35th week of 2014 patent applcation highlights part 68 |
Patent application number | Title | Published |
20140244408 | SYSTEMS AND METHODS FOR PROVIDING A GESTURE-BASED ELECTRONIC TICKET WHEEL - The disclosed technology provides an electronic implementation of the functionality of a manual ticket wheel that is capable of receiving orders from a variety of sources in various formats, including point-of-sale systems, cash registers, smart phones, printers, interne requests (e.g., HTTP requests), email, and SMS messages. Users may interact with the electronic ticket wheel of the disclosed technology in the same way that they would a physical ticket wheel (e.g., rotating the wheel, pulling tickets off the wheel, etc.). For example, the computing device implementing the electronic ticket wheel may be a tablet with a touch screen that allows a user to swipe to rotated the wheel and select tickets to remove them from the electronic ticket wheel when the order is complete. | 2014-08-28 |
20140244409 | SYSTEM, DEVICE, AND METHOD OF ELECTRONIC PAYMENT - A system and method allow a customer to perform self-checkout at a real-world non-virtual store or restaurant or other business establishment that the customer is visiting. The customer pre-defines an electronic payment method. The customer visits the business establishment, and the system generates a unique user-specific code that is a function of the time, the location, and the specific customer. The code is displayed on the mobile device of the customer, which is then shown to an employee of the business establishment, which then enters the unique code into a Point of Sale terminal; thereby generating an association between an ongoing open tab of the customer, and the mobile device of the customer. The customer is able to perform self checkout of the open tab, without requiring action on behalf of the business establishment. | 2014-08-28 |
20140244410 | TAXI PAYMENT SYSTEM - A taxi payment system including a point of sale device and a mounting assembly for mounting the point of sale device inside a taxi, the mounting assembly having at least two operative orientations, a first operative orientation in which the point of sale device is accessible to a taxi passenger and a second operative orientation in which the point of sale device is accessible to a taxi driver. | 2014-08-28 |
20140244411 | METHOD OF OPERATING A DUTY-FREE STORE AT AN AIRPORT WITH A PRODUCT STORAGE AREA AND PRODUCT PICKUP AREA - The disclosure provides a method of operating a duty-free retail operation at an airport. The airport includes a secure zone and a non-secure zone, which are separated for passengers by a security checkpoint. The duty-free store may be located in the non-secure zone of the airport. The airport may also include a product storage area and a product pickup area, which can be accessible from the duty-free store or remote from the duty-free store. The product storage area may store copies of the products displayed in the duty-free store. A passenger customer can purchase products displayed in the duty-free store, for example, by scanning QR codes associated with products and making a payment using a mobile computing device. Copies of purchased products may then be retrieved from the product storage area and delivered to a designated product pickup area before the customer boards the plane. | 2014-08-28 |
20140244412 | PASSENGER INFORMATION MODULE - A method and system utilizes an interface for the blind and low vision passengers in a touch screen passenger information module (PIM). The PIM is enabled to operate in at least two modes. A low vision mode provides different user input framework on the touch screen as well as appropriate audio prompting. The interface enables a blind or low vision person to interact with the PIM easily, including using the PIM to pay for the fare. The low vision mode can be initiated by the passenger. | 2014-08-28 |
20140244413 | ELECTRONIC QUANTITY PURCHASING SYSTEM - Disclosed is an electronic quantity purchasing system which is a host computer that a user may access to purchase quantities of goods or services at a locked-in price for later redemption. The preferred communication means employed is via secure, high-speed Internet access. Data storage is electronic. Users employ the system to make an instant purchase of a small or large quantity of a commodity, such as gasoline at the current purchase price. Users can redeem all or part of their balance for real product at a physical location in the future when desired. The redemption will draw down the user's account balance at the locked-in purchase price, so the user is able to circumvent the market price in effect at the time of redemption. | 2014-08-28 |
20140244414 | MONEY TRANSFER SYSTEM HAVING LOCATION BASED LANGUAGE AND DYNAMIC RECEIPT CAPABILITIES - A method for operating a transaction processing system to provide location based language capabilities and dynamic receipts in connection with money transfer services. One embodiment includes storing, in a database, information representative of transaction location based attributes and associated one or more languages, and storing information representative of receipt field attributes and associated receipt fields. Send and/or receive transaction requests from points of sale are received at a transaction processor. The received transaction requests are processed using the stored information in the database to identify transaction location attributes of the requests and the associated one or more languages, and processed using the information stored in the database to identify receipt field attributes of the requests and to determine the associated receipt fields. Receipt information representative of receipts provided in the identified one or more languages and having the determined fields is sent from the processor to the points of sale. | 2014-08-28 |
20140244415 | SOCIAL NETWORKING AND FUNDRAISING METHOD - A social networking and fundraising method supports charitable causes. An author creates a story related to the charitable cause by way of a life experience of the author. A sponsor maintains a website, a central computer, and a database. The story and the author identity are stored on the database. A bracelet is created which is associated with each author. The author identity and a link to the sponsor website is reproduced on the bracelet. The author creates a self-handprint, which is reproduced on the bracelet. The sponsor sells the bracelets to purchasers, who learn about the charities and stories. A portion of the sales proceeds from the bracelets go to the charitable cause with which the author is connected. The purchaser has access to the author's story on the sponsor central computer database. The purchaser can connect with other purchasers of bracelets associated with the same author. | 2014-08-28 |
20140244416 | METHOD AND SYSTEM TO FACILITATE THE ADDITION OF ITEMS TO AN ELECTRONIC ITEM CATALOG - Techniques for allowing a vendor to provide item information for an item to be sold through an online or a brick and mortar store are disclosed. The techniques include receiving first item information from a vendor relating to an item which is to be included in an electronic item catalog for sale through the store. The techniques also include providing a customized spreadsheet which is customized for the item according to the first item information to the vendor via spreadsheet software and receiving second item information into the customized spreadsheet from the vendor. The techniques include validating the second item information and publishing the second item information to an item catalog server for inclusion in the electronic item catalog. | 2014-08-28 |
20140244417 | COLLABORATIVE BARGAINING - A collaborative bargaining system receives expressions of interest from potential buyers of an item. The collaborative bargaining system receives bids from sellers of the item. Each bid consists of a price per item based on a minimum quantity of items. A time limited exclusive opportunity is awarded to one seller of the item to obtain from the interest group a commitment to buy the minimum quantity of items at the price per item as bid by the one seller. | 2014-08-28 |
20140244418 | SYSTEM AND METHOD FOR ENHANCED CLOCK AUCTIONS AND COMBINATORIAL CLOCK AUCTIONS - The present invention provides improvements applicable to dynamic auctions such as clock auctions or combinatorial clock auctions. In a first embodiment, the present invention includes an improved activity rule that constrains the bids that may be submitted by a bidder, based on the bidder's own prior bids. In a second embodiment, the present invention includes an improved pricing rule that appropriately discounts the amounts (as compared to linear pricing) of bids that need to be submitted by a bidder. In a third embodiment, the present invention includes an improved iterative first-price auction. Bidders successively make bids, often a bid for a package of items at a specified price. When the auction concludes, some of these bids become “winning” bids; the respective bidders win the items specified in their winning bids and pay the prices specified in their winning bids. In some preferred embodiments, the present invention combines two or all three of these improvements. | 2014-08-28 |
20140244419 | Implementing Auctions on Social Network Platforms - A system platform and associated methods are provided for implementing online reverse auctions in a social network platform (SNP). A fully-automated, live, reverse-auction based system is integrated into an SNP to enable buyers to initiate desired transactions and take advantage of a subscribers' network of friends, colleagues, co-workers, family members and connections by connecting buyers and sellers in a non-intrusive, targeted fashion. Sellers compete for buyers' business by providing dynamic, real-time seller-specific pricing while simultaneously optimizing the seller's target parameters such as price, inventory levels, profit, revenue and volume. | 2014-08-28 |
20140244420 | Group Formation and Dynamic Pricing for E-Commerce in Social Networks - A system platform and associated methods are provided for implementing online reverse auctions in a social network platform (SNP). A fully-automated, live, reverse-auction based system is integrated into an SNP to enable buyers to initiate desired transactions and take advantage of a subscribers' network of friends, colleagues, co-workers, family members and connections by connecting buyers and sellers in a non-intrusive, targeted fashion. Sellers compete for buyers' business by providing dynamic, real-time seller-specific pricing while simultaneously optimizing the seller's target parameters such as price, inventory levels, profit, revenue and volume. | 2014-08-28 |
20140244421 | Method, System and Business Model for a Buyer's Auction with Near Perfect Information Using the Internet - A methodology, system and business model are disclosed for facilitating a fully automated buyer's auction in which the major types of transaction costs are significantly reduced by providing the buyer and the sellers with near-perfect information about one another, including information about buyer preferences and competing sellers' offers. The system implements a buyer's auction with multidimensional bidding that minimizes market intelligence, search, bargaining and transaction execution costs and thus creates more competitive, frictionless markets. Buyers and sellers can efficiently conduct the buyer's auction within a unified environment, thereby minimizing buyer integration costs as well. The buyer's auction generates commercially marketable proprietary information and a revenue stream for the auctioneer providing such a service. | 2014-08-28 |
20140244422 | Providing Information about Print Service Providers to Print Product - Examples disclosed herein relate to providing information about print service providers to create a print product. In one implementation, a processor matches a subset of the print service providers with a user query for a service to produce a custom print product. The processor may determine a manner of displaying information about the matched print service providers based on criteria related to the desirability of producing the custom print product associated with at least one of the print service providers. The processor may cause the information to be displayed in the determined manner | 2014-08-28 |
20140244423 | DYNAMIC RANKING OF PRODUCTS FOR PRESENTATION TO USERS - The disclosed embodiments provide a system that processes user data. During operation, the system obtains a set of ranking engines for a set of products and selects a ranking engine from the set of ranking engines. Next, the system provides the user data for a user to the ranking engine and obtains, in response to the provided user data, a list of ranked products for the user from the ranking engine. Finally, the system provides the products to the user based on the list to facilitate selection of one or more of the products by the user. | 2014-08-28 |
20140244424 | DYNAMIC VEHICLE PRICING SYSTEM, METHOD AND COMPUTER PROGRAM PRODUCT THEREFOR - Embodiments provide consumers browsing and shopping online for durable goods such as new vehicles with pricing information for user-specified vehicle configurations based at least in part on dynamic, user-centric local regions that can be any shape. A local region may initially center around or start from user-provided geo-specific information and be refined using criteria such as distance, demographics, buying behaviors, etc. The system can leverage data from the finest level of granularity available and dynamically determine multiple, potentially overlapping, local regions which can be user-specific, product-specific, or both. A pricing model may incorporate the data within a dynamic local region thus determined. The parameters of the pricing model may be weighted utilizing a weighting function that can be dynamically adapted to individual users as well as specific vehicles. The pricing model may provide for pricing information that is not limited or constrained by standard administrative or political boundaries. | 2014-08-28 |
20140244425 | SYSTEM AND METHOD FOR PRESENTING AND FACILITATING ONLINE TRANSACTIONS OF APPAREL AND OTHER GOODS - Techniques are disclosed for presenting and facilitating web-based commercial transactions. In some embodiments, the method includes displaying a first interface that includes: (a) a fashion look, the fashion look including a plurality of components which together represent the fashion look, and (b) a selectable link which, upon selection by a customer, directs the customer to a second interface. The method further includes, upon the customer selecting the selectable link, displaying the second interface including a plurality of fields. Each of the fields is configured to enable the customer to purchase a corresponding component from the plurality of components without navigating away from the second interface. | 2014-08-28 |
20140244426 | METHOD FOR GENERATING USER PROFILES - A recommendation for a product based on a user profile and product affinity is discussed. | 2014-08-28 |
20140244427 | SYSTEM FOR GENERATING USER PROFILES - A recommendation for a product based on a user profile and product affinity is discussed. | 2014-08-28 |
20140244428 | DYNAMIC PRESENTATION OF RECOMMENDED PRODUCTS TO USERS - The disclosed embodiments provide a system that facilitates interaction with a user. During operation, the system obtains a set of features associated with one or more products recommended for the user. Next, the system provides an editor for modifying the features and obtains one or more customizations to the features through the editor. Finally, the system displays the features and the customizations to the user without requiring modification to source code associated with displaying the features to the user. | 2014-08-28 |
20140244429 | APPARATUS AND METHOD FOR PROCESSING A MULTIMEDIA COMMERCE SERVICE - A multimedia commerce brand offering environment is disclosed. Herein, a method for processing a multimedia commerce service includes the steps of storing service usage pattern data of a user using the multimedia commerce service, sensing a user action from a CPE of the user using the multimedia commerce service, comparing the sensed user action with the stored service usage pattern data of the user, extracting service usage pattern data of the user in accordance with the user action, and providing recommended commerce service information respective to the extracted service usage pattern data of the user. | 2014-08-28 |
20140244430 | METHOD AND SYSTEM FOR APPRAISING A COLLECTION OF PRODUCTS - A system and method for a librarian facilitates appraising the value of all or selected products in a collection of products. The collection of products may be part of a library that includes one or more photographic images of the library, and an inventory of the products revealed in those images. The librarian facilitates appraising the value of products in the collection with reference to the images. Appraisals may be automatically updated, and users notified in accordance with user notification preferences. An automated referral may be provided to the user to sell all or selected ones of the appraised inventory of products, individually or together. An extended appraisal may be provided to facilitate enhancing the value of a collection in the library. | 2014-08-28 |
20140244431 | SYSTEM AND METHOD FOR PROVIDING CUSTOMERS WITH PERSONALIZED INFORMATION ABOUT PRODUCTS - Embodiments of the invention may provide a personalized fit prediction to a particular consumer about a particular product. Personalization of the fit prediction may be accomplished by processing various types of data, including data about consumers, products, and previous purchases by consumers. For example, this data may be used to generate a model (e.g., set of rules), which can then be applied to predict whether and/or how well a particular product will suit a particular consumer. | 2014-08-28 |
20140244432 | E-Commerce System with Personal Price Points - An ecommerce system is disclosed that uses personal price points (alone or in combination with other buying criteria) to trigger certain automated retail transactions. The system includes a customer interface engineered to allow a customer to either buy merchandise in accordance with retailer-defined selling criteria (including at least an “offered price point”) or to tag merchandise with customer-definable buying criteria (including at least an “acceptable price point”). Computational comparisons of the criteria are executed periodically to determine changes that may occur, for example, with sales, price reductions, and “rollbacks”. If a match or other suitable computed relationship is found, an automated retail transaction—such as the transmission of an electronic notification to a customer's email address or smartphone number—is executed. | 2014-08-28 |
20140244433 | METHODS AND SYSTEMS FOR THE NONINTRUSIVE IDENTIFICATION AND ORDERING OF COMPONENT PARTS - A noninstrusive system and method of scanning an object having component parts includes a vendor based data repository of component parts and a matching processor to receive a scanned image representative of the assembled object and to provide suggested and/or matched component parts for purchase from the vendor. | 2014-08-28 |
20140244434 | ACCESS TO GUEST ACCOUNTS IN ELECTRONIC COMMERCE - Disclosed are various embodiments involving access to guest orders in an electronic commerce application. In one embodiment, a request to access a guest account is obtained from a client. The request specifies a destination network address and an order identifier. A message is sent to the destination network address in response to verifying that the destination network address and the order identifier are associated with the guest account. The message includes a link that facilitates access to an order management function for the guest account. | 2014-08-28 |
20140244435 | ELECTRONIC COMMERCE METHOD AND ELECTRONIC COMMERCE SYSTEM - An electronic commerce method executed by a computer includes: receiving, from a user, an amount of disposable money usage of which is not determined; selecting, from among one or more products or services, a product or a service having a purchase price lower than or equal to the amount of disposable money, without receiving an instruction from the user; and performing processing of purchasing the product or the service which has been selected, without obtaining permission from the user. For example, an object recognizable by the user is presented to the user, and if purchase processing is performed, the user is notified that the object has performed purchase processing. | 2014-08-28 |
20140244436 | SYSTEM AND METHOD FOR PROVIDING COMBINATION PACKAGES - In various exemplary embodiments, a system and method to provide customized combination packages is disclosed. The method includes receiving a selection of a plurality of items from a potential buyer, the selection of the plurality of items creating a customized combination package. Available transaction history for past transactions of similar items to the items of the customized combination package is provided to the potential buyer. An offer from the potential buyer is then received and provided to a seller selling the plurality of items for consideration. | 2014-08-28 |
20140244437 | Methods and Apparatus for Providing Customer Assistance - Techniques for providing customer assistance with real-time feedback are presented herein. A request for customer assistance is generated by a customer using an application executing on a handheld mobile smart device. The request is transmitted to an employee using another handheld mobile smart device. The request is accepted by the employee and a response is transmitted back to the customer. The response includes the employee's expected arrival time at the customer's location and a floor plan map that depicts the progress of the employee as the employee travels to the customer's location. | 2014-08-28 |
20140244438 | Eyeglass Frames - The present application provides improved eyeglass frames for enhanced comfort, personalization, and aesthetics. The eyeglass frames comprise temples that are proximal to a lens supporting element and temples that are distal to the lens supporting element. The proximal and distal temples form an angle that appears as an upside down “V.” In some embodiments, the frame material is rigid and the angles are fixed. In other embodiments, the frames articulate or pivot in one or more of three locations: between the proximal temple and the frame, between the proximal and distal temples, and between the distal temple and the ear rest. In other embodiments, the frames further comprise attachment elements for attaching ornaments or functional devices. | 2014-08-28 |
20140244439 | METHODS AND SYSTEMS FOR THE NONINTRUSIVE IDENTIFICATION AND ORDERING OF COMPONENT PARTS - A noninstrusive system and method of scanning an object having component parts includes a vendor based data repository of component parts and a matching processor to receive a scanned image representative of the assembled object and to provide suggested and/or matched component parts for purchase from the vendor. | 2014-08-28 |
20140244440 | METHOD FOR SEARCHING PRODUCTS TO WHICH VISUAL ITEMS ARE APPLIED - Disclosed is a method capable of effectively searching products in which a desired design is formed on a desired position. The method includes specifying, by a customer client, a product a customer wants to purchase, specifying a region in which a design is being inserted in the specified product and a design pattern to be inserted, displaying the search target product in which the specified design pattern is inserted on the specified design insertion position in the specified product, transmitting, by the customer client, product information of the specified product and design information including the specified design insertion position and a design pattern to the operation server, and transmitting, by the operation server, the production information and the design information to the data server, and receiving search results based on the product information and the design information to transmit the received information to the customer client. | 2014-08-28 |
20140244441 | System and Method for Assembling a Shared Shopping Cart - A system and a method are provided for assembling, and publishing, a persistent cart of products online. The cart can have products from a single vendor or a variety of different vendors. When the cart is published, various deals, discounts, and incentives can be offered. An individual who created the cart can be rewarded. A computer readable non-transitory storage medium stores instructions of a computer program that when executed facilitates creation of the cart of items to be purchased and selects the individual or group of individuals to whom the cart is published. The purchasing of a cart does not eliminate the availability of the cart for subsequent users. | 2014-08-28 |
20140244442 | METHOD FOR AUTOMATICALLY FILLING A VIRTUAL SHOPPING CART WITH ITEMS - A method of automatically filling a Virtual shopping cart with items. Users automatically fill their Virtual shopping carts with a Predetermined List of Items that are required or recommended to create or complete a Product(s). The Method allows Users to automatically fill their Virtual or online shopping cart(s) with selected items in one easy step. Users can customize a List of Items and then automatically fill their Virtual shopping carts with the customized List of Items in one step. The Invention comprises of the Method of automatically filling a Virtual shopping cart in one step with a Predetermined List of Items, which may be complete or customized, for purchase, comprising of the following steps: Displaying a Predetermined List of Items and information about the items; Allowing a User to customize the group of items; Adding the complete or customized group of items to a Virtual shopping cart in one step. | 2014-08-28 |
20140244443 | SYSTEM AND METHOD FOR SEARCHING MEDIA ASSETS - A search engine, system and method for locating and rating a plurality of electronic mentions of respective ones of a plurality of brands. The engine, system and method includes a web crawl engine that seeks mentions of ones of a plurality of keywords in proximity to ones of the electronic mentions of the respective ones of the plurality of brands, a content reviewer that electronically presents to a manual reviewer the mentions of ones of a plurality of keywords in proximity to ones of the electronic mentions of the respective ones of the plurality of brands, a scoring input for receiving a first of the ratings from the manual reviewer of the mentions of ones of a plurality of keywords in proximity to ones of the electronic mentions of the respective ones of the plurality of brands, at least one electronic rating input for receiving second ones of the ratings of the mentions of ones of a plurality of keywords in proximity to ones of the electronic mentions of the respective ones of the plurality of brands, and a correlator that normalizes the rating by comparing the first of the ratings to the second ones of the ratings, and that correlates ones of the plurality of brands to a desired purchaser profile in accordance with the normalized rating. | 2014-08-28 |
20140244444 | Paperless Ticketing System - A paperless ticketing program acts as an intermediary between existing concrete dispatch and concrete batching programs. The paperless ticketing program receives concrete ticket delivery information from the concrete dispatch program and batch weight information from the concrete batching program in order to create a paperless ticket. A paperless ticketing client runs on a portable computer having a touch screen interface to allow a customer to electronically sign the ticket to acknowledge receipt of a concrete delivery. The paperless ticketing program retrofits existing systems with paperless ticketing functionality. | 2014-08-28 |
20140244445 | METHOD AND APPARATUS FOR A WORKFLOW-BASED SOFTWARE PURCHASE - A computer implemented method and apparatus for a subscription workflow. The method comprises receiving an input indicative of features of a plurality of software products to enable performance of one or more workflows, wherein the input is indicative of features that are less than all of the features of each software product in the plurality of software products; and enabling the features from the plurality of software products to be utilized on a computer to perform the one or more workflows. | 2014-08-28 |
20140244446 | SYSTEM AND METHOD FOR PRESENTING AND FACILITATING ONLINE TRANSACTIONS OF APPAREL AND OTHER GOODS - Techniques are disclosed for presenting and facilitating web-based commercial transactions. In some embodiments, the method includes locating a primary and a secondary interfaces, wherein the primary interface includes at least a first button that enables a user to select for entering the secondary interface, displaying a first look on the primary interface to the user, wherein the first look includes a plurality of components which together represent the first look, and upon the user selecting the first button, presenting the secondary interface comprising a plurality of subpages, wherein each subpage enables the user to purchase a corresponding component. The embodiments provided herein facilitates a better user experience and alleviates the burdens in navigating among different product webpages during online shopping. | 2014-08-28 |
20140244447 | APPARATUS AND METHOD FOR PROCESSING A MULTIMEDIA COMMERCE SERVICE - A multimedia commerce service processing method includes the steps of receiving a signal for selecting a first product provided by the multimedia commerce service, detecting body size information of a user from login information of an account of the user who uses the multimedia commerce service, generating a first avatar graphic image including the detected body size information of the user and transmitting a signal for outputting an image of the first product in a specific area of the first avatar graphic image to a display device. A multimedia commerce service processing apparatus includes a receiving module configured to sense a signal, a communication module configured to transmit and receive data, a storage module configured to store login information of an account of a user and a controller configured to control operation of the multimedia commerce service processing apparatus. | 2014-08-28 |
20140244448 | System and Method for Mapping Financial Data - Mapping financial data comprises receiving a first set of financial data from internal reporting systems. The first set of financial data is loaded into a database having high-level design segmentation. The first set of financial data is associated with a high-level segment of profitability. An input associated with the high-level segment of profitability is received in a graphical user interface. A second set of financial data is extracted from the first set of financial data according to the high-level segment of profitability received in the graphical user interface. A third set of financial data is extracted from a plurality of business units. A baseline forecast is calculated according to the second set of financial data and at least a portion of the third set of financial data. The baseline forecast is presented in the graphical user interface to determine the profitability of a new card account. | 2014-08-28 |
20140244449 | Integrated system for calculating savings at several stages of procurement cycle by auto-fetching spend data into savings tracker system - An integrated system is described for calculating savings at several stages of the procurement cycle by auto-fetching spend data into a savings tracker system. The system comprises: a processor unit; and a computer readable medium storing instructions executable by the processor unit comprising: an integrated spend data input system adapted for auto-fetching of spend data from the respective systems; a savings computing system adapted for computing savings at several stages of the procurement cycle by comparing the auto-fetched baseline spend and spend at each stage of the procurement cycle by general formula: (auto-fetched baseline spend)−(spend at the specific stage of the procurement cycle)=(savings at the respective stage of the procurement cycle); and a display system adapted for displaying the savings at the respective stages of the procurement cycle. | 2014-08-28 |
20140244450 | INFORMATION PROCESSING APPARATUS, INFORMATION MANAGING METHOD AND PROGRAM - An information processing apparatus includes a first output data generation unit that generates first output data, which is independent of a type of an output device; a second output data generation unit that generates second output data, which depends on the type of the output device, from the first output data, and makes the output device perform output process for the second output data; an output unit that, after being notified by the first output data generation unit that the first output data is generated, transmits the first output data to the second output generation unit; an information generation unit that generates information on a status of outputting by the output device based on the first output data; and an information transmission unit that transmits the information on the status of outputting by the output device to a collection device. | 2014-08-28 |
20140244451 | E-COMMERCE TRANSACTION VERIFICATION SYSTEM AND METHOD - An e-commerce transaction verification system creates documentary verifications of e-commerce transactions between merchants and customers. The system is implemented on a host server cooperating with a program module on the merchant's e-commerce server. The merchant's e-commerce server performs an e-commerce transaction with a customer, and sends transaction data to the host server, including the customer's name, email, address, phone number, physical location, device ID, IP address, signature, image or photo, voice, fingerprint, eye scan, etc., and the amount, confirmation number, time stamp, etc. of the transaction. The host server uses pre-stored templates or documents supplied by the merchant to create a verification document containing some or all of the above information, and stores it. The host server also places an outbound phone call to the customer to collect additional information including voice print, and incorporates it into the verification document. The system allows the merchant to customize the templates. | 2014-08-28 |
20140244452 | METHOD AND SYSTEM FOR REPURPOSING LEASE ANALYSIS, ACCOUNTING, ADMINISTRATION, AND MARKET DATA COMPARISONS - Lease calculations may be used by commercial real estate brokers, corporate tenants, landlords, financial professionals, financial advisors, accountants and/or the like, to compare financial aspects of one or more leases and/or contracts, determine the impact of new accounting rules on current and/or future leases, comply with current and/or future lease accounting rules, generate financial reports, generate market data comparables, allow clients and users to track, manage and administer lease information and repurpose independent data points to perform one or more of these or other lease calculations or actions. | 2014-08-28 |
20140244453 | SYSTEM AND METHOD FOR PROVIDING AUTOMATED RECEIPT AND BILL COLLECTION, AGGREGATION, AND PROCESSING - A system and method in accordance with example embodiments may include automated receipt and bill collection, aggregation, and processing. Additionally, a system and method in accordance with example embodiments may a customer opt-in, scan one or more electronic messages including receipts and bills, retrieve transaction information from one or more electronic messages, associate retrieved transaction data with existing database data, and utilize the associated data to provide contextual information to a user. | 2014-08-28 |
20140244454 | SYSTEM AND METHODS FOR INCREASING BUSINESS VISIBILITY AND ACCOUNTABILITY USING LINKED NOTIFICATIONS AND ACCOUNTABILITY AUDITORS - A method including the steps of: identifying, using one or more processors, business data associated with problems within a business environment; generating, using one or more processors, one or more notifications related to the identified business data; sending, using one or more processors, the one or more notifications to a computer system associated with a user; monitoring, using one or more processors, the user's interaction with the business data; and reporting, using one or more processors, the monitored interaction with the business data. | 2014-08-28 |
20140244455 | PRESENTATION OF IMAGE OF SOURCE OF TAX DATA THROUGH TAX PREPARATION APPLICATION - Methods, systems and articles of manufacture for generating interface elements of an electronic tax preparation application to allow a taxpayer or user to view a portion of an image of a tax document that is a source of data for a field of a screen generated by the electronic tax application. The image portion displayed may be a particular box or field of a tax document for a corresponding particular field of the screen generated by the electronic tax preparation or a bounding region including one or more adjacent or surrounding boxes or fields. Embodiments allow taxpayers to view an image of a source document while viewing the data that was entered in the field from within the tax preparation application without having to consult paper copies of the tax documents. | 2014-08-28 |
20140244456 | TAX DOCUMENT IMAGING AND PROCESSING - Methods, systems and articles of manufacture for allowing taxpayers to utilize mobile communication or communication devices such as smartphones and tablet devices to upload tax document images and process tax document images such that resulting recognized tax data is incorporated into an electronic tax return. Authentication data is generated and provided to the taxpayer to establishing a connection with an image processor, which provides recognized tax data to the on-line tax preparation application for incorporation into the electronic tax return. Authentication data may be embodied within a URL address to the image processor that is transmitted as a SMS message to the mobile communication or computing device or encoded within a QR code such that the mobile communication or computing device can be used to take an image of and decode the QR code to determine the URL address and authentication data to establish a connection with the image processor. | 2014-08-28 |
20140244457 | SYSTEMS AND METHODS FOR GENERATING OUTPUTS IN RESPONSE TO EXAMINATION OF RECORDS - Systems and methods for generating an electronic output in response to an examination of a customer's records are shown and described. In one embodiment, a system includes a tax analysis system (TAS) server including a retriever code segment (RCS), a transformer code segment, an analysis engine code segment (AECS), and an output code segment. In another embodiment, a method includes extracting customer tax records; transforming the extracted tax records to create a transformed tax record (TTRec); and analyzing TTRec using an analysis engine code segment (AECS). This method may also include generating an output based on AECS analysis. | 2014-08-28 |
20140244458 | SYSTEM AND METHOD FOR PREDICTION OF VALUE ADDED TAX RECLAIM SUCCESS - A method and system for predicting a likelihood of success of a potential value-added tax (VAT) reclaim are provided. The method includes receiving at least one VAT receipt; analyzing the at least one VAT receipt; retrieving information respective of likelihood of success respective of the VAT receipt analysis; and determining the likelihood of success of the potential VAT reclaim. | 2014-08-28 |
20140244459 | MINIMUM AND MAXIMUM AMOUNTS OF RESOURCE CONSUMED BY DEVICE - A minimum amount is updated if a resource is consumed by the device before a corresponding timestamp. A maximum amount is updated only if a current timestamp is after the corresponding timestamp. | 2014-08-28 |
20140244460 | FEE MANAGEMENT SYSTEM, TRANSMISSION SYSTEM, AND FEE MANAGEMENT METHOD - A disclosed fee management system is for managing attending fees that are charged when transmission terminals attend a conversation in a transmission management system, which manages transmission of information associated with the conversation between the transmission terminals. The fee management system includes an acquisition unit configured to acquire attending hours information and conversation quality information, the attending hours information indicating attending hours for which the respective transmission terminals have attended the conversation, the conversation quality information indicating conversation communication service quality provided during the conversation; an attending hours computing unit configured to compute total attending hours based on the attending hours information, the total attending hours indicating hours for which the terminal has attended the conversation; and an attending fee computing unit configured to compute an attending fee for each of the terminals based on the corresponding total attending hours and the conversation quality information. | 2014-08-28 |
20140244461 | SYSTEM AND METHOD FOR REPORTING A LOST PAYMENT CARD - A system and method for registering a payment card so that if the payment card is lost, a replacement payment card can quickly and easily be reported, and shipment of a replacement payment card can be initiated. The location to which the replacement payment card is to be shipped can be specified, and an estimate can be received for its time of arrival at that location. The estimated time of arrival of the replacement card can be updated with real time information. | 2014-08-28 |
20140244462 | System and Method for Generating and Storing Digital Receipts for Electronic Shopping - A system and a method are provided for generating a digital receipt for purchases made utilizing a digital wallet or with other payment procedures. The digital receipt is stored in the cloud in a digital receipts repository for later retrieval. The digital receipt can be standardized to facilitate data processing of the data contained in data fields of the digital receipt. The data fields are text/field searchable and actionable so that the receipts and the data therein can be viewed in any manner desired by the user of the digital wallet. A computer readable non-transitory storage medium can store instructions of a program, which when executed by a computer system, enables the recall of the digital receipt from the repository. | 2014-08-28 |
20140244463 | System and Method for Entering, formatting, Sharing and Validating Credit Data Between Businesses and Creditors - A system and method for assisting firms enter, format, and validate their financial data with their creditors easily, with greater integrity and greater transparency in credit practices. The system allows for input of a firms financial data, formatting that data into industry standard business format, and allow for secure sharing of that information between businesses, partners and creditors. The system maps idiosyncratic data representations and similar forms of semi-structured data to a single standard taxonomy, allows users to improve and approve the mapping, and learns from those users' actions to improve the fidelity of the translation over time. The system uses a firms' own actions on a financial data sharing site to establish a measure of their data's integrity, accuracy, and trustworthiness. | 2014-08-28 |
20140244464 | SYSTEM AND METHOD FOR PROVIDING A USER-LOADABLE STORED VALUE CARD - A system and method in accordance with example embodiments may provide a user-loadable stored value card. Additionally, a system and method in accordance with example embodiments may allow an institution to receive a user-loadable stored value card activation request from a sender, activate a user-loadable stored value card using the information received in the activation request, and provide card management capabilities to the sender. | 2014-08-28 |
20140244465 | SYSTEMS AND METHODS FOR DETECTING MARKET IRREGULARITIES - A system and method is provided for detecting market irregularities. Consistent with disclosed embodiments, a processing entity may receive securities prices over a first predetermined time period, the securities prices representing prices of at least a subset of securities within a particular market. The processing entity may compare securities price changes for a first security in the subset with securities price changes for every other security in the subset, and may determine a correlation between the first security and at least one other security in the subset based on the comparison of securities prices. Additionally, the processing entity may create a first network by associating the first security with each security in the subset determined to be correlated with the first security, and may compare the first network with one or more previously created networks to determine one or more market irregularities for the first security. | 2014-08-28 |
20140244466 | SYSTEMS AND METHODS FOR COMPUTING AN INDEX FOR A BINARY OPTIONS TRANSACTION - Methods, apparatuses, and article of manufactures for receiving a plurality of bids and offers for a binary options instrument. Each bid and offer comprises a quantity and a price. A subset of bids and offers from the plurality of received bids and offers is generated. At least one rule is applied to the subset of bids and offers to generate a reduced subset of bids and offers. A binary options index is computed from the reduced subset of bids and offer. A request for a binary options transaction that is based on the computed binary options index is received. | 2014-08-28 |
20140244467 | SYSTEMS AND METHODS OF DETECTING MANIPULATIONS ON A BINARY OPTIONS EXCHANGE - Methods, apparatuses and article of manufactures for receiving a plurality of bids and offers for a binary options transaction. Each bid and offer comprises a quantity and a price. At least one rule is applied to the plurality of received bids and offers. At least one of the plurality of bids and offers is determined to be potentially manipulative. An alert that the at least one bid or offer is potentially manipulative is transmitted. | 2014-08-28 |
20140244468 | TRIGGERED BOND OR DEBT STRUCTURE SWAP - Disclosed herein is a method that includes providing a contract between a first party and a second party, the contract including a triggering event associated with a first debt structure, and a right of the first party upon the occurrence of the triggering event to swap the first debt structure with a second debt structure. The method further includes determining, by a computer system, that the triggering event occurred and swapping, by the computer system, the first debt structure with the second debt structure. | 2014-08-28 |
20140244469 | TRIGGERED BOND OR DEBT STRUCTURE SWAP - Disclosed herein is a method that includes providing a contract between a first party and a second party, the contract including a triggering event associated with a first debt structure, and a right of the first party upon the occurrence of the triggering event to swap the first debt structure with a second debt structure. The method further includes determining, by a computer system, that the triggering event occurred and swapping, by the computer system, the first debt structure with the second debt structure. | 2014-08-28 |
20140244470 | TRIGGERED BOND OR DEBT STRUCTURE SWAP - Disclosed herein is a method that includes providing a contract between a first party and a second party, the contract including: a right of the first party, upon the occurrence of a credit downgrade of a first debt structure, to exercise a put option to receive cash in exchange for the first debt structure from at least one of the second party and a third party. The method further includes determining, by a computer system, that the credit downgrade of the first debt structure occurred. The method further includes providing, by the computer system, the cash to the first party for the first debt structure. Finally, the method includes providing, by the computer system, the first debt structure to the at least one of the second party and the third party. | 2014-08-28 |
20140244471 | METHOD AND SYSTEM FOR MATCHING SHORT TRADING POSITIONS WITH LONG TRADING POSITIONS - A system and method for automatically matching short and long positions of participants and automatically generating repurchase agreements (“repo”) and reverse repurchase agreements (“reverse repo”). The system and method provide trading anonymity and various filtering options for the members. | 2014-08-28 |
20140244472 | CROSS-CURRENCY IMPLIED SPREADS - A system can include a first computer hardware means for identifying a first available order book for a first available product listed on an exchange and a second available order book for a second available product listed on the exchange, the first available product comprising a first component and the second available product comprising a second component, the first and the second components being part of a new product. The system can also include a second computer hardware means for generating a new order book for the new product based on the first and second available products. The system can also include a third computer hardware means for causing the new product to be listed on the exchange such that subsequently received orders to buy or sell the new product are matched based on the new order book or entered into the new order book. | 2014-08-28 |
20140244473 | SYSTEM AND METHODS FOR MATCHING ELECTRONIC PROPOSALS TO ELECTRONIC REQUESTS - A system for receiving bid requests and bid proposals sent thereto over a data-packet-network (DPN) and for matching the bid proposals to the bid requests includes at least one input/output port for receiving the bid requests and the bid proposals, at least one memory utility for storing the bid requests and bid proposals, and a set of machine readable instructions for enabling matching of the stored bid proposals to the stored bid requests. | 2014-08-28 |
20140244474 | AUTOMATED TRADING SYSTEM AND METHODOLOGY FOR REALTIME IDENTIFICATION OF STATISTICAL ARBITRAGE MARKET OPPORTUNITIES - A program for identifying and automatically acting on statistical arbitrage opportunities between related equities and contracts. The present invention describes an improved technique to perform statistical-pairs arbitraging in a dynamic marketplace with less risk than prior art approaches. The present invention employs an array of recent data and performance ratios involving bid and ask prices for correlated items, such as stocks. | 2014-08-28 |
20140244475 | METHOD AND SYSTEM FOR CREATING AN ISSUANCE BASED SECURITIES INDEX - A method and system to create an issuance based securities index for a period i is provided for constructing a transparent and cost-efficient securities index. The method and system to create an issuance based securities index considers historical issuance notional and historical issuance distance for each security to be used for index construction purposes so as to determine the expected allocation weight as well as index allocation for each respective security. The method and system to construct an issuance based securities index further only considers securities for inclusion within the issuance based securities index at their time of issuance. The method and system to create an issuance based securities index is performed via a number of steps by deriving issuance cycle, notional weight, expected allocation cycle, allocation weight and index allocation. These values are applied into a statistical formula to calculate the index value of the issuance based securities index. | 2014-08-28 |
20140244476 | CONTINUOUS DIALOG TO REDUCE CREDIT RISKS - A financial interaction related to personal data analytics and behavioral data is facilitated. The financial interaction drives behaviors to affect a real-time credit risk, and provides direct feedback during the financial interaction. The system operates as a personal companion for assisting clients with personal financial decisions as well as personal interactions according to personal data and behavioral data learned about the user. Communications from the system can be initiated to facilitate a conversation according to data learned, such as personal data, user preference data, and behavioral data from different financial transactions. Based on continued interactions with the user, estimates can be made of a financial score and rewards or stimulus can be presented to the user. | 2014-08-28 |
20140244477 | ELECTRONIC CLOSED LOOP FEEDBACK SYSTEM FOR PROCESSING DATA VALUES REPRESENTING PRODUCT FEATURES OF AN ELECTRONIC CREDIT ACCOUNT - A system includes a core server for administration of electronic credit accounts, payment devices for payment and receipt of notifications, and a credit product engine including a credit product database for maintaining credit product data records. Each credit product data record includes a dynamic index of attribute values and associated data values representing product features for the electronic credit accounts. The credit product engine is in communication with the core server over a network. The processor is configured to determine current profile values and target values, activate current data values representing current product features associated with the attribute values in the dynamic index corresponding with the current profile values, monitor activity on the electronic credit accounts by the payment devices including receiving credit data records over the network and dynamically adjust the dynamic index to urge utilization of the electronic credit accounts by the payment devices towards the target values. | 2014-08-28 |
20140244478 | DETERMINING A COLLECTION CATEGORY WITHIN A CREDIT REPORT - Embodiments for determining if collections within a new or existing credit report are correctly and/or incorrectly categorized are disclosed. Embodiments categorize collections within a credit report, transmit a notification with data identifying if a collection is correctly and/or incorrectly categorized, and/or transmit a notification if a credit report includes a collection for a specific category of collections. | 2014-08-28 |
20140244479 | Process for Utilizing Web Data In Making Lending Decisions - The disclosure relates to a process for utilizing web data, primarily obtained from social media websites in lending decisions business loan. Using the process, a lender can utilize publicly available data regarding a loan applicant, and evaluate that data in conjunction with other information to make lending decisions. The disclosure is directed toward loan transactions for small businesses. | 2014-08-28 |
20140244480 | SYSTEMS AND METHODS FOR PROVIDING A USER INTERFACE FOR FACILITATING PERSONAL PAYMENT TRANSACTIONS - Systems and processes are disclosed for providing customized user interfaces for facilitating personal payment transactions. In certain embodiments, disclosed embodiments may generate a dynamic and customized interface for effecting the personal payment transaction by, for example, providing one or more options for the payer to fund the payment. The disclosed embodiments may provide an interface that includes one or more suggested recipients for identifying the payee associated with the payment transaction. The disclosed embodiments may also provide an interface that includes one or more routing options to route the payment. The disclosed embodiments may also provide an interface that provides one or more communication channel options for parties associated with the personal payment transaction to communicate. | 2014-08-28 |
20140244481 | ONLINE MULTI PAYMENT SYSTEM - The disclosed Multi Payment system is a payment mediation system that uses consolidation of payment methods on a merchant's online transaction/purchase page when a purchase request is made by a purchaser offering multiple payment options from different payment methods available to the purchaser all within a single online transaction. The purchase system presents the purchaser with the purchase amount and a set of payment methods accepted by the merchant to derive a common set of available payment methods available to the purchaser. The system then provides the purchaser the option of selecting a most preferred form of payment or consolidating payment by any combination of payment methods available to the purchaser through multiple entries of such payment methods on the system which adds up to the purchase amount of any of the goods and/or services. The system processes the payments by accepting payment for goods and/or services the purchaser ultimately decides to purchase and/or presenting to the purchaser goods and/or services their eventual payments cover. Upon satisfaction of payments required for any of the goods and/or services the purchaser desires, the merchant accepts all payments in full for such goods and/or services required by the purchaser and consummates the sale within that transaction. | 2014-08-28 |
20140244482 | Automatically Updating Account Information - A method of one embodiment facilitates the updating of account information. First account information associated with a payment account of a user is received by an interface, and the first account information is stored by a memory. Payee system information associated with a payee system, wherein the payee system stores one or more portions of the first account information, is also received by the interface and stored by the memory. A processor automatically determines that an update event has occurred, the update event associated with updated information comprising one or more updated values for one or more respective portions of the first account information, wherein at least a portion of the first account information stored on the payee system changes based on the update event. In response to automatically determining that the update event has occurred, the interface automatically communicates a payee update message comprising the updated account information. | 2014-08-28 |
20140244483 | MOBILE DEVICE AS A TIME CLOCK FOR PAYMENT - Systems, methods, and computer program products provide for notifying service customers of a verified period of time which a service provider has been located at a service location and, based on the notification, initiate payment, and in some embodiments, automated payment, to the service provider for the services rendered. As service customers are not required to be present when service is provided or at least upon completion of the service. Moreover, the remote service customer can be assured that a service provider was present at a verified location for a specified period of time, and, based on the assurance, initiate payment to the service provider. | 2014-08-28 |
20140244484 | NETWORK COMPUTING ENVIRONMENT COLLECTION AND NOTIFICATION OF POINT OF SALE INFORMATION - Automated information collection and notification ancillary to the acquisition of a product or service includes determining transaction and information thresholds for application to attributes of a transaction for goods or services, a card account used to purchase an item or service pursuant to the transaction and associated with application of the thresholds. When the purchase of the item or service is accomplished, additional informational items to be retained are determined in response to an attribute of the additional informational items meeting the information threshold, an attribute of the transaction meeting the transaction threshold, and execution of the transaction via the identified card account. Authoritative source locations for retrieval of copies of the additional information, and ancillary storage devices for holding copies of or links to the additional information items, are identified. | 2014-08-28 |
20140244485 | SYSTEMS AND METHODS FOR REMOTE ELECTRONIC COLLECTION OF PAYMENT - Systems and methods that receive one or more images or one or more information elements associated with a payment instrument in the form of a payment request. The payment request may be processed to identify a debit mechanism and a debit card account to which a credit is to be made. A debit transaction may be generated based at least in part on the payment request. A credit transaction may be generated based at least in part on the payment request and the debit card account. | 2014-08-28 |
20140244486 | METHOD AND SYSTEM OF PERFORMING A MONEY TRANSFER - Method and system of performing a money transfer over a network or between accounts within a given monetary account system, wherein on the occurrence of a trigger event a money transfer is effected from a first SVA entity, which serves as a loaning entity, to a second SVA entity, which serves as a receiving entity. In order to provide a solution by which a loaner of money and a receiver of money can be brought into a special relationship such that it is particularly possible to automatically performing a money transfer it is provided that on the occurrence of the trigger event the money transfer is effected from the first SVA loaning entity to such a second SVA receiving entity, that has been set up in a previous authorisation step as a pre-authorised second SVA receiving entity with respect to the first SVA loaning entity. | 2014-08-28 |
20140244487 | Fund Transfer Using Near Field Communication - Provided is a system and method for transferring change or coin value due to a first user as a result of a cash transaction where the system allows for reading of a signal or identifier from a first user device such as a smart phone to determine what funds are being requested for transfer. The system transfers funds from a second user such to the first user according to the requested amount of funds. The system further allows for verification and confirmation of the transfer and updating of the second user computer to show if any cash in the form of bills is due to the user. The funds may be transferred into a provider-managed account. Further, the system can calculate and deduct service fees at various points in the transaction cycle. | 2014-08-28 |
20140244488 | APPARATUS AND METHOD FOR PROCESSING A MULTIMEDIA COMMERCE SERVICE - A method of processing a commerce service in a commerce processor communicating with a customer premises equipment (CPE), the method including executing a first browser and outputting a coordinate corresponding to a bitmap associated with inputted payment data on a screen of the first browser, receiving coordinate values corresponding to payment data through the output coordinate, transmitting the received coordinate values based on a communication protocol to a second browser, unscrambling the transmitted coordinate values corresponding to the payment data and retrieving payment data from the unscrambled coordinate values, and performing a payment process for a product item corresponding to the retrieved payment data. | 2014-08-28 |
20140244489 | SYSTEM AND METHOD FOR COLLECTING AND DISBURSING ELECTRONIC GRATUITIES - The present invention relates to systems and methods for collecting and disbursing electronic gratuities. According to one embodiment, a device for submitting gratuities by credit card is provided at a place of business or other appropriate location. A method of using this device is disclosed, whereby consumers pay a predetermined or adjustable gratuity amount by inserting a credit card into the device. According to another embodiment, technological infrastructure is provided to transmit encrypted payment information such that the acquiring bank of the device provider obtains authorization for gratuity transactions conducted using the device. The acquiring bank is thus enabled to credit the device provider's merchant account or disbursal accounts with electronic gratuity payments less acquisition fees. According to another embodiment, a method of disbursing gratuity shares to employees of the business is provided, wherein processing fees are collected by the device provider. | 2014-08-28 |
20140244490 | BILL PAYING SYSTEMS AND ASSOCIATED METHODS - Methods of paying user bills on behalf of a user are described. In one embodiment, the method includes receiving from a vendor a user bill having a user identifier, a vendor identifier, and a bill amount. The method further includes obtaining the user identifier, the vendor identifier, and the bill amount, associating the bill with the user based on the user identifier, and associating the bill with the vendor based on the vendor identifier. The method further includes determining whether the bill is payable, which includes comparing the bill to stored bill data associated with the user and the vendor. When the bill is payable, the method further includes obtaining funds from an account of the user, dispersing funds to the vendor to pay the bill and storing an indication of the paying of the bill. | 2014-08-28 |
20140244491 | ACCELERATED PAYMENT COMPONENT FOR AN ELECTRONIC INVOICE PAYMENT SYSTEM - An invoice payment acceleration system includes a database stored on a computer readable medium including a plurality of records, each record corresponding to an invoice issued by a vendor for payment from a buyer. A network interface is configured to receive a payment initiation command from a buyer for payment of an invoice to a vendor by a first payment method. A processor is configured to analyze the invoice as to which the payment command is received to determine whether the invoice satisfies one or more predetermined criteria. The processor further is configured, when the processor determines that the invoice satisfies the one or more predetermined criteria, to convert the first payment method to a second payment method, and the second payment method provides for an accelerated payment as compared to the first payment method. The criteria for acceleration may include vendor preferences, and/or terms of a subscription service. | 2014-08-28 |
20140244492 | METHOD AND SYSTEM FOR PROCESSING VEHICULAR VIOLATIONS - A method includes receiving paper comprising information regarding a vehicular violation, the information comprising a unique vehicle identifier and a violation classification, extracting from the paper the unique vehicle identifier and the violation classification via automated pattern recognition, uploading the extracted unique vehicle identifier and the violation classification to a database, determining whether the extracted unique vehicle identifier is associated with a predefined plurality of vehicles, responsive to a determination that the unique vehicle identifier is associated with a vehicle of the predefined plurality of vehicles, charging a violation fee for the vehicular violation to a party that was responsible for the vehicle at the time of the vehicular violation, responsive to a determination that the unique vehicle identifier is not associated with the predefined plurality of vehicles, disputing responsibility for the vehicular violation. | 2014-08-28 |
20140244493 | SYSTEMS AND METHODS FOR ELECTRONIC PAYMENT INSTRUMENT REPOSITORY - Systems and methods that receive one or more images and based at least in part on the received images, identify information associated with a payment instrument. The information associated with the payment instrument may be stored in a payment instrument repository, such as an electronic wallet (eWallet), associated with a user. The eWallet may be accessed by the user to add, delete, or modify payment instruments and associated information in the eWallet. The eWallet may further be used by the use to initiate a financial transaction using one or more of the payment instruments associated with the eWallet. | 2014-08-28 |
20140244494 | METHODS AND ARRANGEMENTS FOR SMARTPHONE PAYMENTS - To make a payment, a smartphone presents artwork for a payment card (e.g., a Visa card) that has been selected by a user from a virtual wallet of such cards. Encoded in the displayed artwork is payment information that has been encrypted with a context-dependent session key. A cooperating system (e.g., a retailer's point of sale system) uses a camera to capture an image of the artwork, and independently creates the session key from its own context sensor(s), enabling decryption of the payment information. Such technology provides a superior transaction security model at a fraction of the cost of competing chip card payment systems (which require, e.g., expensive physical cards, and single-purpose reader hardware). A great variety of other features and arrangements are also detailed. | 2014-08-28 |
20140244495 | METHODS AND ARRANGEMENTS FOR SMARTPHONE PAYMENTS - To make a payment, a smartphone presents artwork for a payment card (e.g., a Visa card) that has been selected by a user from a virtual wallet of such cards. Encoded in the displayed artwork is payment information that has been encrypted with a context-dependent session key. A cooperating system (e.g., a retailer's point of sale system) uses a camera to capture an image of the artwork, and independently creates the session key from its own context sensor(s), enabling decryption of the payment information. Such technology provides a superior transaction security model at a fraction of the cost of competing chip card payment systems (which require, e.g., expensive physical cards, and single-purpose reader hardware). A great variety of other features and arrangements are also detailed. | 2014-08-28 |
20140244496 | SYSTEMS, APPARATUS AND METHODS FOR MOBILE COMPANION PREPAID CARD - Systems, apparatus and methods for providing an un-personalized and un-embossed mobile companion prepaid card to a consumer having a mobile wallet account. An embodiment includes a wallet provider computer receiving an approval request from an agent device for a mobile companion prepaid card for a consumer. The process includes the wallet provider computer determining an issuer financial institution (FI) associated with the mobile companion prepaid card, transmitting the approval request to an issuer FI processor, receiving an approval message, and transmitting the approval message and a request to a consumer's mobile device to provide cardholder verification met hod (CVM) data. The method also includes receiving and validating the CVM data, transmitting a mobile companion prepaid card activation request, receiving a confirmation message indicating activation, and transmitting a message confirming activation of the mobile companion prepaid card to the consumer's mobile device. | 2014-08-28 |
20140244497 | Systems and Methods for Performing Funds Freeze and/or Funds Seizure with Respect to Prepaid Payment Cards - Systems, mechanisms and processes are provided to allow law-enforcement officials, when encountering the potential use of prepaid payment cards in the furtherance of a crime or in relation to criminal activities, to (1) attempt to check the balances on such prepaid payment cards, including the ability to perform aggregate balance checks on a group of such prepaid cards, (2) attempt to freeze the funds on such prepaid payment cards, and/or (3) attempt to seize the funds on such prepaid payment cards. | 2014-08-28 |
20140244498 | BANK TRANSACTIONS FEED - Disclosed are electronic systems and techniques for implementing a banking transaction and feed display system are provided that allow a user to visualize and interact with a financial transaction feed displayed on a mobile device. The feed displays a list of transactions made over a defined period of time, and the user selects different views, grouping the financial transactions by type, by recipient, by donor, by amount, and so on. The banking transaction and feed display system provides a rich set of tools to allow the user to customize the views and quickly display a desired format. The system also enables peer to peer payments to contacts stored in an address book on the mobile device. | 2014-08-28 |
20140244499 | OFF-SHORE MONEY TRANSFER TRANSACTION SYSTEM AND METHOD - Money transfer requests are received from a remote location (such as from an off-shore ship). Enhanced security is provided by receiving, as part of a money transfer request, a device ID of an off-shore POS device at the remote location used to transmit the money transfer request and path IDs of one or more points in the path over the Internet that the message uses to reach a money transfer host. The device ID and path IDs are compared to data received in advance that specifies the IDs of an authorized device and authorized path. | 2014-08-28 |
20140244500 | Intermodal money transport system and method for real-time cash or cash equivalent transfers on electronic devices with an intermodal money application interface that functions as an automated teller machine over one or more open loop financial networks by utilizing a virtual account management system and an intermodal money transport protocol - Disclosed is an intermodal money transportation system and method to send and receive money in real-time on a computer programmable electronic device with an ATM application interface over open loop financial networks during a single financial transaction acquiring session, utilizing an intermodal money transportation protocol data set that is compatible with financial network message protocols, and a virtual account management system that enables financial instrument holders to convert a plurality of financial instruments into virtual cash tokens in a manner that is independent of the modality of payment method used to process said financial instruments, where said financial instruments are readily convertible into cash or a cash equivalent on a transaction terminal and the transaction is irreversible by the originator of said transaction. | 2014-08-28 |
20140244501 | Payer-Based Account Porting To Portable Value Distribution Systems And Methods - A value distribution method includes enrolling a payee into a source program through which the payee receives funds from a payer. The source program includes a stored value account into which the payer deposits the payee's funds. The stored value account has account information associated therewith. The method also includes receiving a porting trigger, and, in response to the porting trigger, establishing a target program for the payee. The target program includes a target account into which entities in addition to the payer may deposit funds. The method also includes porting at least a portion of the account information from the source program to the target program. | 2014-08-28 |
20140244502 | MULTI-PLATFORM IN-APPLICATION PAYMENT SYSTEM - Systems and methods for providing multi-platform, in-application payments include transferring funds, by a payment service provider device, from a funding source to a payment account in response to receiving a first fund transfer instruction from one of a first user device and a second user device over a network. The payment service provider device then associates the payment account with a first platform application in response to receiving a first association instruction from the first user device over the network, and associates the payment account with a second platform application in response to receiving a second association instruction along with the user account information from a second user device over the network. The payment service provider device will pay for each of a first in-application purchase associated with the first platform application and a second in-application purchase associated with the second platform application using the payment account. | 2014-08-28 |
20140244503 | SYSTEM AND METHOD FOR AUTOMATIC THRESHOLDING FOR PAYMENT CARD SPEND CONTROL - A method for providing an automatic threshold for payment card controls includes: storing historical data for financial transactions involving a payment card; receiving an automatic threshold request, the request including a threshold model and a card use control; identifying a use threshold associated with the card use control based on an application of the threshold model to the historical data; receiving an authorization request for a financial transaction involving the payment card, the request including transaction data related to the financial transaction; and identifying if the use threshold is exceeded based on the transaction data and the card use control, wherein if the use threshold is exceeded, transmitting an authorization response indicating the threshold has been or will be exceeded by the financial transaction, and, if the use threshold is not exceeded, transmitting, an authorization response indicating approval with respect to not exceeding the threshold of the financial transaction. | 2014-08-28 |
20140244504 | METHODS AND SYSTEMS FOR PROCESSING ELECTRONIC TRANSACTIONS AND MANAGING VEHICLE COSTS - A computer-implemented method for performing an electronic transaction over a payment network system is provided. The transaction is initiated by a cardholder using a cardholder computer device in communication with a merchant computer device of a merchant, wherein the cardholder computer device is associated with a vehicle. The method includes receiving first merchant data at the cardholder computer device when the vehicle is located within a predetermined distance of the merchant computer device. The cardholder is prompted to select a purchase item from first merchant data. The method includes transmitting purchase data including at least one of an account data and a purchase item data to the merchant computer device, wherein the merchant computer device is configured to generate a payment authorization request message. The cardholder computer device receives a confirmation message in response to the authorization request message. | 2014-08-28 |
20140244505 | APPARATUSES, METHODS AND RECORDING MEDIUM FOR CONTROL PORTABLE COMMUNICATION TERMINAL AND ITS SMART WATCH - Disclosed are an apparatus, a method, and a recording medium for controlling a portable communication terminal and a smart watch of the portable communication terminal, which control an operation of a display unit only when a user obtains information on a movement of the smart watch from a sensor installed in the smart watch and view the smart watch. | 2014-08-28 |
20140244506 | DYNAMIC PAYMENT AUTHORIZATION SYSTEM AND METHOD - A computer program, system, and method for facilitating payment processing, including requesting authorization information from a user, with the authorization information confirming that the user intends to complete a payment transaction at a payment terminal. After initial authorization information is received, transaction information is received, with the transaction information being indicative of the payment transaction being initiated at the payment terminal. Finally, the authorization information is compared with transaction information, and based on the result of the comparison, the payment transaction is either allowed or disallowed. | 2014-08-28 |
20140244507 | OFFLINE TRANSACTION - An electronic device, including a code creator for creating a machine-readable transaction code for identifying an information transaction between the electronic device and a second electronic device, the transaction code including information on a first security document and on one or more first identifiers for uniquely identifying the transaction, and a communication unit for providing the transaction code to be receivable by the second electronic device. | 2014-08-28 |