31st week of 2011 patent applcation highlights part 58 |
Patent application number | Title | Published |
20110191174 | SYSTEM FOR TARGETED ADVERTISING - A system for targeted advertising. The system comprises a client computing device having Internet connectivity and at least one display, a browser adapted to run on said client computing device for accessing content on Internet, an advertising software adapted to run on said client computing device for accessing advertisements and comprising means for obtaining information about user-relevant categories of advertisements,and means for down loading image advertisements according to user-relevant categories. The advertising software is adapted to display an image advertisement on the display, comprises means for detecting a triggering event initiated by the user activating a user input interface of the client computing device, allows the user to choose whether or not to display an advertisement downloaded upon detection of the triggering event. If the user has chosen to display an advertisement downloaded, the advertising software is adapted to at least temporarily block access to content on a communication network while displaying one advertisement. | 2011-08-04 |
20110191175 | Determining a Meaning of a Knowledge Item Using Document Based Information - Systems and methods that determine a meaning of a knowledge item using related information are described. In one aspect, a knowledge item is received, related information associated with the knowledge item is received, at least one related meaning based on the related information is determined, and a knowledge item meaning for the knowledge item based at least in part on the related meaning is determined. Several algorithms and types of related information useful in carrying out such systems and methods are described. | 2011-08-04 |
20110191176 | METHOD OF DELIVERY, TARGETING, AND MEASURING ADVERTISING OVER NETWORKS - Methods and apparatuses for targeting the delivery of advertisements over a network such as the Internet are disclosed. Statistics are compiled on individual users and networks and the use of the advertisements is tracked to permit targeting of the advertisements of individual users. In response to requests from affiliated sites, an advertising server transmits to people accessing the page of a site an appropriate one of the advertisement based upon profiling of users and networks. | 2011-08-04 |
20110191177 | PRE-POPULATION OF MERCHANT CHECK-OUT ENTRY FIELDS - Embodiments of the invention provide for systems, devices, apparatus, methods and computer program products for pre-population of data entry fields in a merchant checkout system. Based on the offer program customer's relationship with the financial institution and the financial institution relationship with the merchants the check-out system is able to leverage these relationships to provide for a more efficient check-out process. | 2011-08-04 |
20110191178 | SYSTEM AND METHOD FOR CONTEXTUAL ADVERTISING - System and method for contextual advertising in which a video file is encoded with cue points, and an XML file containing contextual advertisement information for at least three products is generated. When a first cue point is reached, the product image, product name and product description for the first contextual advertisement are encapsulated in a link to the product URL and displayed in a bottom panel. As each successive cue point is reached, the product image, product name and product description for each successive contextual advertisement are encapsulated in a link to the product URL for that contextual advertisement and displayed in the bottom panel, and the product image and product name for the contextual advertisement last appearing in the bottom panel are encapsulated in a link to the product URL and added to the side panel. | 2011-08-04 |
20110191179 | SYSTEM AND METHOD FOR PROFILING LISTENERS TO IMPROVE CONTENT DISTRIBUTION AND LISTENER RETENTION - Listener data is gathered by obtaining first behavioral information from a user visiting a first website or mobile device using a first ID, obtaining second behavioral information from the user visiting a second website or mobile device that provides a different product from the first website using a second ID, correlating the first and second behavioral information to determine that they are that of a single user, associating the first ID with the second ID, and associating the first behavioral information with the second behavioral information. The method may use a device identifier for a device that accesses a streaming media site, and store information associated with the media site and the user's behavior. Credits can be assigned to the user based on the user's behavior, and promotions made available based on the user's behavior. The credits can then be accepted as tender for one or more of the promotions. | 2011-08-04 |
20110191180 | SEARCH ANALYZER SYSTEM FOR INTEGRATED MERCHANT OFFER PROGRAM AND CUSTOMER SHOPPING - Embodiments of the invention include a merchant offer program application, which is downloaded onto a customer computer, and that works in connection with the customer's accounts at an institution. The merchant offer program application monitors the websites that the customer views, as well as the content the customer is viewing on those websites, such as the products offered for sale through the website or other information on the website. The merchant offer program provides additional information to the customer, such as special offers that are available for the product being viewed, the identity of other merchants that offer the product or a competing product, advertisements or offers regarding other ancillary products typically sold along with the product being considered, etc. The information sent to the customer can be based not only on the website product being viewed, but on the customer's past purchase behavior, account balances, interests, etc. | 2011-08-04 |
20110191181 | WISH LIST FOR INTEGRATED MERCHANT OFFER PROGRAM AND CUSTOMER SHOPPING - Embodiments of the invention include a merchant offer program application, which is downloaded onto a customer computer, and that works in connection with the customer's accounts at an institution. The merchant offer program application monitors the websites that the customer views, as well as the content the customer is viewing on those websites, such as the products offered for sale through the website or other information on the website. The merchant offer program provides additional information to the customer, such as special offers that are available for the product being viewed, the identity of other merchants that offer the product or a competing product, advertisements or offers regarding other ancillary products typically sold along with the product being considered, etc. The information sent to the customer can be based not only on the website product being viewed, but on the customer's past purchase behavior, account balances, interests, etc. | 2011-08-04 |
20110191182 | System and Method for Managing and Optimizing Advertising Networks - The system of the present invention is used to execute data consolidation to combine data from Google, MSN and Yahoo, at least. The user does not need anymore to combine by himself data in spreadsheets. The system allows creating consolidated campaigns that span across search providers, letting the user effortlessly build reports that previously took hours to create each month. The system of the present invention is particularly suited for agencies. A tool designed for agencies needs to allow for management at the client level as well as the agency level. The system client center gives each member of the team a summary view of the client accounts that they're responsible for, along with emerging trend indicators for every major metric. | 2011-08-04 |
20110191183 | METHOD AND APPARATUS FOR MANAGING PREPAID USER INITIATED ADVERTISER CONTENT PRINTING OPERATION AT A CUSTOMER SITE - Document processing device account management systems and methods are disclosed for managing prepaid usage document processing devices to allow user initiated advertiser content printing operation at a customer site with no cost to the user, and to facilitate making reservations and payment in advance for reserved services. | 2011-08-04 |
20110191184 | MOBILE LOCATION INTEGRATED MERCHANT OFFER PROGRAM AND CUSTOMER SHOPPING - Embodiments of the invention include a merchant offer program application, which is downloaded onto a customer computer, and that works in connection with the customer's accounts at an institution. The merchant offer program application monitors the websites that the customer views, as well as the content the customer is viewing on those websites, such as the products offered for sale through the website or other information on the website. The merchant offer program provides additional information to the customer, such as special offers that are available for the product being viewed, the identity of other merchants that offer the product or a competing product, advertisements or offers regarding other ancillary products typically sold along with the product being considered, etc. The information sent to the customer can be based not only on the website product being viewed, but on the customer's past purchase behavior, account balances, interests, etc. | 2011-08-04 |
20110191185 | SYSTEM AND METHOD FOR TARGETING USERS FOR CONTENT DELIVERY - Methods, systems and computer program products are provided for targeting users for content provision. In one method, the method receives at a server, one or more content objects and one or more ZIP+4 codes as targeting parameters for the one or more content objects. The method retrieves personal information of a plurality of users. The method then identifies one or more of the plurality of users located in geographic areas corresponding to the one or more ZIP+4 codes based, at least in part, on the personal information. Subsequently, the method targets a content object of the one or more content objects to the one or more of the plurality of users based on the identified geographic areas of the users and the ZIP+4 codes associated with corresponding ones of the one or more content objects. | 2011-08-04 |
20110191186 | Method of autonomously recommending charging event of electric vehicle based on multiple factors and displaying carbon footprint data and personalized advertising via the vehicle display - A method and system is provided in which a computer system within the Electrical Vehicle periodically connects to a remote database which recommends to the driver to start a charge event based on location and proximity to a charging station, discharge history, power capacity, power cost, time of day, and power generation means (e.g. solar vs. coal), as well as displaying vehicle carbon footprint data and dynamically delivered advertising. | 2011-08-04 |
20110191187 | FINDING MOBILE STATION FOR DEVICE-TO-DEVICE COMMUNICATION - According to one example, a method may comprise receiving, by an advertising mobile station in a wireless network, a master profile message from an access node, the master profile message comprising, for each of a plurality of mobile stations in the wireless network, a timing parameter and at least one profile element; selecting at least one receiving mobile station from the plurality of mobile stations based, at least in part, on comparing the timing parameter of the receiving mobile station to the timing parameter of the advertising mobile station and checking the at least one profile element of the receiving mobile station against a proposed advertisement; sending a location request message to the at least one receiving mobile station; receiving the location message from the at least one receiving mobile station, the location message indicating a location of the at least one receiving mobile station. | 2011-08-04 |
20110191188 | METHOD AND A SYSTEM FOR DISSEMINATING DIGITAL DATA - The invention relates to a method and a system for the dissemination of digital data between a terminal and a digital data dissemination platform including the following steps: connection of the terminal to a server of the platform, —authentication of a user to his account by the transmission of an identifier to the server, —selection from means of selection of the terminal by user of: •the digital data to be downloaded, and • a video spot that the user wishes to see during the downloading of the digital data, display of the video spot on the screen of the terminal, wherein the downloaded digital data is validated, in order to be useable, by the user by actuating the means of selection during a time t of a countdown which is displayed on the screen at the end of the broadcasting of the video spot. | 2011-08-04 |
20110191189 | Telecommunication and Advertising Business Model and Method of Utilizing Same - A telecommunication and advertising business model and method of utilizing same ( | 2011-08-04 |
20110191190 | DELIVERY FORECAST COMPUTING APPARATUS FOR DISPLAY AND STREAMING VIDEO ADVERTISING - A computer-driven apparatus coupled to a network receives data from metadata sources and consumers' display devices. From the sources, the apparatus collects metadata concerning characteristics of a given item of host video and a proposed class of advertisements for web delivery proximate or embedded in the given item. The apparatus continually monitors actual delivery of the given item by receiving transmissions from consumers' display devices. The apparatus develops initial forecasting inputs based on historical data from similar host videos, and then adjusts the forecasting inputs based on the actual deliveries. These forecasting inputs are used to compute an interim supply of advertising opportunities associated with the given item, which is reduced by relevant factors to provide a net available supply forecast. The apparatus provides a human-readable display of information including the net available supply forecast. | 2011-08-04 |
20110191191 | PLACEHOLDER BIDS IN ONLINE ADVERTISING - Some embodiments of the invention provide techniques for placing “placeholder” bids in an auction associated with online advertising marketplace. Placeholder bids can include bids that are not actually entered or placed in the auction or marketplace. Rather, placeholder bids can include hypothetical bids. Impacts of placeholder bids, should the placeholder bids have been entered or placed as actual bids, can be assessed. An assessment can include assessing an impact on auction and marketplace parameters, an impact on bid or campaign performance, and an impact on downstream parameters such as user behavior, such as associated conversions or purchasing. | 2011-08-04 |
20110191192 | METHODS APPARATUS AND SYSTEMS FOR FACILITATING THE SALE OF VENTURE RELATED FINANCIAL INSTRUMENTS - Disclosed is a system for facilitating venture financing comprising a communication module adapted to receive over a communication network data representing one or more parameters associated with the venture. A first module of the system may be adapted to initiate one or more database queries using search terms derived from the one or more received parameters and may further be adapted to perform automated business analytics on results from the one or more database queries so as to compile information indicative of an investment potential of the venture. A second module of the system may be adapted to accept, execute and/or record financial transactions related to one or more financial instruments of the venture. One or more modules of the system may be adapted to generate a web banner associated with one or more financial instruments of the venture, such that the banner includes a code indicating the venture and/or a financial instrument of the venture. | 2011-08-04 |
20110191193 | MARKETING AND DELIVERING FINANCIAL COACHING SERVICES - Marketing and delivering financial coaching services involves sponsoring a website pertaining to financial coaching services, engaging an electronic communications media partner to direct potential customers to the website, and calculating a behavior-based quality rating reflecting the business opportunity value of the potential customer. When the quality rating exceeds a predetermined threshold, the potential customer is associated to an assigned sales agent who determines an interest rating reflecting the importance of the financial coaching services to the potential customer. When the interest rating exceeds a predetermined threshold, the potential customer is associated to an assigned enroller who determines a readiness rating reflecting the willingness of the potential customer to purchase financial coaching services. When the readiness rating for the potential customer exceeds a predetermined rating, the potential customer is enrolled for financial coaching services, oriented by telephone, and receives an ordered sequence of one-on-one financial coaching sessions and financial coaching resources. | 2011-08-04 |
20110191194 | METHOD AND APPARATUS FOR GENERATING MENU INFORMATION - Methods and Apparatus related to generating representations of information. The information may include menu information for merchants such as restaurants. Referring to menus, methods may include receiving potential information for a first menu, and receiving indications of associations of the information with the first menu and/or any number of additional menus. Information and/or associations may later be updated by a desired set of users. | 2011-08-04 |
20110191195 | INTELLIGENT VIDEO VERIFICATION OF POINT OF SALE (POS) TRANSACTIONS - A method of monitoring a point of sale (POS) transaction including: receiving non video data regarding the POS transaction; defining exceptional transaction rules based at least on predetermined non video POS data events; inferring a potentially exceptional transaction based on a corresponding exceptional transaction rule and the received POS non video data; and verifying the inferred potentially exceptional transaction with video data regarding a corresponding POS transaction. | 2011-08-04 |
20110191196 | System for Interfacing a Client Device with a Point of Sale System - An information technology system taking the form of a management console, central server, point of sale system, software running on a point of sale system and software running on a customer's mobile phone. The software on the customer's mobile phone lets a customer interact with the point of sale system, allowing the customer to view a pending economic transaction, optionally add or remove items to the transaction, and pay for the transaction using payment information stored on the mobile phone. | 2011-08-04 |
20110191197 | METHODS AND APPARATUS FOR MANAGING CREDIT CARD USAGE IN PRE-PAID PRINTING SYSTEM ACCOUNTS - Methods and systems are presented for managing prepaid usage of document processing devices, in which an account manager system ( | 2011-08-04 |
20110191198 | METHODS AND SYSTEM FOR CONSUMABLE ORDER CREATION - Systems and methods are presented for generating consumable orders for document processing devices and for verifying approved source consumable usage in document processing devices, in which a customer computer receives electronic reports from the devices and from these ascertains whether particular devices will need replacement consumables and also whether non-program consumable products are being used in particular devices. If a replacement will be required, the customer computer presents a proposed order to the customer via prompting content customizable by a reseller. The customer can then accept, modify, or reject the proposed order, and any accepted or modified order is forwarded to an account manager system for automatic placement for consumable shipment from a manufacturer or distributor. If the device has a non-program consumable installed, the customer computer notifies the account manager system and may warn the customer that continued usage may void one or more warranty extensions or other program incentive. | 2011-08-04 |
20110191199 | Supply Chain Integration - A method is provided comprising a first computer uploading a file to a database wherein the file identifies devices associated with an order and serial numbers associated with the devices. The method also comprises a second computer comparing the range of serial numbers in the file to a range of serial numbers identified by the order. When the ranges identified by the file and the order do not correlate, the second computer transmits a message to the first computer indicating the ranges do not correlate. When the ranges identified by the file and the order do correlate, the second computer transmits a message to the first computer indicating the ranges correlate. Based on the first computer receiving the message indicating that the range of serial numbers identified by the file correlates to the range of serial numbers identified by the order, the first computer ships the devices. | 2011-08-04 |
20110191200 | METHOD AND SYSTEM FOR AUTHENTICATING ONLINE TRANSACTIONS - The present invention generally relates to authenticating online transactions, and more specifically, to method and system for determining a potentially fraudulent online transaction request based on a risk parameter associated with a user in a networking platform such as, a social networking platform. The method comprises receiving an online transaction request from a user. Thereafter, determining the risk parameter of the user based on one or more profile parameters associated with the user or one or more peer users associated with the user in the community. Based on the risk parameter of the user the online transaction request of the user is authenticated. | 2011-08-04 |
20110191201 | AUTOMATED LISTING MANAGEMENT - Disclosed is a sales system for lots of items that includes business rule definition logic. The sales system also includes offering creation logic that is operative to dynamically create different offerings for items in the lots. The offering creation logic optimizes return based on one or more of the business rules by using different offering parameter values for the different offerings. | 2011-08-04 |
20110191202 | Method, apparatus and system for bidding custom parts - A method that includes: generating a request for quote for a custom part via a computer network system; receiving one or more bids for the request for quote via a computer network system; and accepting and paying an invoice for a bid acceptance via a computer network system. | 2011-08-04 |
20110191203 | AUTOMOTIVE SALES RESOURCE DEVICE AND METHOD OF USING THE SAME - A system and method for providing automotive resource information to a plurality of users can include the use of a plurality of portable devices. Each device has a display screen for displaying information and a storage medium for storing information thereon. The storage medium of each device can contain an application for displaying automotive information on the display screen of the device. | 2011-08-04 |
20110191204 | COMPUTERIZED ARTICLE CUSTOMIZATION SYSTEM AND METHOD FOR USE THEREOF - The present invention is a method for soliciting orders for customized apparel. The apparel can be appendage apparel, such as footwear, gloves, or head gear, or non-appendage apparel such as jackets. The present method includes providing an order form accessible through at least one computer by one or more users. The present method further includes providing one or more possible design parameters, requesting the user to customize the apparel by entering at least one of the parameters on the order form. The user submits the order form through the computer and receives apparel according to the order form. The parameters may include size, material, model, style, color, material treatment, or personalization. | 2011-08-04 |
20110191205 | Portable communicator - This communicator makes it possible for the user to do telephone, facsimile, and data communication at any location. On a pen input device, a space eye | 2011-08-04 |
20110191206 | Automated Processing of Digital Media Collections For Distributed E-Commerce - A method and a network device for e-commerce on a seller's website, including maintaining by an e-commerce server a catalog of products wherein each product may be ordered in conjunction with a media item and wherein the price of a product varies in accordance with the media item, receiving, by a buyer's web browser, a web page from the seller's website, the web page including at least one image, each image corresponding to a media item, enabling the buyer to select an image, said image corresponding to a desired media item, and a product, sending information about the selected image and the selected product, to the e-commerce server wherein the e-commerce server has no previous price information about said desired media item, dynamically determining, the purchase price of the selected product in conjunction with the desired media item, and enabling the buyer to specify a purchase order for the product. | 2011-08-04 |
20110191207 | SYSTEM AND METHOD FOR USING A MOBILE DEVICE TO LOCATE A FOLLOWED ITEM IN A RETAIL STORE - A computing device receives information that is representative of a location of a mobile device and uses the information representative of the location of the mobile device to select one or more maps corresponding to a retail establishment. The computing device also receives information that is representative of a customer and uses the information representative of the customer to place on the one or more selected maps indicia indicative of one or more locations within the retail establishment at which one or more items determined to be of interest to the customer are located. The one or more selected maps with the indicia are then provided to the mobile device for display. | 2011-08-04 |
20110191208 | Notary application services - The unique part of our product is the invention of the all-in-one price packet, which includes all checks, fees, bonds, insurance and notary tools. | 2011-08-04 |
20110191209 | Method and System for Conditional Transactions - A method and system for conditional transactions (purchases/financial transactions) are provided. The system may include of these types of cards, to include but not limited to, credit, debit, gift, stored-value, charge, ATM or may use mobile devices with NFC in a swipe and go mode, or other types of mobile payment systems. The system provides one or more master accounts wherein each master account is tied to and control one or more subordinated accounts. Each subordinated account may have a configurable/customizable set of permissions defined by the master account. The subordinated account holder would optionally require permission from the master account holder to complete a purchase/financial transaction. The master account holder would have an extensible number of configurable/customizable permission rules to choose from for each subordinate account. | 2011-08-04 |
20110191210 | ONLINE FINANCIAL INSTITUTION PROFILE ELECTRONIC CHECKOUT - Embodiments of the invention provide for methods, apparatuses, and computer program products for providing a financial institution check-out system for processing online transactions using a customer's pre-existing online financial institution profile. A customer desiring to checkout from an online vendor's electronic marketplace is given a choice to checkout using a financial institution's secure checkout widget, which is rendered alongside the customer computer system's web browser application by a financial institution server. The widget authenticates the customer as a financial institution account owner, and the financial institution server displays to the customer his or her available payment accounts and receives customer input regarding the desired payment account. The server runs a payment service engine that controls payment for the transaction, and then the widget communicates proof of successful payment to the vendor server. The vendor server receives payment confirmation from the financial institution server and thereafter communicates successful payment confirmation to the customer via the vendor's checkout interface. | 2011-08-04 |
20110191211 | Image Search Apparatus and Methods Thereof - Embodiments of a method and apparatus of image search are provided. An exemplary method of image search includes: receiving a request and returning a web page, where the returned web page allows uploading an image and adding annotation content for the image; receiving and storing the image and the annotation content for the image; and providing the annotation content for the image as a search index to an image search engine. Using the disclosed method and server, more searches related to information in an image can be provided. Moreover, because more information related to merchandise in an image can be provided to a viewer, it is believed that more online transactions can be facilitated. | 2011-08-04 |
20110191212 | SYSTEM AND METHOD FOR MANAGING CONSUMABLE RETURN REFUND PROCESSING - Account manager systems and methods are disclosed for managing consumable return refund programs for repaid document processing devices, in which automated or semiautomatic refunds are provided by adding account credits to prepaid customer accounts and/or by directly applying print units to specific document processing devices for customers who return spent consumable products. | 2011-08-04 |
20110191213 | SECURING USER ACCESS TO A PARAMETER VALUE ACROSS A SOFTWARE PRODUCT LINE DIFFERENTLY FOR DIFFERENT PRODUCTS - A computer is programmed to receive from an administrator, a rule specifying one or more values of a parameter, identification of software wherein the rule is to be applied, and identification of a user on whom the rule is to be applied. The computer stores an association between the rule, the identified user and the identified software. On receipt of input from the identified user, to access the identified software, the computer uses the association to retrieve the rule, apply the rule to select information based on the value(s) specified in the rule, and execute the identified software to display the selected information to the identified user. Use of a rule that is specific to the user and also specific to the software enables the computer to support security for each user differently for different pieces of software in a software product line. | 2011-08-04 |
20110191214 | GENERAL LEDGER (GL) JOURNAL DELETE/ACCOUNTING LINE REVERSAL WEB SERVICE - A web service for automatically determining accounting entries that are affected by the deletion of a journal, formulating reverse accounting entries, and sending the reverse entries back to the source system is described. The service can use transaction identification keys to map and track which accounting entries are affected by the deletion of the journal. The web service can use extensible markup language (XML) among other formats. | 2011-08-04 |
20110191215 | UNIVERSAL TAX ENGINE - A program controlled apparatus, system, and method for determining the transactional taxes due for each item by any taxing authority worldwide. The apparatus comprises a first database comprising a tree structure identifying all of the zones to be examined. A second database comprising all of the taxing authorities is independent from the first zone database. A third database, decoupled from the first and second databases, has data representing the relationship between the data records of the first database and the data records of the second database. Each of the databases can be updated periodically to reflect any changes in identified taxing authorities for the zones over which they may have taxing authority. Furthermore, the present invention provides for an independent, autonomous determination of jurisdiction and tax for each line item and calculates the tax based on any exceptions and exemptions. | 2011-08-04 |
20110191216 | SYSTEM AND METHOD FOR CALCULATING TAXES AND MULTI-CURRENCY PRICING - A method and a system for determining taxes attributable to a financial transaction create a tax rate table, link an entity of the financial transaction to the tax rate table through a product rule, and calculate taxes based on the tax rate table according to one component of the financial transaction. The tax rate tables can be linked by a default product rule, which is a defined by a global variable. Alternatively, specific product rules can be used to link specific entities, such as tax jurisdiction records, or legal entity records. In one application, the method and the system calculate revenue tax, cost tax, input tax, and profits for each transaction. The method and the system may further include multi-currency support analysis for a financial transaction so that a financial transaction can be analyzed under a common currency, even though the financial transaction is conducted using one or more currencies in one or more jurisdictions. | 2011-08-04 |
20110191217 | APPROVAL WORKFLOW ENGINE FOR SERVICES PROCUREMENT TIMESHEETS, PROGRESS LOGS, AND EXPENSES - This disclosure describes, generally, methods and systems for implementing an approval workflow engine and approval framework for timesheets, progress logs, and expenses. The method includes receiving, at an approval engine of an application server, information representing a timesheet, progress log, or expense. The approval engine may apply one or more rules to determine whether the rules are satisfied by corresponding attribute values of attributes for the timesheet, progress log, or expense. Notification may be generated and transmitted to one or more approvers and/or reviewers based on applications of the rules. An indication of approval and/or disapproval may be received from each of the approvers and/or reviewers. Rules may be defined for automatic assignment of multi level approvers, based on specific attributes. An approver may have the option to approve, deny, or push back a transaction. Approvers and submitters can have visibility of the full approval path and current approval status throughout an approval process. In addition, post approval adjustments can be routed for approval based on adjustment approval rules. | 2011-08-04 |
20110191218 | MOBILITY BILLING AND TRACKING APPLICATION FOR SMART CELLULAR PHONES AND PHONES WITH THIS CAPABILITY - A billing and tracking application is provided for adding new clients, billing clients, creating estimates, tracking time, creating invoices, entering expenses and payments on smart cellular phones such as a Blackberry® phone. The phone in which this application is installed and the computer to which the information is sent is also disclosed. This allows a user to organize and manage their finances and manage their time away from the office. | 2011-08-04 |
20110191219 | TIME TRACKING SYSTEM AND METHOD OF USE - A system and method of managing time and, more particularly, to a system and method for automatically tracking time in an electronic system. The system includes a time tracking tool is configured to be integrated with an instant messaging system. The time tracking tool is configured to associate a received instant message with one or more projects and track a session time in which the received instant message is active. | 2011-08-04 |
20110191220 | METHOD FOR CHARGING A PLUG-IN ELECTRIC VEHICLE - A method for charging a plug-in electric vehicle with an external power source. In an exemplary embodiment, the method receives one or more utility rate preferences from a user, determines the utility rates of a local utility company, determines the total charging time needed to charge the plug-in electric vehicle, uses the utility rate preferences, the utility rates and the total charging time to develop several charging options that are presented to a user, and charges the plug-in electric vehicle according to the charging option selection made by the user. | 2011-08-04 |
20110191221 | APPROVAL AND PAYMENT PORTAL - Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for web-based portal that facilitates payment approval by a payor and provides selectable payment options to the payee. | 2011-08-04 |
20110191222 | SYSTEMS AND METHODS FOR MANAGING EVENTS - Systems and methods consistent with the invention may include receiving, by a portal, requests from entities to become members, selectively granting the requests by the portal, receiving information by the portal from a plurality of first members, in response to requests from the first members, creating member files in the database using the received information, the files corresponding to the first members, receiving an information request by the portal from a second member, and selectively supplying by the portal to the second member, information from at least one of the files, the supplied information being selected based on the requests. | 2011-08-04 |
20110191223 | Internet Control Management and Accounting in a Utility Computing Environment - The present invention relates to a method of Internet usage tracking and billing in a utility computing environment and also to a system for control, management and accounting of the said internet usage on per user basis. The present invention is also directed to resolve the issue of same IP address for multiuser and tracking of the Internet usage and bandwidth control on consolidation in utility computing environment, by introducing a separate Utility Computing Internet Control Server (ICS) between the terminal server (TS) and the Internet. All internet traffic originating from the TS are redirected to go through the ICS. The invented system and the method of dynamic control and management according to the present invention deal primarily with the tracking and billing model of the Internet resource in the Utility Computing Environment on per user basis. | 2011-08-04 |
20110191224 | MESSAGE BROADCASTING NETWORK USAGE BILLING SYSTEM AND METHOD - A system and method for determining billable transmission network usage for transmitting a broadcast message to a plurality of broadcast message receiving devices located within a broadcast target area by a broadcast transmission network serving a network serving area with a plurality of network transmission elements each serving a network element portion of the network serving area including determining the network transmission elements having network element serving area portions that serve at least a portion of the received broadcast target area, determining network element serving areas, determining a density of broadcast receiving devices, and generating over an output data interface an incurred network usage record for the broadcast message record as a function of the determined density and the network element broadcast area served. | 2011-08-04 |
20110191225 | CURRENCY EQUIVALENCY APPLICATION - Embodiments of the present invention provide apparatuses and methods for a currency equivalency application for a business activity monitoring (BAM) applications. The currency equivalency application monitors business activities across international processes and systems that deal with multiple types of currencies. The user enters into the currency equivalency application user defined preferences, such as, but not limited to, the BAM application to which to apply the preferences, the type of currencies, value amounts, dates for the actual currency exchange rate, dates for future currency exchange rates, confidence scores, etc. The currency equivalency application identifies the proper exchange rates and in some cases estimates future exchanges rates, and converts the output for currency values in BAM applications into the user defined currency values, which allows the users across the world to quantify and view the currency value outputs in a form that the user understands. | 2011-08-04 |
20110191226 | INTEGRATED REAL ESTATE MODELING SYSTEM - Embodiments of the invention provide systems, apparatuses, methods, and computer program products configured to estimate the financial costs and savings associated with moving operations and migrating workforce from one site to another. Embodiments of the present invention provide a comprehensive automated financial model of a proposed move of operations by sourcing real estate costs data and labor data pertaining to both the current site and the proposed receiving site from numerous resources and utilizing such data to estimate the costs and savings associated with the move in real time. | 2011-08-04 |
20110191227 | BANKRUPTCY EVALUATION SERVICE AND SYSTEM - A method for assigning a value to a debt is disclosed. The method includes entering, into a digital computer, bankruptcy data associated with a bankruptcy proceeding after a debtor has filed for bankruptcy. The bankruptcy data may include priority claim data associated with priority claims, non-precedence claim data associated with non-precedence claims, and bankruptcy plan data. After the bankruptcy data are obtained, the digital computer determines a present value associated with at least one non-precedence claim in the non-precedence claims. | 2011-08-04 |
20110191228 | SYSTEM AND METHOD FOR TO BE ANNOUNCED (TBA) BOND TRADING - A system and method for bond trading and TBA bond contract trading. The system includes a bond contract buying module operable to perform activities related to buying a first bond contract and a bond contract selling module operable to perform activities related to selling a second bond contract. The first bond contract includes a first description of bonds that satisfy the first bond contract. The second bond contract includes a second description of bonds that satisfy the second bond contract. The system further includes a clearing entity communication module operable to communicate with a clearing entity regarding the activities related to the buying of the first bond contract and the selling of the second bond contract. | 2011-08-04 |
20110191229 | SYSTEM AND METHOD FOR ALLOCATING ELECTRONIC TRADE ORDERS AMONG A PLURALITY OF ELECTRONIC TRADE VENUES - A method and system for optimizing allocation of large block orders for a security for maximum fill rate and minimum information leakage. The invention includes a process by which a block order for a security is allocated to a number of suborders which are then submitted to various electronic trading destinations to be filled. This allocation process involves ranking the suborders on the basis of a quality measurement, calculating and assigned a liquidity expectation to each suborder, determining a maximum target execution rate for the security that will not result in market impact, assigning orders to a trade list beginning with the higher rank suborder until the sum of shares represented in the list is equal to the maximum target execution rate, allocating the suborders not assigned to the trade list, and submitting the suborders to the corresponding electronic trading destination. | 2011-08-04 |
20110191230 | METHOD AND SYSTEM FOR OPTIMAL PRICING AND ALLOCATION FOR A SET OF CONTRACTUAL RIGHTS TO BE OFFERED WITH CANCELING/MODIFYING OF INDICATIONS OF INTEREST - A method and system for the determination of optimal pricing and allocation of securities in an open, competitive environment. The method and system may also be used in developing pre-markets of other items that are difficult to price and allocate in a competitive manner, such as the underwriting/securitization of contracts for property; future revenue/earning streams from an asset and/or group of assets; underwritten insurance portfolios, intellectual property and other goods and services. The system of price optimization and allocation is accomplished by interactive feedback of information using a display and including competitive participation of individual members of the public (and/or their agents) or institutional buyers over a data network e.g., the Internet, uncovering the nature and identification of demand in a self-organizing fashion. Demand emerges through participants' interaction with the system and with each other, via a graphically-supported, interactive reservation process. | 2011-08-04 |
20110191231 | Method and System for Improving Trading and a Trader's Ranking - A method and system are disclosed for improving trading and a trading client's rankings in a platform exchange of member clients. The method includes assigning a credit exchange rate to website performance metrics such as Google Page Rank and Alexa Rank. The broker maintains an ordered database of all clients' website backlink credit accounts where the highest account is ordered most significantly for distribution to members. Templates created by a client include a desired reference URL, desired anchor text for the link, and a description. A client may pull a backlink template within a predetermined category or class based on the highest qualifying account and posts a link to another client's website based on the link template. The client earns credits for posting a link to another member's website based on his page rank and pays credits to other members posting links to his website based on their page rank. | 2011-08-04 |
20110191232 | COMPLEX TRADING MECHANISM - A trading apparatus including an order receiver, an order storage module, a trade generator and a reporting module. the order receiver receives orders from at least one trader, wherein the orders include at least one complex order. The order storage module stores the orders. The trade generator generates trades based on the orders and a trading mechanism. The reporting module reports the trades. | 2011-08-04 |
20110191233 | Auto Substitution Collateral Management System and Method - An auto substitution system and method are provided for facilitating fulfillment of intraday trading requirements by implementing collateral in encumbered shells of tri party repo agreements. The method is triggered upon notification of insufficient unencumbered collateral to satisfy delivery instructions for required collateral. The method includes receiving, at an auto substitution system, a request for the required collateral upon failure to locate unencumbered required collateral. The method further includes implementing computer processing components of the auto substitution system to search for the required collateral in the encumbered shells and upon finding the required collateral, searching for replacement collateral for the required collateral. The method further includes implementing the required collateral found in the encumbered shells to fulfill delivery instructions and substituting the replacement collateral for the required collateral found in the encumbered shells. | 2011-08-04 |
20110191234 | Securitization System and Process - A system and process is disclosed for providing a financial product having a return correlated to a benchmark with a reduced tracking error over time. | 2011-08-04 |
20110191235 | HYBRID CROSS-MARGINING - A hybrid cross-margining system is disclosed. The disclosed provides for both joint accounts, maintained by multiple exchanges, as well as non-joint accounts, whereby the system recognizes both intra-account offsets within the joint account and inter-exchange offsets between the joint account and accounts maintained by another exchange to minimize the margin requirement of the associated market participant with respect to the positions reflected in these accounts. | 2011-08-04 |
20110191236 | Virtual card - A system for securing a financial transaction that includes a back-end unit for generating a value that is used in the financial transaction, a central communication engine for receiving the value from the unit, wherein the engine is capable of receiving and sending the value securely, and a device that includes a processor, a communication module for receiving the value, and a memory unit for storing the value, and a display for providing information related to the value, wherein the information secures the financial transaction. | 2011-08-04 |
20110191237 | Information Access Device and Data Transfer - Embodiments of the present invention are directed to systems, apparatuses and methods for using a first device with an accelerometer to transfer data by making contact with a second device with an accelerometer, thereby generating interaction data that is representative of the physical contact between the mobile device and the second device. The first device may be a mobile phone. The second device may be a mobile phone or a stationary kiosk or terminal. A first device with an accelerometer physically contacts the second device. Each of the first and second devices generate interaction data (e.g., accelerometer, location, time data, etc.) representative of the physical interaction between the first and second device. A server computer determines, based on interaction data, that the first device and the second device physically contact each other. After determining that the mobile device and the second device made contact, communications may be initiated between the devices. Communications may include customer-provided information (e.g., shopping lists) and merchant-provided information (e.g., items in stock or on sale from the consumer's shopping list). In some embodiments, at least two independent interactions between three devices transfer data from a first computing device to a second computing device, after each of the first and second computing devices independently interacts with a mobile device. | 2011-08-04 |
20110191238 | VARIABLE MERCHANT SETTLEMENT OPTIONS - Embodiments of the invention provide for offering variable settlement options to merchants. The merchant and/or the financial institution can define settlement rules based on many settlement options, such as settlement time, settlement location, settlement channel, type of product/service associated with the transaction, and the like. Based on the occurrence of a transaction, the transaction parameters, such as settlement time, location and/or channel are determined by applying the settlement rules to the transaction. Accordingly, the transaction is settled according to the determined settlement rules. In alternate embodiments merchant settlement variables, such current financial status, cash flow requirements, credit requirements and the like, are monitored and the variables are applied to the settlement rules to determine the settlement parameters. | 2011-08-04 |
20110191239 | MONITORING RETAIL TRANSACTIONS ASSOCIATED WITH A FINANCIAL INSTITUTION-BASED MERCHANT OFFER PROGRAM AND DETERMINING SAVINGS METRICS - Embodiments of the invention provide for monitoring transactions and providing related savings metrics in association with a financial institution-based merchant offer program. Since the transaction monitoring occurs at the financial institution level, the savings metrics may include both amounts saved by accepting the merchant offers associated with the program and savings amounts lost by conducting a transaction absent a merchant offer when an applicable merchant offer was available. | 2011-08-04 |
20110191240 | METHOD AND APPARATUS FOR DISTRIBUTION OF MONEY TRANSFERS - A method of performing money transfer send transactions begins with receiving registration information from a customer, including customer identification and qualification information and payment source identification and performing verification of at least a portion of the identification and qualification information and the payment source identification and upon sufficient verification building a distribution profile. The method proceeds by receiving from the customer and storing in the distribution profile send transaction specifications for staging each of one or more proposed send transactions, and receiving a send initiation instruction with associated customer authentication data and responsive thereto identifying a distribution profile and at least one send transaction specification to be executed. Responsive to the send initiation instruction, the method verifies the authentication data and the current status of the payment source identified in the distribution profile and upon sufficient verification, initiates a send transaction according to the at least one send transaction specification. | 2011-08-04 |
20110191241 | METHOD OF PROVIDING AN ACCOUNT THAT EMPLOYS A BUFFER AGAINST OVERDRAFTS - A method and system is provided for establishing a buffer to protect a banking customer against over drafting a bank account. The invention provides a bank account that includes a buffer attached thereto wherein the buffer allows the account holder to exceed their account value within the predetermined range without risk of incurring overdrafts or the resulting overdraft fees associated therewith. A customer establishes a banking account that contains a monetary balance therein. A buffer amount is assigned to the account. The buffer is a monetary value in excess of the balance within the account. As debits are settled against the account they are deducted from the balance. Should one or more transactions cause the value of the account to drop below the balance the account is in an over draft condition, but provided the overdraft amount is less than the buffer, the traditional overdraft fees are waived. | 2011-08-04 |
20110191242 | Check Cashing At Automated Teller Machine - A system and method of check cashing at an ATM are provided. In some examples, the system and method may include receiving a check at an ATM that does not include denominations of bills and/or coins to cash the check. The amount of the check may be rounded up to an amount for which appropriate denominations are available and the difference between the amount of the check and the rounded up amount may be charged to an account of a user, such as checking account, savings account, credit card, and the like. | 2011-08-04 |
20110191243 | Automated Teller Machine Load Balancing - A system and method of balancing load between one or more ATMs is provided. In some examples, a notification of a service issue may be received from a first ATM. A determination may be made as to whether ATMs within a predefined geographic distance of the first ATM may have sufficient capacity to support additional transactions due to the first ATM being out of service. If the additional ATMs do have sufficient capacity, a service call to address the service issue at the first ATM may be postponed, for instance, until a more convenient time, a regular business day, etc. If the additional ATMs in the area do not have sufficient capacity, a service call may be placed to address the service issue at the first ATM as soon as possible. | 2011-08-04 |
20110191244 | Secured Transaction System - The present invention relates to a secured transaction system. In one embodiment, a mobile transaction processing agent system includes a communication module configured to receive a secured transaction description from a mobile client device or an encrypted transaction description from a point-of-sale (POS) device, wherein the secured transaction description is in the form of a bar code generated by the mobile client device, an authentication module configured to decode the secured transaction description and verify the secured transaction description is valid based on the mobile client device or the point-of-sale device, and a transaction processing module configured to process the transaction in accordance with the secured transaction description. | 2011-08-04 |
20110191245 | METHOD, SYSTEM AND COMPUTER PRODUCT FOR SECURING PATIENT IDENTITY - A method for securing patient identity comprising accessing an electronic medical records database including patient data for a plurality of patients. Each patient in the electronic medical records database is assigned a unique patient identifier. Patient data for a first patient, including a first patient identifier, is retrieved from the electronic medical records database. The first patient is de-identified from the patient data. De-identifying includes the creation of a first encoded patient identifier responsive to the first patient identifier. The de-identifying results in de-identified first patient data and includes the replacement of the first patient identifier with the first encoded patient identifier. The de-identified first patient data is transmitted to a data warehouse system. The method further comprises identifying a second patient in response to receiving report data that includes a second encoded patient identifier from the data warehouse system. The identifying includes the creation of a second patient identifier responsive to the second encoded patient identifier. | 2011-08-04 |
20110191246 | Systems and Methods Enabling Marketing and Distribution of Media Content by Content Creators and Content Providers - Systems and methods enabling marketing and distribution of motion pictures and other media content by content creators and other content providers are described herein. A platform is provided by which a plurality of content providers can market and distribute media content to users. Information about activity of the users on the platform is obtained in relation to the item of media content or in relation to media content related to the item of media content. A request is received for an activity report comprising information related to a user demographic or a media content characteristic. Responsive to the activity report request, the activity report is provided to the content provider. | 2011-08-04 |
20110191247 | AUTHENTICATION FRAMEWORK EXTENSION TO VERIFY IDENTIFICATION INFORMATION - Systems and methods for authenticating parties involved in a transaction are disclosed. Some embodiments of the disclosure are directed to systems and methods for authenticating various identification attributes of a participant in a transaction. The attributes can include items such as the participant's name, address, social security number, date of birth, or any other identifying attributes. In some embodiments, all participants in a transaction may have identification information authenticated. The 3-D Secure protocol and framework is extended and enhanced to provide the ability to authenticate the identification details of participants in transactions. | 2011-08-04 |
20110191248 | Methods and Apparatus for Conducting Electronic Transactions - A system and method for facilitating electronic transactions using an intelligent instrument is disclosed. An authorization server enables users to obtain authorization credentials through the use of the intelligent instrument by issuing a challenge to an intelligent token of the intelligent instrument. The intelligent token generates a challenge response and transmits the challenge response to the authorization server, which assembles credentials including a key for the electronic transaction upon validating the response. The authorization server sends the assembled credentials to the intelligent instrument and the intelligent instrument transmits the assembled credentials to the authorization server during a subsequent transaction. The authorization server validates the assembled credentials and provides authorization for the transaction in response to the validating the assembled credentials. | 2011-08-04 |
20110191249 | Methods and Apparatus for Conducting Electronic Transactions - A system and method for facilitating electronic transactions using an intelligent instrument is disclosed. An authorization server enables users to obtain authorization credentials through the use of the intelligent instrument by issuing a challenge to an intelligent token of the intelligent instrument. The intelligent token generates a challenge response and transmits the challenge response to the authorization server, which assembles credentials including a key for the electronic transaction upon validating the response. The authorization server sends the assembled credentials to the intelligent instrument and the intelligent instrument transmits the assembled credentials to the authorization server during a subsequent transaction. The authorization server validates the assembled credentials and provides authorization for the transaction in response to the validating the assembled credentials. | 2011-08-04 |
20110191250 | Methods and Apparatus for Conducting Electronic Transactions - A system and method for facilitating electronic transactions using an intelligent instrument is disclosed. An authorization server enables users to obtain authorization credentials through the use of the intelligent instrument by issuing a challenge to an intelligent token of the intelligent instrument. The intelligent token generates a challenge response and transmits the challenge response to the authorization server, which assembles credentials including a key for the electronic transaction upon validating the response. The authorization server sends the assembled credentials to the intelligent instrument and the intelligent instrument transmits the assembled credentials to the authorization server during a subsequent transaction. The authorization server validates the assembled credentials and provides authorization for the transaction in response to the validating the assembled credentials. | 2011-08-04 |
20110191251 | Token Based New Digital Cash Protocols With Combined Blind Digital Signature and Pseudonym Authentication - Digital cash token protocols use a combination of blind digital signatures and pseudonym authentication with at least two pairs of public and private keys. A user is provided with one master pair of private and public keys and as many pseudonym pairs of private and public keys as desired. The resulting digital cash token based hybrid protocols combine the advantages of blind digital signature and pseudonym authentication. Blind digital signatures based on the master pair of keys are used to withdraw digital cash from the user's bank account under the user's real identity. A pseudonym pair of keys is used for converting digital cash into digital cash tokens by a digital cash issuer. All pseudonyms can be used for spending the digital cash tokens. These protocols ensure anonymity when withdrawing digital cash from the user's account under the user's real identity in addition to providing pseudonym authentication when spending digital cash tokens under a pseudonym. | 2011-08-04 |
20110191252 | Secured Point-Of-Sale Transaction System - The present invention relates to a secured transaction system. In one embodiment, a point-of-sale (POS) system includes an input module configured to receive a transaction description from a mobile client device, an encryption engine configured to generate an encrypted transaction description using the transaction description from the mobile client device, and a communication module configured to transmit the encrypted transaction description for processing. | 2011-08-04 |
20110191253 | USE OF MOBILE DEVICES FOR COMMUNICATING SOUND-BASED VIRTUAL TRANSACTION DATA - The present application relates to the use of mobile devices for viewing and publishing location-based user information. One example allows a user of a mobile device to access content associated with a virtual version of an entity that exists at a physical location regardless of a location of the mobile device. This example enables the user to submit content to the virtual version when the mobile device is proximate the physical location. | 2011-08-04 |
20110191254 | Web User Interface - Methods, computer-readable media, and apparatuses process data for delegating the approval and initiation of different types of transactions to delegates by a manager. The manager provides delegate configuration information so that a delegate is able to approve or initiate a transaction request during a specified time period. The transaction request may be escalated to a next level of approval when an escalation limit has not been reached. More than one delegate may be configured, where delegate configuration information is indicative that a first delegate is associated with a first transaction type and a second delegate is associated with a second transaction type. When a transaction request does not require approval by the manager during a designated time period, the transaction request may be automatically approved to initiate the transaction request. The manager may be notified when the initiator of the transaction request is a delegate of the manager. | 2011-08-04 |
20110191255 | DISTRIBUTING AND BILLING SOFTWARE ACCORDING TO CUSTOMER USE OF PROGRAM MODULES - A software brokering method and framework are presented. The software brokering method includes a step of establishing a use-based pricing scheme for a set of software modules that are utilized at a customer's site. By pricing software according to its use rather than a set fee, flexible pricing is facilitated for meeting the broad spectrum of customers needs. The software modules are distributed to customers. The software modules are preferably downloaded from an e-commerce site, but may also be mailed or distributed from conventional retail outlets. Use of the software at a customer's site is monitored by processes integrated into the deployment and execution components of a software module integration platform residing at the customer's site. Customers are charged based upon their actual use of the software modules, as registered by the software module integration platform, in view of the software pricing scheme established for the downloaded software modules. | 2011-08-04 |
20110191256 | SUSTAINABILITY CAMPUS OF CO-LOCATED FACILITIES - A system and method for energy use is provided that includes a sustainability campus of co-located facilities, with associated facilities such as an energy development center, a source, and a processing or collection facility. The sustainability campus incorporates design principles and processes to decrease environmental impact per unit energy usage, increase waste reuse within the sustainability campus, and increase the receipt of financial credits. | 2011-08-04 |
20110191257 | System and method for output of comparison of physical entities of a received selection and associated with a social network - A method includes, but is not limited to: obtaining assessment information being performed at least in part by at least one of a machine, article of manufacture, or composition of matter, the assessment information based at least in part on a comparing being performed at least in part by at least one of a machine, article of manufacture, or composition of matter, the comparing being between one or more first physical entities and one or more second physical entities, the comparing based at least in part on receiving a selection of the one or more first physical entities, the receiving the selection being performed at least in part by at least one of a machine, article of manufacture, or composition of matter, the selection being based at least in part on each of the one or more first physical entities being associated with an electronic based social networking service, the comparing being based at least in part upon status information about one or more physical attributes for each of the one or more first physical entities and for each of the one or more second physical entities, the one or more physical attributes each being perceived by one or more humans as being capable of having one or more effects upon one or more physical environments, and outputting output information at least in part by at least one of a machine, article of manufacture, or composition of matter based at least in part upon one or more elements of the assessment information. In addition to the foregoing, other related system/system aspects are described in the claims, drawings, and text forming a part of the present disclosure. | 2011-08-04 |
20110191258 | METHOD AND APPARATUS FOR PROCESSING LOGISTIC INFORMATION - Information of articles to be loaded is received, indicating and numbers of the articles to be loaded. A historic loading plan record is read. An item of the historic loading plan record includes at least a loading plan and an adaptive index corresponding to the loading plan. A loading plan suitable for the current transportation is generated based on the historic loading plan record and the information of articles to be loaded. The technical solution of this invention may reduce the requirements on storage and computing resources. | 2011-08-04 |
20110191259 | Financial Document Request and Retrieval - Requests for physical documents matching one or more transaction document images may be processed by a request clearinghouse system. For example, the request clearinghouse system may identify the requested physical document and determine a storage location thereof. Upon identifying the storage location, the request clearinghouse system may add the request to a worklist of the storage location. Each storage location may have its own worklist. Upon completion of a task (e.g., processing of a request), the storage location may transmit a confirmation to the request clearinghouse system. The request clearinghouse system may notify the requesting party that the request was processed. Additionally or alternatively, storage location systems may transmit transaction information to the request clearinghouse system upon detection of a new physical document or transaction. This information may include document images, transaction parties, transaction amounts and the like. | 2011-08-04 |
20110191260 | AUTOMATED TOOL FOR INVESTMENT TECHNOLOGIES - A method for creating at least one investment strategy, the method including the steps of inputting user data via a user interface to identify a user; utilising said user data to retrieve statistical and reference data relevant to said user from a database; generating at least one investment strategy for the user based on the user data and retrieved statistical and reference data; displaying said at least one investment strategy. | 2011-08-04 |
20110191261 | COMPUTER-BASED METHOD FOR TEAMING RESEARCH ANALYSTS TO GENERATE IMPROVED SECURITIES INVESTMENT RECOMMENDATIONS - A computer-based method for combining investment recommendations of individual research providers such as stock analysts. The method includes providing a server running a research team management module. A list of individual research providers is displayed on a client node linked to the server network. A research team is generated based on user input including a number of the research providers. Team rules are assigned to the team defining an algorithm for processing recommendations from the members of the team. Recommendations for securities are retrieved for the research providers on the team, and team recommendations are generated by applying the team rules to the recommendations. Team recommendations are reported to the client node for guiding investments. Processing of the individual recommendations may include applying differing weights to the positive and negative recommendations and combining the weighted recommendations, with the weights being user-selected differentiating strengths of members of the research team. | 2011-08-04 |
20110191262 | COMPUTER SYSTEM AND METHOD FOR DETERMINING OPTIMAL ASSET ALLOCATION - A computer system is provided for selecting an asset allocation for an investment portfolio intended to produce a target payout starting at a target date. The computer system is programmed to receive inputs that may relate to the target payout, the target date and a nominal rate of contributions to the investment portfolio. The computer system calculates a plurality of simulated investment outcomes based on assumed investment return rates and assumed inflation rates. The assumed investment return rates and assumed inflation rates are randomly selected in multi-year clusters from historical data. The computer system selects the asset allocation based on relative performance of the assumed asset allocations in the simulated investment outcomes. | 2011-08-04 |
20110191263 | Stochastic Control System and Method for Multi-Period Consumption - The present invention relates to dynamic optimization of system control over time. The need for dynamic optimization arises in many settings, as diverse as solar car power consumption during a multi-day race and retirement portfolio management. We disclose a reformulation of the control problem that overcomes the so-called “curse of dimensionality” and allows formulation of optimal control policies multiple period planning horizons. One optimal control policy is for power consumption by a solar car during a race, which involves many course segments, as course conditions vary through a day. Another is for risk in and consumption from a portfolio intended to support retirement. Both multi-period control policies take into account future uncertainty. Particular aspects of the present invention are described in the claims, specification and drawings. | 2011-08-04 |
20110191264 | SYSTEM AND METHOD FOR SALES GENERATION IN CONJUNCTION WITH A VEHICLE DATA SYSTEM - Embodiments of sales generation, including sales generation employing reverse lead generation using vehicle data systems and methods, are presented herein. In particular, in certain embodiments a user may utilize the vehicle data system to obtain pricing data corresponding to a desired vehicle configuration. When the user is presented with the pricing data associated with the specified vehicle configuration the user may additionally be presented with an upfront price offered by a dealer, where by providing their personal information the user may obtain the name of the dealer offering the upfront price and may additionally be offered the opportunity to purchase the desired, or similar, vehicle at the upfront price. | 2011-08-04 |
20110191265 | ELECTRIC VEHICLE CHARGING STATION HOST DEFINABLE PRICING - An electric vehicle charging station network includes multiple electric vehicle charging stations belonging to multiple charging station hosts. Each host controls one or more charging stations. A charging station network server provides an interface that allows each of the hosts to define one or more pricing specifications for charging electric vehicles on one or more of their electric vehicle charging stations belonging to that host. The pricing specifications are applied to the charging stations such that a cost of charging electric vehicles using those charging stations is calculated according to the pricing specifications. | 2011-08-04 |
20110191266 | NAVIGATION DEVICE AND METHOD FOR PROVIDING INFORMATION ON PARKING AREA - A vehicle includes a driving motor, a battery for the driving motor, a solar cell, and a control device for controlling charge of the battery using the solar cell and an external charge facility. A search unit searches a parking area near a present position of the vehicle or a destination. An information acquisition unit acquires charge-related information related to each parking area being searched. The charge-related information includes a capability of an external charge facility of each parking area, data of a usage fee of each parking area, and sunshine condition data of each parking area during a scheduled parking. A calculation unit calculates a charge cost for each parking area according to a remaining quantity of the battery, the charge-related information, and a time period of scheduled parking. A display unit indicates the calculated charge cost of each parking area. | 2011-08-04 |
20110191267 | Water Distribution Systems - A method for use in the design of a water distribution by determining whether to locate a pressure reducing valve (PRV) in a given location. | 2011-08-04 |
20110191268 | HEAT TRANSFER COMPOSITIONS - The invention provides a heat transfer composition comprising R-1234ze(E), R-32 and 1,1,1,2-tetrafluoroethane (R-134a). | 2011-08-04 |
20110191269 | Mobile Display - A mobile, multi-room display environment. The display environment has a first room, the first room having a first set of sensory cues, and a second room, the second room having a second set of sensory cues substantially different from the first set of sensory cues. The first and second rooms are designed for temporary use and can be easily disassembled for transport from one location to another. | 2011-08-04 |
20110191270 | INTELLIGENT DECISION SUPPORTING SYSTEM AND METHOD FOR MAKING INTELLIGENT DECISION - An intelligent decision supporting system and a method for making an intelligent decision are provided. The intelligent decision supporting system includes a multi-dimensional classifier comprising a plurality of classifiers that define different semantic standards and are trained based on the different semantic standards, for classifying a text by the semantic standards and for outputting a plurality of attributes of the text and a confidence rate of each of the plurality of attributes, a question submitting module for receiving the output of the multi-dimensional classifier, for forming a question based on the plurality of attributes of the text and the confidence rate of each attribute, and for submitting the question to an inference machine, the inference machine for receiving the question submitted by the question submitting module, for inquiring of a domain ontology knowledge library based on the question, and for providing an answer for the question to an decision reply module, a domain ontology knowledge library module for storing a domain ontology knowledge library related to an application domain of the intelligent decision supporting system, wherein the domain ontology knowledge library records description of rules for deriving decisions corresponding to the semantic standards of the multi-dimensional classifier, and the decision reply module for providing the answer for the question provided by the inference machine to the user. | 2011-08-04 |
20110191271 | IMAGE TAGGING BASED UPON CROSS DOMAIN CONTEXT - A method described herein includes receiving a digital image, wherein the digital image includes a first element that corresponds to a first domain and a second element that corresponds to a second domain. The method also includes automatically assigning a label to the first element in the digital image based at least in part upon a computed probability that the label corresponds to the first element, wherein the probability is computed through utilization of a first model that is configured to infer labels for elements in the first domain and a second model that is configured to infer labels for elements in the second domain. The first model receives data that identifies learned relationships between elements in the first domain and elements in the second domain, and the probability is computed by the first model based at least in part upon the learned relationships. | 2011-08-04 |
20110191272 | METHODS AND SYSTEMS OF EFFECTIVELY MANAGING UV EXPOSURE - A system for managing a user's exposure to the ultraviolet radiation including a user input interface, display circuitry including a screen, control circuitry including at least one processor wherein the control circuitry is configured to communicate with the display circuitry and the user input interface, data storage means for storing program instructions that, when implemented by the control circuitry, are configured to determine UV index information corresponding to a user's location, communicate with the user input interface to retrieve information for at least one user parameter, calculate at least one recommended exposure time based on the UV index information and the user parameter information, and communicate with the display circuitry to display the recommended exposure time. | 2011-08-04 |
20110191273 | Evaluating ontologies - A method for providing an evaluation/verification of the correctness of an ontology is described. The method includes loading a first ontology associated with a first rule set. an extended ontology and an extended rule set are generated based at least in part on the first ontology and the first rule set. The extended rule set is applied to the extended ontology. The method also includes determining (e.g., by a data processor) a correctness of the extended ontology. Results are generated which include the correctness. Apparatus and computer readable media are also described. | 2011-08-04 |