39th week of 2011 patent applcation highlights part 66 |
Patent application number | Title | Published |
20110238485 | METHOD AND APPARATUS FOR UTILIZING CONFIDENCE LEVELS TO SERVE ADVERTISEMENTS - An approach is provided for serving advertisements to users based on a confidence level of whether the user is in a demographic group. A request is received for initiating an advertising campaign. A confidence level is determined for each representative user of one or more devices that the respective user is a member of a demographic. The advertising campaign is served to devices based on the confidence levels. | 2011-09-29 |
20110238486 | Optimizing Sponsored Search Ad Placement for Online Advertising - A method and a system are provided for optimizing sponsored search ad placement for online advertising. In one example, the system obtains advertiser bid amount information. The system obtains advertiser bid amount information. The bid amount information allows determination of amounts that advertisers will pay per user click on ads served in association with advertiser bids. The advertiser bid amounts are associated with advertising campaigns. The system obtains click-through-rate information associated with at least some of the ads. The system obtains budget information associated with the advertising campaign. The budget information specifies a maximum advertiser spending over a period of time in association with at least a portion of the advertising campaign. The system ranks a set of ads to be served based on the bid amount information, the click-through-rate information, and/or the budget information. The system optimizes ad placement of the set of ads by eliminating one or more keywords. The system then facilitates serving of the set of ads in accordance with at least one of the ranking of the set of ads and the optimizing of the ad placement. | 2011-09-29 |
20110238487 | System and Method for Improving the Performance of Electronic Media Advertising Campaigns Through Multi-Attribute Analysis and Optimization - Automated system, methods, algorithms, procedures, and computer software programs and computer program products for improving and optimizing the performance of messaging campaigns, particularly for marketing campaigns in which advertisements or other messages are distributed over an interactive measurable medium such as the Internet. Analysis and Optimization method and procedure, an automated system, and system and method that exploit the underlying multi-attribute structure, as well as other features and advantages. Optimization procedures allocate the ad alternatives or other message to the customer population to optimize business objectives such as maximizing the number of positive responses received. Procedure for generating message allocations that improve and attempt to optimize the campaign performance. Methods ensure that campaign constraints are not violated. Methods can be implemented on a computer that is programmed to retrieve message performance information and to generate recommended message allocations for each stage in a multi-stage messaging campaign to achieve messaging goals. | 2011-09-29 |
20110238488 | HEALTHCARE MARKETING DATA OPTIMIZATION SYSTEM AND METHOD - Healthcare marketing data may be cleaned and normalized according to data validity and/or data canonicity rules prior to being merged into a healthcare marketing database. The merging process may include a fuzzy de-duplication operation utilizing a configurable field scoring table for automatically identifying matching and non-matching records. Potential duplicates that cannot be automatically resolved may be provided to an operator to provide merge or no-merge instructions. | 2011-09-29 |
20110238489 | METHOD AND SYSTEM FOR POINT-OF-PURCHASE PROMOTIONAL MATERIAL PLACEMENT - A system and method of determining point-of-purchase placement locations for printed promotional materials on a retail structure includes loading, by a processing device from a database, data representative of a retail structure; determining a plurality of advertisement placement locations on the retail structure; determining a point-of-placement priority value for each of the plurality of advertisement placement locations; receiving an advertising campaign comprising data representing a plurality of advertising campaign items, each item including an associated item priority value; determining a location on the retail structure for each of the advertising campaign items based upon the item priority values and the point-of-placement priority values; and providing a report to an operator of the retail structure indicating where each of the advertising campaign items is to be displayed on the retail structure. | 2011-09-29 |
20110238490 | AUCTION FLIGHTING - Various embodiments provide techniques for auction flighting. In one or more embodiments, a control group and a test group are designated for participants who compete one to another in online auctions. An inclusive model may then be employed for testing of new conditions for auctions using the groups. In particular, multiple auctions can be conducted and/or simulated, such that control conditions are applied in auctions that do not include at least one member of the test group, and test conditions are applied in auctions having members from both the test group and the control group. A response to the test conditions can then be measured by analyzing behaviors of the participants in the auctions conducted with the control conditions in comparison to behaviors of participants in the auctions conducted with the test conditions. | 2011-09-29 |
20110238491 | SUGGESTING KEYWORD EXPANSIONS FOR ADVERTISEMENT SELECTION - Methods and computer-readable media are provided for receiving keyword expansions from expansion providers and selecting a set of keyword expansions that are used for advertisement selection. Keyword expansions that correspond to a particular search query or text from a browsed web page are received from an expansion provider. Feature data is extracted from each keyword expansion, and may include properties of the keyword expansion or the expansion provider. A score is assigned to each keyword expansion, and based on the score, a set of keyword expansions is selected from the keyword expansions received from the expansion provider. The set of keyword expansions is used to select relevant advertisements for presentation to the user. | 2011-09-29 |
20110238492 | MAXIMIZING THE RETURN ON INVESTMENT OF LOCAL BUSINESS AD SPEND ON SEARCH ENGINE ADVERTISING USING MULTIVARIATE ANALYSIS - Local businesses using on line search advertising to attract customers have a difficult time determining the effectiveness of various search terms or how much to bid for each term or search phrase. Local businesses typically fall into a national category. This national category has words and terms related to it which consumers and businesses use to search for providers and information within the category. Multivariate analysis can be used across target words and terms, negative words and terms, product profit margin, product sales volume, customer value, and click thru success to determine an index value for each search term. This analysis can be used to determine the best potential ad budget for a paid search campaign and the best phrases to deploy and optimal bid rates. | 2011-09-29 |
20110238493 | EFFICIENT AD SELECTION IN AD EXCHANGE WITH INTERMEDIARIES - A method is disclosed for optimizing ad selection in an exchange having intermediate ad-networks including: constructing an exchange graph having nodes representing publishers, advertisers, and intermediate ad-network entities, and including directed edges that represent bilateral business agreements connecting the nodes; receiving an opportunity for displaying an ad to a user that is associated with a publisher node and includes properties that are targetable by supply predicates, wherein a supply predicate is a function whose inputs include properties of the user; receiving ads that are available for display to the user associated with respective advertiser nodes and that include properties that are targetable by demand predicates, wherein a demand predicate is a function whose inputs include properties of one or more of the plurality of ads; computing a thinned graph by enforcing the supply predicates in the nodes and edges of the graph; and producing a list of ads and corresponding paths that exist through the thinned graph to the opportunity that satisfy the plurality of demand predicates. | 2011-09-29 |
20110238494 | AUCTION SYSTEM FOR MAXIMIZING ADVERTISING EFFICIENCY BY EXPOSING ADVERTISEMENTS THROUGH INTERNET MEDIA AND METHOD OF OPERATING THE SAME - An auction system for maximizing advertising efficiency by exposing an advertisement through Internet media, and a method of operating the auction system are provided. The auction system includes Internet media for providing information to an unspecified number of Internet users over the Internet, and having advertising areas. An auction server provides information about Internet media groups, in which some or all of the Internet media are grouped, to subscribing members, and selects one or more members from among members participating in an auction to post advertisements on any one of the Internet media groups. At least one advertiser client accesses the auction server, subscribes to the auction server as a member, inquires about the provided Internet media groups information, selects any one from among the Internet media groups, and enters a bidding price for the selected Internet media group. | 2011-09-29 |
20110238495 | KEYWORD-ADVERTISEMENT METHOD USING META-INFORMATION RELATED TO DIGITAL CONTENTS AND SYSTEM THEREOF - This invention relates to a keyword-advertisement method using meta-information related to digital contents such as multimedia contents and a system thereof. The present invention discloses a method and a system for executing a keyword-advertisement by using meta-information such as tags included in multimedia contents such as a moving picture, an image, a sound and so on. According to the invention, producers, providers, and distributors of multimedia contents are able to make a profit from an advertisement through a service for multimedia contents including keyword-advertisement contents. A user is able to use the multimedia contents free of charge or at a low cost. In addition, convenient web-surfing to correspondent contents is enabled for a user through informative keyword-advertisement contents related to the currently-used multimedia contents and allows the user to acquire additional information. An advertiser enables a targeted advertisement for the users who listen to or watch the multimedia contents so that the advertiser may induce more traffic to the target website/webpage or other target advertisement contents. This invention can be utilized in a wired/wireless online advertisement industry, a multimedia contents industry, an information communication service industry, a visual industry such as a film, image, or music industry and so on. | 2011-09-29 |
20110238496 | Systems and Methods for Generating Data from Mobile Applications and Dynamically Delivering Advertising Based on Generated Data - The present invention provides a platform for mobile application developers to optimize their applications based on usage data and user feedback. It also allows advertisement providers to deliver targeted advertisements through applications, on the basis of application usage data. The platform further allows application developers to obtain advertisements that provide the best revenue and are optimized for the application type and bandwidth. | 2011-09-29 |
20110238497 | SYSTEMS AND METHODS FOR AN IMPROVED ONLINE TICKET MARKETPLACE - The present disclosure is directed to systems and methods for providing an opaque online marketplace and distribution network for items, tickets, tokens, and other goods or services using a dynamic pricing engine and user-specific market price adjustments, and drawing inventory from multiple sources. Under-sold inventory from an inventory source may be monetized, while protecting the brand of the market entities, and consumers may be allowed to purchase items and tickets at a dynamic market value which, in some cases, may be below face value or a default retail price. Furthermore, a market price may be adjusted by a user-specific price adjustment, on an individualized basis, to manage user satisfaction and provide incentives. | 2011-09-29 |
20110238498 | SERVICE STAGE FOR SUBSCRIPTION MANAGEMENT - A utility for managing subscriptions for multiple services in a consistent fashion. The utility may collect information from multiple service providers and present the information to a user in a consistent format. A user interface component may control the user interface during performing actions associated with managing subscriptions, regardless of the specific service for which management operations are performed. The utility may include a feedback component, providing feedback relating to a user such that service providers can elect to supply offers for additional services or service features that align with a user's interests. | 2011-09-29 |
20110238499 | INTEGRATED MERCHANT OFFER PROGRAM AND CUSTOMER SHOPPING THROUGH ONLINE BANKING STATEMENT OFFERS - Embodiments of the invention include a merchant offer program application, which is downloaded onto or accessed through a customer computer, and that works in connection with the customer's accounts at an institution. The merchant offer program application monitors the content in which the customer is interested (i.e. through account transaction history, wish list, website content, etc.). The merchant offer program provides offers that are available for the product in which the customer is interested on an interface, such as an online banking transaction history interface. The offers are associated with the same, similar, or related products to the products associated with the transactions listed on the interface. The customer may select the offer and have the offer (i.e. discount) applied automatically when the customer enters a transaction for the product associated with the offer in the future. | 2011-09-29 |
20110238500 | SYSTEM AND METHOD FOR EXPOSING ADVERTISEMENT BASED ON KEYWORD IN REAL TIME - Provided are a system and a method for exposing an advertisement based on a keyword in real time. The system may include an inventory determining unit to determine an inventory for each target keyword using a search log based on a keyword of a user, and an advertisement registering unit to register an advertisement into an inventory corresponding to a target keyword selected by an advertiser. The system may expose an advertisement while precisely reflecting a subject of interest of the user, thereby improving an advertising effect. | 2011-09-29 |
20110238501 | Advertising revenue sharing - A method of host development is based on paying the writer of free content through advertising revenue sharing. Steps include receiving an advertisement, which is paid content, from an advertiser; receiving non-paid content subject to a condition that the provider may receive no compensation for the non-paid content; combining the paid content and the non-paid content on a content page; registering a user to interact with the content page; sending the content page for display on a computer operated by the user; calculating a number equaling all interactions of the user with the paid content; receiving payment from the advertiser for said number; and paying the provider based on a fraction of the payment. | 2011-09-29 |
20110238502 | SYSTEM FOR INTELLIGENT REAL TIME INFORMATION SERVICE AND METHOD OF THE SAME - A service method for real time information compares surrounding information provided by a transportation with conditional factors established in a database. A service center provides the real time information that conforming to the conditional factors to the transportation. Thence the transportation could respectively present the real time information on a multimedia display unit installed thereon. Whereby, the service center provides a corresponding real time information in accordance with the provided surrounding data around the transportation, and introduces the concept of time and region separation to preferably supply proper real time information to different users. | 2011-09-29 |
20110238503 | System and method for personalized dynamic web content based on photographic data - There is provided a system and method for providing personalized dynamic online content based on photographic data. There is provided a method comprising receiving photographic data of a user, determining user preferences by analyzing the photographic data, generating personalized dynamic online content using the user preferences and a profile associated with the user, and providing the personalized dynamic online content for output on a display of the user. In particular, the photographic data may be analyzed to identify creative properties, such as favored brands and characters. Through the immediate user preference feedback provided by the photographic content, a higher degree of optimal targeted content can be provided to the user without requiring conventional burdensome procedures such as manually completed user surveys or lengthy periods of behavioral monitoring. | 2011-09-29 |
20110238504 | System And Method For Modifying Advertising Costs Based On The Visibility Of The Advertisement - The cost of advertisements, for example advertisements on the Internet, is based on the “visibility” of the advertisements. The visibility is determined by considering at least the following factors: the duration the advertisement is displayed, the geographical expanse the advertisement is displayed to, the broadness of the search terms associated with the advertisement and whether the advertisement is given premium placement. | 2011-09-29 |
20110238505 | System and Method for Pricing and Exchanging Content - A system and method for pricing and exchanging content is provided, which includes a data plane formed by a peer-to-peer content sharing network or a central server allowing for client-server content transfers, and a control plane formed by a central server in communication with the data plane via the Internet. The data plane allows for the storage of digital content provided by users and the transfer of content therebetween, and the control plane provides a virtual market in which such content is sold between users using virtual currency that can be exchanged for real currency. | 2011-09-29 |
20110238506 | INTERNET-BASED BRAND MARKETING COMMUNICATION NETWORK FOR ENABLING COMMISSION-BASED E-COMMERCE TRANSACTIONS ALONG THE FABRIC OF THE WORLD WIDE WEB (WWW) USING SERVER-SIDE DRIVEN MULTI-MODE VIRTUAL KIOSKS (MMVKS) - Internet-based Enterprise-Level Brand Management And Marketing Communication Network based on an innovative brand command, control and communication architecture (BC3), which gives brand owners complete command and control over the wide range of brand-building assets, messaging and promotions scattered throughout the Web, and how they are communicated to directly consumers at diverse Web touch points, with the efficiency and automation of supply-chain management solutions. The Network supports the deployment, installation and remote programming of brand-building server-side driven Multi-Mode Virtual Kiosks on the World Wide Web (WWW), and provide brand managers, their agents and online trading partners the power to build stronger online brands, drive sales and eliminate existing friction in the retail chain through a collaborative carrier-class, indutrial-strength e-marketing communication network. | 2011-09-29 |
20110238507 | COMBINING USER CONTENT WITH SUPPLEMENTAL CONTENT AT A DATA STORAGE DEVICE - Data storage devices and methods to combine user content with supplemental content at a data storage device are disclosed. The data storage device includes a host interface, a controller coupled to the host interface, a first storage area coupled to the controller, and a second storage area coupled to the controller. The host interface is configured to enable the data storage device to receive one or more user content items from a host device when the data storage device is operationally coupled to the host device. The controller is configured to store the one or more user content items in the first storage area. The controller is also configured to combine a particular supplemental content item stored in the second storage area with a particular user content item from among the one or more user content items. | 2011-09-29 |
20110238508 | System and Method for Enabling an Advertisement to Follow the User to Additional Web Pages - A computer-implemented method and system for advertising that performs the steps of delivering an electronic advertisement comprising one or more menu options and a reference to a network location for retrieving specified content associated with each menu option for inclusion in a first electronic document, receiving a selection of one or more menu options from the electronic advertisement and delivering a subsequent accessible document including content from the referenced network location associated with the menu option selected, the subsequent accessible document including the electronic advertisement. | 2011-09-29 |
20110238509 | Methods for Transmitting Multimedia Files and Advertisements - In one implementation a method of transmitting a file having an advertising portion and a requested portion different from the advertising portion is provided. The method includes receiving a request to transmit the file, via a streaming protocol allowing non-sequential access, transmitting the advertising portion of the file, receiving a request to transmit a portion of the requested portion of the file prior to completing transmitting the advertising portion of the file, completing the transmission of the advertising portion of the file, and transmitting the requested portion of the file. In another implementation a method of transmitting streaming data from a server to the data storage medium of a device having a multimedia player is provided. The streaming data having at least one advertising-sponsored content portion and at least one associated obligatory advertising portion. Upon the server determining that the playing of all or part of the obligatory advertising portion is attempting to be avoided by the multimedia player, the server sends to the multimedia player or device a message with data storage medium control information for the purpose of inhibiting the advertising-sponsored content portion stored in the data storage medium from being played by multimedia player. | 2011-09-29 |
20110238510 | REDUCTION OF TRANSACTION FRAUD THROUGH THE USE OF AUTOMATIC CENTRALIZED SIGNATURE/SIGN VERIFICATION COMBINED WITH CREDIT AND FRAUD SCORING DURING REAL-TIME PAYMENT CARD AUTHORIZATION PROCESSES - A dynamic signature/sign biometric verification system for detecting and preventing fraudulent transactions is described. The system comprises remote digital signature/sign input devices, a means to extract spatial and temporal features from the signature, a means to transmit the signature/sign features along with customer identifier information to a centralized signature/sign verification authority, a means for combining signature/sign feature verification with other forms of fraud detection technology, and a means for transmitting the results of a signature/sign verification back to the remote location where the signature/sign was captured. The system was primarily developed for use in payment card industries (e.g. credit cards, debit cards) but has applicability to other centralized signature/sign verification applications such as Automated Teller Machine authorizations and other identity theft detection and monitoring services. | 2011-09-29 |
20110238511 | FUEL DISPENSER PAYMENT SYSTEM AND METHOD - A system and method for effecting payment transactions comprising a card reader configured to encrypt a first portion of payment card data received by the card reader from a payment card according to a first encryption scheme associated with the financial institution responsible for an account associated with the payment card and to encrypt a second portion of the payment card data according to a second encryption scheme, where the first portion is sufficient to identify the payment card or account number and to effect a payment transaction involving the payment card or account and where the second portion is sufficient to identify the financial institution but insufficient to identify the payment card or account number. | 2011-09-29 |
20110238512 | Method and Apparatus for Showroom Sales - A method and system is provided for making store sales at a location remote from a sales counter in the store. A mobile computer device is used as a point-of-sale device to scan a product bar code identifier, to display product information associated with the product identifier, to input a quantity of items to be purchased by a customer and to select a payment type for purchasing the items. The device can communicate wirelessly with a database of product, inventory, sales and customer information and can automatically select the type of wireless connection to use. The device includes a card reader to read information from a payment card and a PIN entry pad for entering a PIN when the payment card has a debit capability. The device includes a PIN pad test program to determine whether the PIN entry pad is defective. | 2011-09-29 |
20110238513 | METHOD AND SYSTEM FOR VALIDATING A TRANSACTION, CORRESPONDING TRANSACTIONAL TERMINAL AND PROGRAM - A method and apparatus are provided for validating a transaction on a transactional terminal, the transaction being associated with a user. The method includes a step of decoding a validation code preliminarily generated and displayed by the transactional terminal, entered by the user in a validation message, and transmitted by a mobile device of the user to an entity of a telecommunications network to which the mobile device and said transactional terminal are connected. | 2011-09-29 |
20110238514 | Transaction Completion Based on Geolocation Arrival - Techniques for providing friction-free transactions using geolocation and user identifiers are described herein. These techniques may ascertain a user's location based on a location of a mobile device. A transaction between the user and a merchant may be completed with zero or minimal input from the user based on the geolocation of the mobile device and the user identifiers. In some implementations, a transaction initiated earlier is completed when the mobile device arrives at the merchant. Additionally, a parent-child or similar relationship may be established between multiple devices. Security on the mobile device based may be provided by biometric identification and calculation of variance from regular movement patterns. Advertisements may be sent to the mobile device based on bids from merchants near to the mobile device. Promotions may be sent to the mobile device when more than a threshold number of mobile devices are located at the same merchant. | 2011-09-29 |
20110238515 | SYSTEM AND METHOD FOR SELECTING SERVICES FROM MULTIPLE CLOUD VENDORS - A system and method permits the selection of services from multiple cloud vendors. The system receives parameters relating to a plurality of services offered by a plurality of vendors in a plurality of cloud computing environments. The parameters relate to an actual cost charged by each of the vendors and a cost relating to an environmental impact of each of the vendors. The system calculates a value for each of the vendors as a function of the received parameters, and selects one or more vendors as a function of the calculated value. The system outputs to a display device one or more of the selected vendors and the calculated values for each of the vendors. In another embodiment, the system establishes a communication connection with one or more of the cloud computing environments, and invokes one or more applications or services from the one or more cloud computing environments. | 2011-09-29 |
20110238516 | E-COMMERCE THREAT DETECTION - Systems and methods of e-commerce threat detection are provided. The method detects fraud, fraudsters, theft rings, and stolen merchandise for sale on various e-commerce platforms. The method begins by receiving a user query relating to the activities associated with an individual or item; compiling data provided on one or more web site relating to the individual or item; determining a probability of fraudulent activities associated with an individual or item; displaying the probability of fraudulent activities to the user; and providing for user customization of the displayed material. | 2011-09-29 |
20110238517 | User Profile and Geolocation for Efficient Transactions - Techniques for providing friction-free transactions using geolocation and user identifiers are described herein. These techniques may ascertain a user's location based on a location of a mobile device. A transaction between the user and a merchant may be completed with zero or minimal input from the user based on the geolocation of the mobile device and the user identifiers. In some implementations, a transaction initiated earlier is completed when the mobile device arrives at the merchant. Additionally, a parent-child or similar relationship may be established between multiple devices. Security on the mobile device based may be provided by biometric identification and calculation of variance from regular movement patterns. Advertisements may be sent to the mobile device based on bids from merchants near to the mobile device. Promotions may be sent to the mobile device when more than a threshold number of mobile devices are located at the same merchant. | 2011-09-29 |
20110238518 | METHOD AND SOLUTION OF DATA TRANSMISSION FROM THE TRANSPONDER TO THE READER, ESPECIALLY IN PAYMENT SOLUTIONS WITH A MOBILE COMMUNICATION DEVICE - The method and solution can be mainly used for data transmission in cashless payment applications, especially those realized from the mobile phone while using RFID and/or NFC platform. The signals with different frequency are combined in antenna system (M) of the receiver ( | 2011-09-29 |
20110238519 | VEHICLE-TO-VEHICLE ENERGY MARKET SYSTEM - The use of a just-in-time market for EV's (electric vehicles) to buy and sell energy from each other directly. Such a market enables the following: sellers to advertise the amount of energy they are willing to sell and the minimum selling price; buyers to advertise the amount of energy they are interested in buying and the maximum buying price. The market works at any location and at any time as long as there is a buyer and seller. The communications are directly between buyers and sellers without the involvement of any third parties. | 2011-09-29 |
20110238520 | WIRELESS JUKEBOX ORDERING AND ADMINISTRATION APPLICATION WITH RESTAURANT AND ADMINISTRATIVE SUPPORT - A systems and methods providing queued content selection and delivery to geographically distributed venues and wireless devices and providing ancillary information and services related to such venues, including provisioning, management, and tracking of media selections and information provision. | 2011-09-29 |
20110238521 | Method, System and Business Model for a Buyer's Auction with Near Perfect Information Using the Internet - A methodology, system and business model are disclosed for facilitating a fully automated buyer's auction in which the major types of transaction costs are significantly reduced by providing the buyer and the sellers with near-perfect information about one another, including information about buyer preferences and competing sellers' offers. The system implements a buyer's auction with multidimensional bidding that minimizes market intelligence, search, bargaining and transaction execution costs and thus creates more competitive, frictionless markets. Buyers and sellers can efficiently conduct the buyer's auction within a unified environment, thereby minimizing buyer integration costs as well. The buyer's auction generates commercially marketable proprietary information and a revenue stream for the auctioneer providing such a service. | 2011-09-29 |
20110238522 | AUTOMATING INVENTORY MANAGEMENT OF CONSUMER ITEMS - A method and system for automating the management of an inventory of consumer items at a consumer location uses a programmed device that accepts input data and executes control logic for automating inventory management. At least one shopping list is received, a shopping list trend is established, and a smart list is generated with the control logic, in accordance with the shopping list trend, such that the smart list predictive of a next shopping list. | 2011-09-29 |
20110238523 | PRODUCT RECOMMENDATIONS BASED ON COLLABORATIVE FILTERING OF SELLER PRODUCTS - A system gathers user behavior data from a group of web retailers and/or non-web retailers, analyzes the user behavior data to identify product recommendations for products offered by the web retailers, and provides one of the identified product recommendations in connection with a product page associated with one of the web retailers. | 2011-09-29 |
20110238524 | BROWSER-BASED RETRIEVAL AND DISPLAY OF CONTENT ASSOCIATED WITH A LINK THAT MATCHES A LINK SIGNATURE - A page update handler, which may be loaded by a web browser as part of a web page, adds functionality for dynamically updating the web page with content supplied by a content server. The content may be related to a particular item detected on the web page by the page update handler, such as a link that matches a link signature. The content server may operate in a different Internet domain from the server that servers the original web page, and may supply content for display on web pages of many different independent web sites. In one embodiment, an operator of a web site that is separate from the content server can enable the display of content from the content server on the site's web pages by adding an update handler tag to one or more corresponding HTML documents. | 2011-09-29 |
20110238525 | DISCOVERY OF BEHAVIOR-BASED ITEM RELATIONSHIPS - Various processes are disclosed for discovering item relationships between particular items, such as products represented in an electronic catalog, based on monitored user behaviors (e.g., item viewing activities, item purchases, shopping cart activities, etc.). The discovered item relationships may, for example, be used to generate personalized item recommendations for users, and/or to supplement item detail pages of an electronic catalog with lists of related items. Also disclosed are processes for generating personalized item recommendations based on users' search activities and browse node visits. | 2011-09-29 |
20110238526 | System and Method for Modifying Package Service Subscriptions Online - A disclosed method allows service subscribers to modify service subscriptions online. Operations within the method may include receiving an order for a service package from a subscriber, wherein the service package includes multiple features. In response to the order, the features in the service package may automatically be cross referenced with a list of existing features for the subscriber to detect any overlap between the features in the service package and the existing features. In response to detecting an overlap, a subscription change request may automatically be computed, wherein subscription change request includes only the features in the service package that do not overlap the existing features. The subscription change request may then be submitted for implementation by a service provider, possibly after receiving confirmation of the change request from the subscriber. | 2011-09-29 |
20110238527 | Method for providing automated order procurement services and electronic web-based platform for supporting the same - A method for providing automated order procurement services and a platform to support the automated procurement services on the Internet from a list is provided. | 2011-09-29 |
20110238528 | SYSTEM FOR IMPLEMENTING A PERFORMANCE-BASED CUSTOMER REFERRAL PROGRAM - A system for implementing a performance-based customer referral program includes a referral tracking system capable of tracking referrals of users from participant sites to a retail site, and capable of determining whether such referrals result in purchases on the retail site. The tracked referral activity may, for example, be used to determine performance-based commissions to pay to the participants. The system may also include an enrollment system that partially or fully automates the task of enrolling new participants and their sites in the referral program. In addition, the system may include a report generation system that provides the participants with activity reports regarding the referral and purchase activity attributable to their sites. | 2011-09-29 |
20110238529 | INTELLECTUAL PROPERTY TRADING EXCHANGE - A computerized intellectual property trading exchange is disclosed for facilitating the trading of license contracts relating to intellectual property rights. The exchange includes at least one intellectual property license contract relating to intellectual property rights and a computer-accessible forum configured to allow a plurality of participants to trade the license contract. The plurality of participants includes at least one seller, which may be the owner, having the license contract and desiring to trade the license contract. The plurality of participants also includes at least one buyer desiring to obtain the license contract. The buyer may be an investor, speculator, market maker, or arbitrageur, who purchases the license contract to achieve appreciation. The buyer also may be a licensee, who purchases the license contract to practice the intellectual property rights. | 2011-09-29 |
20110238530 | SYSTEM AND METHODS FOR ANONYMOUS TRANSACTIONS IN NON-FUNGIBLE GOODS - A method for anonymous computerized commerce in non-fungible goods, the method including entering into a database particulars of non-fungible goods held by at least one of potential buyers and sellers, without providing to the database identifiers of the at least one of potential buyers and sellers, employing the database to match potential buyers with potential sellers of non-fungible goods based on similarities between non-fungible goods at least potentially available for sale by potential sellers and non-fungible goods held by potential buyers and establishing contact with at least one of potential buyers and sellers. | 2011-09-29 |
20110238531 | System And Method For Interactively Delivering Expert Information To Remote Outlets - A networked interactive expert system is disclosed for selectively providing relevant expertise when a user requires such assistance. System provides a set of networked facilities for determining an expertise needed by a customer based on a location. Such location can be either physical or logical. A physical “location” corresponds, for example, to a department within a retail outlet. Examples of logical “locations” are ones corresponding to a web-page, a product identification code of interest, a customer identification code, and/or explicit knowledge category selected by the customer. An expert studio, from a list of expert studios providing expertise corresponding to the identified location associated with the customer's request, is matched up with the request. Thereafter, a primary connection, supporting an interactive videoconference session, is established between a first networked node associated with the customer and a second networked node associated with the designated expert studio. | 2011-09-29 |
20110238532 | DETERMINING MOBILE OPERATORS FOR MOBILE DEVICES - Determining a mobile operator for a mobile device. The mobile operator is determined using one or more of an international mobile subscriber identity (IMSI) and a current operator name (CON) and service provider name (SPN) pair. Correlations between the IMSI and mobile operators, and between the CON/SPN pairs and mobile operators, are maintained. Correlations between unrecognized CON/SPN pairs and mobile operators are created based on a quantity of requests received from the mobile devices. In some embodiments, identifying the mobile operator enables financial transactions by the mobile device when visiting, for example, a mobile applications store. | 2011-09-29 |
20110238533 | DATA PROCESSING - A data processing system comprises a client device connectable to the internet, the client device having a web browser for accessing information via the internet; the web browser being operable to access a list providing groups of internet addresses of online retailer internet pages, each group having two or more internet addresses each relating to different respective retailers' offerings of an item for purchase, so that a current internet address being accessed by the web browser is compared with internet addresses in the list and, if the current internet address is found within one of the groups, the other internet addresses in the group are returned as alternative internet addresses relating to a current item being viewed; the web browser being operable to detect a retail price of the current item from each of the internet addresses in the group containing the current internet address; and the web browser being operable to compare the retail prices and indicate the lowest such retail price for the current item while displaying the internet page relating to the current internet address. | 2011-09-29 |
20110238534 | METHODS AND SYSTEMS FOR IMPROVING THE CATEGORIZATION OF ITEMS FOR WHICH ITEM LISTINGS ARE MADE BY A USER OF AN ECOMMERCE SYSTEM - Methods and systems for improving the classification of items that are listed for sale on an ecommerce system. In one example embodiment a seller of an item provides the ecommerce system a listing of the item for sale, the listing including key data such as item category in textual format. The ecommerce system, in response to the textual category, presents to the seller images of types of the item in the category in silhouette form. The seller selects the silhouette delineating the type of item, causing the type of item to be entered as key data in the listing. The seller may send her own image of the item to the system, which then compares the seller-provided image to a system image of known category and/or type. If the system detects a possible mismatch between the images, the system provides feedback to the seller indicating a possible error in categorization of the listed item. | 2011-09-29 |
20110238535 | Systems and Methods for Making and Using Interactive Display Table for Facilitating Registries - An interactive display of goods. On a screen, platform, or other suitable surface, images of items are shown or projected, preferably in high definition and/or 3D. A user may inspect or select any of the items. A computer or other processing unit may supply the content of the images. Preferably, realistic 3D images of objects are rendered by graphics design software enabling the user to select an item, rotate it, and view it from any angle. | 2011-09-29 |
20110238536 | METHODS AND SYSTEMS FOR REDUCING ITEM SELECTION ERROR IN AN E-COMMERCE ENVIRONMENT - Methods and systems for displaying, to a user interface, categories of items for the user to select from for querying the system, in order to enable the system to return to the user images of items of the type desired by the user for possible purchase. The items categories of items can be presented to the user interface visually in silhouette form so that the user can select brand and the silhouette image of the type of item desired. Upon selection of the silhouette image, a query is sent to the system and images of the desired type of item are returned to the user interface for presentation to the user, along with certain attributes of the items. | 2011-09-29 |
20110238537 | WORK IN PROCESS INVENTORY ANALYSIS TOOL - A method of managing work-in-process (WIP) inventory includes receiving inputs, via a user interface of a computer processing device. The inputs correspond to variables defined for modules. Each of the modules includes a set of instructions for determining and quantifying a corresponding WIP inventory driver. The method also includes executing instructions on the inputs by one or more of the modules. The inputs are applied to corresponding modules based on respective variables defined for the modules. The method further includes deriving a quantified WIP inventory resulting from execution of the instructions categorized by corresponding WIP inventory drivers. | 2011-09-29 |
20110238538 | AGGREGATION OF CUSTOMER TRANSACTION DATA - Aggregating customer records to conduct due diligence to facilitate business transaction includes receiving a request to aggregate customer transaction records, wherein the customer transaction records are stored when a customer conducts a transaction with a selected one of a first company and a second company. A plurality of customer transaction records are determined from a first enterprise. The plurality of customer transaction records are aggregated from the first enterprise, wherein the plurality of customer transaction records comprises records associated with the first company and records associated with the second company. The aggregated customer transaction records are communicated in response to the request. | 2011-09-29 |
20110238539 | METHODS FOR RISK MANAGEMENT IN PAYMENT DEVICE SYSTEM - A method includes setting a risk management limit to be applied to authorized purchase transactions for a payment card account. The method further includes detecting that purchase transactions for the payment card account have approached the risk management limit and sending a message to the account holder to notify the account holder that the risk management limit is imminent. In addition, the method includes detecting that the account holder has requested re-setting of the risk management limit and then re-setting the risk management limit. | 2011-09-29 |
20110238540 | FINANCIAL ACCOUNT MANAGEMENT BASED ON SPECIFIED CRITERIA - Exemplary embodiments are directed to account management including reporting financial transactions to an account holder in a transaction reporting statement and automatic payment of open account balances. Consolidating reporting criteria and/or balance management criteria can be specified to customize reporting and/or payment of purchase transactions. The consolidated reporting criteria can be applied to transactions to identify amalgamable transactions, which can be consolidated into a consolidated transaction. The balance management criteria can include scheduling criteria and payment criteria and can be applied to open account balances to facilitate payment of open account balances. | 2011-09-29 |
20110238541 | AUDIT TRAILS FOR ELECTRONIC FINANCIAL TRANSACTIONS - An exemplary method includes transmitting, via a network interface, at least a currency amount in an attempt to confirm a financial transaction; responsive to the transmitting, receiving a confirmation indicator for the financial transaction; storing at least the currency amount in non-volatile memory; hashing at least the currency amount to generate a hash and storing the hash in a secure non-volatile memory; hashing at least the currency amount stored in the non-volatile memory to generate a verification hash; and in an attempt to verify at least the financial transaction, comparing the verification hash to the hash stored in the secure non-volatile memory. Various other apparatuses, systems, methods, etc., are also disclosed. | 2011-09-29 |
20110238542 | METHOD AND APPARATUS FOR SECURE AND SMALL CREDITS FOR VERIFIABLE SERVICE PROVIDER METERING - A method and apparatus for obtaining access to services of service providers. In one embodiment, the method comprises requesting a desired service through a foreign service provider, generating a hash tree and generating a digital signature on a root value of the hash tree, sending the digital signature and the root value to the foreign service provider, providing one or more tokens to the foreign service provider with the next packet if the foreign service provider accepts the signature and continuing to use the service while the foreign service provider accepts tokens. | 2011-09-29 |
20110238543 | SYSTEM AND METHOD OF VERIFYING DRIVING LOGS WITH GPS DATA - A system and method of verifying driver log entries against corresponding independent location information to verify the accuracy of the entries and to identify exceptions and data inconsistencies between the log entries and the independent location information. | 2011-09-29 |
20110238544 | Method and system for managing interactive communications campaigns with proactive payments - A messaging platform includes a messaging subsystem that provides client-configurable proactive payment function. During a given interactive communications campaign, this function proactively contacts each of a set of target customers about a future (upcoming) payment amount and deadline (e.g., a minimum credit card payment, a monthly committed payment, or the like) and attempts to facilitate a “proactive payment” event associated with that payment. | 2011-09-29 |
20110238545 | METHOD AND APPARATUS FOR PROVIDING BUNDLED SERVICES - Techniques for supporting bundled services of network operators and service providers include generating a view to be presented on a display, the view comprising data that indicates a service provided by a vendor over a network. It is determined whether the service is associated with a service feature of a network operator of at least a portion of the network. If the service is associated with the service feature of the network operator, then data that indicates the service feature of the network operator is inserted into the view. The view is provided for transmission over the network. | 2011-09-29 |
20110238546 | MANAGING COMMITTED PROCESSING RATES FOR SHARED RESOURCES - Commitments against various resources can be dynamically adjusted for customers in a shared-resource environment. A customer can provision a data volume with a committed rate of Input/Output Operations Per Second (IOPS) and pay only for that commitment (plus any overage), for example, as well as the amount of storage requested. The customer can subsequently adjust the committed rate of IOPS by submitting an appropriate request, or the rate can be adjusted automatically based on any of a number of criteria. Data volumes for the customer can be migrated, split, or combined in order to provide the adjusted rate. The interaction of the customer with the data volume does not need to change, independent of adjustments in rate or changes in the data volume, other than the rate at which requests are processed. | 2011-09-29 |
20110238547 | Charging Control Providing Correction of Charging Control Information - There is proposed a charging control in which a policy and charging control function provides first (preliminary) charging control information, such as PCC rules, when the communication connection is set up or modified. Then, service information can be retrieved leading to an updated set of charging control information. The policy and charging control function provides then the updated charging control information for enforcement, wherein the charging system is informed about both the preliminary nature of the first charging control information and the validity of the second charging control information for a time before the update, i.e. before the transmission of the second charging control information. The charging system can use this updated charging control information and knows that it has to replace the former charging control information, so that the charging procedure can be corrected accordingly. Thus, charging of a service miming on the communication connection on the basis of correct charging control information is possible over the complete time the service is running. | 2011-09-29 |
20110238548 | METHOD AND SYSTEM FOR COMPLIANCE HOSTING - A method and system is provided for monitoring mortgagee regulatory compliance using a centralized repository. A centralized repository hosts loan origination software (LOS). The centralized repository can be accessible to a compliance monitor and a mortgagee. The mortgagee records borrower loan information into the centralized repository using the LOS. The compliance monitor retrieves borrower loan information using the LOS. The compliance monitor audits borrower loan information for regulatory compliance. The compliance monitor reports audit results to the mortgagee. | 2011-09-29 |
20110238549 | FOREIGN CURRENCY EXCHANGE SYSTEM AND METHOD - A foreign currency exchange system and method are provided that allows the user to exchange various foreign currency for a physical or electronic gift card, a donation to a charity, a stored foreign currency value card and/or a multi-currency debit cash card. | 2011-09-29 |
20110238550 | SYSTEMS AND METHODS FOR PREDICTING FINANCIAL BEHAVIORS - A system and method for predicting financial behaviors of the consumers and utilizing this predicted data to assist consumers in managing their accounts and find other consumers. The systems and methods of the present invention provides for receiving consumers transactions and clustering the transactions to compute a similarity measure and further predicting future transactions based on the similarity measure of the clustered transactions. These predictive future transactions are further computed to generate a predictive behavior model which provides predictive financial behaviors of the consumers. Some of the uses of this system and method include assisting users by warning them of impending problems, optimally routing transactions, suggesting financial products and identifying particular behavior patterns for personal goal achievement and self directed behavior modification. | 2011-09-29 |
20110238551 | SYSTEM AND METHOD FOR DETERMINING ELIGIBILITY AND ENROLLING MEMBERS IN VARIOUS PROGRAMS - A system and method for determining eligibility of persons and enrolling those persons in various programs. For example, one embodiment is particularly suited for enrolling credit card members in payment programs. A program is selected, after which enrollment information is entered. The enrollment information is checked and verified, and the enrollment application is checked for eligibility. The enrollment may be either accepted or declined. The possibility of reiterative enrollment in more than one program is provided. A system is provided for tracking which payment programs are the most enticing for later feedback analysis. | 2011-09-29 |
20110238552 | Method And Apparatus To Facilitate Dynamic Resource Access In Wireless Networks - To address the need to fairly allocate resources to a number of competing and heterogeneous consumers, embodiments such as those depicted in diagram | 2011-09-29 |
20110238553 | ELECTRONIC ACCOUNT-TO-ACCOUNT FUNDS TRANSFER - Funds are electronically transferred between a provider and a beneficiary. A provider accountholder accesses a funds transfer system to communicate with a host. The provider accountholder sends the host information sufficient to process the electronic funds transfer including designating transfer conditions to be satisfied prior to remittance of the funds from a provider account to a beneficiary account. The host receives the funds transfer request from the provider accountholder, receives authorization of the funds transfer from the issuer of the provider account, and, prior to remitting the funds, determines if the transfer conditions are satisfied. In some implementations, the funds are suspended in the provider account or transferred to a temporary account before the remittance. A system is disclosed for generating a payment card for any beneficiary account type, where the funds transfers terminates in a new account opening, followed by funding of that new account. | 2011-09-29 |
20110238554 | SYSTEM AND METHOD FOR DIRECT CLIENT ACCESS FOR MANAGEMENT OF SECURITIES TRANSACTIONS - A computer implemented system and method provides for transmission of a parent shell order of which no portion is placed for execution until a respective child order is obtained. The shell order can be received from a device of an exchange member on behalf of a member's customer and the child orders can be received directly from a device operated by the customer. | 2011-09-29 |
20110238555 | METHOD AND SYSTEM FOR ELECTRONIC TRADING FROM SMART PHONES AND TABLET COMPUTERS - A method and system for electronic trading from smart phones and tablet computers. A selection input (e.g., a bar code, alphanumeric form, etc.) is received from a camera component on a smart network device application on the smart phone or tablet including one or more trading orders to execute one or more electronic trades. The one or more trading orders are extracted from the selection input on the smart network device application. The one or more electronic trades are automatically executed using one or more electronic trading orders extracted from the selection input from an Ask Bid Volume/Aggregated Book View (ABV) window with a dynamic price column. | 2011-09-29 |
20110238556 | SYSTEM FOR MATCHING INTERNAL ORDERS - A processor coupled to a memory may receive a first trading order from a first trading participant associated in the at least one database with a first entity, the first trading order comprising a price. The processor may, after receiving the first trading order, receive a second trading order from a second trading participant associated in the at least one memory with a second entity different from the first entity, the second trading order comprising the price. The processor may ordering the first trading order ahead of the second trading order in a trading order queue at the price. After receiving the first and second trading orders and while the first trading order is available for execution, the processor may receive a third trading order from a third trading participant associated with the second entity in the at least one memory, the third trading order being contra to the first and second trading orders at the same price. The processor may determining that the second and third trading orders are associated with the same entity in the database. The processor may, based at least in part on determining that the second and third trading orders are associated with the same entity, match at least a portion of the second trading order with at least a portion of the third trading order. The processor may cause the at least portion of the second trading order to be executed against the at least portion of the third trading order. | 2011-09-29 |
20110238557 | Method of Routing Instant Messages to Trading Customers and Converting Return Instant Messages into Executable Orders - A filter method of routing instant messages to customers and converting return instant messages into orders is disclosed for facilitating electronic trades of stock, stock options and other investment products. The filter method provides a step of generating a relational database of customer data, generating filter rules based on the customer, underlying stock and options data, selecting customers to receive a real-time trading data based on the filter rules, routing personalized instant messages to the selected customers, and converting return instant messages into executable orders. The filter method further serves as a platform from which other services, such as billing, auditing and logging, may extend to provide a complete business solution to its users. | 2011-09-29 |
20110238558 | REAL TIME TRADING - A computer based system for executing transactions involving financial instruments, comprising a central host computer system, and a network of client computer systems including browser-based software which is adapted to present different interfaces to different trading parties, and also adapted to enable the different parties to set permission filters which control the presentation of information relating to their own trading, to other parties. | 2011-09-29 |
20110238559 | System And Method For Facilitating Unified Trading And Control For A Sponsoring Organization's Money Management Process - An embodiment of the present invention provides a system, method, process, software and standards that enable a unified trading and control process utilized by sponsoring organizations and asset managers (money managers) for sub advised or externally managed investment portfolios as to increase control over the trading process by a sponsoring organization, enhance regulatory compliance, substantially lower trading costs and improve investment performance on a recurring basis for the shareholders and beneficiaries investing in registered and non registered mutual funds and institutional investment portfolios. | 2011-09-29 |
20110238560 | License market, license contracts and method for trading license contracts - A license exchange is provided that allows for companies who desire to obtain licenses for intellectual property and speculators to bid in order to set pricing for license contracts that provide for market rates to be set for such licenses. The exchange insures liquidity for such license contracts by providing market makers, scarcity features or modules and predetermined trading periods. In an embodiment the exchange may provide an electronic auction where license contracts may be traded by parties including patentees who may wish to avoid litigation and obtain fair and reasonable royalties for the patents underlying the license contracts being traded. The exchange also provides an alternate licensing resolution process where IP can be evaluated with respect to validity, valuated to determine a fair license rate and auctioned to licensees in a transparent bidding process. | 2011-09-29 |
20110238561 | Pharmaceutical Derivative Financial Products - The present invention describes the creation of derivative financial products such as options, futures, and other derivatives whereby the underlying asset of the derivative is based on a performance indicator, such as prescription volume or prescription market share, of one or more pharmaceutical product(s). | 2011-09-29 |
20110238562 | METHODS AND SYSTEMS FOR MATCHING AND EXECUTING TEST TRADING ORDERS - In various embodiments, real and test trading orders are received, processed, conditionally matched and results are transmitted back to the entities originating the orders. | 2011-09-29 |
20110238563 | Foreign Currency Index - Systems and methods are provided for trading and calculating the composition of foreign currencies indexed financial instruments. The compositions of the financial instruments are determined by calculating a geometric average of the exchange rates of foreign currencies with corresponding competitive weights. The competitive weights for each of the foreign currencies reflects competition between the goods of the United States and a country corresponding to the foreign currency in the markets of third countries. | 2011-09-29 |
20110238564 | System and Method for Early Detection of Fraudulent Transactions - Systems, methods, and computer-readable media are disclosed for improved early detection and alerts related to fraudulent transactions. Certain embodiments involve sending an alert message to a mobile device associated with a portable consumer device. The alert includes notification of a recent transaction related to an account that is associated with the portable consumer device. A reply message is then received in response to the alert message. The response may indicate that the recent transaction is fraudulent. A risk engine is then updated with data associated with the reply message. In one potential additional embodiments, analysis and projections of potential future fraud are created or updated based on the reply message. | 2011-09-29 |
20110238565 | SYSTEM AND METHOD FOR FINANCIALLY DISTRESSED PERSONS TO AVOID CONSEQUENCE OF FORECLOSURE - A novel system, method and computer program product for enabling owner/debtor's particularly, of dwellings, e.g. single or multi-family dwellings homes, condominiums, etc. (mortgagors), who are in financial distress and may be entering into a home foreclosure, to avoid the foreclosure by enabling them to purchase another real-estate property as joint or co-owner with another debtor, e.g., who may or may not be in a similar foreclosure situation. Immediate beneficial effect of such an equity purchasing arrangement for all parties is realized when brokered and transacted according to the systems and methods of the present invention. For instance, based on pool membership and an affordability factor rating, customers may be immediately extricated from the foreclosure process, advantageously matched with another borrower using calculations provided by the invention, and placed in an equity home co-ownership situation. | 2011-09-29 |
20110238566 | SYSTEM AND METHODS FOR DETERMINING AND REPORTING RISK ASSOCIATED WITH FINANCIAL INSTRUMENTS - A system and methods for detecting and reporting risk associated with financial instruments, based on financial instrument data submitted by clients such as banks and financial institutions and on additional data obtained from various third party information sources. A financial risk and (associated) fraud detection system processes the financial instrument data along with data obtained from various third party information sources in order to determine a risk assessment. The risk assessment comprises a risk score and level of risk associated with the financial instrument. Further, a type of fraud associated with the financial instrument is also reported for financial instruments that are deemed to be fraudulent. Comprehensive reports are generated and reviewed by clients in order to assist in approval or rejection of individual loans or in management of multiple loans in existing portfolios. | 2011-09-29 |
20110238567 | SYSTEM AND METHOD FOR INSTALLMENT PAYMENT TRANSACTIONS - Techniques are provided for a method of installment payment transactions associated with a credit card account. An installment service having one or more servers receives a credit card transaction. An installment payment amount for the transaction is calculated. Based on the calculated payment amount, an installment payment offer is presented to a confirmation device. | 2011-09-29 |
20110238568 | Enhanced Optimized Routing With Volume Controls - Systems, apparatuses, and methods are illustrated for enhancing the transfer of funds. Aspects of the disclosure relate to enhancing the transfer of funds using a plurality of factors/controls, such as speed, quality, cost, priority, and/or volume. The volume controls may be configured with minimum and maximum values and configured to override other factors (e.g., cost, quality, etc.) Systems and methods are disclosed to assist in selecting delivery mechanism to transfer funds in an enhanced manner. | 2011-09-29 |
20110238569 | MOBILE PAYMENTS - A method and system for processing payment transaction at a computing device is provided. The method includes receiving a payment request at the computing device from a purchaser terminal, the payment request including purchaser information, determining whether payment information associated with the purchaser information exists at the computing device, and processing payment transaction using the payment information if it is determined that the payment information associated with the purchaser information exists at the computing device. | 2011-09-29 |
20110238570 | System of Online Trading Through Intermediary Platform and Methods Thereof - System and methods of conducting an online transaction through an intermediary platform are provided. In one aspect, a system of conducting online transactions comprises an intermediary platform that includes an intermediary platform server and an intermediary platform database. The intermediary platform server includes a synchronous processing unit that receives information of a product from a merchant selling the product causes the information of the product of the merchant to be displayed at a predetermined linked position in a user interface. The intermediary platform server also includes a transaction request processing unit that receives a transaction request to purchase the product from a user, sends the transaction request to the merchant, and receives a transaction result from the merchant. The intermediary platform server further includes an interaction unit that establishes communications with the merchant and the user. The intermediary platform database includes a merchant information storage unit that stores contact information of the merchant and a correlation between the information of the product of the merchant and the merchant. The intermediary platform database also includes a transaction information storage unit that stores information of a transaction, which includes one or more of merchant information, user information, product information, transaction result information of the transaction, or a combination thereof. | 2011-09-29 |
20110238571 | Method for Processing Internet Point of Sale Payment Using Automated Teller Machine Switch Settlement - A system and method for effectuating Electronic Funds Transfer credit messages. The main structural components of the system include a Payment Portal Processor (PPP), an Internet Pay Anyone (IPA) Account, a Virtual Private Lockbox (VPL) and an associated Account Reporter, the existing EFT networks, and a cash card for accessing a VPL or IP account. The PPP is a software application that provides a secure portal for accessing (linking to) either the user's Demand Deposit Account (DDA) or an IPA account and can be combined with the functionality of a traditional digital Wallet. Consumers use a PPP enhanced Wallet to fund their account, shop on the web, pay bills, pay anyone, store electronic receipts and transaction history, and check their recent PPP enhanced Wallet activity. The IPA account is a special purpose account with limited functionality for making electronic payments in the form of EFT credit messages. The VPL is a limited function receive only account for receiving electronic payments through the EFT. The Account Reporter is a portal to view transaction history and balance of IPA and VPL accounts, provide online, real-time transaction reports, and to reconciles accounts receivable/purchase records against incoming EFT payment records. A physical card can be associated with either an IPA or VPL account in order to provide PIN debit capability. | 2011-09-29 |
20110238572 | Remote Control Of Self-Service Terminal - Various methods and systems are described, that, for example, receive at a computer a first request for a remote control session to remotely control the computer; responsive to receiving the first request, determine whether a local transaction is being performed at the computer; and responsive to determining that a local transaction is being performed at the computer, reject the first request. | 2011-09-29 |
20110238573 | CARDLESS ATM TRANSACTION METHOD AND SYSTEM - A method and system are provided for conducting automatic teller machine (ATM) transactions without the use of an ATM card, using a mobile user device. The mobile user device communicates with an ATM, a provider interface or a network. The ATM communicates with the mobile user device through a contact or contactless means, which may include communication through any wireless connection such as RFID, Bluetooth™ or other near field communication means, or through a USB port or other means of contact. A mobile user device may provide transaction information or authentication information to an ATM or to an authentication system in communication with an ATM. The transaction may be associated with the user's ATM account or another account. The mobile user device may generate a dynamic value which may be used as a password, an authentication value, an account identifier or a transaction identifier. | 2011-09-29 |
20110238574 | Banking system controlled responsive to data bearing records and user input of a phone received security code - A banking system operates to cause financial transfers responsive to card data read from data bearing records by a card reader. The system includes at least one automated banking machine comprising a cash dispenser. The system is operative during a cash dispense transaction request to receive through an automated banking machine, user input of data corresponding to a mobile phone number. The system is operative to generate a security code for the requested cash dispense transaction. The system uses the phone number to send the generated security code to the mobile phone. The cash dispense transaction is allowed to proceed only if the system receives machine user input of the sent security code within a predetermined amount of time. | 2011-09-29 |
20110238575 | MERCHANT FRAUD RISK SCORE - Methods and systems are presented for a fraud risk score to be given to a merchant for a proposed transaction with a consumer. The fraud risk score is generated by a payment account service provider, such as a credit card processor, using information from a pending transaction as well as information from other payment accounts that the consumer holds to which the payment account service provider is privy. Various factors, including indicators of elevated risk in other payment accounts, are custom-weighted by the merchant for the score. | 2011-09-29 |
20110238576 | ACCOUNT PERMANENCE - A system and method for using derived account identifiers. The derived account identifiers are associated with a single permanent account identifier. Each derived account identifier is associated with a communication channel or portable consumer device. | 2011-09-29 |
20110238577 | CONDITIONAL BALANCE MANAGEMENT FOR NON-ISSUER DEBIT INSTRUMENTS - A computer receives information about a debit account controlled by a third-party issuer, a user owing the account and instructions for managing the account after a specified trigger date. Operating according the instructions, an unknown remaining balance in the account may be exhausted after the trigger date has passed, using a sequence of charges responsive to the initial balance, to the last charge amount completed or attempted, and to whether or not the last charge amount is accepted. In the alternative, or in addition, the account may be managed to convert the remaining balance to a non-monetary coupon (e.g., “virtual currency”) for use in an online computer game or the like, after the trigger date. | 2011-09-29 |
20110238578 | MODULE ID BASED ENCRYPTION FOR FINANCIAL TRANSACTIONS - A server is operable to receive a media device identifying number (ID) and establish an association between a media device and a payment account and, in one embodiment, supports at least one of payment authorization and payment clearing based at least in part on the media device ID and the payment account. A network and system includes a payment card processor server that is operable to receive a payment authorization request and to determine if an authorized media device generated a purchase selection message and to determine to approve a received payment authorization request based, in part, if the media device was authorized for the purchase selection based upon a received media device ID. The system is further operable to perform a key rotation to protect payment account information. | 2011-09-29 |
20110238579 | SYSTEM AND DEVICE FOR FACILITATING A SECURE TRANSACTION WITH A VALIDATED TOKEN - The present invention relates generally to a smart card device that is configured to facilitate wireless network access and credential verification. Specifically, the device is configured to meet the physical and electrical specification for commercially available mobile devices utilizing a standard Subscriber Identity Module (SIM) for network access. The device combines the features of the SIM with Common Access Card or Personal Identity Verification card features to allow a network subscriber to invoke secure payment transactions over a carrier's network by way of a transaction account token. The system includes data storage for maintaining a plurality of network and transaction instrument profiles and a profile gateway for receiving transaction information from a payment gateway, sending an authorization request to a user's mobile device, receiving a transaction authorization from the mobile device, and sending transaction information to a payment gateway to finalize the payment transaction. | 2011-09-29 |
20110238580 | SYSTEM AND DEVICE FOR CONSOLIDATING SIM, PERSONAL TOKEN, AND ASSOCIATED APPLICATIONS FOR SECURE TRANSMISSION OF SENSITIVE DATA - The present invention relates generally to a smart card device that is configured to facilitate wireless network access and credential verification. Specifically, the device is configured to meet the physical and electrical specification for commercially available mobile devices utilizing a standard Subscriber Identity Module (SIM) for network access. The device combines the features of the SIM with Common Access Card or Personal Identity Verification card features to allow a network subscriber to invoke secure payment transactions over a carrier's network. The system includes data storage for maintaining a plurality of network and transaction instrument profiles and a profile gateway for receiving transaction information from a payment gateway, sending an authorization request to a user's mobile device, receiving a transaction authorization from the mobile device, and sending transaction information to a payment gateway to finalize the payment transaction. | 2011-09-29 |
20110238581 | SECURE ELECTRONIC CASH-LESS PAYMENT SYSTEMS AND METHODS - Systems and methods to provide and maintain secure financial transaction conducted with a credit card or other cashless payment mechanism at a vending machine or other potentially unattended vending or point of sale device. Encapsulated card readers providing end-to-end encryption capabilities encrypt transaction data for secure transmission to a transaction host or server. Pre-authorization transaction data checking maintains account numbers in a secure encrypted format further enhancing security. Protection mechanisms that guard against, and provide warnings of equipment tampering, while also providing a visual indication to customers regarding the security of the system. | 2011-09-29 |
20110238582 | Service Method For Customer Self-Service And Rapid On-Boarding For Remote Information Technology Infrastructure Monitoring And Management - In accordance with one aspect of the embodiments of this invention there is a method to initiate remote managed infrastructure services for a customer infrastructure site. The method includes, in response to an inquiry from a potential customer, provisioning the potential customer with a remote managed infrastructure services software client; using the provisioned software client, performing an automated process to detect specifics of a customer information technology infrastructure; in response to the customer confirming the detected specifics of customer information technology infrastructure, configuring a remote managed infrastructure service to monitor and manage all or a subset of the detected and confirmed customer information technology infrastructure. | 2011-09-29 |
20110238583 | TECHNIQUE FOR AGGREGATING REACTIVE POWER LOADS - One embodiment of the present invention provides a system that aggregates an energy service from one or more participants. An aggregator in the system first sends a plurality of price points to a respective participant, wherein each price point corresponds to a particular range of phase angles between a voltage waveform and a current waveform. The aggregator then receives a price point selected by the participant, wherein the selected price point corresponds to a phase angle to which the participant agrees to adjust. Next, the aggregator aggregates from the one or more participants an energy service with reactive-power reduction. | 2011-09-29 |
20110238584 | TERMINOLOGY MANAGEMENT DATABASE - Various methods and systems are provided to allow different users to search for company-specific terms in a terminology database maintained by a company or website. Information about the terminology provided to the user may include acceptability of use, details of acceptable or unacceptable use, description, synonyms, and related terms. Terms not found in the database may be added from a submission by the user. As a result, users may better understand terminology used by the company or website. In other embodiments, terminology can be searched for acceptable use in social networking sites or other areas or searched for plagiarism. | 2011-09-29 |