37th week of 2010 patent applcation highlights part 60 |
Patent application number | Title | Published |
20100235184 | Computational systems and methods for health services planning and matching - Systems and methods are described relating to accepting an indication of at least one health-related status of an individual; determining a plurality of health service options for the individual based on the indication of at least one health-related status; accessing at least one historical result of one or more of the plurality of health service options; and providing a matching system for procurement of a desired health service option. | 2010-09-16 |
20100235185 | Computational systems and methods for health services planning and matching - Systems and methods are described relating to accepting an indication of at least one health-related status of an individual; determining a plurality of health service options for the individual based on the indication of at least one health-related status; accessing at least one historical result of one or more of the plurality of health service options; and providing a matching system for procurement of a desired health service option. | 2010-09-16 |
20100235186 | Computational systems and methods for health services planning and matching - Systems and methods are described relating to accepting an indication of at least one health-related status of an individual; determining a plurality of health service options for the individual based on the indication of at least one health-related status; filtering the plurality of health service options; and providing a matching system for procurement of a desired health service option. | 2010-09-16 |
20100235187 | Computational systems and methods for health services planning and matching - Systems and methods are described relating to accepting an indication of at least one health-related status of an individual; determining a plurality of health service options for the individual based on the indication of at least one health-related status; providing a matching system for procurement of a desired health service option; and presenting value information about one or more experiences with the desired health service option. | 2010-09-16 |
20100235188 | Computational systems and methods for health services planning and matching - Systems and methods are described relating to accepting an indication of at least one health-related status of an individual; determining a plurality of health service options for the individual based on the indication of at least one health-related status; providing a matching system for procurement of a desired health service option; and presenting value information about one or more experiences with the desired health service option. | 2010-09-16 |
20100235189 | Computational systems and methods for health services planning and matching - Systems and methods are described relating to accepting an indication of at least one health-related status of an individual; determining a plurality of health service options for the individual based on the indication of at least one health-related status; advertising a desire for at least one selected health service option; and providing a matching system for procurement of a desired health service option. | 2010-09-16 |
20100235190 | Computational systems and methods for health services planning and matching - Systems and methods are described relating to accepting an indication of at least one health-related status of an individual; determining a plurality of health service options for the individual based on the indication of at least one health-related status; advertising a desire for at least one selected health service option; and providing a matching system for procurement of a desired health service option. | 2010-09-16 |
20100235191 | Computational systems and methods for health services planning and matching - Systems and methods are described relating to accepting an indication of at least one health-related status of an individual; determining a plurality of health service options for the individual based on the indication of at least one health-related status; and soliciting advertising for at least one selected health service option. | 2010-09-16 |
20100235192 | Health Quality Measures Systems and Methods - Systems and methods of exchanging Healthcare Quality Measures (HQM) are disclosed. Healthcare providers can define one or more HQMs by constructing expressions using an expression builder according to a funding organization's requirements. Once a measure is derived, it can be converted to a common HQM data format and exchanged with the organization via an intermediary HQM service. The HQM data can then be converted into the organization's proprietary format. Thus, HQM data exchanges among providers and organizations are simplified. | 2010-09-16 |
20100235193 | COMPUTER SYSTEM AND METHOD FOR GENERATING HEALTHCARE RISK INDICES USING MEDICATION COMPLIANCE INFORMATION - A healthcare risk index is generated using a patient or individual's pharmacy claims. The index may be used to explain and predict variation in pharmacy-related costs and variation in total healthcare costs or utilization. In particular, the index is generated by first examining the individual's pharmacy claims to identify any chronic conditions possessed by the individual. Similarly, the individual's pharmacy claims are examined to identify any compliance medications prescribed to the individual. The chronic condition information is used to generate a chronic condition score by summing regression coefficients for each chronic condition possessed by the individual. Likewise, the compliance medication information is used to generate a compliance medication score by summing products of regression coefficients for each compliance medication prescribed to the individual with associated medication supply weights. From there, a modified chronic condition score is generated by multiplying the chronic condition score by an overall chronic condition regression coefficient. The modified chronic condition score may then be further modified by subtracting a no-claims weight from the chronic condition score in cases where the individual has no pharmacy claims. Finally, the risk index may be determined by summing the modified chronic condition score and the compliance medication score. | 2010-09-16 |
20100235194 | METHOD AND SYSTEM FOR PROVIDING, ADMINISTERING, AND COORDINATING A DUAL-PURPOSE PROFIT SHARING PLAN - A method and system for providing, administering, and coordinating a Dual-Purpose Profit Sharing plan (DPPSP). The method comprising the steps of: establishing the DPPSP as a qualified fund in accordance with Internal Revenue Service provisions; providing retirement benefits accident, and health benefits within the DPPSP; determining an allocation of employee contributions and employer contributions to the DPPSP between the retirement benefits, accident benefits and health benefits based on a predetermined formula; establishing that i) the employer contributions and ii) the accident and health benefits are excluded from taxation as income, based on federal income tax exclusion rules and offering the DPPSP. | 2010-09-16 |
20100235195 | Computational systems and methods for health services planning and matching - Methods, apparatuses, computer program products, devices and systems are described that carry out accepting an indication of at least one health-related status of an individual; determining at least one health service option for the individual based on the indication of at least one health-related status; and providing a matching system for procurement of a desired health service option. | 2010-09-16 |
20100235196 | Points-Based Reward Program for Improving Medication Adherence and Outcomes - The invention relates to a method and an apparatus for examining an object, particularly in terms of the surface morphology thereof. Said apparatus comprises a transportable housing which can be placed, especially by hand, above the surface segment of the object that is to be examined, and at least three light sources, the optical beam axes of which extend at a slanted angle of incidence relative to the surface segment that is to be examined. The light sources are disposed inside the housing and can illuminate the surface segment that is to be examined through an illumination aperture in the housing. The apparatus further comprises at least one light sensor for detecting the light reflected on the surface segment that is to be examined and a control and evaluation unit which is connected to the light sources and the light sensor. The light sources are arranged such that the optical beam axes thereof extend on different, non-parallel reference planes. | 2010-09-16 |
20100235197 | COMPUTER-IMPLEMENTED METHOD FOR GROUPING MEDICAL CLAIMS INTO EPISODE TREATMENT GROUPS - A computer-implemented method for profiling medical claims to assist health care managers in determining the cost-efficiency and service quality of health care providers. The method allows an objective means for measuring and quantifying health care services. An episode treatment group (ETG) is a patient classification unit, which defines groups that are clinically homogenous (similar cause of illness and treatment) and statistically stable. The ETG grouper methodology uses service or segment-level claim data as input data and assigns each service to the appropriate episode. The program identifies concurrent and recurrent episodes, flags records, creates new groupings, shills groupings for changed conditions, selects the most recent claims, resets windows, makes a determination if the provider is an independent lab and continues to collect information until an absence of treatment is detected. | 2010-09-16 |
20100235198 | Synchronous insurance inspection and valuation - Disclosed in one general aspect is an insurance item valuation method that includes establishing a communication link between a location in an operations base and a field site and transmitting item identification information about a series of different discrete items in different item categories located at the field site through the communications link. Insurance valuation information about the items is accessed at the operations base, and an acknowledgement about the insurance valuation information is transmitted from the operations base to the field site. | 2010-09-16 |
20100235199 | Method and System for Offering Insurance for Loans - A method for offering insurance to entities in the mortgage industry that provides coverage for financial loss as a result of, for example, material inaccuracies in the financial information provided by or on behalf of the borrower. The method in at least one embodiment includes the initial insurance application and establishment of an insurance agreement, periodic issuing of individual insurance coverages for particular loans handled by the lender, training and consulting on improved controls for lenders, maintaining an ineligible database of entities and a database of loan information, and handling of claims. | 2010-09-16 |
20100235200 | Method and System for Offering Insurance for a Mortgage Pool Using a Risk Assessment - An insurance program for entities in the mortgage industry that provides coverage for financial loss as a result of, for example, material inaccuracies in the financial information provided by or on behalf of the borrower. The method in at least one embodiment includes assessing the risks of financial loss for a mortgage pool. The method in at least one embodiment includes the scrubbing of mortgage production information for each insured lender to calculate a premium. | 2010-09-16 |
20100235201 | Booking System and Method - A method enabling owners of websites to monetize their local listings by implementing online bookings, reservations or orders using an interactive voice recognition (IVR) system. A user of a web-based interface requests a booking or order by entering parameters, for example, name of the restaurant, number of people, date and time. The software of the present invention calls the restaurants telephone using the IVR and confirms or rejects (refuses) the booking. The invention allows for the payment of commissions for originating or facilitation of bookings or orders or the registration of participating restaurants. The booking service is paid by the restaurant for successful bookings. Credit is made for cancelled or no-show bookings. The invention includes a loyalty points system that rewards frequent users of the booking service. | 2010-09-16 |
20100235202 | IMPROVEMENTS RELATING TO MANAGEMENT SYSTEMS - The present invention relates to a management system for assisting a user in the management of a complex workflow process, the system being arranged to generate and record data regarding a sequence of events occurring over time constituting the complex workflow process. The system comprises a communications server which is arranged to output to a remote user terminal, and which is also arranged to output data relating to a current event of the complex workflow process. The communications server is also arranged to receive inputted user data from the remote user terminal, relating to the current event. The system also comprises a data store for storing the complex workflow process, storing the output data relating to events of the complex workflow process and storing the inputted event-related user data in corresponding user data records. The data store also stores a set of event data rules, linked to the workflow process, that govern which output data is to be provided at each particular event of the complex workflow. In addition, the system comprises composing means, operable in accordance with the event data rules, for composing a collection of output data. The composing means being arranged to compose the collection of output data from predetermined event data, relating to a current event, from a database of predetermined event data and historical event-related user data from an appropriate user data record. | 2010-09-16 |
20100235203 | Engineered management system particularly suited for maintenance and repair (M&R) management of structure such as pavement - An automated user-implemented method for optimizing cost, schedule and performance of maintenance and rehabilitation (M&R) on manmade structure, such as pavements. The method utilizes a database containing information on the condition of the manmade structure, the information on condition further including a condition index; applies one or more algorithms to data in the database to yield schedule and budget for M&R of the manmade structure; correlates the type of M&R and schedule for performing the M&R with alternative budgets that a user may enter into the software supporting the method and outputs and displays work plans associated to each of the alternative budgets for use by managers in planning future M&R work and predicting performance thereof by evaluating past work on the manmade structure. The system may be implemented by a user on the internet as well as on individual personal computers. Specific implementations include PAVER™ and microPAVER™ software. | 2010-09-16 |
20100235204 | IMPROVED APPARATUS AND METHOD USING A MATRIX REPOSITORY - A method of operating an apparatus. Points of interest of an operational subject are mapped into matrix elements of one or more result matrices. Result matrices internal dependency such that a matrix operation targeted to at least one matrix element of the result matrix induces a corresponding matrix operation directed to at least one other, internally dependant matrix element of the matrix. A matrix element state being identifiable by a combination of a result matrix, matrix operation and previous state of the targeted matrix element, and associated with a specific computing rule. At matrix operation the factor value is computed and factor value and/or state is aggregated according the computing rule associated with the factor state. Operation of the apparatus is determined on the basis of a combination of values in a result matrix. | 2010-09-16 |
20100235205 | METHOD OF ENSURING SAFETY OF FOOD PRODUCTS - A method is disclosed comprising: assigning a unique batch number to a batch of food processed in a processing facility; obtaining a first sample and a second sample from the batch of food and storing at least the second sample; testing the first sample with a safety test to obtain a first test result; making the first test result available in association with the unique batch number to a downstream user who receives from the processing facility food from the batch of food in association with the unique batch number; upon receipt of a request to verify the first test result in the event that the first test result indicates an unsafe risk to a final consumer of the food, testing the second sample with the safety test to obtain a second test result, and making the second test result available in association with the unique batch number to the downstream user; and disposing of the food if the second test result also indicates an unsafe risk to the final consumer. | 2010-09-16 |
20100235206 | Methods and Systems for Modular Buildings - The present invention provides a multifunctional building panel which may comprise a sensor to measure an interior condition and an exterior condition and generate a signal in response, along with systems and methods for designing, optimizing and constructing modular buildings, including buildings constructed at least in part of multifunctional building panels, by utilizing a priority distribution ranking as an optimization constraint. | 2010-09-16 |
20100235207 | SYSTEM FOR INTEGRATING POS SYSTEM AND BUILDING MANAGEMENT SYSTEM - According to one embodiment, there is provided a system integrating a POS system and a central management system in a building that houses many shops. A POS server performs an accounts calculation for each shop, using the POS data input from POS terminals and the variable expense data items transmitted from a POS interface unit. | 2010-09-16 |
20100235208 | SYSTEM AND METHODS FOR BALANCING BINARY TREES - Systems and methods for balancing the length of the down-line legs of the binary tree of a distributor in an MLM organization, and providing at least two down-line customers to each of the distributor's customers. The method for adding a new member to an organizational head being part of an MLM organization, includes identifying the node in the MLM organizational binary tree representing the organizational head, thereby determining the current root node, determining the primary side and the secondary side of the binary tree of the root node, and determining the number of children of the root node. Upon determining the number of children to be zero, creating a new leg with a new node at the primary side of the root node. Upon determining the number of children to be one, creating a new leg with a new node at the secondary side of the root node. Upon determining the number of children to be two, determining the next root node. | 2010-09-16 |
20100235209 | Method and System of Applying Environmental Incentives - Information relating to electrical energy usage for a given account is associated with a time segment that corresponds to a period when the electrical energy was received from an electrical energy distribution system. Electrical energy generation carbon impact information is retrieved for the corresponding time segment specifying when the electrical energy was received from an electrical energy distribution system. A carbon credit is calculated according to the retrieved electrical energy generation carbon impact information, and the retrieved electrical energy usage information associated with the time segment. The calculated carbon credit is then used to update a display of carbon credit related information, such as account balance, rate of carbon credit usage, currently applicable “cost” for carbon credit usage. Notifications can be provided to the consumer if any of this information crosses a threshold value. In addition, or alternatively, the carbon credit related information can be used to automatically control the operation of devices that consume electrical energy. | 2010-09-16 |
20100235210 | SCHEDULED DELIVERY SERVICE SYSTEMS, APPARATUSES, METHODS, AND COMPUTER PROGRAMS EMBODIED ON COMPUTER-READABLE MEDIA - A system that enables a carrier to provide scheduled delivery service to a consignee is provided. The disclosed system allows the carrier to receive a consignee order from a consignor, determine whether scheduled delivery service is available, and, if scheduled delivery service is available, determine time windows from which the consignee may select for scheduled delivery. Scheduled delivery service may be available if the consignee delivery address is located within an area in which signature is required for delivery, there is a high frequency of failed delivery attempts, or there is a high frequency of inclement weather or traffic congestion/accidents, among other factors. The carrier may determine time windows from which a consignee may select based on the frequency of failed delivery attempts, inclement weather, and/or traffic congestion/accidents in the area surrounding or leading to the consignee delivery address, among other factors. | 2010-09-16 |
20100235211 | RECRUITING COMPENSATION MODEL - A method for compensating a searcher that presents a candidate for hire to a client, wherein the candidate receives annual compensation and is eligible for delayed compensation, includes the following: calculating a Stage I searcher fee based on a percentage of the candidate's annual compensation, wherein the percentage is a first percentage if the candidate is presented to the client by a first predetermined date, and a second percentage if the candidate is presented to the client by a second predetermined date; calculating a Stage II searcher fee based on a percentage of the candidate's delayed compensation, wherein the percentage is a function of a candidate performance rating that is given after the candidate has been employed for a predetermined amount of time; and compensating the searcher with the Stage I and Stage II searcher fees. The method may optionally be implemented in a system and/or via a computer readable medium. | 2010-09-16 |
20100235212 | METHOD, SYSTEM AND APPARATUS FOR UPDATING A CALENDAR DATABASE FROM AN AVAILABILITY DATABASE AND A REPORTING STRUCTURE DATABASE - A method apparatus and system for assembling meeting data to update a calendar database are provided, based on meeting request data including meeting invitees and a given time period, and further based on availability data from at least one availability database. Availability data associated with each meeting invitee is processed to determine availability of each meeting invitee during the given time period, and determine at least one unavailable invitee that is unavailable during the given time period. Reporting structure data is processed, from a reporting structure, to determine a respective alternate invitee for each at least one unavailable invitee. Availability data associated with each alternate invitee is processed to determine whether each alternate invitee is available during the given time period. If so, meeting data is assembled, for storage in the calendar database, the meeting data including respective identifiers of meeting invitees available during the given time period and of each alternate invitee, and meeting data is caused to be stored in the calendar database. | 2010-09-16 |
20100235213 | HUMAN TASK INTEGRATION INTO BPEL PROCESS VIA PRESENCE DRIVEN DELIVERY - An approach that provides presence driven notification to a subscriber when a business process automation chain requires manual intervention is provided. In one embodiment, there is a notification tool, including a routing component configured to transmit a message to the subscriber based on data gathered relating to subscriber presence, location and preferences. | 2010-09-16 |
20100235214 | METHOD AND COMPUTING DEVICE FOR PROCESSING A CALENDAR DATABASE STORED AT A MEMORY DEVICE - A method and computing device for processing a calendar database stored at a memory device is provided. New calendar data is created comprising at least a date upon which an event is to occur. The new calendar data is stored in association with countdown reminder flag data in the calendar database. The calendar database is processed to produce countdown reminder view data comprising the new calendar data and countdown reminder data determined by processing the new calendar data and a current date. The countdown reminder view data is enabled to control a display device to produce a countdown reminder view comprising the new calendar data and the countdown reminder data, the countdown reminder view being one of a plurality of calendar views that can be produced from the calendar database. The display device is controlling via the countdown reminder view data to produce the countdown reminder view. | 2010-09-16 |
20100235215 | METHOD AND COMPUTING DEVICE FOR UPDATING A CALENDAR DATABASE STORING EVENT DATA ASSOCIATED WITH AN EVENT, USING A WAITLIST - A method and computing device for updating a calendar database storing event data associated with an event are provided. The event data comprises identifiers of invitees to the event and a maximum number of attendees for the event. The computing device is in communication with the calendar database. Event request data is transmitted to respective invitee computing devices associated with the invitees, the event request data requesting respective responses from the invitee computing devices, each respective response comprising one of a positive response indicative that the event will be attended and a negative response indicative that the event will not be attended. Respective positive responses are received from at least a subset of the invitee computing devices. The event data is updated, based on the positive responses, to maintain a first list of identifiers of attendees. If a number of attendees equals the maximum number, and at least one subsequent positive response is received, then: the event data is updated, based on the at least one subsequent positive response, to maintain a second list of identifiers of waitlisted invitees for the event; and a waiting-list notification is transmitted, to each one of the invitee computing devices associated with the second list, the waiting list notification indicative that an invitee associated with one of the invitee computing devices associated with the second list is on a waiting list. | 2010-09-16 |
20100235216 | INTEGRATION OF PRE-MEETING AND POST-MEETING EXPERIENCE INTO A MEETING LIFECYCLE - Architecture that synchronizes meeting information (e.g., documents, agenda, action items, notes, attendees, join information, etc.) across the different stages of a meeting lifecycle. The architecture provides client-side synchronization across meeting lifecycle services that can include a scheduling server, content management server, and meeting server, as well as other lifecycle servers that may be employed. Information from the scheduling server can be written asynchronously to the other lifecycle servers, updates made to the content management server are synchronized to the other servers, and updates made to the meeting server are synchronized to the other servers. | 2010-09-16 |
20100235217 | JURY SELECTION SYSTEMS AND METHODS - Systems, methods, and related programs for of jury management or selection. | 2010-09-16 |
20100235218 | PRE-QUALIFIED OR HISTORY-BASED CUSTOMER SERVICE - System and methods are presented to receive presence information about a customer of an enterprise. The presence information can be geo-presence information, which may be provided by a geo-presence system or by a third party. Information within the geo-presence information can identify the customer. With the identity, personal information about the customer can be retrieved. The personal information can include aggregations or associations of the customer and other people, places, items, etc. From the presence and personal information, the system can inform, direct, or modify interactions with customers. The changes to the interactions can target customers that the enterprise may value more and may be more willing to engage in consumer activity. | 2010-09-16 |
20100235219 | RECONCILING FORECAST DATA WITH MEASURED DATA - Systems and methods can be used to adjust an advertising budget associated with an advertising item based on forecast performance of a media item associated with the advertising item. The advertising budget can be reconciled based upon measured impressions associated with the advertising item. | 2010-09-16 |
20100235220 | CATEGORY SIMILARITIES - Methods, systems, and apparatus for determining similarity measures between vertical categories based on users' online activities. The similarity measures are symmetric similarity measures based on both a similarity measure of a first vertical category relative to a second vertical category and a similarity measure of the second vertical category relative to the first vertical category. | 2010-09-16 |
20100235221 | MARKET IDENTIFICATION SYSTEM - Embodiments of the present invention provide a method and system for providing a marketing identification system by enabling creating an entry for customer data in a way that allows searching of customer attributes, querying the customer data, retrieving data in response to the query, de-identifying and aggregating the retrieved data, and displaying the de-identified and aggregated data in a way that identifies the available market as defined by the query. The invention can be implemented via a stand-alone computing system or such a system interconnected with other platforms or data stores by a network, such as a corporate intranet, a local area network, or the internet. | 2010-09-16 |
20100235222 | SYSTEM AND METHOD FOR EVALUATING SALES MARKETS - A system and method for comparing prices of products or services between multiple markets and for analyzing the amount of time a specific product or products takes to sell in a specific market. | 2010-09-16 |
20100235223 | System and method for automatic insertion of call intelligence in an information system - Systems and methods for providing automatic insertion of call intelligence in an information system are provided. In exemplary embodiments, new call detail records are accessed. At least one individual associated with the new call detail record may then be identified, and a subject matter associated with the new call detail record determined. A call intelligence record based on the identified individual and the subject matter is then generated and automatically inserted into the information system. | 2010-09-16 |
20100235224 | Device and method for creating, distributing, managing and monetizing widgets - The present invention relates to a widget, and to exemplary methods of creating, maintaining, monetizing and reporting the widget and its underlying architecture. The present invention provides for the creation of a widget and may allow for the incorporation of content which may be further transported or distributed using the created widget. A widget may also be tracked and may have attributes sounding its movement, usage and content merged into analytics associated with that widget. The associates analytics may further be used to monetize the interactions associated with the widget to generate revenue. | 2010-09-16 |
20100235225 | AUTOMATIC DETECTION OF SYSTEMATIC SALES PATTERNS USING AUTOCORRELATION TECHNIQUE - A method, based on autocorrelation techniques, for measuring the relative significance of the systematic versus random components of product sales data. The results of this determination can be used to improve product demand forecast and product seasonal profile determinations. When a product's sales variation is primarily due to systematic patterns, the accuracy of demand predictions and forecasts can be improved by understanding and modeling the underlying pattern. On the other hand, when variations in sales are merely random, these variations can be discounted when determining demand forecasts or product seasonal profiles. | 2010-09-16 |
20100235226 | System to Quantify Consumer Preferences - A system to determine preference information of part worth values associated with a consumer and a product includes determination of a plurality of attributes of the product, each of the plurality of attributes associated with a plurality of attribute levels, determination of a plurality of piles of attributes based on a first indication of the consumer, each of the plurality of piles comprising one or more of the plurality of attributes, determination of a ranked order of a plurality of attributes of one of the plurality of piles, determination of a relative importance of one or more of the plurality of attributes of the one of the plurality of piles based on a second indication of the consumer, determination of a scale value of one or more attribute levels of the one or more of the plurality of attributes of the one of the plurality of piles based on a third indication of the consumer, and determination of a part worth value associated with an attribute level of one of the plurality of attributes of the one of the plurality of piles based on a determined scale value of the attribute level and a determined relative importance of the one of the plurality of attributes. | 2010-09-16 |
20100235227 | SYSTEMS AND METHODS FOR IMPROVING THE LIQUIDITY AND DISTRIBUTION NETWORK FOR LUXURY AND OTHER ILLIQUID ITEMS - Systems and methods for improving the liquidity and distribution network for luxury and other illiquid items are provided. These systems and methods preferably include the trading of futures and options contracts, which will provide the liquidity and distribution network for luxury items. Possible embodiments of these systems and methods include the trading of futures and options contracts for diamonds and wine. Another embodiment of this invention preferably includes generating indexes for diamond prices, wine prices, luxury item prices, housing values, mortgage prepayments, privately-held companies or for anything with from sufficiently liquid points of value. Another embodiment of this invention preferably includes a centralized data base for retrieving closing and current auction prices for determining the value of, and best method for the auctioning of various items. The data provided by this data base would improve liquidity by creating greater price transparency. | 2010-09-16 |
20100235228 | Service provider evaluation and feedback collection and rating system - The service provider feedback collection and rating system of the present invention includes a system to quantify the quality of the service in the care industry. The system provides patients and their families the information they need to make an informed decision regarding the care for their loved one by identifying standards for the particular service industry, compares adherence to those standards between care providers. The system provides for a care provider to create its own professional profile listing all of its standards, policies, procedures, employee turnover, performance, and other criteria it feels may be important to prospective clients, and customers of the care provider to evaluate the accuracy of the care provider's profile, as well as provide comments and reviews of their experiences with that care provider. This information, when considered as a whole, is then used to create a care providing rating. Prospective customers can then easily compare the ratings from various care providers. | 2010-09-16 |
20100235229 | CONTENT DISTRIBUTION SYSTEM, MANAGEMENT APPARATUS, AND MOBILE TERMINAL - A management apparatus includes a collector configured to collect requests of events of which the distribution is required via the network from users of the plurality of terminals, a list generator configured to aggregate the collected requests for each event to generate a list, a disclosure unit configured to disclose the list on a site on the network for a predetermined period, a reception unit configured to receive a request for distributions from a plurality of content distributors via the site for each content included in the list, a selector configured to select a content distributor to which a distribution right is granted from among the plurality of content distributors for each content included in the list based on a predetermined conditions, and a reporter configured to report a selection result by the selector to content distributor with the distribution right granted thereto. | 2010-09-16 |
20100235230 | METHOD AND SYSTEM FOR EFFICIENT ELECTRONIC COMMERCE THROUGH ESTIMATE REQUESTS AND RESPONSES - Methods and systems for electronic commerce are provided in which a buyer requests a merchandise estimate by selecting estimate items registered by a seller, selects one of various estimates suggested by the seller in response to the request, and performs payment for the merchandise. One method for providing electronic commerce includes receiving, from a buyer terminal, an estimate request selecting at least one of a plurality of items from estimate request information registered by a seller terminal, providing at least one estimate to a buyer according to an estimate response from the seller terminal, and receiving an estimate rejection or a purchase request in response to the at least one estimate from the buyer terminal and performing a corresponding process. | 2010-09-16 |
20100235231 | LEAD ACQUISITION, PROMOTION AND INVENTORY MANAGEMENT SYSTEM AND METHOD - A lead acquisition, promotion and inventory management system and method are described that optimize the delivery and revenue of cost per acquisition (CPA) advertising programs, while implementing user targeting techniques to reach interested potential consumers. Clients, such as advertisers, can create a program to be implemented. Based on the program information, a number of leads is calculated that can be collected. The leads are generated by targeting and selecting qualified users from a user pool, and determining if they are compliant with the requirements of the program. Compliant leads are then allocated and delivered to the client. | 2010-09-16 |
20100235232 | ADVERTISEMENT PROVIDING SYSTEM AND METHOD THEREOF - The present invention relates to an advertisement providing system and a method thereof. The advertisement providing system of the present invention receives first contents registration information and second contents registration information for providing an advertisement from an advertisement provider, stores the received information, the first contents registration information including basic advertisement contents and the second contents registration information including additional advertisement contents that corresponds to the basic advertisement contents, and provides a stored web page and the basic advertisement contents to a user terminal. When receiving a user action on the basic advertisement contents for activating the additional advertisement contents from the user terminal, the advertisement providing system provides the additional advertisement contents to the user terminal. According to the present invention, an advertisement is provided by re-selling existing advertisement contents instead of providing a location-based basic advertisement, thereby increasing advertising efficiency with minimum expenses. | 2010-09-16 |
20100235233 | NETWORK GAMING SYSTEM - The present invention is a method and apparatus for collecting information about network (internet) users for determining advertising to be presented to the users. In one embodiment, user profiles are determined, and advertising is selectively provided by comparing user personal information in such profiles with a desired demographic profile. User responses to advertising are used for evaluating advertising effectiveness. The invention is useful for test marketing of products, advertisements, and reduces advertising costs. | 2010-09-16 |
20100235234 | METHOD AND SYSTEM FOR TRANSACTING WITH NETWORK TRAFFIC - A system and method for using targeted network traffic as payment-in-kind in exchange for rights to anything that may be connected to a network, such as network-connected computer hardware and copyrighted software or content on such hardware, is disclosed. The method may be adapted for use with almost any product or service which may be tracked over a network. The system and method are for use with transactions between a user of a subject product or service and a provider of the subject product or service desiring to receive traffic to a target in exchange for it. | 2010-09-16 |
20100235235 | ENDORSABLE ENTITY PRESENTATION BASED UPON PARSED INSTANT MESSAGES - During an instant message conversation, instant message users may be presented with advertisements, news headlines, hyperlinks to web pages, and other additional information. It may be advantageous to provide targeted information that may be relevant to the current conversation between the instant message users. As provided herein, an endorsable entity may be presented to an instant message user based upon parsing an instant message from an instant message conversation. An instant message may be parsed for a proper noun (e.g., a word or grouping of words within the instant message text). The proper noun (e.g., a retail product) may be compared to an index to determine a topic of interest (e.g., a manufacturer of the particular retail product). The topic of interest may be used to determined an endorsable entity (e.g., an advertisement of the manufacturer), which may be presented to instant message users engaged in the instant message conversation. | 2010-09-16 |
20100235236 | SYSTEM AND METHOD FOR CREATING AND USING ADVERTISEMENTS DATABASE - A system and methods for intermediating between publishers and advertisers, wherein the system includes an advertisement database containing ads provided by numerous advertisers. Each ad entry includes the ad graphical and advertising features, and terms of use. Publishers that want to place an ad in any online, interactive public media available to the public, such as internet site owners, select an ad from the advertisement database, and after accepting the ad terms, can publish the selected ad. | 2010-09-16 |
20100235237 | Methods for distributions of digital files - The invention relates to a process for distributing files, having the steps of receiving at least one digital file, transmitting the digital file to a location, and selecting at least one content provider. The process also has the steps of updating a content of the content provider to provide a reference to the digital file at the location, generating an updated digital file by adding information which identifies the content provider to the digital file when the reference to the digital file is selected at the content provider, and transmitting at least a portion of the at least one updated digital file to a client network. | 2010-09-16 |
20100235238 | Registering Media For Configurable Advertising - A method for registering a media for configurable advertising is described herein. Advertising policies from a publisher of the media may be received at a video advertising platform. A request from the publisher to register the media for advertising may be received at a video advertising platform. The request may have media metadata. A media manifest may be generated at the video advertising platform. The media manifest may be based on the media metadata and the advertising policies. The media manifest may be configured to be received by a media player. The media player may play the media with one or more advertisements as specified by the media manifest. | 2010-09-16 |
20100235239 | SYSTEM AND METHOD FOR PROVIDING AUTOMATIC ADVERTISING AND CATEGORY DISTRIBUTION FOR ONLINE COMPUTER USERS - A system and method for providing automatic advertising and category distribution for online computer users is disclosed. A particular embodiment includes obtaining a listing for posting in a plurality of regions; generating a unique global ad identifier for the listing; processing the listing according to a set of pre-defined rules related to posting a listing in the plurality of regions, the processed listing being modified to produce a first version of the listing for posting in a first region and a different second version of the listing for posting in a second region; associating the global ad identifier with the first and second versions of the listing; and making the first version of the listing available for viewing by a first user in the first region and making the different second version of the listing available for viewing by a second user in the second region. | 2010-09-16 |
20100235240 | AUTOMATIC VENDING APPARATUS FOR PROVIDING ADVERTISEMENT AND METHOD THEREOF - An automatic vending apparatus and an advertisement method thereof are provided. The automatic vending apparatus receives advertisement content and an advertisement schedule through a network, stores the received information, and replays the stored advertisement content on a touch screen in accordance with the stored advertisement schedule. Since it is possible to provide advertisement through automatic vending apparatuses according to a predetermined, advertisement can be provided in a more systematic, various and efficient manner. | 2010-09-16 |
20100235241 | GENERATING USER PROFILES - Methods, systems, and apparatus, including computer program products, for generating user identifier profiles. A user identifier profile characterizes a user based on events that occurred during past user sessions for a user (e.g., past online activities). An event is an action that occurs during a user session, such as a web page view, an advertisement click-through, and a conversion. A user identifier profile can be used, for example, to select advertisements targeted to the user. A user identifier profile includes information about inferred user interests and inferred user demographics. | 2010-09-16 |
20100235242 | Computational systems and methods for health services planning and matching - Systems and methods are described relating to accepting an indication of at least one health-related status of an individual; determining a plurality of health service options for the individual based on the indication of at least one health-related status; and soliciting advertising for at least one selected health service option. | 2010-09-16 |
20100235243 | Remnant Inventory Marketplace for Placement of Advertisements - The subject matter of this specification can be implemented in, among other things, a computer-implemented method for assigning remnant advertisement availabilities including receiving bids for a plurality of advertisement availabilities, each of the bids including an amount being bid for a specific advertisement availability among the advertisement availabilities. The method further includes auctioning the advertisement availabilities using the bids. The method further includes determining, as a result of auctioning the advertisement availabilities, a remaining advertisement availability from the advertisement availabilities that was not auctioned. The method further includes receiving offers for the remaining advertisement availability, each of the offers having corresponding budgets for non-specific advertisement availabilities. The method further includes selecting from the offers an offer having a remaining budget that is greater than or equal to a minimum charge incurred by the remaining advertisement availability. The method further includes assigning the remaining advertisement availability to the selected offer. | 2010-09-16 |
20100235244 | METHOD AND DEVICE FOR MATCHING PEOPLE BASED ON PREPROGRAMMED PREFERENCES - A method for processing client information by a first client, the client information having a plurality of client data values for matching a first and a second client, the method providing a client matching application comprising: providing a request to a second client to transmit client information to a first client if not already transmitted, step | 2010-09-16 |
20100235245 | PHILANTHROPIC ADVERTISING CAMPAIGNS - Methods, systems, and computer-readable media for directing funds to philanthropic organizations are provided. An advertisement server system includes advertisement servers, databases, and client devices. Publishers register with advertisement servers to select philanthropic organizations and to customize advertisement placeholders that are rendered on sites web pages associated with the publishers. The databases store records and accounts for the publishers and philanthropic organizations. The client devices interact with the web pages associated with the publishers. And based on the level of interaction by the client devices with an advertisement placeholder, the philanthropic organization that is linked to the advertisement placeholder is directly provided with a financial donation from the advertisement server system listing the publisher as a donor. | 2010-09-16 |
20100235246 | METHODS AND SYSTEMS FOR SORTING BANK NOTES, PROVIDING A CHANGE FUND AND BALANCING REVENUE - A method is provided for sorting bank notes using a bank note processing apparatus having an at least one input receptacle, at least one identification unit, and a plurality of stacker units. The method includes receiving the bank notes in the input receptacle or receptacles. The bank notes are identified when passed through or by the identification unit or units. The bank notes are sorted into the plurality of stacker units according to the results of the identification, which includes stacking each of one or more change funds into at least one stacker unit and stacking the remaining bank notes into at least one stacker unit. Each change fund includes a predetermined value and two or more predetermined denominations. | 2010-09-16 |
20100235247 | METHODS AND SYSTEMS FOR SORTING BANK NOTES, PROVIDING A CHANGE FUND AND BALANCING REVENUE - A method is provided for sorting bank notes using a bank note processing apparatus having an at least one input receptacle, at least one identification unit, and a plurality of stacker units. The method includes receiving the bank notes in the input receptacle or receptacles. The bank notes are identified when passed through or by the identification unit or units. The bank notes are sorted into the plurality of stacker units according to the results of the identification, which includes stacking each of one or more change funds into at least one stacker unit and stacking the remaining bank notes into at least one stacker unit. Each change fund includes a predetermined value and two or more predetermined denominations. | 2010-09-16 |
20100235248 | FUTURE CHECK FINANCING METHOD - A Future Check Financing Method is disclosed. The method enables purchasers and others to present future-dated checks (or other payment vehicles) at the point of sale for purchases. The potential recipient of the future-dated payment vehicles and/or a check guarantee entity is able to make a lending decision based solely on the presenter's check writing history. The recipient of future-dated checks under the method will receive full payment (typically minus service charges) nearly immediately after completing the transaction with the presenter, rather than when all future-dated payment vehicles become payable. The check writing history may include negative check writing history for the presenter, but also may include positive check writing history for the presenter. | 2010-09-16 |
20100235249 | Systems and methods for electronic device point-of-sale activation - The present invention is directed to systems and methods of activating an electronic device at a point-of-sale (POS). The device may be identified by an indicia and activation may occur following purchase of the device. The method may include the steps of receiving at a central processor from the POS the indicia identifying the device purchased at the POS; enabling by the central processor a feature or functionality of the device or use of the device; and conveying to the device information material to the feature, functionality, or use. The system may include a central processor that activates the device. The central processor may include various interfaces with the POS, provider, and device, as well as a database with records related to the device and an activation processor for determining if activation is appropriate, activating the device, and sending information material to the feature, functionality, or use to the device. | 2010-09-16 |
20100235250 | TRACKING ITEMS IN A DISTRIBUTION CHANNEL - A method of providing inventory control service to a point of sale, the method comprising: providing readers adapted to read a unique identifier (UID) of a purchased item and transmit the UID to a database together with a reader identification code (RIC) of a specific reader; implementing reading of UIDs by the readers as items are purchased; and allowing access to data transmitted from a designated set of readers to an authorized party. | 2010-09-16 |
20100235251 | METHOD AND SYSTEM FOR DELIVERY OF GOODS - The present publication discloses a method and system for delivering goods from main system (S | 2010-09-16 |
20100235252 | Electronically Ordering A Product - A system and method for distributing products where the product is shown, presented or advertised via a first communication method and a request to purchase that product is issued substantially simultaneously with the listening or viewing of the product. The request is then transmitted via a second communication method to a distributor who fills the order for such products. | 2010-09-16 |
20100235253 | Secured Item Delivery Method and Device - The technology is of methods, devices, and systems for conducting transactions. Orders may be placed via public data networks where a device indicator or other unique identifier of the purchasing device is transmitted to the merchant. The order is then delivered by the merchant to a location indicated in the order or associated with the purchaser or purchaser's device, or alternatively, the order is picked up by the purchaser. The purchaser then transits or exhibits directly from the device used to make the purchase to a device associated with, or operated by, the merchant, the device indicator, or other unique identifier to verify and identify the transaction and ensure security of a transaction. Embodiments of the disclosed technology may be used at sporting events or other large venues as part of online or catalog shopping and deliveries. | 2010-09-16 |
20100235254 | Application Products with In-Application Subsequent Feature Access Using Network-Based Distribution System - An improved system, device and method for accessing locked (secured) features of digital products with assistance from a product distribution site are disclosed. In one embodiment, a digital product can be submitted to a product distribution site for network-based distribution. The digital product can be initially provided such that it provides base functionality but contains one or more locked features that, if unlocked, can supplement the base functionality. If the digital product that has been submitted is approved, the digital product becomes available at the product distribution site such that users can search, browse and purchase the digital product. Once the digital product has been purchased, download and installed on a user's computing device, the user is able to utilize the digital product. However, since the digital product itself includes one or more locked features, the user is not able to utilize such features until a subsequent purchase is performed. Advantageously, the subsequent purchase can be invoked from the digital product. In doing so, the digital product interacts (directly or indirectly) with a remote server (e.g., the product distribution site) to purchase access or usage for one or more of the locked features within the digital product. Once access or usage for the one or more locked features has been purchased, the one or more locked features within the digital product can be unlocked and thereafter utilized. | 2010-09-16 |
20100235255 | INTERNET BILLING METHOD - A system that incorporates teachings of the present disclosure may include, for example, equipment operable to establish a communication session over the Internet between equipment of a vendor and equipment of a customer enabled by a communications link of equipment of a third party, receive during the communication session a communication indicating that the customer initiated an order for a product or service from the vendor, submit to the equipment of the third party transactional information relating to the purchase transaction without submitting a billing request to the equipment of the third party, and receive a portion of the transaction amount in accordance with a remitting arrangement without submitting the billing request to the equipment of the third party. Additional embodiments are disclosed. | 2010-09-16 |
20100235256 | SYSTEM FOR ONLINE CONTENTS MARKETPLACE AND THE OPERATION METHOD THEREOF - The present invention relates to an online content marketplace system and a method of operating the system, in which the authors of personal media content can share their writing, individuals or groups can purchase necessary shared content, and purchased content is provided such that it can be conveniently and effectively used. Using an online content marketplace system including a content sale means ( | 2010-09-16 |
20100235257 | Multimedia gift registry system - Electronic purchasing is facilitated by enabling an initiator to upload a multimedia file created by the initiator, along with a personal text message. The multimedia file enables enhanced personalization of communication between the initiator and the responder. The initiator schedules sending of notice of the uploaded multimedia file to a responder, with either a gift for the responder or a wish list of items so that the responder can pick a gift for the initiator. A purchase order for the gift is provided to a merchant, the purchase order being from either the initiator or the responder. | 2010-09-16 |
20100235258 | Method Of Customized Cleat Arrangement - A method for producing articles of footwear with customized cleat arrangements is disclosed. The method includes a step of designing a customized cleat arrangement using a graphical interface system; a step of drilling holes into an outer plate according to the designed customized cleat arrangement; a step of inserting receiving members into the holes; a step of attaching the outer plate to an upper; and a step of associating a plurality of cleats with the receiving members. | 2010-09-16 |
20100235259 | SYSTEM AND METHOD ALLOWING SOCIAL FASHION SELECTION IN AN ELECTRONIC MARKETPLACE - In various exemplary embodiments, a system and an associated method to retrieve information related to marketplace items within an electronic environment are disclosed. A network architecture comprises a listing module to store the information related to the marketplace items. The related information includes one or more user-created items such as an image of a model with one or more tagged items worn by the model. Each of the one or more tagged items has associated descriptive metadata. A communications module is arranged to receive a query including search terms related to social fashion items from an end-user. A query engine is coupled to the communications module to match the search terms contained within the query to the associated descriptive metadata of the tagged items in the listing module. A processing module then displays to the end-user the model and the one or more tagged items. | 2010-09-16 |
20100235260 | SYSTEMS AND METHODS FOR ORDERING OLIGONUCLEOTIDES - A system is described for ordering oligonucleotides through a network, such as the Internet. The system provides a mechanism for validating the data provided by a customer, and then displaying graphical images to represent any data that has errors. The system can also pool multiple oligonucleotide samples together by providing graphical images representing oligonucleotide containers, and allowing the customer to select the proper containers to pool. | 2010-09-16 |
20100235261 | Software Application Framework for Network-Connected Devices - A facility for provisioning and managing registered applications is described. Registered applications can be downloaded to a mobile device from an application provisioning server. When the download is complete, the mobile device may begin execution of the registered application. However, at least portions of the registered application cannot be executed by the mobile device without first passing control to an application provisioning server via a network connection. Upon receiving temporary control of the registered application, the application provisioning server can perform tasks such as license verification and other tasks before turning control of the application back to the mobile device. | 2010-09-16 |
20100235262 | Process for implementing a method for the on-line sale of software product use licenses through a data network, and software component which allows carrying out said process - Online sale of software product use licenses through a data network by offering software products (SOFT) through vendor sites, purchasing a license on-line on one of said vendor sites, and activating said license on-line by a different licensing site. A specific component (COMP) is provided with the software product (SOFT) and identifying data (IDV) of the vendor site are transmitted during the download of the software product (SOFT). When the component (COMP) is executed in an equipment, the component (COMP) locally accesses said data (IDV) and identifying data (IDL) of the licensing site and activates the license by setting up an on-line communication with the licensing site. | 2010-09-16 |
20100235263 | Process for implementing a method for the on-line sale of software product use licenses through a data network, and software component which allows carrying out said process - Online sale of software product use licenses through a data network by offering software products (SOFT) through vendor sites, purchasing a license on-line on one of said vendor sites, and activating said license on-line by a different licensing site. A specific component (COMP) is provided with the software product (SOFT) and identifying data (IDV) of the vendor site are transmitted during the download of the software product (SOFT). When the component (COMP) is executed in an equipment, the component (COMP) locally accesses said data (IDV) and identifying data (IDL) of the licensing site and activates the license by setting up an on-line communication with the licensing site. | 2010-09-16 |
20100235264 | Process for the on-line sale of a software product - Online sale of software product use licenses through a data network by offering software products (SOFT) through vendor sites, purchasing a license on-line on one of said vendor sites, and activating said license on-line by a different licensing site. A specific component (COMP) is provided with the software product (SOFT) and identifying data (IDV) of the vendor site are transmitted during the download of the software product (SOFT). When the component (COMP) is executed in an equipment, the component (COMP) locally accesses said data (IDV) and identifying data (IDL) of the licensing site and activates the license by setting up an on-line communication with the licensing site. | 2010-09-16 |
20100235265 | Process for the on-line sale of a software product - Online sale of software product use licenses through a data network by offering software products (SOFT) through vendor sites, purchasing a license on-line on one of said vendor sites, and activating said license on-line by a different licensing site. A specific component (COMP) is provided with the software product (SOFT) and identifying data (IDV) of the vendor site are transmitted during the download of the software product (SOFT). When the component (COMP) is executed in an equipment, the component (COMP) locally accesses said data (IDV) and identifying data (IDL) of the licensing site and activates the license by setting up an on-line communication with the licensing site. | 2010-09-16 |
20100235266 | Determining Charge for Content Distribution - A method of determining charge for content presentation includes identifying multiple target criteria that a content provider specifies for distribution of content, the multiple target criteria associated in a hierarchy. The method includes determining, for a presentation of the content to a user, which of the multiple target criteria are met by the presentation. The method includes recording a charge to the content provider for the presentation, the charge determined using the hierarchy and charge values associated with the multiple target criteria. The method can be implemented using a computer program product tangibly embodied in a computer-readable storage medium and comprising instructions that when executed by a processor perform the method. | 2010-09-16 |
20100235267 | Guaranteed Postage - A system and method for managing a value of a descending register of a postal security device (PSD) in accordance with a guarantee is disclosed. Mailing data including a guarantee rate, and a public rate of postage disbursed for a mailpiece franked under terms of the guarantee, can be received. The public rate and the guarantee rate can be compared, and if the public rate is equal to or less than the guarantee rate, postage funds can be downloaded from an account corresponding to a lessee of the PSD. | 2010-09-16 |
20100235268 | FOCUSED RETRIEVAL OF SELECTED DATA IN A CALL CENTER ENVIRONMENT - A method, program product and system for retrieving customer data in a call center environment, includes completing a connection between a customer and a call agent. It also includes searching a database for a customer account or a business agreement based on information provided by the customer to the call agent. It further includes searching the database optionally for a premises that is either dependent of the customer account or business agreement or that is independent of the customer account or business agreement. It still further includes determining a contract corresponding to the premises and the customer account or business agreement. It also includes a search process that is completely flexible regarding search criteria and sequence. It finally includes dealing with the customer to resolve an issue related to the contract. | 2010-09-16 |
20100235269 | System and Method of Processing Asset Data - A method of processing asset data can include receiving data related to an asset from an electronic data warehouse at an adjustment system. The method can also include identifying a tax class of a plurality of tax classes based on the received data and storing the received data in association with the identified tax class. Further, the method can include determining based on the received data that the asset has been added, retired or depreciated during a time period. In addition, the method can include adjusting a value of the asset, wherein the adjusted value corresponds to an addition, retirement or depreciation of the asset. | 2010-09-16 |
20100235270 | Apparatus, system and method for a precious coin exchange platform and for valuation and trade of precious coins - An apparatus, system and method for buying and selling interests in at least one coin pool. The apparatus, system and method includes an assessment of at least one coin for inclusion in the at least one coin pool, wherein the at least one coin constitutes legal tender in at least one country, principally precious metals selected from the group of gold, silver, platinum, palladium, and rhodium, an international mintage of less than 10,000, a national mintage limit of at least one of no more than a predetermined threshold mintage and a production limit in a certain timeframe, a non-business strike, a non-bullion, and a proof. The present invention may additionally include a valuing of the at least one coin for a buy in accordance with at least one of a currency exchange value, an award, and a projected value increase, a purchasing of the at least one coin and placing the at least one coin into the at least one pool in accordance with the assessing and the valuing, and an offering of the interests in the coin pool in accordance with said purchasing. | 2010-09-16 |
20100235271 | DETERMINATIONS RELATING TO RESOURCE DISTRIBUTION - Systems and methods that may determine whether to provide a resource to a consumer are disclosed. Further methods may allow distributing resources on an expedited basis or recheck previous determinations to provide a resource. In certain embodiment, resource transactions may be categorized. Illustrative categories may be organized by: investment, a non-investment expenditure, or income. In one embodiment, transactions categorized as non-investment expenditures may be categorized into subcategories, including necessities, discretionary, or debt. Calculations may be performed upon the categorized (and/or sub-categorized data). For example, one or more of the following ratios may be calculated: debt-to-income, investment-to-income, and expenditure-to-income. Ratios may be compared to one or more threshold values. Determinations of the threshold may consider information regarding other individuals' or business' resource transactions. | 2010-09-16 |
20100235272 | ROSCA-RISK MANAGEMENT SYSTEM AND METHOD THEREOF - The present invention provides a Rosca-risk management system and a method thereof. The Rosca-risk management method conducts risk management on a Rosca group by using a processing apparatus. The processing apparatus is connected with a client through a network. The processing apparatus executes the following steps: determining a risk management term No. of the Rosca group according to a Rosca condition and a risk tolerance level of the Rosca group; determining, via the client, that a current bidding term No. of a member is not earlier than the risk management term No.; and allowing the member to enter into a bidding procedure of the Rosca group via the client. | 2010-09-16 |
20100235273 | USER INTERFACE FOR AN ELECTRONIC TRADING SYSTEM - A user interface for an electronic trading exchange is provided which allows a remote trader to view in real time bid orders, offer orders, and trades for an item, and optionally one or more sources of contextual data. Individual traders place orders on remote client terminals, and this information is routed to a transaction server. The transaction server receives order information from the remote terminals, matches a bid for an item to an offer for an item responsive to the bid corresponding with the offer, and communicates outstanding bid and offer information, and additional information (such as trades and contextual data) back to the client terminals. Each client terminal displays all of the outstanding bids and offers for an item, allowing the trader to view trends in orders for an item. A priority view is provided in which orders are displayed as tokens at locations corresponding to the values of the orders. The size of the tokens reflects the quantity of the orders. An alternate view positions order icons at a location which reflects the value and quantity of the order. Additionally, contextual data for the item is also displayed to allow the trader to consider as much information as possible while making transaction decisions. A pit panel view is also provided in which traders connected to the pit are represented by icons, and are displayed corresponding to an activity level of the trader. | 2010-09-16 |
20100235274 | Anti-terror platform for securing a community against terrorisms - An anti-terror platform for securing a community against terrorisms is disclosed. The platform includes following elements: (1) an anti-terror system, with an anti-terror server via a closed network connecting to a plurality of pre-contracted stations, wherein the closed network isn't invaded by a hacker; (2) an inputting frame, configured in the pre-contracted stations for inputting and transmitting terror data to the anti-terror server; (3) an anti-terror database, configured in the anti-terror server and maintained by an anti-terror expert system for receiving and correlating the terror data with historic terror data of the anti-terror database; (4) a resolving module, configured in the anti-terror server for estimating a probability of terrorism based on a result correlated by the anti-terror database and obtaining a terror warning according to the probability; and (5) a broadcasting module, configured in the anti-terror server for informing the pre-contracted stations of the terror warning. | 2010-09-16 |
20100235275 | Card Processing - An exemplary system is adapted for designing card processing models, generating code for card processing systems from the models, testing the code, and executing card processing systems. A model content repository stores elements for card processing models. An integrated development environment allows users to access the model content repository and design card processing models. A deployment manager is adapted to compile and test card processing models that have been defined and stored in the model content repository. The compiled code is executed in a platform runtime environment. Information that is collected from an executing card processing system is communicated to the integrated development environment where the information may be presented to a user. | 2010-09-16 |
20100235276 | Systems and Methods to Process User Initiated Transactions - Systems and methods are provided to process transactions initiated by users of mobile devices. In one aspect, a system includes a data storage facility to store phone numbers of users, and an interchange coupled with the data storage facility. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the common format processor in a common format and to communicate with the controllers in different formats. The interchange uses the converters to transmit at least one premium message to a mobile phone at a first telephone number to provide an amount to the mobile phone using funds associated with a second telephone number, in response to a request initiated from a mobile phone at the second telephone number. | 2010-09-16 |
20100235277 | SYSTEM FOR CLEARING FINANCIAL TRANSACTIONS - A system is provided for clearing financial transactions as between banking institutions optionally by way of one or more clearing houses. A plurality of banking institutions are each enabled to communicate directly with each other and with at least one clearing house. Each banking institution has a computerised server programmed to address clearance requests to at least some of the plurality of banking institutions in the system by way of a particular route. The computerised server of at least one banking institution in the system is programmed to route clearance requests selectively and, as may be necessary, sequentially directly to one or more of the other banking institutions and clearing house in the alternative. Selection means associated with the computerised server are provided for selecting a particular one of said at least one other banking institution and clearing house according to a predetermined sequence and typically according to least cost. | 2010-09-16 |
20100235278 | Card activated cash dispensing automated banking machine system and method - An automated banking machine system operates to cause financial transfers responsive to data read from data bearing records. The system is operative to read a financial card bearing account indicia with a card reader. A user is enabled to perform at least one banking operation responsive to account indicia read from the card. Such banking operations may include dispensing cash and accessing financial accounts. While a user operates the system to dispense cash or perform other banking operations, the system may further permit at least one portable wireless device to wirelessly access the system to conduct transactions. | 2010-09-16 |
20100235279 | ONLINE TRANSACTION VALIDATION USING A LOCATION OBJECT - A method that comprises obtaining from end user equipment a location object caused to be stored on the end user equipment by a service provider; and validating an online transaction attempted using the end user equipment, based at least in part on the location object so obtained. The method may further comprise obtaining transaction object information provided via the end user equipment; and obtaining information to assist in validating online transactions attempted using the transaction object information. The validating of the online transaction may comprise comparing a location specified by the location object to the information to assist in validating online transactions attempted using the transaction object information and taking a validation action based on a result of the comparing. | 2010-09-16 |
20100235280 | METHOD AND SYSTEM TO VERIFY A TRANSACTION - A method and system to verify a transaction are described. The system may include an escrow module to receive funds from a client, a communication module to receive a request from the provider to redeem a provider set of tokens, and a redemption module to selectively redeem the provider set of tokens. The funds received by the escrow module are associated with a transaction between the client and a provider. The redemption module may be configured to examine the provider set of tokens and selectively redeem the provider set of tokens based on the results of the examination. | 2010-09-16 |
20100235281 | Method Guaranteeing Payment for Electronic Commerce in Particularly by Mobile Telephone and a System Implementing It - An electronic payment method for a retailer using an operator network and a financial organization. During a transaction two certificates are produced; one using an operator key and the other using a banking key. The first certificate is sent to the operator and the other certificate is securely placed under the control of the financial organization. | 2010-09-16 |
20100235282 | SMART CARD PURCHASE TRANSACTIONS USING WIRELESS TELECOMMUNICATIONS NETWORK - A mobile handset includes a card reader; a gateway; a funds issuer computer; and an authentication computer. The handset receives a request to load a value onto the smart card. The handset generates a funds request and sends it to a funds issuer computer. The funds issuer computer debits an account. The handset generates a load request with a signature and sends it to an authentication computer. The handset receives a response. The handset validates the second signature and loads value onto the smart card. For payment, the system includes a merchant server and a payment server. The handset sends an order request to the merchant computer, and receives a purchase instruction. The handset processes the message, and then sends a draw request message to a payment server. The payment server sends a debit message to debit the smart card. The handset validates the signature and debits the smart card. | 2010-09-16 |
20100235283 | FINANCIAL TRANSACTIONS USING A COMMUNICATION DEVICE - A computer implemented system provides a method of conducting a financial transaction. The method begins when the system assigns a designator of a value using a preauthorization by a payor. The system associates the payor with an authorized payor telephone identifier. When the system receives a telephone call with the authorized payor telephone identifier at a specified Direct Inward Dial (DID) telephone number associated with a transaction type, the system responds by sending at least one transaction code to the payor. When the system receives the transaction code from the payee, the designator of value is re-asssigned to from the payor to the payee. The system allows the transaction code to be delivered directly from the payor to the payee or sent automatically to the payee. Each DID telephone number represents different transaction types such as Automatic Teller Machine (ATM), Person-To-Person (P2P), merchant transactions, vending transactions and other types of transactions. | 2010-09-16 |