METHOD FOR USING SPEND LEVEL DATA TO MATCH A POPULATION OF CONSUMERS TO MERCHANTS - The present invention improves upon existing systems and methods by providing a passive profile creation method. The data accessible to a financial processor, such as spend level data, is leveraged using sophisticated data clustering and/or data appending techniques. Associations are established among entities (e.g., consumers), among merchants, and between entities and merchants. In one embodiment, a system and method for passively collecting spend level data for a transaction of a first entity, aggregating the collected spend level data for a plurality of entities; and clustering the first entity with a subset of the plurality of entities, based on aggregated spend level data of the first entity is provided. | 2011-07-21 |
| 20110178847 | SYSTEM AND METHOD FOR IDENTIFYING A SELECTED DEMOGRAPHIC'S PREFERENCES USING SPEND LEVEL DATA - The present invention improves upon existing systems and methods by providing a passive profile creation method. The data accessible to a financial processor, such as spend level data, is leveraged using sophisticated data clustering and/or data appending techniques. Associations are established among entities (e.g., consumers), among merchants, and between entities and merchants. In one embodiment, a system and method for passively collecting spend level data for a transaction of a first entity, aggregating the collected spend level data for a plurality of entities; and clustering the first entity with a subset of the plurality of entities, based on aggregated spend level data of the first entity is provided. | 2011-07-21 |
| 20110178848 | SYSTEM AND METHOD FOR MATCHING CONSUMERS BASED ON SPEND BEHAVIOR - The present invention improves upon existing systems and methods by providing a passive profile creation method. The data accessible to a financial processor, such as spend level data, is leveraged using sophisticated data clustering and/or data appending techniques. Associations are established among entities (e.g., consumers), among merchants, and between entities and merchants. In one embodiment, a system and method for passively collecting spend level data for a transaction of a first entity, aggregating the collected spend level data for a plurality of entities; and clustering the first entity with a subset of the plurality of entities, based on aggregated spend level data of the first entity is provided. | 2011-07-21 |
| 20110178849 | SYSTEM AND METHOD FOR MATCHING MERCHANTS BASED ON CONSUMER SPEND BEHAVIOR - The present invention improves upon existing systems and methods by providing a passive profile creation method. The data accessible to a financial processor, such as spend level data, is leveraged using sophisticated data clustering and/or data appending techniques. Associations are established among entities (e.g., consumers), among merchants, and between entities and merchants. In one embodiment, a system and method for passively collecting spend level data for a transaction of a first entity, aggregating the collected spend level data for a plurality of entities; and clustering the first entity with a subset of the plurality of entities, based on aggregated spend level data of the first entity is provided. | 2011-07-21 |
| 20110178850 | FUTURE COST ESTIMATE FORECASTING FOR TECHNOLOGIES - A system for forecasting a future cost estimate for a technology includes a cost receipt unit configured to receive a first cost point and a second cost point identifying a starting cost at a first time period and a midpoint cost at a second time period, and calculate a third cost point to express the first cost point and the second cost point in a range of zero to one. The system also includes a base curve unit configured to determine a base S-curve from the first cost point, the second cost point and the third cost point. The system includes a weighting unit configured to receive weightings of cost-reduction drivers. The system includes a base curve adjustment unit configured to adjust the base S-curve based on the weightings of the cost-reduction drivers to create an adjusted S-curve. | 2011-07-21 |
| 20110178851 | ENHANCING VIRALLY-MARKETED FACILITIES - A method and apparatus for enhancing a virally marketed facility is described and illustrated. In one embodiment, the invention is a method of operating a virally marketed facility. The method includes measuring virality of the facility based on a conversion rate and a propagation rate. The method also includes determining potential options for increasing virality. The method further includes executing potential options for increasing virality. In an alternate embodiment, the invention is a method of operating a virally marketed facility. The method includes measuring virality of the facility. Also, the method includes determining potential options for increasing virality. Further, the method includes concurrently executing potential options for increasing virality. | 2011-07-21 |
| 20110178852 | Advanced Voting System and Method - An advanced voting system is provided that includes one or more computing devices. The computing devices receive input of authentication data and utilize the authentication data to determine whether a voting session by a voter is authorized and to unlock ballot information specific to the voter or a group of voters. Furthermore, same device used to unlock said ballot information. In addition, the receive accessibility input data on the same device used to unlock said ballot information. In addition, the computing devices present ballot questions to the voter if the voting session is authorized based on the received authentication data and receive interactive voter selections from the voter. Furthermore, the system includes a record generator that generates records containing the voter selections. | 2011-07-21 |
| 20110178853 | SYSTEM AND METHOD FOR UPDATING ADVERTISING CONTENT FOR A RECORDED PROGRAM - A system and method for updating advertising content for a recorded program (e.g., recorded on personal video recorder equipment), substantially as shown in and/or described in connection with at least one of the figures, as set forth more completely in the claims. | 2011-07-21 |
| 20110178854 | METHOD AND SYSTEM FOR ENHANCING AND/OR MONITORING VISUAL CONTENT AND METHOD AND/OR SYSTEM FOR ADDING A DYNAMIC LAYER TO VISUAL CONTENT - A method for superimposing interactive components on a visual content displayed on at least one client terminal. The method comprises receiving a designation of at least one interactive component from a plurality of interactive components, associating between the designation and a visual content item, and forwarding the designation to a client terminal so as to allow a presentation of the at least one interactive component in a manner that the presentation coincides with a display of the visual content item by a plurality of client terminals connected to a network. The at least one interactive component is superimposed on the display during the presentation. | 2011-07-21 |
| 20110178855 | SYSTEM AND METHOD FOR INCREASING MARKETING PERFORMANCE USING SPEND LEVEL DATA - The present invention improves upon existing systems and methods by providing a passive profile creation method. The data accessible to a financial processor, such as spend level data, is leveraged using sophisticated data clustering and/or data appending techniques. Associations are established among entities (e.g., consumers), among merchants, and between entities and merchants. In one embodiment, a system and method for passively collecting spend level data for a transaction of a first entity, aggregating the collected spend level data for a plurality of entities; and clustering the first entity with a subset of the plurality of entities, based on aggregated spend level data of the first entity is provided. | 2011-07-21 |
| 20110178856 | SYSTEM AND METHOD FOR SHARING WITH REGISTERED USERS REVENUE GENERATED BY ADVERTISEMENTS DISPLAYED WITH CONTENT - Systems and methods for sharing advertisement payment revenues with users of a search engine, as well as other user content recipients are disclosed. A user's general profile is established by tracking usage of the system by the user. The user general profiles are used to better target advertisements and enhance suitability of search results. User participation in establishing a comprehensive profile is encouraged by providing monetary or other types of incentives based upon a user's search engine usage and responses to served advertisements. | 2011-07-21 |
| 20110178857 | Methods and Systems for Incentivizing Survey Participation - Systems and methods for providing survey incentives wherein participants in a first survey are permitted to access the results of the first survey, to submit additional questions used to generate a second survey, and to request managed introductions and communications with other survey participants. In at least one implementation, the method contemplates providing a survey network wherein market participants are invited to participate in surveys and provided an incentive to do so in the form receiving the results of the survey and being allowed to submit additional questions for contemporaneous or subsequent inclusion in another survey or the same survey. In a further implementation, the present invention facilitates communication between two or more survey participants as an additional incentive to complete the survey. | 2011-07-21 |
| 20110178858 | ELECTRONIC SHOPPING SYSTEM - An electronic shopping system includes a mobile terminal comprising a non-volatile display unit, a volatile display unit, a microprocessor and a receiving unit configured to receive sales information from a server. The sales information comprise coupons, merchandise sort icons, and merchandise name icons, and each of the merchandise sort icons is associated with a part of the merchandise name icons, and each of the merchandise name icons is associated with one of the coupons, each of the coupon comprises a code. The microprocessor displays the merchandise sort icons and the merchandise name icons on the volatile display unit, and further displays one coupon on the non-volatile display unit. | 2011-07-21 |
| 20110178859 | System and method for resolving transactions employing optional benefit offers - A system and method for the online settling of a transaction is provided. The system includes a server having a rules based engine including rules established on behalf of a party to the transaction, such as a creditor. The rules based engine is configured to process data and present a transaction settlement offer set comprising a plurality of selectable offers to the user based on at least one decision made by the rules based engine, as well as provide selected options to the user based on data processed. Selected options may include products or services deemed of interest to the user based on his or her financial position, including but not limited to loans, financial accounts, and financial services, and other products or services determined to potentially be useful to the debtor/user. The system assesses the needs and circumstances faced by the user and potentially similar users and determines whether one or more products or services may be of interest to the user and presents selected products and services to the user in addition to the transaction settlement offer set when indicated by the rules provided. | 2011-07-21 |
| 20110178860 | System and method for resolving transactions employing goal seeking attributes - A system and method for the online settling of a transaction is provided. The system includes a server having a rules based engine including rules established on behalf of a party to the transaction, such as a creditor. The rules based engine is configured to process data and present a transaction settlement offer set comprising a plurality of selectable offers to the user based on at least one decision made by the rules based engine. The server is further configured to seek additional benefits for the party to the transaction, such as offering enhanced payment options beyond those deemed agreeable to the user. Enhanced payment options may be determined by various factors, including but not limited to information obtained with respect to the user such as available funds, creditworthiness, delinquency rates, and so forth. Depending on the amount agreed to by the user, the system seeks to enhance recovery above that amount, either in funds paid immediately or over time. | 2011-07-21 |
| 20110178861 | ELECTRONIC REWARD GENERATION - A system (and method) are configured to generate vouchers to exchange for rewards associated with a physical commerce center having a plurality of retailers. The vouchers are disseminated by several modes, including issuance apparatuses. Voucher-related data is tracked in a system including a central computer, issuance apparatuses, other remote devices, and a database. On behalf of a shopping center, vouchers exchangeable for rewards serve to attract visitor traffic, promote consumer spending, and bolster rents, occupancy, and tenant retention. Advances are achieved by differentiating and automating functions at a shopping center level, as distinct from a retailer level. Functions include voucher dissemination, qualification, verification, tracking, redemption, and fraud countermeasures; brokering of rewards with reward providers; administration of surveys to procure marketing information; and issuance of reports. The configuration enables formation of a market of reward providers. | 2011-07-21 |
| 20110178862 | LOCATION BASED CONSUMER INTERFACE FOR RETAIL ENVIRONMENT - A location based consumer interface for retail environments includes a plurality of data packet generators distributed around a retail store. The data packet generators include a wireless communication device and are configured to wirelessly transmit codes to mobile computing devices in the retail store. The codes are received by the mobile computing devices, and can be used to present promotional or other content to the consumer, such as content related to the consumer's current location within the store. The codes can also be used for other purposes, such as for use as part of a store rewards program. In some embodiments a vendor is charged a fee for presentation of the content to the consumer. | 2011-07-21 |
| 20110178863 | LOCATION BASED CONSUMER INTERFACE FOR RETAIL ENVIRONMENT - A location based consumer interface for retail environments includes a plurality of data packet generators distributed around a retail store. The data packet generators include a wireless communication device and are configured to wirelessly transmit codes to mobile computing devices in the retail store. The codes are received by the mobile computing devices, and can be used to present promotional or other content to the consumer, such as content related to the consumer's current location within the store. The codes can also be used for other purposes, such as for use as part of a store rewards program. In some embodiments a vendor is charged a fee for presentation of the content to the consumer. | 2011-07-21 |
| 20110178864 | Direct Tracking of Keywords to Ads/Text - The present invention overcomes the deficiencies and limitations of the prior art by providing a direct tracking module for keywords. In one embodiment, the system comprises a direct tracking module, a bid management system, a web analytics tool and a search engine. The direct tracking module interfaces with the bid management system to provide user interfaces for reviewing data about specific keyword and ads/text pairs. The direct tracking module uses unique codes to provide specific information about which combination of keyword and text generated specific Web traffic, such as traffic that generated a sale. This is particularly advantageous because the keyword/text pairs that generate a large number of sales can be reused to generate future traffic. Similarly, keyword/text pairs that do not generate Web traffic can be eliminated from the words that are purchased by the advertiser. Thus, the present invention greatly reduces the uncertainty presently provided by keyword purchasing schemes offered by present-day search engines. The present invention also includes a novel method for the direct tracking of keywords to ads/text. | 2011-07-21 |
| 20110178865 | UNAFFILIATED WEB DOMAIN HOSTING SERVICE PURCHASE PREDICTION - Based on usage patterns of a multiplicity of clients who have purchased web domain offerings, providing a grid representing each item purchased and not purchased by each client, using predictive analytics to determine the probability that each client will purchase each offering, and identifying a subset of offerings that represent favorable probabilities of purchase for a given client. | 2011-07-21 |
| 20110178866 | TWO-WAY MARKETING PERSONALIZED DESKTOP APPLICATION - A method and system receives a first data feed from at least one third-party computerized device by way of a computerized network connected to the customer computerized device. This first data feed is displayed through the display item. The graphic user interface receives customer interaction information when the customer interacts with the display item. The method transmits such customer interaction information to the third-party computerized device by way of the customer computerized network. The customer computerized device then receives a second data feed from the third-party computerized device by way of the computerized network. The second data feed is different than the first data feed and the second data feed is based on the customer interaction information and/or the group usage statistics. | 2011-07-21 |
| 20110178867 | METHOD AND SYSTEM FOR FACILITATING ACCESS TO A PROMOTIONAL OFFER - A method of facilitating access to a promotional offer, the method comprising: receiving at a server system a page request from a client device; and sending program code executable in a browser application to the client device in response to the page request, the program code being executable to display at least one promotional offer and a promotional code, to provide a flash object at a display position of the promotional code and, in response to selection of the flash object, to cause the promotional code to be copied to a user-accessible memory of the client device and to open a new browser display of the browser application. | 2011-07-21 |
| 20110178868 | ENHANCING SEARCH RESULT PAGES USING CONTENT LICENSED FROM CONTENT PROVIDERS - A search engine provider enters into an agreement with a content provider wherein the search engine provider agrees to provide compensation in exchange for the content provider giving content to the search engine provider. The content may comprise data that normally can't be accessed without a subscription, or any other content. The content may comprise information that indicates a structure of the content provider's web pages. The search engine may display normally inaccessible content with search results. The search engine may use structural information to classify and extract data items from web pages, and to highlight those data items in search results with labels that identify each such data item's class. A computing device determines the extent to which enhancement of the search results page using the content provider's content increased the revenue value of the page. The amount paid to the content provider may be based on this extent. | 2011-07-21 |
| 20110178869 | COMMON SERVICES WEB HOSTING ARCHITECTURE WITH MULTIPLE BRANDING AND OSS CONSISTENCY - A website hosting service provides a plurality of services, from a common service architecture, to each of a plurality of unrelated websites, each of the plurality of services being adapted to contribute to a distinct service package for at least a plurality of unrelated websites, wherein the web hosting service is marketed through a plurality of marketing sites, each one of the plurality of marketing sites offering a different market specific offering and wherein a client hosting account initiated through a specific market specific offering is maintained under a consistent look and feel associated with the specific market specific offering when presenting client account service user interfaces. | 2011-07-21 |
| 20110178870 | UNAFFILIATED WEB DOMAIN COMMON HOSTING SERVICE WITH SERVICE REPRESENTATIVE PLUG-IN - A website hosting service provides a plurality of services, from a common service architecture, to each of a plurality of unrelated websites, each of the plurality of services being adapted to contribute to a distinct service package for at least a plurality of unaffiliated websites, wherein the web hosting service is marketed through a plurality of websites, each one of the plurality of websites offering a different market specific offering, wherein service representatives supporting a plurality of different market specific offerings are provided with information that facilitates providing the appropriate service for a particular market specific offering. | 2011-07-21 |
| 20110178871 | IMAGE CONTENT BASED ADVERTISEMENT SYSTEM - A system for serving an advertisement in a networked environment receives data that defines a user selection of an image. The system also selects an advertisement associated with the user selection and communicates the selected advertisement to the user. The data that defines the user selection includes an x selection coordinate, a y selection coordinate, a width, and a height that defines a region of an image. The user selection defines also defines a scene of a video. The system also includes circuitry and logic configured to extract text and to detect objects from an image region defined by the user selection and to select an advertisement associated with any extracted text and/or detected object. | 2011-07-21 |
| 20110178872 | KEYWORD ADVERTISING METHOD BASED ON COLLECTING OF USERS SEARCH INTENTION - An advertising method is disclosed. The method includes gathering a keyword of an http referrer in a uniform resource locator. The keyword is stored in a database. Then, a relationship between this uniform resource locator and the keyword is built. Finally, when this uniform resource locator is displayed again, the advertisements corresponding to these collected keywords are displayed together. | 2011-07-21 |
| 20110178873 | Electronic Advertising - The invention provides an electronic advertising system ( | 2011-07-21 |
| 20110178874 | Service for Providing an Interactive, Personalized Radio Network - An interactive radio network enables users to interact with the content of a radio broadcast, including commercials or messages, and to selectively save, store, review, fast forward, rewind, pause, forward, and respond to the radio programs and/or the commercials. The interactive radio network provides a widespread, international, and economical access to the radio stations, and reduces the need for advertisement billboards. It provides the users with an opportunity to selectively inquire about the products or services being advertised. Furthermore, the interactive radio network allows the users as well as various sectors of the advertisement industry to interact with the content of the radio broadcast. The advertisements are no longer limited to audio messages, but can further include elaborate video, text, and data information. The interactive radio network enables the users to communicate and interact with each others, based on the broadcast content. It also provides a widely accessible and affordable avenue for mass marketing and broadcasting of commercials to mobile users. | 2011-07-21 |
| 20110178875 | Hot Spot Use in Advertising - The delivery of targeted advertisements (ads) to wireless mobile handheld display devices (MHDDs) with client specific advertisement and dynamic content for response and feedback is becoming important in advertising. As the return for ads on MHDDs becomes higher, there is a push to show larger and more interactive ads on devices that have small displays. This has created a need to maximize the area available for ad viewing. The need for larger viewing area reduces the area available for call-to-action response enabling switches or inserts on the screen for customer interaction. To overcome this deficiency and provide the necessary end-to-end response capability, hot-spots on the ad image are provided as call-to-action response regions without limitation on the ad viewing area. The use of such hot-spots provides users of MHDDs a preferred interaction mechanism for responding to the advertisement, while maintaining a large ad viewing area. | 2011-07-21 |
| 20110178876 | SYSTEM AND METHOD FOR PROVIDING VIEWER IDENTIFICATION-BASED ADVERTISING - A system and method for providing viewer identification-based advertising, substantially as shown in and/or described in connection with at least one of the figures, as set forth more completely in the claims. | 2011-07-21 |
| 20110178877 | Advertising and content management systems and methods - A method for advertising management is disclosed in which a new pricing methodology is employed whereby advertising and content categorized may be overridden by an advertiser desiring to pay a premium. The method involves an advertiser, desiring to override a scheduled advertisement, contacting a network provider and replacing the scheduled advertisement if a series of checkpoints are satisfied. The method further includes making replacement decisions based upon marketing tools such as programming ratings collection and analysis systems. A system for replacing a scheduled advertisement using an interactive server operable for managing advertisements, receiving and responding to requests, storing data, and inserting advertisements into a schedule based on the new pricing methodology is also disclosed. | 2011-07-21 |
| 20110178878 | System for Providing an Interactive, Personalized Radio Network - An interactive radio network enables users to interact with the content of a radio broadcast, including commercials or messages, and to selectively save, store, review, fast forward, rewind, pause, forward, and respond to the radio programs and/or the commercials. The interactive radio network provides a widespread, international, and economical access to the radio stations, and reduces the need for advertisement billboards. It provides the users with an opportunity to selectively inquire about the products or services being advertised. Furthermore, the interactive radio network allows the users as well as various sectors of the advertisement industry to interact with the content of the radio broadcast. The advertisements are no longer limited to audio messages, but can further include elaborate video, text, and data information. The interactive radio network enables the users to communicate and interact with each others, based on the broadcast content. It also provides a widely accessible and affordable avenue for mass marketing and broadcasting of commercials to mobile users. | 2011-07-21 |
| 20110178879 | Relationship prediction system using external databases - A Relationship Prediction System Using External Databases for providing a relationship prediction based on the correlation of personal characteristics and the analysis of genetic characteristics is disclosed. In one embodiment, a first person supplies descriptions of their own personal characteristics, as well as descriptions of the personal characteristics of their ideal match, to a website. The first person also furnishes an odor, tissue or fluid sample to a test facility, where genetic characteristics are analyzed and determined. A relationship match is then generated based on both a combination of both a positive correlation of the personal characteristics of the first person and second person, and a measured dissimilarity between the sequence of genetic characteristics of the first person and second person. In one embodiment, personal characteristics are obtained from one or more external webpages. | 2011-07-21 |
| 20110178880 | SYSTEM AND METHOD FOR MONITORING AND REPORTING PRESENTATION OF RECORDED ADVERTISING CONTENT - A system and method for monitoring and reporting presentation of recorded advertising content, substantially as shown in and/or described in connection with at least one of the figures, as set forth more completely in the claims. | 2011-07-21 |
| 20110178881 | COLLABORATIVE MATCH MAKING SYSTEM AND METHOD WITH A PER-PROFILE CONFIDENTIAL INFORMATION PURCHASE OPTION - A system and method to collaborate and/or consolidate and display the paid, active profiles data (including optionally related social data from social system[s]) but barring confidential information of paid, active profiles, of one or more participating match making brokers to local and remote users/customers soliciting match making brokerage service. Moreover, the system comprises one or more servers ( | 2011-07-21 |
| 20110178882 | REUSABLE SLEEVE COVER - A removable sleeve cover may comprise a frusto-conical body, an insulation liner, and a window pocket frame. The frusto-conical body has an inner surface and an outer surface. The interior surface is configured for receiving a liquid container. The insulated liner may be coupled to the inner surface of the body. The window pocket frame may be attached to the outer surface of the removable sleeve cover. | 2011-07-21 |
| 20110178883 | Transactions associated with a mobile device - Methods and apparatus, including computer program products, for transactions associated with a mobile device. A method includes, in a merchant device linked to a server by a first network, sending a registration to the server, sending a transaction message to the server, receiving a unique identifier from the server in response to the transaction message, broadcasting the unique identifier, in response to the broadcasted unique identifier, receiving instructions in the server from a mobile application residing in a memory of a mobile device over a second network, processing a transaction in response to the instructions, and notifying the merchant device of the processed transaction. | 2011-07-21 |
| 20110178884 | TRUSTED STORED-VALUE PAYMENT SYSTEM THAT INCLUDES UNTRUSTED MERCHANT TERMINALS - A stored-value payment system includes trusted cards and untrusted merchant terminals. Security is enhanced by the card receiving an amount of stored value only upon the card confirming that an amount that is at least equal to the received amount is paid by the card at the terminal. The card may provide to the terminal a verifiable payment record for an amount that is calculated by the card by subtracting the value received by the card from the value paid by the card. Further security features may include a terminal certificate that is updated upon settlement and includes a terminal expiration time, and a card time register that is updated upon a payment transaction with an unexpired valid terminal. | 2011-07-21 |
| 20110178885 | System and Method for Universally Managing and Implementing Rating Systems and Methods of Use - A system and method for universally managing and implementing rating systems and methods of use are provided that provides attributes that are not present in the typical commerce rating and customer relationship management systems. The rating system provides a business product (or family of products), which are designed to be centrally managed, universal, and comprehensive for the purpose of reviewing and rating commerce for individuals and businesses. | 2011-07-21 |
| 20110178886 | System and Method for Manufacturing and Personalizing Computing Devices - A system, method, and computer-readable medium are disclosed for separating the installation of an operating system from the fulfillment, installation, and entitlement of other digital assets. Information associated with the purchase of a system and digital assets to be processed by the system is received, including the system's unique system identifier. The unique system identifier is associated with the digital assets to generate digital assets entitlement data. A personalization agent installed on the system determines the system's unique system identifier and automatically downloads the purchased digital assets, which comprises an operating system (OS), and their associated digital assets entitlement data. Once downloaded, the personalization agent uses the digital assets entitlement data to first install the OS according to any restrictions imposed by the OS manufacturer, and then the remaining digital assets, on the system, which is then entitled to process the installed digital assets. | 2011-07-21 |
| 20110178887 | System and Method for Separation of Software Purchase from Fulfillment - A system, method, and computer-readable medium are disclosed for separating the purchase of digital assets from their fulfillment. Information associated with the purchase of a system and digital assets to be processed by the system is received, including the system's unique system identifier. The unique system identifier is associated with the digital assets to generate digital assets entitlement data. A personalization agent installed on the system determines the system's unique system identifier and automatically downloads the purchased digital assets and their associated digital assets entitlement data. Once downloaded, the personalization agent uses the digital assets entitlement data to install the purchased digital assets on the system, thereby entitling the system to process the installed digital assets. | 2011-07-21 |
| 20110178888 | System and Method for Entitling Digital Assets - A system, method, and computer-readable medium are disclosed for managing the entitlement of digital assets. System identifier data associated with a target system, including its unique system identifier, is received, along with digital assets selection data corresponding to digital assets data to be processed by the target system. The system identifier data is processed with the digital assets selection data to generate digital assets entitlement data. The digital assets data and the digital assets entitlement data is then provided to a personalization agent associated with the target system. In turn, the personalization agent processes the digital assets entitlement data and the digital assets data for installation on the target system, thereby entitling the system to process the installed digital assets data. | 2011-07-21 |
| 20110178889 | A METHOD, MEDIUM, AND SYSTEM FOR ALLOCATING A TRANSACTION DISCOUNT DURING A COLLABORATIVE SHOPPING SESSION - A collaborative shopping group can be established within a social networking web site. This initially established group can consist of individuals with whom the establishing user has a social networking affiliation. After an initial establishment of the collaborative shopping group, each individual within the group is able to add additional individuals to the collaborative shopping group. A shared shopping cart can be established for the collaborative shopping group. A set of different members of the collaborative shopping group can individually and independently add items from a set of different e-commerce sites to the shared shopping cart. An e-commerce purchase of items in the shared shopping cart can be completed. The completed e-commerce purchase can receive a transaction discount greater than or equal to a sum of discounts that would have resulted from discrete purchases of the items of the shared shopping cart by the individuals of the collaborative shopping group. | 2011-07-21 |
| 20110178890 | COMMON SERVICES WEB HOSTING ARCHITECTURE WITH MULTIPLE BRANDING - A website hosting service provides a plurality of services, from a common service architecture, to each of a plurality of unaffiliated websites, each of the plurality of services being adapted to contribute to a distinct package of services for at least a plurality of unaffiliated websites, wherein the web hosting service is marketed through a plurality of marketing websites, at least a plurality of the marketing websites describing different market specific offerings for the packages of services. | 2011-07-21 |
| 20110178891 | IN-EVENT SEAT EXCHANGE - A method for an in-event ticket exchange that occurs inside the ticked event venue after the original ticket holders have gained entry to the venue is provided. The method comprises reselling or exchanging event tickets on a tertiary market within the event venue after the tickets are used to gain admission to the event but while the tickets still retain a valid right to a seating/viewing location where an electronically accessible database connects sellers to buyers at the event who wish to upgrade their seating/viewing location. | 2011-07-21 |
| 20110178892 | Online Offer System - An online offer system is directed toward methods and devices that allow a seller to enter information about the attributes of a non-fungible good based on parameter values provided on a database. In response, an automated purchaser issues a firm offer to purchase the good at a set price. | 2011-07-21 |
| 20110178893 | SYSTEM AND METHOD FOR QUANTITATIVE COMPETITION AND RECORDING MEDIUM HAVING RECORDED THEREON PROGRAM FOR IMPLEMENTING THE METHOD - A bid-opening device | 2011-07-21 |
| 20110178894 | System and Method for the Distribution and Consolidation of Apparel - A system and method of handling purchased goods, are disclosed. The system of handling purchased goods includes a graphical user interface that provides a user at least one fictitious mailing address and access to at least one vendor and a distribution center correspondent to the fictitious mailing address, where the user orders goods from the at least one vendor, and where the goods are consolidated at the distribution center for provision to, and return by, the user. | 2011-07-21 |
| 20110178895 | Equipment management system, equipment management method and program - A shopping register creating part ( | 2011-07-21 |
| 20110178896 | ON-DEVICE OFFLINE PURCHASES USING CREDITS - This is directed to providing offline purchasing of media items using an electronic device. One or more media items that are not part of a user's media library can be stored on an electronic device. When a user later wishes to play back one of the media items, but the device cannot connect to a communications network to provide payment information for purchasing the media items, the electronic device can use pre-paid credits that were purchased and stored by the device when a communications network was available to complete the purchase. By using pre-paid credits, the media store can be assured that the user has sufficient funds for the media item purchase. | 2011-07-21 |
| 20110178897 | SYSTEMS AND METHODS FOR PROCESSING INCOMPLETE TRANSACTIONS OVER A NETWORK - In accordance with one or more embodiments of the present disclosure, a system and method for facilitating electronic commerce over a network includes communicating with a user via a user device and a merchant via a merchant device over the network, storing an incomplete purchase transaction between the user and the merchant, generating a portable checkout link to the incomplete purchase transaction, providing the portable checkout link to the user over the network, allowing the user to select the incomplete purchase transaction for processing, and processing the incomplete purchase transaction upon user selection. The system and method may include notifying the user of the incomplete purchase transaction over the network. | 2011-07-21 |
| 20110178898 | METHOD AND APPARATUS FOR PRESENTING INFORMATION RELATING TO A GOOD - A method and apparatus to present information relating to a good. A product identification code is received via a cellular telephone, the product identification code identifying the good. The information relating to the good is presented via a network and using the product identification code. | 2011-07-21 |
| 20110178899 | BORROWING AND LENDING PLATFORM AND METHOD - A platform or apparatus or method, creating a market through electronic, digital or computerized means with global reach for the temporary exchange of goods among individuals as well as organizations. Participant devices (e.g. computers) and a central platform (e.g. a website) are connected through a global communications network. The platform, apparatus or method establishes a borrower-lender relationship that allows the borrower to gain possession of said goods for a period of time while assuring the lender, through a binding agreement, of the safe and secure handling, and of the return, of the borrowed item. The invention serves as a depository of such offerings, as well as the vehicle for arranging the temporary exchanges of goods. For printed goods and other image-scannable (electronic captuarable) items, an alternative embodiment allows a borrower to temporarily access an electronic (image) copy of the subject good. | 2011-07-21 |
| 20110178900 | System and method for resolving transactions using weighted scoring techniques - A system and method for the online settling of a transaction is provided. The system includes a server having a rules configured to process available data regarding the debtor party using rules established on behalf of the party to the financial transaction and weighting factors accorded to selected available data related to the debtor party. The rules and weighting factors are employed by the rules engine to establish a transaction settlement offer set conveyable to the user and comprising multiple simultaneously presentable and individually selectable offers, each offer configured to settle the transaction on terms satisfactory to the party to the transaction. | 2011-07-21 |
| 20110178901 | System and method for resolving transactions employing goal seeking attributes - An automated system and method for the online settling of a transaction is provided. The system comprises a server comprising a rules based engine including rules established on behalf of a party to the transaction and genetic programming logic configured to employ the rules and determine a plurality of transaction settlement offer sets, each transaction settlement offer set based on a set of circumstances and comprising multiple simultaneously presentable and individually selectable offers, each offer configured to provide an appearance of settling the transaction. The genetic programming logic creates a description of a current transaction settlement offer set, analyzes behavior and characteristics of the current transaction settlement offer set, establishes a fitness of the current transaction settlement offer set, and modifies the current transaction settlement offer set to produce a new transaction settlement offer set. The new transaction settlement offer set is provided to the user. | 2011-07-21 |
| 20110178902 | System and method for resolving transactions with lump sum payment capabilities - A system and method for the online settling of a transaction is provided. The system includes a server having a rules based engine including rules established on behalf of a party to the transaction, such as a creditor. The rules based engine is configured to process data and present a transaction settlement offer set comprising a plurality of selectable offers to the user based on at least one decision made by the rules based engine. The server is further configured to receive a lump sum payment proposal from the user and to use the rules based engine to process information comprising the lump sum payment proposal and present a second transaction settlement offer set to the user based at least in part on the lump sum payment proposal from the user. | 2011-07-21 |
| 20110178903 | PERSONAL IDENTIFICATION NUMBER CHANGING SYSTEM AND METHOD - Systems and methods are provided for enabling a cardholder to authenticate and change a current PIN associated with a chip card using a chip card interface device (CCID) having a chip card input/output device configured for interacting with the chip card. A PIN entry device receives from the cardholder a current PIN, which is communicated to the chip card along with a verify command. The chip card compares the current PIN input by the cardholder with the PIN stored on the chip card. If the cardholder input is verified, the cardholder can input a desired new PIN. The CCID then communicates a locked PIN through a host to the issuing bank's backend system, which unlocks the PIN and stores the desired PIN. The backend system then creates a PIN change script including the new PIN and communicates the script to the chip card over the network. The chip card runs the script, which instructs the chip card to store the new PIN in place of the previous PIN. | 2011-07-21 |
| 20110178904 | Method for Accounting Information Handling in an Interworking - A method for accounting information handling in an interworking is provided. A method for processing accounting information by a gateway device includes sending an accounting request message to a first electronic device, and receiving a response message from a first electronic device, the response message responsive to the accounting request message. The accounting request message is related to a communications device attached to the first network. The method also includes processing accounting information. The processing is based on the response message, the gateway device and the first electronic device are part of the first network, the communications device is accessing a second network through the first network, and the communications device has a subscription only with the second network. | 2011-07-21 |
| 20110178905 | Price indexing - Among other things, transactions involving assets (for example, real estate assets) that share a common characteristic are represented as respective data points associated with values of the assets, the data points including transaction value information. Parameters are determined that fit probability density functions to at least one component of a value spectrum of the data points. The probability density function for at least one of the components comprises a power law. The parameters do not include an offset parameter representing possible shifts in the value spectrum over time. An index is formed of values associated with the assets using at least one of the determined parameters. The parameters may include at least one shape parameter determined by fitting data over multiple days and at least one position parameter determined by fitting data either over a single day or multiple days, the probability density function for at least one of the components comprising a power law. A subindex is formed of values of the assets that are associated with a subset of fewer than all of the data points of the set, the subset being selected to represent a range of one or more of a demographic, geographic, value, or other attribute of the transactions. | 2011-07-21 |
| 20110178906 | DATA PROCESSING SYSTEM AND METHOD INCORPORATING VALUATION METHOD TOGGLE - A data processing system and method are disclosed which finds particular application to equity finance mortgages. An Overall System | 2011-07-21 |
| 20110178907 | Computer based method of pricing equity indexed annuity product with lock-in - The present invention broadly comprises a computer-based method for determining a set of equity-indexed crediting parameters C for a selectable-term equity-indexed deposit product also having a set of profitability requirements R, a principal amount P, an account value A, a maximum term T, a set of lock-in formulas F, a selected term T′, an immediate credit I, and a guaranteed rate G, with R, P, A, T, C, and F determined at the time of product purchase and T′ <=T determined by the purchaser after the time of purchase and I and G determined by the seller at T′ according to the set of formulas F, with the immediate credit I being added to the account value A at time T′ and interest being credited to the account value A at the rate G from time T′ to time T. | 2011-07-21 |
| 20110178908 | DYNAMICALLY PROVIDING FINANCIAL SOLUTION RECOMMENDATIONS - Systems, methods, and computer program products are provided for dynamically building financial solution recommendations based on received inputs. These inputs, which may be received from the customer, an associate collaborating with the customer or from a customer database, may include customer behaviors, customer attitudes, customer life events, customer life interests, customer personal/profile data, customer financial data, such as portfolio data and the like. Based on the received inputs, financial solution recommendations are determined and presented to the customer in real time or near time. As such, the customer is able to instantaneously see how each input of recommendation criteria impacts the financial solution recommendations. Further, embodiments of the present invention provide for inputs to the financial solution recommendation tool/module to be received in a non-linear fashion, such that a customer or a collaborating associate may provide inputs at various entry points to accommodate specific financial solution needs of the customer. | 2011-07-21 |
| 20110178909 | PROVIDING VALUE EXCHANGE IN CONNECTION WITH FINANCIAL INSTITUTION RECOMMENDATIONS OFFERS - Systems, methods, and computer program products are provided for presenting value exchange in conjunction with financial solution recommendations or offers. The value component, is not limited to monetary value but may, in specific embodiments, also include, convenience value, emotional value or the like. The value component allows the customer to make informed decisions on which financial solution recommendations or offers to select. Further, the value component may be uniquely and dynamically customized (i.e., determined on-the-fly) for the customer based on inputs received from the customer and/or customer profile data. In addition, the value component may reflect average value realized for the demographic group applicable to the customer. | 2011-07-21 |
| 20110178910 | CONDUCTING A FINANCIAL INSTITUTION INTERACTION ACROSS MULTIPLE FINANCIAL INSTITUTION CHANNELS - Systems, methods, and computer program products are provide for initiating a financial institution interaction, such as financial solution recommendation interaction or the like, on a first financial institution channel and subsequently seamlessly completing the interaction on a second financial institution channel. The movement of the interaction from one channel to another allows the customer flexibility in completing the interaction and accommodates the customer's time constraints. The financial institution channels may include a financial institution banking center channel, an online banking channel, an ATM channel, a mobile application channel, a kiosk channel, a call center channel, a point-of-sale channel or the like. | 2011-07-21 |
| 20110178911 | High Speed Processing of Financial Information Using FPGA Devices - Methods and systems for processing financial market data using reconfigurable logic are disclosed. Various functional operations to be performed on the financial market data can be implemented in firmware pipelines to accelerate the speed of processing. Also, a combination of software logic and firmware logic can be used to efficiently control and manage the high speed flow of financial market data to and from the reconfigurable logic. | 2011-07-21 |
| 20110178912 | High Speed Processing of Financial Information Using FPGA Devices - A high speed apparatus and method for processing a plurality of financial market data messages are disclosed. With respect to an exemplary embodiment, a reconfigurable logic device is employed to (1) receive the financial market data messages, and (2) process each received financial market data message to update a stored record for the financial instrument associated with that message. | 2011-07-21 |
| 20110178913 | HYBRID TRADING SYSTEM FOR CONCURRENTLY TRADING COMBINED ORDERS FOR FINANCIAL INSTRUMENTS THROUGH BOTH ELECTRONIC AND OPEN-OUTCRY TRADING MECHANISMS - A system and method of trading combined orders in an exchange configured for trading by a combination of electronic and open-outcry trading mechanisms is provided. One method includes receiving an incoming order having a first order component and a second order component at an electronic trade engine and routing the first and second order components to a first electronic database. The first and second order components are matched and executed against order components maintained in the first and second electronic databases, respectively. Any unexecuted first and second order components are placed in an electronic book according to a predetermined program if the first or second order component cannot be completely matched against any order components maintained in one of the first or second electronic databases. The system includes a trade engine configured for receiving combined orders from market makers. | 2011-07-21 |
| 20110178914 | Block Trading System And Method Providing Price Improvement To Aggressive Orders - An exemplary embodiment comprises a method for trading items among a plurality of traders, the method comprising: (a) receiving a first order for at least one item from one of the traders into an electronic trading system, wherein the first order provides priority for said at least one item but does not reserve said at least one item; (b) receiving, from another one of the traders, a second order into the electronic trading system that matches said first order; (c) determining that at least a portion of the first order is available to be filled by at least a portion of the second order; (d) reserving said at least a portion of said first order for execution against said at least a portion of said second order; and (e) executing said at least a portion of said first order against said at least a portion of said second order. | 2011-07-21 |
| 20110178915 | Trading Order Validation System and Method and High-Performance Trading Data Interface - A post-trade monitor receives feedback in the form of drop copy messages from an exchange server and validates orders placed with the exchange server by a sponsored access trading platform shortly after the orders have been placed. If a recently placed order is found to violate a rule or regulation, the monitor instructs the trading platform to change to a more restrictive trading mode, such as to cease placing all orders or certain types of orders, at least until certain parameters are met. A library provides an interface in a sponsored access trading platform between a client application program that generates proposed orders and an exchange server. The library provides pre-trade validation of the orders and sends only validated orders to the exchange server. A network enables monitors, trading platforms and libraries to share information about customers' trading activities and locally recalculate customer trading limits resulting from these trading activities. A low-latency interface between a customer server, such as a server that employs algorithmic trading methods to generate buy and sell orders for securities, and a brokerage server that validates such securities trading orders is optimized for handling the securities trading orders. The interface supports a trading command set specifically designed for orders from customer trading application programs, and the interface formats received trading commands into compact messages that are sent over a high-speed communication link to the brokerage server. The interface receives order acknowledgement messages and the like from the brokerage server and invokes callback routines in the customer trading application program to report status information. | 2011-07-21 |
| 20110178916 | SYSTEM AND METHOD FOR CONSTRAINING DEPLETION AMOUNT IN A DEFINED TIME FRAME - Embodiments disclosed herein provide price protection on commodity purchases in which a consumer can select, accept, or otherwise agree to a depletion constraint on the consumption of the commodity thus purchased. Based on the agreed depletion constraint, a provider may adjust terms and/or the price of the price protection. In some embodiments, the depletion constraint can be time-based, quantity-based, value-based, or a combination thereof. In some embodiments, the depletion constraint can be linear. In some embodiments, a consumer may be required to purchase a certain amount of the commodity during a specified time frame. In some embodiments, the provider of the price protection may receive a payment from the consumer when the retail price of the commodity at the time of the purchase is below a specified floor price. In some embodiments, the commodity is motor fuel. | 2011-07-21 |
| 20110178917 | High Speed Processing of Financial Information Using FPGA Devices - A high speed apparatus and method for processing a plurality of financial market data messages are disclosed. With respect to an exemplary embodiment, a reconfigurable logic device is employed to map the symbols present in the financial market data messages to another symbology. | 2011-07-21 |
| 20110178918 | High Speed Processing of Financial Information Using FPGA Devices - A high speed system and method for processing financial instrument order data are disclosed. With respect to an exemplary embodiment, a reconfigurable logic device is employed to monitor a financial instrument order based on a risk profile to determine whether the order is appropriate. If determined appropriate, a financial instrument order can be routed to a trading venue. With respect to another exemplary embodiment, a reconfigurable logic device is employed to maintain a financial instrument order book. | 2011-07-21 |
| 20110178919 | High Speed Processing of Financial Information Using FPGA Devices - A high speed apparatus and method for processing financial instrument order books are disclosed. With respect to an exemplary embodiment, a reconfigurable logic device is employed to (1) process streaming financial market data, the streaming financial market data comprising a plurality of messages representative of a plurality of offers to buy and sell a plurality of financial instruments, and (2) maintain in real-time a plurality of financial instrument order books based on the messages | 2011-07-21 |
| 20110178920 | EQUITY PROTECTION - Systems and methods are illustrated for providing an equity protection product to a borrower of a loan. Aspects of the equity protection product may be implemented using an equity protection agreement. The equity protection product may be used to safeguard a borrower's investment in the event of a housing market downturn. In some examples, once the equity protection is purchased, the borrower's equity can only increase or remain stable (i.e., flat) regardless of market conditions. The payoff amount of the borrower's loan may be reduced to compensate for a change in the market value of the borrower's home. The equity protection product may be provided by a lending institution, bank, or any other comparable entity/person. A trading desk may also be used to hedge against the risk created by the equity protection product. In addition, an appraiser may also be used to evaluate and provide current market values of the relevant property. | 2011-07-21 |
| 20110178921 | METHOD AND SYSTEM FOR MORTGAGE EXCHANGE - A method and system for electronically facilitating real estate transactions by providing accurate representations of the loans a borrower is qualified to receive, which are based on actual data, rather than estimates. All actions required for completing the real estate transaction, from entry of the borrower information to the closing and funding of the loan, are seamlessly integrated. An automated underwriting engine is provided for generating a decision matrix based on user input and/or existing data. An appropriate loan is selected based on the decision matrix, and is communicated to a potential borrower. After a loan is selected, fulfillment processing is performed, and the loan is funded and closed. | 2011-07-21 |
| 20110178922 | System and method for resolving transactions with variable offer parameter selection capabilities - A system and method for the online settling of a transaction is provided. The system includes a server configured to determine a set of curves or planes defining acceptable settlement conditions for the financial transaction, enabling the user to select an acceptable settlement condition using interactive controls or computer implemented controls engageable by the user, such as sliding selectors or rotatable dials or the like, or controls enabling placement of points on a curve or curves. In certain instances, movement or engagement of one control may result in movement or alteration of another control, reflecting interaction between the parameters being controlled as dictated by rules established on behalf of the party to the transaction. The result, once the computer implemented controls present an acceptable settlement condition for the user, is a settlement condition wherein both user and the party to the transaction resolve the transaction on jointly acceptable terms. | 2011-07-21 |
| 20110178923 | Method for electronic transaction settlement - A method implemented in an electronic communication system associated with a settlement house for settling an electronic transaction between a customer and a merchant. The communication system receives through a first electronic communication path a first account identifier of a first account associated with the customer and a transaction amount from the merchant, contacts the customer through a second electronic communication path to allow the customer to select a payment method, and sends through a third electronic communication path the transaction amount and a second account identifier of a second account associated with the customer to a financial services provider associated with the payment method. | 2011-07-21 |
| 20110178924 | CLIENT CUSTOMIZED VIRTUAL OR PHYSICAL CARD FOR USE WITH SELECTED MERCHANTS - A client selects several merchants with whom the card may be redeemed, the amount redeemable, and a design for the card, which is personalized for the card recipient. | 2011-07-21 |
| 20110178925 | Token Based Transaction Authentication - A token based transaction authentication system is disclosed. Issuer, merchants, and a payment processing network generate unique tokens or keys to authenticate messages between themselves and to authenticate a sending entity or consumer as they are redirected between entities. The tokens are also used to identify the particular authentication thread a message or sending entity is associated with. The sending entity authentication occurs over a web-based channel or a mobile based channel. | 2011-07-21 |
| 20110178926 | Remote Variable Authentication Processing - A remote variable authentication processing system is disclosed. A sending entity initiates a remote payment using an alias over an initiation channel. The alias may be associated with one or more nicknames that identify portable consumer devices and metadata. The metadata describes which channels are available for authentication. The sending entity selects a nickname and an associated authentication channel. The sending entity authenticates with an issuer over the selected authentication channel. | 2011-07-21 |
| 20110178927 | VERIFICATION MECHANISM - Systems, apparatuses, and methods for receiving a verification message with information that includes a first portion but not a second portion of an account identifier associated with an account of a consumer. Upon receiving the verification message, searching for the account using the information of the verification message. | 2011-07-21 |
| 20110178928 | Multi Application Smartcard with Currency Exchange, Location, Tracking and Personal Identification Capabilities - A smart card capable of performing more than one function, said smart card comprising a first memory means comprising a first set of data to access a bank account, a second set of data to access a credit card account, a third set of data representing the identification of a holder of the smart card, and a fourth set of data to access telephone communication services. The smart card further comprises a microprocessor, said microprocessor being in electrical communication with a second memory means, and a location tracking means for determining a location of the smart card. | 2011-07-21 |
| 20110178929 | BUSINESS-TO-BUSINESS TRANSACTION QUALIFIER - A system and method are disclosed. The method includes receiving, at a server computer, a transaction clearing request for a transaction, and then determining, using the server computer, if the transaction satisfies a stored blocking parameter. The method further includes allowing, using the server computer, the transaction clearing request if the transaction does not satisfy the stored blocking parameter, and denying, using the server computer, the transaction clearing request if the transaction satisfies the stored blocking parameter. In B2B transactions, clearing requests that are less than (or slightly above) a previously contracted amount can be denied because they are less than what the buyer expected. | 2011-07-21 |
| 20110178930 | Multiple Level Access with SILOS - A silo system process includes providing a partner with a digitally-signed CKM authorization key by an issuer, thereby allowing the partner to create a silo of an agreed size on a storage medium. The owner of the storage medium provides a personal card for provisioning. The partner creates a silo on the personal card. The partner instantiates a silo and provisions the silo with partner-specific CKM keys. The partner notifies the issuer by that the silo has been created, thereby allowing the issuer to track creation of silos on each card for card management and billing purposes. The partner manages the silo by using the partner-specific keys. | 2011-07-21 |
