| 38th week of 2010 patent applcation highlights part 56 |
| Patent application number | Title | Published |
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| 20100241457 | NETWORK SERVER, CONTROL METHOD, AND MEDICAL NETWORK SYSTEM - A medical network system includes a terminal device for generating ordering information of a medical examination inclusive of personal information of a body, to place an examination order. A server apparatus is positioned at a central hospital as diagnostic service provider for the examination, for receiving the ordering information. A network server is positioned separately from the central hospital. The network server includes an order processor for receiving the ordering information from the terminal device. A communication device transmits the ordering information received by the order processor to the server apparatus. An information generating device deletes the personal information from the ordering information after transmission thereof, and creates index information for specifying the terminal device, the central hospital related to the examination order, and the ordering information received by the server apparatus. A request processor receives a data request of information from the terminal device. | 2010-09-23 |
| 20100241458 | SYSTEM FOR COMMUNICATION OF HEALTH CARE DATA - A system for transmitting healthcare data from a provider to one of a plurality of healthcare payers is provided. The system includes a routing system, and routing engine. The routing engine is in communication with at least one provider computer system and a plurality of healthcare payer computer systems. The routing engine is configured to receive uploaded healthcare data from the provider computer system send the data to one of the plurality of healthcare payer computers. | 2010-09-23 |
| 20100241459 | SYSTEM AND METHOD FOR TRACKING CONSUMER HEALTHCARE BEHAVIOR - A method of tracking healthcare consumer purchase behavior and attitudes, ibncluding recruiting a panel of patients suffering from a medical condition; collecting data regarding attitudes and demographics of said patients; collecting data regarding purchase behavior of said patients; correlating said data regarding attitudes and demographics of said patients to said data regarding purchase behavior of said patients; and making one or more assessments regarding a future marketing strategy. | 2010-09-23 |
| 20100241460 | Loss Mitigation - Included are embodiments for providing a loss mitigation instrument. At least one embodiment of a method includes providing, by a computing device, an interface for a party to a lease of property to apply for a loss mitigation instrument; receiving, by the computing device, information from the party to the lease regarding the lessee and the property; determining, by the computing device, terms for the loss mitigation instrument based on the received information, where the loss mitigation instrument is configured to provide for payment on a claim for default on a lease by the lessee, where the default results from a predetermined cause to the lessee; and providing, by the computing device, the loss mitigation instrument to the party to the lease. | 2010-09-23 |
| 20100241461 | Loss Mitigation Analysis - Included are embodiments for analyzing data for a loss mitigation instrument. At least one embodiment of a method includes receiving, by a computing device, information regarding a loss mitigation instrument application for a loss mitigation instrument, the loss mitigation instrument configured to facilitate payment in the event a lessee of the loss mitigation instrument application defaults on a lease payment due to a predetermined cause as defined in the loss mitigation instrument; receiving, by the computing device, general data regarding lessees and lessors to determine at least one piece of lease default information; receiving, by the computing device, specific historical data regarding the lessee; and determining, by the computing device, from the at least one piece of lease default information and the specific historical data regarding the lessee, a likelihood of the lessee defaulting on the lease, where the likelihood is utilized to determine whether the loss mitigation instrument application is accepted. | 2010-09-23 |
| 20100241462 | Loss Mitigation Fulfillment - Included are embodiments for fulfilling a loss mitigation instrument. At least one embodiment of a method includes receiving, by a computing device, an indication of a claim on a loss mitigation instrument, the loss mitigation instrument configured to facilitate payment in the event a lessee of a property defaults on a lease payment due to a predetermined cause to the lessee, as defined by the loss mitigation instrument; determining, by the computing device, whether the claim is related to a valid loss mitigation instrument; determining, by the computing device, whether the lessee has defaulted on the lease payment due to the predetermined cause, as defined by the loss mitigation instrument, which would be covered by the loss mitigation instrument; and in response to a determination that the lessee defaulted on the lease payment due to the a predetermined cause, as defined by the loss mitigation instrument, authorizing, by the computing device, payment pursuant to the loss mitigation instrument. | 2010-09-23 |
| 20100241463 | AUTOMATED INSURANCE SYSTEM - There is disclosed an automated management system ( | 2010-09-23 |
| 20100241464 | SYSTEMS AND METHODS FOR SENSOR-ENHANCED RECOVERY EVALUATION - Systems and methods are discussed for providing sensor enhanced safety, recovery, and movement evaluation systems. Sensors that monitor user activity and behavior are worn by a user and/or placed in the user environment. Data from the sensors are processed to obtain a safety, recovery, and/or activity evaluation. Based on the evaluation, recommendations or adjustments to the terms of an insurance policy covering the user, the user's employer, or a facility providing health care to the user to accurately reflect the risks associated with the user, employer, and/or facility. | 2010-09-23 |
| 20100241465 | SYSTEMS AND METHODS FOR SENSOR-ENHANCED HEALTH EVALUATION - Systems and methods are discussed for providing sensor enhanced safety, recovery, and activity evaluation systems. Sensors that monitor user activity and behavior are worn by a user and/or placed in the user environment. Data from the sensors are processed to obtain a safety, recovery, and/or activity evaluation. Based on the evaluation, recommendations or adjustments to the terms of an insurance policy covering the user, the user's employer, or a facility providing health care to the user to accurately reflect the risks associated with the user, employer, and/or facility. | 2010-09-23 |
| 20100241466 | CASH BALANCE PENSION ADMINISTRATION SYSTEM AND METHOD - A cash balance pension plan setup and administration system based on a server connected to a network and accessible by user devices via the network, includes: a plan set up module configured for set up of a cash balance pension plan from one of the devices via the network, the plan set up module having pre-defined plan provisions and being configured to cause the device to prompt a user to select among the pre-defined plan provisions and to receive the selections and to establish a new cash balance plan in accordance with the received selections. The system further has a calculation engine configured to use stored formulas and the received selections to perform calculations for implementation of the new cash balance pension plan and an administrator module for establishing and determining rights of one or more administrators accessing the system via the network. | 2010-09-23 |
| 20100241467 | SECURE COMMERCE AND ASSET/SUPPLY CHAIN MANAGEMENT SYSTEM - A Secure Commerce and Asset/Supply Chain Management system and method provides displaying, commerce, asset management, global logistics, Customs declaration and recycling services for any user at anytime, anywhere with available communication network. Wireless sensors/identifier/computer/communicators, 2D graphic identifier, artificial intelligent and pervasive network communication/computing technologies are used to provide a user/friendly space. The user can interact with the system with mobile/wearable devices, or with movements/sounds made by his/her body. Embedded invisible sensing/computing/communication modules and/or holistic 3D virtual computing can be used to enhance user's experience. Major components of the system include an Intelligent Display Unit (IDU, | 2010-09-23 |
| 20100241468 | System and method for measuring social capital index in an online social network - A system and method for measuring social capital index in an online social network has developed to measure competitive power, coherence, etc. with social capital index by a plurality of element (trust, integrity, solidarity, openness, importance, intimacy) towards specific network with each individual, and the whole network; to set up standards of route search in the social network map (GUI which expresses the social connection network as a graphic map); perform innovative services with obtaining asymmetric information of the link, the object of network analysis of the social connection network, and to establish a stable network. | 2010-09-23 |
| 20100241469 | SYSTEM AND METHOD FOR PERFORMING SOFTWARE DUE DILIGENCE USING A BINARY SCAN ENGINE AND PARALLEL PATTERN MATCHING - A system and method is provided for performing software due diligence review, which may include reviewing software for compliance and compatibility with software licenses, export regulations, or other compliance issues. In one implementation, the system may include a binary scan engine configured to analyze binary objects and extract dependency information identifying source code that may be associated with the binary objects. Upon identifying relevant source code, the system may use parallel pattern matching techniques to identify certain keywords in the source code and/or to match the keywords to text patterns that contain excerpts of language relevant to software due diligence. The system may then check for permissions and obligations associated with any matching relevant language to draw inferences regarding potential compliance problems. | 2010-09-23 |
| 20100241470 | SYSTEM AND APPARATUS FOR RAPID RECHARGING OF ELECTRIC BATTERIES - A system for rapid recharging of a battery includes a charging system including a first portion of a connector. A material exchange pipe is joined to the first portion. A pump passes battery materials through the material exchange pipe. A tank receives battery materials. A tank supplies battery materials. A vent pipe is joined to the first portion and is joinable to the receiving tank and to the supplying tank. A charge on battery material passing through the material exchange pipe is measured and a means receives data from the battery. A battery system includes a material level sensor. A data connection transmits the material levels to the receiving means. A material exchange pipe is joined to the battery and a second portion of the connector. A vent pipe is joined to the battery and the second portion where battery materials can be exchanged between the battery and charging systems. | 2010-09-23 |
| 20100241471 | INTEGRATION SYSTEM SUPPORTING DIMENSIONED MODELING SYSTEM - The disclosed inventions and embodiments relate to the propagation of information among workflow applications used by a design project such as a construction design project and the creation and use of dimensioned and animated models for such projects. The workflow applications may be extended to enable participation in the information sharing or the system may provide functionality external to the tools that facilitates the participation of the tools. Information from various sources, including the workflow applications and third party sources, can be represented and modeled in an animation system. Sometimes the propagation is enabled in part by a store of information that also enabled reuse and reporting. Information used and generated by the various workflow applications is kept consistent among the different workflow applications and among the different representations of that information. | 2010-09-23 |
| 20100241472 | ILLNESS SPECIFIC DIAGNOSTIC SYSTEM - A method for diagnosing diseases in human subjects and a computer system implementing the method. The novel method uses historical patient medical records to create tables, which are used by a medical center to determine what diagnostic test is associated with confirmation of a disease in question. The method provides nonparametric, retrospective, disease cohort, rank ordered, weighted concatenation tables, which are unique to a disease and specific to the medical center where they are created, with prospective application. The method is more efficient and effective than presently used methods. | 2010-09-23 |
| 20100241473 | METHOD OF MANAGING LIGHT ENERGY AND SYSTEM OF THE SAME - A system and method of managing light energy are provided. A detecting apparatus detects input information related to input light energy and environmental information related to efficiency of inputting light energy. Then, an analysis and management apparatus calculates, analyzes, classifies, manages or optimizes the input information and environmental information by predetermined parameters or rules, and determines whether to take a corresponding action according to results of analysis or management. Accordingly, drawbacks of prior arts, that the source of light energy cannot be handled accurately and difficulties in controlling and optimizing light energy persist, can be solved. | 2010-09-23 |
| 20100241474 | ASSEMBLY SUPPORT APPARATUS AND METHOD FOR ASSEMBLY SUPPORT - A assembly support apparatus for promotion of an information system, includes a memory for storing design information of the information system including information of a plurality of components necessary for the production of the information system; and a processor for generating instructions for procurement of the components in accordance with a process comprising; discriminating the components into those available as inventory items and those that need to be procured from the exterior on the basis of the design information stored in the memory, urging information of persons responsible to procure the component to be inputted in association with those components to be inputted in association with those components to be produced respectively, and generating instructions directed to the responsible persons for procurement of those components to be procured from the exterior respectively. | 2010-09-23 |
| 20100241475 | Digital Online Exchange - A method of dynamically pricing media content is operatively coupled to one or more clients over a network. The system dynamically adjusts prices of media content and delivers the media content to the clients that order the media content at a dynamically adjusted price. items using a processor based upon the category to which the item is assigned is disclosed. The price can be dynamically adjusted based on profit optimization. Alternatively or additionally, the price can be adjusted based to time between purchases. Further the system is capable or rewarding institutions for allowing members to access the system. | 2010-09-23 |
| 20100241476 | Apparatuses, Methods and Systems For A Volunteer Sponsor Charity Nexus - The present disclosure details apparatuses, systems and methods for providing a Volunteer Sponsor Charity Nexus. The Nexus enables volunteers, sponsors and charities to easily identify, connect, and coordinate with one another. The disclosed systems and methods collect profile data for volunteers, sponsors, and charities. The Nexus connects volunteers, sponsors, and charities, increasing the efficiency and effectiveness of charitable efforts. | 2010-09-23 |
| 20100241477 | DIMENSIONED MODELING SYSTEM - The disclosed inventions and embodiments relate to the propagation of information among workflow applications used by a design project such as a construction design project and the creation and use of dimensioned and animated models for such projects. The workflow applications may be extended to enable participation in the information sharing or the system may provide functionality external to the tools that facilitates the participation of the tools. Information from various sources, including the workflow applications and third party sources, can be represented and modeled in an animation system. Sometimes the propagation is enabled in part by a store of information that also enabled reuse and reporting. Information used and generated by the various workflow applications is kept consistent among the different workflow applications and among the different representations of that information. | 2010-09-23 |
| 20100241478 | METHOD OF AUTOMATING SECURITY RISK ASSESSMENT AND MANAGEMENT WITH A COST-OPTIMIZED ALLOCATION PLAN - A method of automating security risk assessment and management and corrective feedback with a cost-optimized allocation plan is disclosed. The method, operable in a computer system, includes presenting an on-line survey questionnaire and receiving, in response to the on-line survey questionnaire, a user-provided answer. The method further includes extracting data from the computer system and calculating, in response to the user-provided answer and the extracted data, a security risk. The method also includes producing, in response to the security risk, the cost-optimized allocation plan. The data and the user-provided answer are recorded in a data repository. The cost-optimized allocation plan is produced using a game-theoretical approach. The cost-allocation allocation plan includes changes to break even a cost differential of an expected cost of loss (ECL), and further assigns realistic market-oriented mitigation costs to each line of action for the user's computer or system. | 2010-09-23 |
| 20100241479 | SESSION MANAGER - According to one general aspect, a method may include acquiring, by a session manager, a list of active sessions. In various embodiments, each session may include a grouped plurality of sub-tasks that are configured to be sequentially performed in order to accomplish a business management task. In some embodiments, the method may include receiving a selection of one of the sessions to supervise. In one embodiment, the method may include retrieving a list of the at least one event listener(s) from a session context associated with the selected session. In another embodiment, the method may include receiving events generated by the session. | 2010-09-23 |
| 20100241480 | System and Method for Dynamic Manipulation of Data Describing User Availability - In one embodiment, a scheme is disclosed for processing data in relation to a user's availability. The data relates to one or more time slots identified as available or unavailable, each time slot having a start time and an end time as well as an availability status indicator. The scheme involves determining an earliest of start times and a latest of end times associated with the time slots, and storing only the earliest of start times and latest of end times for the user so as to condense the availability information on a user-by-user basis. | 2010-09-23 |
| 20100241481 | SERVICE OPERATION DATA PROCESSING USING CHECKLIST FUNCTIONALITY IN ASSOCIATION WITH INSPECTED ITEMS - In one embodiment, a system is provided for performing at least one service operation in association with at least one inspected item. The system includes a service data device configured for displaying at least one data screen including at least one checklist configured for operative use in connection with performance of the service operation on the inspected item, the data device being portable and being configured for processing at least one communication; a service administrator having at least one data storage medium configured for storing at least one of the checklists displayed on the data device, the service administrator further having at least one server for enabling at least one communication between the service administrator and the data device; at least a portion of at least one of the checklists being customizable by at least the service administrator; and, at least a portion of at least one of the checklists being electronically interactive in association with performance of the service operation on the inspected item. | 2010-09-23 |
| 20100241482 | WORKFLOW MANAGEMENT SYSTEM - A network clearinghouse may be provided that brings together organizations (subjects) requiring outsourcing of a service and service providers (operators). The clearinghouse manages the bidding and awarding of contracts, by collecting and authorizing requests for proposals (RFPs), sending bid invitations to operators that meet the requirements of the subject, sending a notification that the contract has been awarded, and collecting payment from the subject and paying the operator. | 2010-09-23 |
| 20100241483 | METHOD FOR IMPROVED MANAGEMENT OF USER EVENTS SCHEDULED DURING A USER ABSENCE PERIOD - A solution for improved management of user events scheduled during a user absence period a determination module configured to determine a user absence period having a start date and an end date. A detection module configured to detect a new user event scheduled during the user absence period. A reporting module configured to report statistics on the new user events. A response module configured to automatically respond to the new user event scheduled during the user absence period, the new user event scheduled after the user absence period is defined. A definition module configured to define the user absence period having a start date and an end date. A search module configured to search two or more calendaring repositories for a scheduled user event having a start/end date during the user absence period, and a presentation module configured to present to the user the scheduled user event. | 2010-09-23 |
| 20100241484 | System and Method to Provide Consumables - System and method for providing consumables to machines. In one embodiment, machine data indicating a remaining quantity of a machine consumable for a machine may be received by a server. A location may be received by the server providing a location of the machine. An estimated operational duration for the machine may be determined and a supplier may be selected to provide the machine consumable based, at least in part, on the estimated operational duration. The supplier may be requested to provide the machine consumable to the machine within a time period based on the estimated operational duration. | 2010-09-23 |
| 20100241485 | Claims Based Factory Pattern for Creating Objects - A claims-based factory pattern is described for creating objects on an application server. The pattern extends the functionality of factories to include the operations of staking a claim to creating particular objects and re-evaluating their claim in light of other factories staking claims. A process to create an object includes checking all registered factories to see whether they are willing to stake a claim. The claims are then compared to select a factory having the highest claim. If two or more factories have the same claim, they are asked to re-evaluate the claim by providing them information regarding other factories that have also staked a claim. Once the factories have re-evaluated their claims, their number can be reduced to a single factory that will be used to create the object. Alternatively, if no factory can be singled out, the caller can be informed of the deadlock. | 2010-09-23 |
| 20100241486 | REDUCING REVENUE RISK IN ADVERTISEMENT ALLOCATION - Methods, systems, and apparatuses are provided for selecting advertisements in an advertisement auction. A plurality of bids for an advertisement placement is received. An average expected payout for each bid of the plurality of bids is calculated to determine a plurality of average expected payouts. A plurality of possible allocations of the advertisements is determined. An expected revenue value for each of the possible allocations is calculated based on the calculated average expected payouts to generate a plurality of expected revenue values. A risk value is calculated for each of the possible allocations to generate a plurality of risk values. A bid of the plurality of bids is enabled to be selected based on the calculated expected revenue values and risk values. | 2010-09-23 |
| 20100241487 | SYSTEMS AND METHODS FOR DEPOSIT PREDICTIONS BASED UPON TEMPLATE MATCHING - Systems and methods may be provided for deposit prediction based upon template matching. The system and methods may include receiving deposit information associated with a plurality of deposits for a deposit account of a financial institution customer, where the deposit information includes a plurality of deposit amounts, and a respective date associated with each of the plurality deposit amounts; identifying, based upon the received deposit information, one or more deposit patterns by applying one or more template patterns to the deposit information and determining that one or more of the applied template patterns match at least a portion of the deposit information; and generating an indication of the identified one or more deposit patterns. | 2010-09-23 |
| 20100241488 | Educational website - The educational website is a web-driven social network that aggregates content from other sites, the content being of interest to a niche category of users. The website registers site users while collecting demographic and geographic information associated with each user. Customized user permissions over the website are allocated based on the demographic and geographic information collected. The website serves the aggregated content on at least one web page accessible to a user's display device. Advertising is delivered to the users based on the user demographic information, geographic information and permissions. In one particular embodiment, the website aggregates news items. Students and teachers are registered. The website accepts student posted comments and reviews about the news items. Advertising is targeted to the students and teachers based on their demographic and geographic information. Advertisements can be categorized as display or print and delivered to the users accordingly. | 2010-09-23 |
| 20100241489 | SYSTEM FOR CROSS-INTEGRATION OF CONSUMER LOYALTY PROGRAMS AND METHODS THEREOF - Embodiments of the present invention relate to a system for cross-integrating consumer data from separate consumer loyalty programs to create an aggregated consumer record and methods thereof. In one embodiment of the present invention, a method for cross-integrating consumer loyalty programs comprises obtaining a first set of consumer data on a consumer from a first reward partner, obtaining a second set of consumer data from the consumer, aggregating the first set of consumer data and the second set of consumer data in a database, creating an aggregated consumer record in the database from the aggregated data, and providing access to the aggregated consumer record to the first reward partner. | 2010-09-23 |
| 20100241490 | EVALUATING EXTENDED SUPPLY CHAINS - Techniques described herein generally relate to evaluating extended supply chains. In an embodiment, supply chains may be evaluated by efficiently linking current, past, and/or upcoming consumer demand signals to the supply chain. The evaluated supply chains may be extended supply chains, e.g., at select points along supply chains. Other embodiments are disclosed and claimed. | 2010-09-23 |
| 20100241491 | Dynamic Pricing of Items Based on Estimated Demand For the Item - A method of dynamically adjusting prices of items using a processor based upon the demand for the item based upon offering the item at different prices during different time periods. | 2010-09-23 |
| 20100241492 | Dynamic Pricing of Items Based on Cross-Price Effects on demand of Associated Items - A method of dynamically adjusting prices of items using a processor based upon the cross-price effects on demand of associated items based upon offering the associated items at different prices during different time periods. | 2010-09-23 |
| 20100241493 | COMPUTERIZED VOTING SYSTEM - Any business, individuals, groups of people, or government that is Officially facilitating the voting process use sources of computer data and other data to create lists of every eligible Voter. The List of Eligible Voters contains the name and physical mailing address for each Voter. The Official host then arranges for printing of mailing envelopes containing specially designed ballots to the Voters. Each MASTER Ballot has two parts—a PRIMARY Ballot and at least one RECEIPT Ballot. For each MASTER Ballot, both the PRIMARY Ballot and RECEIPT Ballot(s) share an identical, unique group of symbols as a correlating identifier. The identifier (RSID) is randomly generated to be unique and rare, so as to make any ballot difficult to counterfeit. To maintain privacy, before voting, Voters exchange ballots any number of times within a voting region. Ballot validation prior to exchange is performed in person, by telephone, fax or Internet. Completed PRIMARY Ballots are mailed or otherwise delivered via Internet, Telephone, Fax or Email to Official host on or before the due date for verification, recording, tallying and publication. By referring to any RECEIPT Ballot having the same the unique RSID as the PRIMARY Ballot, any Voter can use a telephone or a computer connected to the Internet to enquire, verify or report errors as to processing of their PRIMARY Ballot, or published tallies of ballot votes or other information published. After voting is completed, Officials publish a list of all the Ballot Voting RSID's, so that anyone can verify any Ballot, Voter selections Ballots, the tally for each Ballot, etcetera. The Voting System may optionally be supported by physical ballots (paper, plastic, etc.) for immutable secondary verification of electronic votes; thus providing a transparent, verifiable audit trail to assure completeness, accuracy and validity of the Voting Session. | 2010-09-23 |
| 20100241494 | METHODS, SYSTEMS AND COMPUTER READABLE MEDIA FOR SELECTING AND DELIVERING ELECTRONIC VALUE CERTIFICATES USING A MOBILE DEVICE - Methods, systems, and computer readable media for selecting and delivering an electronic value certificate to a mobile device are disclosed. According to one aspect, the method includes utilizing a certificate selection device to generate electronic certificate selection information and providing the electronic certificate selection information and associated recipient data to a merchant server. From the merchant server, electronic value certificate data derived from the certificate selection information is received. The method also includes establishing a communications link with a mobile device corresponding to the recipient data. The electronic value certificate data is provisioned on the mobile device over the communications link via over the air (OTA) communications. | 2010-09-23 |
| 20100241495 | OFFLINE CASHBACK ADVERTISEMENTS - Embodiments of the present invention relate to systems, methods and computer storage media for providing an advertisement to a consumer in an online environment for utilization in an offline environment. The offline utilization of the coupon by the consumer allows for an amount owed to an advertisement-service provider by a merchant to be reduced. The advertisement-service provider provides, for a fee, advertising services for the merchant, which includes presenting a coupon to the consumer in an online environment. The consumer is presented with the coupon by the advertisement-service provider on behalf of the merchant. In one embodiment, the consumer stores the coupon for later redemption in an offline environment. The consumer purchases goods or service in an offline environment utilizing the coupon. The advertisement-service provider reduces an amount the merchant owes as a result of the consumer's offline redemption of the coupon. | 2010-09-23 |
| 20100241496 | TIME AND WAYPOINT-BASED INCENTIVES FOR MOBILE DEVICES - The subject matter disclosed herein relates to a system and method for influencing behavior of a user of a mobile device. A determination may be made regarding whether a mobile device is within an area associated with one or more predefined waypoints. An incentive may be provided to the mobile device based at least in part on a location of the mobile device to influence behavior of a user of the mobile device. | 2010-09-23 |
| 20100241497 | Method, system and computer software for advertisement, using symbols as characters interface - This paper describes a method, system and a computer software invention for advertising using advertisement material as symbol characters. This invention describes the advertisement method, system and computer software for all types of media. Media may be newspapers, magazines, publications or any type of typed or written (text and graphical based) material. The advertisement method, system and computer software may be used on web sites using any Internet browser interface. This method of advertising is done by inserting advertisement symbols in any desired place within the media page or pages. The advertisement symbols may also replace typical text or graphic characters (ASCII format or any type of image format) in the media page or pages. Advertisement symbols may replace typical textual contents like periods (dots), comas, or any other type of textual or graphical contents. Advertisement symbols may be inserted anywhere in the written material. | 2010-09-23 |
| 20100241498 | DYNAMIC ADVERTISING PLATFORM - Computer-readable media and computer systems for managing an ad campaign based on foreseeable, but not necessarily certain future events. An advertiser can configure a campaign trigger definition corresponding to an advertising campaign such that upon occurrence of a trigger event defined therein, an operation is performed corresponding to the campaign. A crawler references the campaign trigger definition and identifies information sources from which to retrieve information about a specified trigger event. Upon retrieving event information, an analysis module determines whether the information indicates an occurrence of the trigger event. Incident to identifying an occurrence of a trigger event, an ad campaign can be initiated or modified. | 2010-09-23 |
| 20100241499 | Moneymail - This patent refers to a $MoneyMail™ System Email Service Provider, Database Development, Social Networking Applications and Direct Marketing Engine. The $MoneyMail™ system amalgamates two Prior Arts, email service provider (ESP) and direct email marketing service. The $MoneyMail™ users are generously compensated for receiving and viewing admail. The $MoneyMail™ system ensures that all advertisers admail will successfully reach the user, whereas, other ESPs have many SPAM blocking systems in place that cause mail to be ‘bounced’. The users that receive admail are selected from a comprehensive database dependant upon the advertisers' search criteria. The $MoneyMail™ system compensates users only upon opening and viewing the admail. The advertiser will be refunded for any admail that goes unviewed for a specified period of time. | 2010-09-23 |
| 20100241500 | METHOD AND SYSTEM FOR INCENTIVIZING AN ACTIVITY OFFERED BY A THIRD PARTY WEBSITE - A system for incentivizing an action offered by a third-party website. To this end, the system includes a host website comprising an offering module configured to display an incentive for taking an action on the third-party website. The host website further includes a user interface module configured to register users as participants, and accept inputs from the participants. In addition, a reporting module receives a report of an action on the third-party website and the identity of the participant taking the action. Further, an incentive calculation module present on the host website calculates an incentive applicable to the identified action and provides information regarding the calculated incentive. Moreover, a data storage module is configured to assemble, store, retrieve, and process information regarding the participant and the third-party website action. | 2010-09-23 |
| 20100241501 | METHOD AND SYSTEM FOR TRACKING AND PROVIDING INCENTIVES FOR TASKS AND ACTIVITIES AND OTHER BEHAVIORAL INFLUENCES RELATED TO MONEY, INDIVIDUALS, TECHNOLOGY AND OTHER ASSETS - Methods and systems for altering behavior in a variety of applications include recording information associated with an event related to a particular activity or field, determining a status of the event in connection with a rewards algorithm, calculating reward information in accordance with the rewards algorithm, and storing the calculated reward information. A recipient is notified in accordance with a notification algorithm of the calculated reward information. Incentives may be provided for participation in services plans, including professional services plans such as legal plans, adoption and use of types of funds, accounts and funds transfers, use of online services, and numerous other services. Rewards include the receipt of professional services and membership in services plans. Incentives for entering into transactions include offering of related services, including identity theft related services for events related to the transaction. Methods and systems for entering transactions include receiving first transaction request information from a transaction party in a first mode, prompting the transaction party for second transaction request information to be provided in a second mode, if the second transaction information is received in a suitable manner, then entering into the transaction, and otherwise terminating the transaction. | 2010-09-23 |
| 20100241502 | METHOD AND APPARATUS FOR PROCESSING CREDIT CARD TRANSACTIONS - Systems and methods are disclosed whereby credit and debit card transactions are processed at a merchant point-of-sale terminal in a manner that provides customers the opportunity to receive one or more charge enhancement offers which are presented to the customer on a record of charge. | 2010-09-23 |
| 20100241503 | Digital Signage System And Display Terminal - A digital signage system according to the present invention has: a server that distributes content information for an advertisement and the like; and one or more display terminals that are provided with a touch panel and that receive the distributed content information to be displayed on the touch panel. The display terminal displays a questionnaire screen on the touch panel, accepts a response to the questionnaire inputted by an accesser by operating the touch panel, and sends the result of the response to the server. The server receives the result of the response. | 2010-09-23 |
| 20100241504 | Method of Rewarding On Time Bill Payment - A rewards system for bill paying users which provides rewards for paying their bills on time or early to product vendors and service providers. The system tracks payments of subscribing users to subscribing vendors and service providers and issues rewards to users paying on time or a designated amount of time before the due date of an on time payment. | 2010-09-23 |
| 20100241505 | INK CARTRIDGE VENDING MACHINE - A vending machine capable of refilling used ink cartridges as well as dispensing filled ink cartridges is closed. The vending machine includes at least one cartridge receptacle for receiving an ink cartridge, a user interface, a display unit, a nozzle health check module, a printhead servicing module, an ink reservoir, an ink refilling unit, a compartment containing new ink cartridges, a compartment containing filled, second-hand ink cartridges, and a recycle compartment for receiving discarded ink cartridges. The user is presented by the display unit with the option of (a) refilling a used cartridge, (b) purchasing a filled cartridge, or (c) returning a used cartridge in exchange for a purchase rebate or a discount voucher. When the user selects the option of refilling, the vending machine executes a refilling subroutine which includes checking the nozzle health. | 2010-09-23 |
| 20100241506 | METHOD AND SYSTEM FOR PROVIDING INTERNET ADVERTISEMENT - Provided is a method for providing Internet advertisement. The method provides a plurality of individual Internet advertisements included in an advertisement pool which is configured with a plurality of advertisement groups ‘G | 2010-09-23 |
| 20100241507 | System and method for searching, advertising, producing and displaying geographic territory-specific content in inter-operable co-located user-interface components - A network-based, integrated advertising and data searching system, and method for implementing the system, the system enhances the advertising exposure probability of transaction-enabling, associative discernible content ‘ADC’ elements proximately arranged on a website by storing, accessing and displaying transaction-enabling ADC element-related files in accordance with search criteria which matches geographic-territory specific data-files and optionally matches, category or subject data-files. The ADC element-related files are configurable for display in one or more groupings or word-cloud like arrangements within a single user interface or webpage, and in one embodiment, display one or more transactionable offerings, for a product, service or activity associated with at least one advertiser/seller according to user-specified criteria, or in response to input made via a user input device in communication with browser-equipped apparatus. The ADC elements are co-locatable with inter-operable, and selectable co-locatable software application tools ‘CSATs’, and with selectable search user interface elements. | 2010-09-23 |
| 20100241508 | Delivery of Advertisements in Mobile Advertising System - Disclosed is a method and an advertising system for delivering advertisements in a mobile communication network. The method comprises detecting a need to deliver an advertisement, and arranging said delivery such that one or more indicators of advertisement behaviour specific to individual recipients of advertisements and/or to the overall system are taken into account, delivery of advertisements in mobile advertising system. | 2010-09-23 |
| 20100241509 | ADVERTISEMENT INFORMATION DELIVERY / DISPLAY METHOD, ADVERTISEMENT INFORMATION DELIVERY / DISPLAY SYSTEM, AND COMPUTER PROGRAM - An advertisement information delivery/display method in an advertisement information delivery/display system which is included in a network and which comprises: a server system which can deliver advertisement information; and a terminal apparatus comprising a displaying device which can display the delivered advertisement information, said advertisement information delivery display method is provided with, in the server system, a first delivering process of delivering a plurality of advertisement information through the network to the terminal apparatus; a second delivering process of delivering a plurality of display schedules for defining display aspects of the plurality of advertisement information through the network to the terminal apparatus; in the terminal apparatus, a reproduction information obtaining process of obtaining reproduction information for specifying one display schedule to be selected of the delivered plurality of display schedules; a display schedule selecting process of selecting the one display schedule from the delivered plurality of display schedules on the basis of the obtained reproduction information; and a display controlling process of controlling the displaying device to display at least one portion of the delivered plurality of display schedules in accordance with the selected display schedule. | 2010-09-23 |
| 20100241510 | Method and Apparatus for Monitoring Effectiveness of Online Advertisement - A method and a system monitor the effectiveness of an online advertisement with improved accuracy. The method analyzes a request for visiting a target webpage, determines whether the request is from an advertisement website, and extracts from the request a monitored target identifier if the request is from an advertisement website. The method further obtains a user identifier according to the request, and records a tracking data containing the monitored target identifier and the user identifier. Upon occurrence of an advertisement effect monitoring event, the method finds a recorded tracking data containing the monitored target identifier and the user identifier associated with the event, and records an effective data of advertisement effect based on the tracking data and/or information of the advertisement effect monitoring event. | 2010-09-23 |
| 20100241511 | METHOD AND SYSTEM FOR ESTABLISHING A RESERVE PRICE FOR A PUBLISHER'S AD SPACE INVENTORY OFFERED VIA A REAL-TIME BIDDING MARKET - Methods and systems for establishing a reserve price for a publisher's ad space inventory offered via a real-time bidding market are disclosed. In some embodiments, a certain percentage of traffic (e.g., ad requests) received at an ad market server are redirected to one or more external networks, such as ad networks, for processing. The performance of the redirected ad requests is analyzed to determine an expected clearing price for the ad requests. The expected clearing price of a particular ad request corresponding to a particular ad space, if greater than a publisher-established reserve price, is used as a market reserve price when presenting the ad requests in a real-time bidding market. | 2010-09-23 |
| 20100241512 | METHOD OF PROVIDING A SHARED VIRTUAL LOUNGE EXPERIENCE | 2010-09-23 |
| 20100241513 | SYSTEM AND METHOD FOR FRANCHISE PROMOTION - A method and system for franchisees to author, produce, and/or distribute preapproved marketing materials are disclosed. In some aspects, a franchisor can install various data relating to a franchise into a system. The data can comprise content and rules for preapproved promotion. The data can also include information relating to franchisees such franchisee locations, marketing and/or demographic information relating to customers, and/or other characteristic information. With the system, a franchisee can select a form and/or media for a preapproved promotion that can be limited using predetermined rules. In various embodiments, a franchisor can input specifications for preapproved promotion products and can authorize preselected franchisees to author a preapproved promotion and/or distribute media in the promotion to preapproved market recipients. The scope of content and/or distribution can depend on the franchisee, on a geographic and/or demographic limitation, and/or on various other parameters. Various embodiments offer a preapproved cooperative promotion to franchisees. | 2010-09-23 |
| 20100241514 | AUTOMATED PROVISION OF USER FEEDBACK - A system described herein includes an information provider component that uses at least one information providing algorithm to transmit data for display on a display screen of a user, wherein the data corresponds to a geographic location. The system also includes a receiver component that receives an indication from a mobile device of the user that the user has travelled to the geographic location. The system further includes an updater component that causes the at least one information providing algorithm to be updated upon the receiver component receiving the indication. | 2010-09-23 |
| 20100241515 | System and Method for Attention-Grabbing Display Results for Sponsored Online Advertising Campaigns - A method for creating a stylized online advertisement for sponsored search web pages using a stylized catch phrase. An advertiser is presented an interface for composing the advertisement wherein the interface for composing includes capturing the text of a catch phrase together with a description of a style or styles to be applied to the catch phrase. Applying the styles results in creating a stylized catch phrase which is then subjected to tests and/or editorial reviews, resulting in approving the stylized catch phrase for use in the context of the online advertisement. The stylized advertisement is composited together with search results, and the composite is then transmitted, thus delivering the stylized online advertisement impression. The tests and editorial reviews include tests and previews for managing how the stylized advertisement will look when rendered on different screens (e.g. a large computer monitor, a small monitor a smart phone or other device). | 2010-09-23 |
| 20100241516 | EDITING INTERFACE - Systems and methods for editing online advertising campaigns from a summary interface. A summary interface can be provided. The summary interfaces shows filed fields associated with one or more advertising campaigns in a view mode. Upon receipt of a request to edit one or more of the fields, the summary interface transitions to an edit mode for editing of the selected fields and editing of hidden fields that are associated with the selected fields and that are not displayed in the view mode. | 2010-09-23 |
| 20100241517 | SYSTEMS AND METHODS FOR APPROVING OR DENYING A PLURALITY OF ITEMS SOLD USING TRANSACTIONAL DATA RELATED TO PRODUCT AND SERVICE SALES - Systems and methods for capturing and managing information from a plurality of individual items sold in a commercial transaction between a consumer and a merchant can include capturing, at a point-of-sale, transactional data for the a plurality of individual items sold during the transaction. The transactional data can include item identification information for each of the a plurality of individual items sold. The transactional data can further be used to authorize the transaction. | 2010-09-23 |
| 20100241518 | TRANSACTION AUTOMATION AND CLIENT-SIDE CAPTURE OF FORM SCHEMA INFORMATION - A method and apparatus that allows a computer system to automatically navigate through a plurality of webpages is provided. A plurality of webpage objects are provided with each webpage object corresponding to a webpage having at least one input. Each webpage object has form completion data providing instructions how to successfully provide the inputs requested by the corresponding webpage and navigation action data indicating an action to be taken to navigate to a next webpage in the transaction series. In operation, a webpage is checked against the plurality of webpage objects and if the webpage corresponds to one of the webpage objects, the form completion data contained in the webpage object is used to properly provide the requested inputs on the webpage. Once the necessary inputs have been provided, the navigation action data is used to navigate | 2010-09-23 |
| 20100241519 | SYSTEMS AND METHODS FOR CAPTURING AND MANAGING TRANSACTIONAL DATA RELATED TO PRODUCT AND SERVICE SALES - Systems and methods for capturing and managing information from a plurality of individual items sold in a commercial transaction between a consumer and a merchant can include capturing, at a point-of-sale, transactional data for the a plurality of individual items sold during the transaction. The transactional data can include item identification information for each of the a plurality of individual items sold. The transactional data can further be used to authorize the transaction. | 2010-09-23 |
| 20100241520 | SYSTEMS AND METHODS FOR STORING TRANSACTIONAL DATA RELATED TO PRODUCT AND SERVICE SALES - Systems and methods for capturing and managing information from a plurality of individual items sold in a commercial transaction between a consumer and a merchant can include capturing, at a point-of-sale, transactional data for the a plurality of individual items sold during the transaction. The transactional data can include item identification information for each of the a plurality of individual items sold. The transactional data can further be used to authorize the transaction. | 2010-09-23 |
| 20100241521 | SYSTEMS AND METHODS FOR ACCESSING AND MANAGING FROM A CUSTOMER ACCESS POINT CAPTURED TRANSACTIONAL DATA RELATED TO PRODUCT AND SERVICE SALES - Systems and methods for capturing and managing information from a plurality of individual items sold in a commercial transaction between a consumer and a merchant can include capturing, at a point-of-sale, transactional data for the a plurality of individual items sold during the transaction. The transactional data can include item identification information for each of the a plurality of individual items sold. The transactional data can further be used to authorize the transaction. | 2010-09-23 |
| 20100241522 | CHECKOUT TERMINAL APPARATUS - A checkout terminal apparatus includes an apparatus body, an operation unit provided in the apparatus body and adapted for inputting transaction information of an article, and a cover member which is removably attached to the apparatus body according to need and covers at least the operation unit. | 2010-09-23 |
| 20100241523 | METHOD AND SYSTEM FOR LEAD AUCTION - Systems and methods for a managing entity to provide a marketplace approach for matching leads with sales associates, and to determine the percentage of commission a sales associate may be willing to pay for the option of exploring and following-up on the lead are disclosed. An option percentage of commission may not be payable in advance by the sales associate to the lead, and may be provided in the form of a promise to pay a percentage of the sales associate's commission, or other amount certain, upon a successful conclusion of a transaction with the lead. A referral commission may also be owed by the party winning the bid to the management entity. | 2010-09-23 |
| 20100241524 | DIGITAL MEDIA ARCHIVE COLLECTIBLE DEFINED BY VARIABLE COLLECTABILITY ATTRIBUTES - A system, sometimes called ShakyPlanet™ presents a collection of interactive digital objects, one of which is sometimes called ShakyGlobe™. The presented digital objects may be part of a series of eCollectibles™. A specialized and centralized communication and database system, sometimes called ShakyStore™ offers the sale of objects to buyers qualifying on the basis of various variables, such as being within a predefined geographic area or issuing a purchase request within a predefined time period. Additional conditions to purchase may include a willingness to pay more than standard established costs, purchasing before all units are sold and submission to the terms of sale that facilitate the collectable attributes of the objects. Each object is uniquely marked to identify its owner by registration with the communication and database system, which is the sole authority for the transfer ownership of the objects, the recording of ownership changes and for the authentication of the objects. | 2010-09-23 |
| 20100241525 | IMMERSIVE VIRTUAL COMMERCE - An immersive virtual store can be presented to a user that allows the user to navigate through the store in a manner similar to a physical store. The presented virtual store can allow the user to travel along aisles, stop and browse items at a table of a vendor, as well as perform searches for different items. Items of the store can be arranged in a manner that facilitates purchase and feedback of the arrangement can be collected and used in other arrangements. | 2010-09-23 |
| 20100241526 | UNIFIED CLASSIFICATION APPROACH FOR DIFFERENT TYPES OF ITEMS IN ENTERPRISE PROCUREMENT CATALOGS - Particular embodiments provide an order procurement application to allow users to search for items in an order procurement catalog. A classification of items in the order procurement catalog is determined. A plurality of different types of items are classified. The different types may be characterized by different methods of ordering that are needed to order an item of the type. During searching, a query for the order procurement catalog may be received. A classification position may be determined based on the query. For example, a node in a hierarchy may be determined. Ancestor and descendant positions in the classification may also be determined, such as ancestor and descendant nodes for the current node. A plurality of items is then determined for the classification position, ancestor position, and descendant position. The plurality of items that are determined may then be displayed to a user in response to the query. | 2010-09-23 |
| 20100241527 | TRANSACTION MANAGEMENT SYSTEM IN A MULTICAST OR BROADCAST WIRELESS COMMUNICATION NETWORK - The reverse path transaction management system enables the subscriber to receive a multicast on their wireless subscriber device via the forward path of a multicast channel or via a unidirectional broadcast channel concurrently with a plurality of other subscribers on the same multicast channel or broadcast channel. The subscribers can simultaneously initiate a transaction to purchase goods and/or services via the reverse path associated with the shared multicast channel or via a separate cellular communication connection associated with the broadcast channel. Typically, goods and/or services are offered to the subscriber as part of the multicast extant on the shared forward channel. | 2010-09-23 |
| 20100241528 | ANTI-COUNTERFEITING SYSTEM AND METHOD - An online auction website has anti-counterfeiting measures. The website requires a seller of an item to input information about the product for sale, including at least a brand of the product and a product identification code. If the brand code and product identification code are not entered, the website does not allow the seller to post the item for sale. If entered, the brand and the product identification code are included in the listing on the online auction webpage that advertises the product for sale during the auction period. Verification may be performed on the item to determine its authenticity. The verification process includes comparing the listed brand and product identification codes with a plurality of authentic brand and product identification codes. When the brand and product identification codes are determined to be counterfeit, the listing is terminated and the sale of counterfeit items is prevented. | 2010-09-23 |
| 20100241529 | CONTENT TRANSACTION METHOD AND SYSTEM - Content transaction method and system are disclosed. The method includes: searching, by a first mobile terminal, for at least one mobile terminal to perform a short-range wireless communication; performing, by the first mobile terminal, a connection with the searched at least one mobile terminal for the communication; receiving, by the first mobile terminal, a list of content for sale from the connected at least one mobile terminal; requesting. from a second mobile terminal storing content to sell, the content by the first mobile terminal; receiving, by the first mobile terminal, the requested content that is requested from the second mobile terminal; and accessing a payment server by the first mobile terminal and the second mobile terminal to transmit content transaction record information. | 2010-09-23 |
| 20100241530 | INTERACTIVE JOB CHART - A machine for tracking job completion is disclosed. The machine for tacking job completion includes a software program installed on a memory that is coupled to a microprocessor. The software instructs the microprocessor to store data assigned to participants, jobs and rewards. In a particular embodiment the participants are children and jobs are assigned to them by their parents. Children can earn points by completing jobs. Children can trade the earned points for rewards. Parents use the assigned jobs and the rewards available to teach responsibility and work ethic, and to accurately track job completion and reward allowance. | 2010-09-23 |
| 20100241531 | Secure Item Purchasing And Fraud Avoidance System - The invention is a system supporting a payment and inspection service used to securely purchase merchandise on an online sale website. A buyer or seller can select using the payment and inspection service. The buyer pays the payment and inspection service, which holds the payment in an escrow account. The seller ships the item to a store where the payment and inspection service is located. The buyer goes to the store and, while being monitored by an agent or employee of the service, the buyer inspects the merchandise. If the buyer accepts the item, he leaves the store with the item and the service releases the payment from the escrow account to the seller. If the buyer does not want to accept the item (he rejects the item), the item is then repacked and returned to the seller, and the service returns the payment, less cost of shipping the item back to the seller, to the buyer. | 2010-09-23 |
| 20100241532 | SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR THIRD-PARTY AND FOURTH-PARTY LOGISTICS - The present invention provides a system and method for managing supply chain, goods handling, and logistics services for third-party and fourth-party logistics providers (asset-based and non-asset based). The invention provides logistics provider(s) with the functionality to manage and organize multiple supply chain service providers, and the services they provide, in order to maximize efficiency and profit and minimize cost to the customer(s) of the logistics provider(s). | 2010-09-23 |
| 20100241533 | Tax data validity documentation - A method and a system for data validity documentation are provided. The method may include receiving a number of data objects. The method may also include creating a number of event histories related to one or more data objects. One or more attachment documents may be associated with each one of multiple EH records of the event histories. | 2010-09-23 |
| 20100241534 | SYSTEM AND METHOD FOR REPORTING QUALIFYING PURCHASES - A method for reporting qualifying purchases is disclosed. The method comprises processing a purchase. The processing comprises storing a card number, a transaction identifier and at least one item identifier. The method further comprises matching the card number with a list of card numbers associated with participating card holders; assigning a customer number corresponding to the card number to conceal the card number; associating the transaction identifier and the at least one item identifier with the customer number; determining, for each of the at least one item identifier, whether the item identifier corresponds to a qualifying purchase; and transmitting each item identifier corresponding to a qualifying purchase to a third party. | 2010-09-23 |
| 20100241535 | ACCOUNT ACTIVITY ALERT - An alert recipient receives an account alert after an account activity satisfies criteria of an alert rule. The account alert may be triggered by the usage of a consumer identifier with any of: an application for a new account, an account activation request, or an account usage. To illustrate, a fraudster may utilize the consumer identifier in an application to open a new account, to activate an issued prepaid account, or conduct a transaction on an activated issued prepaid account. Data from the account application, activation, or transaction may be sent to a host that compares the data against the criteria of an alert rule. If the criterion is satisfied, the account alert is sent to the account recipient. The account recipient may required to respond to the alert in order to permit the activity that is the subject of the account alert. | 2010-09-23 |
| 20100241536 | ELECTRONIC SETTLEMENT METHOD AND ELECTRONIC SETTLEMENT DEVICE - A method by which an electronic settlement device electronically transfers the monetary value of a predetermined amount from a first account to a second account comprises a first step (S | 2010-09-23 |
| 20100241537 | DEBT SALES SYSTEM AND METHOD - A system and method for transferring credit accounts over a network include steps and means for receiving search criteria from a user, searching a credit account database for available credit accounts based on the search criteria, providing results of the searching to the user, the results including a summary of available credit accounts and a purchase price for each available credit account, receiving a selection of at least one of the available credit accounts from the user, calculating a total purchase price for the selected at least one of the available credit accounts, receiving a purchase request from the user corresponding to the selected at least one of the available credit accounts, providing an invoice to the user for the total purchase price, receiving a payment from the user in response to the invoice; and in response to the received payment, removing the selected credit accounts from the credit account database. | 2010-09-23 |
| 20100241538 | METHODS AND SYSTEMS FOR AUTOMATED GENERATION OF BILLS - The present invention provides methods and systems for processing bills electronically. Generally, a bill is created for a customer using billing information and master data from a biller and master data from a customer. Billing information is received from the biller by a first processing module having access to the master data of the biller. The first processing module generates a bill using the billing information and the master data of the biller. A second processing module having access to the master data of the customer provides customer data to the first processing module. The bill is transformed into a format specified in the master data of the customer by the first processing module if the format of the generated bill is not the format specified in the master data of the customer. The generated or transformed bill is transferred to the second processing module by the first processing module. | 2010-09-23 |
| 20100241539 | Method and system of managing a borrower's loan obligations - A method, management system, and management information system operated and maintained by a borrower for the plurality of its loan obligations in the form of a computer software system and database wherein the a borrower's loan transactions are recorded in the system and retained in the database for the plurality of its loans while exporting accounting entries to the borrower's other financial systems. Periodic interest is calculated by the system for verification against the lender's calculation. Payments of principal, accrued interest and escrow amounts are calculated and initiated for payment to a borrower's plurality of lenders by the system. The system retains a current balance for outstanding principal balance, accrued interest, escrow accounts, lender's commitment to lend and remaining interest reserve for each of a borrower's loan obligations. The system manages every practical method of loan servicing as commonly practiced in real estate lending and other industries. | 2010-09-23 |
| 20100241540 | METHODS FOR PROVIDING STAND-IN SERVICES FOR TRANSACTION CARD CUSTOMIZATION - The present invention is directed to methods for billing a transaction card applicant for the cost of a new customized transaction card as a stand-in service on behalf of a transaction card issuer. In some embodiments, the method comprises the steps of: (a) sending an approved customized transaction card image of an applicant to a database of the transaction card issuer; (b) sending information about the applicant and the cost of the new transaction card to a transaction formatter; (c) reformatting the information to produce a billing authorization record and submitting the record to a clearing system of a transaction card franchiser; (d) directly applying the cost of the new transaction card to an account of the applicant within a billing system of the transaction card issuer; and (e) mailing an invoice statement to the applicant including the cost of the new transaction card. | 2010-09-23 |
| 20100241541 | BILLING DEVICE FOR IMAGE PROCESSING DEVICE WHICH ALLOCATES CHARGE AMONG A PLURALITY OF AUTHENTICATION MEDIA - An authentication printing function is performed in a multi function peripheral (MFP). A user transmits a job from a PC to the MFP, and then performs card authentication by bringing cards close to an authentication device. Authenticated-user information is transmitted to the MFP, where the authenticated users are registered. A print job is generated, and a billing scenario is generated in which a charge is allocated among the plurality of authenticated users on the basis of a billing pattern. When the billing scenario is approved by the user, the job is executed, and the authenticated users are each billed for the charge allocated thereto on a per-page or per-set basis, in accordance with the billing scenario. Accordingly, a billing device for an image processing device which can allocate a charge among a plurality of users without the need of complicated operations is provided. | 2010-09-23 |
| 20100241542 | Vehicle identification system, method and recharging station for electric vehicles - Electric vehicle recharging system in public garages and parking facilities that utilizes a vehicle identification to prevent energy theft and to provide a reliable and safe method to resume recharging process without any manual authorization after recharging interrupt. | 2010-09-23 |
| 20100241543 | IMAGE FORMATION SYSTEM, IMAGE FORMATION DEVICE, AND METHOD OF BILLING CALCULATION - An image formation device includes: a job execution control part for controlling execution of a job; a storage part for storing therein a billing map to be used for billing calculation in response to execution of the job; a billing calculation part for performing billing calculation by referring to the billing map stored in the storage part, the billing calculation being performed in response to execution of the job by the job execution control part; and a billing map switching part for changing a billing map to be referred to by the billing calculation part when the progress of the job executed by the job execution control part satisfies a predetermined condition. So, the substance of billing calculation can be changed when the progress of a job satisfies the predetermined condition during execution of the job. | 2010-09-23 |
| 20100241544 | SERVICE MANAGEMENT SYSTEM THAT ENABLES SUBSCRIBER-DRIVEN CHANGES TO SERVICE PLANS - A service management system that enables a subscriber of a mobile telecommunication system to modify aspects of his or her service plan and have the modification to the service plan take effect immediately. The subscriber enters a modification request to an aspect of a service plan. The modification request is verified against a set of rules that defines acceptable changes to the service plan. If the proposed modification to the service plan is a valid change, the change to the service plan is immediately propagated to a billing system and to other systems that implement the service plan. The subscriber is notified when the modification to the service plan is complete, and the subscriber is billed on a going-forward basis in accordance with the rate structure applicable to the plan. | 2010-09-23 |
| 20100241545 | MASTER FINANCIAL ACCOUNT - Apparatus and methods for configuring a master financial account providing comprehensive access to financial services are provided. A master account may be configured for a customer of a financial institution. The master account holder may build a customized array of financial services which may be accessed and managed through the master account. Benefits associated with use of a sub-account may accrue collectively in the master account. | 2010-09-23 |
| 20100241546 | PERSONAL FINANCIAL NETWORK - Apparatus and methods for providing a personal financial network service are provided. The method may use an electronic information processing platform. The method may include storing information relating to a first participant account. The method may also include storing information relating to a second participant account. The systems and methods of the invention may further include storing information relating to a group of accounts containing the first participant and the second participant account, wherein first said account and second said account are stored independently of one another. | 2010-09-23 |
| 20100241547 | SYSTEMS AND METHODS FOR DEPOSIT PREDICTIONS BASED UPON MONTE CARLO ANALYSIS - Systems and methods may be provided for deposit prediction based upon an example Monte Carlo analysis. The system and methods may include receiving deposit information associated with a plurality of deposits for a deposit account of a financial institution customer, where the deposit information includes a plurality of deposit amounts, and a respective date associated with each of the plurality of deposit amounts; applying a Monte Carlo analysis to at least a portion of the received deposit information; and identifying, based upon the applied Monte Carlo analysis, a largest total monetary amount that can be expected to be deposited within a time interval according to a predetermined confidence level. | 2010-09-23 |
| 20100241548 | Method for Providing Access to Funds for Small and Medium Sized Enterprises - Disclosed is a method for providing access to funds to at least one Small and Medium sized Enterprise (SME) of a plurality of SMEs. Each SME is associated with at least one enterprise sector. One or more fund requests are received for obtaining the funds from a corpus of funds. Each fund request of the one or more fund requests is associated with an SME of the plurality of SMEs. The corpus of funds includes investments from a plurality of investors. The plurality of investors includes public entities and private entities. Further, the one or more fund requests are reviewed based on a pre-defined framework. Furthermore, the at least one SME of SMEs associated with the one or more fund requests is shortlisted based on the review. An SME of the shortlisted SMEs is provided access to a fund from the corpus of funds. | 2010-09-23 |
| 20100241549 | TECHNIQUE FOR AGGREGATING AN ENERGY SERVICE - Embodiments of a system, a method, and a computer-program product (e.g., software) for aggregating an energy service from a number of participants for use by a power-system operator is described. This aggregation may be performed by an aggregator, which is between the participants and the power-system operator. In particular, the aggregator may use an embedded economic mechanism to calculate a price that matches supply (or cutback) of power and/or load from the participants with a desired supply of the power-system operator. Because the aggregator typically does not know the participants' exact propensity to respond as a function of price (supply function), the aggregator calculates the purchase price using one or more iterations in which an initial probe price is provided to the participants, and the participants respond with supply-function approximations that are valid in proximity to the current probe price. | 2010-09-23 |
| 20100241550 | INTERPROGRAM COMMUNICATION USING MESSAGES RELATED TO EVENTS AND ACTIONS ON AN EXCHANGE - Various embodiments of exchanges are described. Methods and other embodiments are also described. | 2010-09-23 |
| 20100241551 | System and method of implementing massive early terminations of long term financial contracts - A method of and system for terminating or assigning outstanding OTC derivative transactions between a plurality of financial institutions (banks). The system comprises: a processing station arranged to receive transaction data describing a plurality of transactions from a plurality of banks via the Internet. The processing station comprises: a linking module for linking different versions of the same transaction received from different parties to that transaction; an analysis module for determining a set of linked transactions between a plurality of different banks, wherein each bank has debts and claims towards other banks in the set; a calculation module arranged to calculate an aggregated value of each set of linked transactions and select the set of linked transactions which has an aggregated value within bank-specified tolerance limits acceptable for executing a termination; and an execution module for executing a termination or assignment of the selected set of linked transactions. | 2010-09-23 |
| 20100241552 | Techniques for dynamically managing trading positions - Techniques to manage a position in a securities transaction. At least one embodiment pertains to adjust purchase and selling prices, as well as at least one target profit value to liquidate a plurality of positions dynamically and automatically. | 2010-09-23 |
| 20100241553 | Method for Calculating an Index - A system and method for calculating an index relating to the trading of diamonds conforming to a particular profile, that thus makes diamonds amenable for derivative trading via futures contracts or the like. | 2010-09-23 |
| 20100241554 | METHOD AND SYSTEM FOR PRICING FINANCIAL DERIVATIVES - A method for providing a bid price and/or an offer price of an option relating to an underlying asset, the method including the steps of receiving first input data corresponding to a plurality of parameters defining the option, receiving second input data corresponding to a plurality of current market conditions relating to the underlying value, computing a corrected theoretical value (CTV) of the option based on the first and second input data, computing a bid/offer spread of the option based on the first and input data, computing a bid price and/or an offer price of the option based on the corrected TV and the bid/offer spread, and providing an output corresponding to the bid price and/or the offer price of said option. | 2010-09-23 |
| 20100241555 | PRICE IMPROVEMENT IN ELECTRONIC TRADING SYSTEM - Price improvement in credit screened trading systems is achieved by entering a maximum price improvement (MPI) amount with a maker quote. The system prepares separate quote queues for each trading floor including only quotes where bilateral credit exists. Quotes are arranged using Price, MPI, time priority. When a quote is dealt, a dealable price improvement is calculated as the amount of the MPI required to improve the dealt quote's position in the queue. | 2010-09-23 |
| 20100241556 | SYSTEM AND METHODOLOGY FOR MANAGING COMPLIANCE OF MORTGAGE LOANS TO HOMEOWNERS - A computer-implemented system and method for mortgage lending management and compliance receives, from a user, lending transaction data for a loan, property and a borrower; automatically determines if the loan complies with legal requirements and/or requires counseling based on the presence of one or more triggers (i.e., indicia of subprime or predatory lending) in the data, and notifying parties of the determination; and receives, from a counselor, counseling data for the loan and borrower. After any necessary counseling has been obtained and the counselor supplies all needed data, a certificate may be generated evidencing a counseling determination. The certificate may be transmitted to an office of a recorder for a jurisdiction in which the property is located. Suspicious activity may be flagged for appropriate investigation and remedial action by an administrator. Further progress may be halted until the administrator provides responsive input. | 2010-09-23 |
