41st week of 2012 patent applcation highlights part 47 |
Patent application number | Title | Published |
20120259701 | RETRIEVAL SUPPORT SYSTEM, RETRIEVAL SUPPORT METHOD AND RETRIEVAL SUPPORT PROGRAM - A retrieval support system includes a database which stores commodity image data; a retrieval unit which acquires commodity image data having image characteristic information which is the same as or similar to image characteristic information indicating a characteristic in an image of input image data, from the database, with respect to the input image data; and a condition setting unit which sets a retrieval condition including at least one of time information relating to time, place information relating to places and occasion information relating to occasions. The retrieval unit performs retrieval of the commodity image data based on the retrieval condition set by the condition setting unit. The commodity image data acquired by the retrieval unit and information relating to a commodity different from a commodity corresponding to the commodity image data are output together. | 2012-10-11 |
20120259702 | DETERMINING PLACEMENT OF ADVERTISEMENTS ON WEB PAGES - A system and method is described herein that selects advertisements for two or more regions of a web page based on rankings of the advertisements generated using different models. By ranking advertisements separately for each region of a web page, and choosing highest ranked advertisements for each region, advertisements can be selectively chosen such that a user is more likely to select an advertisement in each region of the web page. As a result, the user experience can be enhanced and the advertising revenue can be correspondingly increased. | 2012-10-11 |
20120259703 | Methods and Systems to Facilitate Keyword Bid Arbitrage with Multiple Advertisement Placement Providers - A system and method are directed towards identifying advertisement keywords within a variety of content types, identifying similarity rankings of advertisements based on the keywords, and to the guiding of keyword purchases. In one embodiment, a search is performed based in part on defined selection criteria, and/or scheduling rules. Content that may include advertisements is processed to identify advertisement keywords. A similarity ranking of different advertisements based on keywords therein may be determined. The similarity rankings may be used, with keyword pricing data, to identify instances of keyword arbitrage, guide purchase of keywords, and to control traffic flow to and from advertisements to obtain a benefit from price differentials between what one keyword seller charges for a keyword and what a click buyer will, pay for traffic directed to advertisements with the same or related keyword. In one embodiment, a three-dimensional representation is provided indicating relationships between advertisements across websites. | 2012-10-11 |
20120259704 | TIME-SENSITIVE AND LOCATION-BASED COMMERCIAL OFFER SYSTEM - A method, system, apparatus and computer program to notify a user of a commercial offer that is time-sensitive and time-specific. The user can be notified of commercial offers associated with locations near the user's current or predicted location. The commercial offers are time-specific, for example, a commercial offer for breakfast that can only be used during morning hours. As such, the commercial offers can be provided to consumers that are commonly located in the area of the vendor offering the commercial offer at the time of day in which the commercial offer is most relevant. | 2012-10-11 |
20120259705 | TIME-SENSITIVE AND LOCATION-BASED COMMERCIAL OFFER SYSTEM - A method, system, apparatus and computer program to notify a user of a commercial offer that is time-sensitive and time-specific. The user can be notified of commercial offers associated with locations near the user's current or predicted location. The commercial offers are time-specific, for example, a commercial offer for breakfast that can only be used during morning hours. As such, the commercial offers can be provided to consumers that are commonly located in the area of the vendor offering the commercial offer at the time of day in which the commercial offer is most relevant. | 2012-10-11 |
20120259706 | VEHICLE NAVIGATION SYSTEM AND METHOD - Methods and systems are provided for a vehicle. An occupant of the vehicle is identified. Information pertaining to the occupant is accessed from a database. Marketing material is provided to the occupant based on the information. | 2012-10-11 |
20120259707 | SYSTEM FOR AUTOMATED MEDIA DELIVERY TO MOBILE DEVICES AND MOBILE DEVICE LOCKSCREENS - A method and system for automated media delivery to mobile devices and mobile device lockscreens. The method includes receiving a first media request associated with a first target device, obtaining a first user account associated with the first media request, wherein the first user account comprises first user category criteria; selecting a first user-submitted media item based on the first user category criteria, and sending, to the first target device, the first user-submitted media object, wherein the first user-submitted media object is presented on a lock screen of the first target device. The method further includes receiving a second media request associated with the first target device, selecting a first advertiser-submitted media object based on the first user category criteria, and sending, to the first target device, the first advertiser-submitted media object, wherein the first advertiser-submitted media object is presented on the lock screen of the first target device. | 2012-10-11 |
20120259708 | Method of Providing Targeted Information Using Wireless Subscription Management - A wireless communication device receives targeted information and/or advertisements. The wireless communication device is preprogrammed with a generic network address only. To communicate over a network, the wireless communication sends an activation request message to the network, including its generic network address (GNA) and information indicative of the base station via which communication is taking place. Knowing the geographical location of the base station, it is possible to send to the wireless communication device via its GNA, or a subsequently provided unique network address (UNA), information or advertisements targeted to the geographical location or particular wireless device. | 2012-10-11 |
20120259709 | Systems and Methods for Associating Attribution Data with Digital Content - System and method for providing context-independent compensation. Metadata is stored identifying a content source for original content. When the original content is displayed in a context that the content source does not control, compensation is nevertheless provided to the content source. | 2012-10-11 |
20120259710 | DESIGN PROCESS OF ADVERTISEMENTS - An advertisement is dynamically generated using e.g. one or more computing devices. The generation of the advertisement includes generating a box configured to store information about a product to be included in the advertisement. The product is associated with a product identifier. A global unique identifier for the box is generated. A combination of the global unique identifier of the box with the product identifier of the product about which the box is configured to store information is stored as integration data. An ad elements data store is queried to retrieve a set of elements for the product. Each element in the set of elements was previously included in one or more different advertisements. The box is populated with an element of the set of elements for the product about which the box is configured to store information. The advertisement including the box is automatically generated. | 2012-10-11 |
20120259711 | METHODS AND SYSTEMS FOR MERCHANT-CENTRIC PROMOTION GENERATION AND TARGETED PUBLISHING - A platform and methodology facilitates the design, execution and tracking of Internet-based retail promotions by the merchant offering the promotion. An integrated set of promotion tools (collectively, a platform) are provided to merchants that allow the merchant to create virtually any type of promotion, with any restrictions, limitations and level of discount as determined by the merchant. The promotion is distributed using any specified distribution channel or channels to any desired segment of consumers. The consumers may then “purchase” the promotion or otherwise interact with the merchant either on line or in-store. | 2012-10-11 |
20120259712 | ADVERTISING IN A VIRTUAL ENVIRONMENT - A method and system for placing advertising content in a three-dimensional virtual environment. A predefined space is selected for receiving the advertising content from an advertising provider. Information regarding the context of the space within the virtual environment is used by the advertising provider to select appropriate advertising content that relates to the context of the space within the virtual environment where the advertising content is to be placed. The advertising content can be content already existing on an advertisement server. The advertising content can change and alternate content can be substituted for the original content upon the occurrence of certain events. | 2012-10-11 |
20120259713 | APPARATUS, SYSTEM AND METHOD FOR A MEDIA ENHANCEMENT WIDGET - The present invention is and includes a device, system and method for providing an image enhancement widget. The device, system and method include a javascript component that, upon execution, obtains at least one subject of primary content on a networked page, and at least one permission for enhancement of the primary content, ones of a plurality of content produced remotely from the javascript component and according to the javascript component, and an enhancement widget. The enhancement widget may be a flash widget. | 2012-10-11 |
20120259714 | ALLOCATION APPARATUS AND ALLOCATION METHOD - An allocation apparatus registers the data of the commodity selected as allocation object of the key button from the commodities displayed the names in association with the key button which is specified, then, if the existence of the commodity which is associated with the registered commodity is confirmed, takes the associated commodity as allocation object of next key button. | 2012-10-11 |
20120259715 | INFORMATION GATHERING AND DECODING USING NEAR FIELD WIRELESS COMMUNICATION - An information gathering apparatus, such as a point-of-sale (POS) system may include a wireless data capture device capable of obtaining customer information from a wireless-enabled customer device. Data obtained by the wireless data capture device may be converted into a format that is compatible with a corresponding POS computer system. The wirelessly obtained data may be transmitted to the POS system along with data gathered using conventional data capture devices, such as optical readers, bar code scanners, radio frequency identifier (RFID) readers, and the like. | 2012-10-11 |
20120259716 | Method for Processing a Point of Sale Transaction Posted to a Credit Balance - The present invention provides a method for processing a point of sale transaction posted to a credit balance, wherein parameters are used to determine whether a transaction posted to a credit balance is electronically paid using a separate payment balance. | 2012-10-11 |
20120259717 | PAYMENT PROCESSING SYSTEM INCLUDING MOBILE WIRELESS COMMUNICATIONS DEVICE TO SEND A PAYMENT CONFIRMATION TO A TRANSACTION TERMINAL AND ASSOCIATED METHODS - A payment processing system includes a transaction terminal having a merchant account associated therewith and including a first wireless device. The payment processing system also includes a payment server, and a mobile wireless communications device having a purchaser account associated therewith and including a second wireless device and a processor coupled thereto and configured to send transaction information to the payment server. The payment server is configured to cause a transfer of funds from the purchaser account to the merchant account based upon the transaction information, and to send payment confirmation to the mobile wireless communications device based upon the transfer of funds. The processor is configured to send the payment confirmation to the transaction terminal via the first and second wireless devices. | 2012-10-11 |
20120259718 | Systems and Methods for Providing a Transaction Card Package Assembly Including Sample Product or Service - A transaction card package assembly comprising at least one transaction card, at least one sample product, and a card holder, and methods and system for processing the same. | 2012-10-11 |
20120259719 | Point of Sale Enhancement System and Method - A system for point of sale enhancement, the system comprising: a control data capturer, configured to capture control data of an operation on a POS (Point of sale) terminal computer of a first party, a transaction data extractor, in communication with the control data capturer, configured to extract transaction data from the captured control data, a query issuer, in communication with the transaction data extractor, configured to issue a query based on the extracted transaction data, and a remote computer of an intermediary party, in remote communication with the query issuer, configured to receive the query and generate a result for the received query, using information provided by a third party through remote communication to the remote computer. | 2012-10-11 |
20120259720 | METHOD AND SYSTEM TO CONFIRM OWNERSHIP OF DIGITAL GOODS - A method and system to confirm ownership of digital goods is provided. In one embodiment, the method comprises receiving, from a client device via a data network interface, a request for a digital good, completing one or more micro transactions with respect to a financial account, generating a code utilizing information derived from the one or more micro transactions and embedding the code into a first copy of the digital good, the code to be used to confirm ownership of the digital good. | 2012-10-11 |
20120259721 | System for Dynamically Pricing Tickets and Goods Through Reciprocal Dialogue and Conditions - A software apparatus existing on a network or network device or devices enabling buyers or their representation and sellers or their representation to engage in network-mediated dialogue regarding pricing for good and services, and to conclude a purchase or sale based upon that dialogue. The price can be dynamically adjusted based on profit optimization for the seller or cost minimization for the buyer. Alternatively or additionally, the price can be adjusted based upon the time of day or window of time, distance from the seller, one or more locales, aggregated and averaged buy offers from buyers, marketing analytics, or external world conditions. | 2012-10-11 |
20120259722 | INCREASED VISIBILITY DURING ORDER MANAGEMENT IN A NETWORK-BASED SUPPLY CHAIN ENVIRONMENT - A system, method and article of manufacture are provided for a first business entity to provide a network-based supply chain framework for collaborative order management between at least a second and a third independent business entity, such as a service provider, vendor, reseller, manufacturer and the like. A request for an order is received over a network with an automated system, from at least a second business entity. The order is transmitted over a network, with an automated system, to at least the third business entity. Information is received from the third business entity relating to a status of completion of the order by the third business entity using a network. The progress in completing the order is tracked based on the information received from the third business entity. Progress reports from the tracking are generated periodically; and transmitted to the second business entity using the network. | 2012-10-11 |
20120259723 | METHODS AND SYSTEMS FOR DISTRIBUTING SOLAR ENERGY CHARGING CAPACITY TO A PLURALITY OF ELECTRIC VEHICLES - A method of distributing charge capacity to electric vehicles in a charging system that includes a solar charge capacity generated locally. The method may include: determining a requested charge for the plurality of electric vehicles, calculating a requested charge time, the solar charge capacity comprising the total charging capacity of the charging system via solar generated energy; calculating a charge time capacity, the charge time capacity comprising the available charge time of the charging system; comparing the requested charge to the solar charge capacity; comparing the requested charge time to the charge time capacity; and if it is determined that either the requested charge is greater than the solar charge capacity or the requested charge time is greater than the charge time capacity, auctioning the solar charge capacity to operators of the plurality of electric vehicles. | 2012-10-11 |
20120259724 | Seller Initiated Incentives Based on Profile Information - In an example embodiment, a method at a network-based commerce system is provided. Here, the network-based commerce system facilitates a transaction of an item between a seller and a buyer. In this method, the buyer who has indicated interest in the item offered by the seller is identified. The buyer has not previously provided to the seller a profile associated with the buyer. The profile associated with the buyer is accessed, and this profile is communicated to the seller. Thereafter, an incentive from the seller is received, and this incentive is made based on the communication of the profile to the seller. The incentive is then communicated to the buyer. | 2012-10-11 |
20120259725 | System and Method for Selling Products and Services via a Network of at Least Three Computer Systems - A system and method allows one or more users to purchase an offering of goods or services using at least three computer systems, by one user making a proposal for the two to jointly consume the offering, and the other user accepting the proposal. | 2012-10-11 |
20120259726 | SYSTEM AND METHOD FOR DESIGNING, CREATING AND DISTRIBUTING CONSUMER-SPECIFIED PRODUCTS - A system and method for producing custom-designed objects. Design information is input to the system by a designer; an inquiry is input by a customer. Product information is presented to the customer relating to the inquiry; the product represents an embodiment of the design. The design may be iteratively modified in accordance with additional information input by the designer and/or product preferences input by the customer. After the customer places a product order, the product is delivered to the customer; the product may include components assemblable by the customer so that the customer obtains a customized product. | 2012-10-11 |
20120259727 | METHOD AND SYSTEM FOR PERSONALIZING IMAGES RENDERED IN SCENES FOR PERSONALIZED CUSTOMER EXPERIENCE - Systems and methods are described for generating and using a flexible scene framework to render dynamically-generated content within contextual scenes to personalize a customer's web experience. | 2012-10-11 |
20120259728 | System and Method for Sales Generation in Conjunction with a Vehicle Data System - Embodiments of sales generation, including sales generation employing reverse lead generation using vehicle data systems and methods, are presented herein. In particular, in certain embodiments a user may utilize the vehicle data system to obtain pricing data corresponding to a desired vehicle configuration. When the user is presented with the pricing data associated with the specified vehicle configuration the user may additionally be presented with an upfront price offered by a dealer, where by providing their personal information the user may obtain the name of the dealer offering the upfront price and may additionally be offered the opportunity to purchase the desired, or similar, vehicle at the upfront price. | 2012-10-11 |
20120259729 | 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. | 2012-10-11 |
20120259730 | SYSTEM AND METHOD FOR PROVIDING ACCESS TO PRODUCT RELATED ELECTRONIC CATALOG FUNCTIONALITY - An aggregation of functionality related to a product within an electronic catalog hosted by a wholesaler web system is provided by presenting on a client computing device a webpage in which a single product is directly associated with a single access point. The single access point provides a means by which plural wholesaler web system functions related to the single product are made available to a consumer. A listing of the plural wholesaler web system functions related to the single product is displayed within the webpage in response to an activation of the single access point by the consumer. In response to a selection by the consumer from the displayed listing the wholesaler web system initiates a performance of the one of the plural wholesaler web system functions so selected. | 2012-10-11 |
20120259731 | RFID IONOSPHERE - A method, system, and apparatus are disclosed wherein an RFID transponder response signal is coupled with a data file as an identifier. The RFID transponder response signal is used in its raw, or a digitized version of its raw, state. | 2012-10-11 |
20120259732 | METHOD AND SYSTEM FOR LOCATING A PRODUCT IN A STORE USING A MOBILE DEVICE - A method of locating a product in a store using a mobile device is provided. The mobile device communicates with a store server through a local area network and retrieves location information for the product. Low granularity product and location information is received at the device from a store server as the user enters the store. Higher granularity location information is later received at the device depending on position of the device in the store. Pre-stored product choices in a shopping list application may be used to navigate to locations of successive products in the list. | 2012-10-11 |
20120259733 | MANAGING TRANSACTIONS OF BROKER AFFILIATES - A distributed network transaction system and method includes a central exchange computer connected via the Internet (world wide web) to multiple remote computers associated with, for example, individual brokers. A central database is provided with the exchange computer and each remote computer can have a respective database for information that the individual brokers was to maintain separate from the system. E-commerce transactions are conducted by the system, which performs a number of transaction-related functions, such as pushing tickets up to the system for sale, purchasing tickets online, shipping, web site-related and bookkeeping. The system and methodology accommodate price event functions where non real-time tickets can be sold and the orders filled with tickets acquired on the system. | 2012-10-11 |
20120259734 | METHODS AND APPARATUS FOR CONDUCTING ELECTRONIC TRANSACTIONS - A system and method for conducting electronic commerce are disclosed. In various embodiments, the electronic transaction is a purchase transaction. A user is provided with an intelligent token, such as a smartcard containing a digital certificate. The intelligent token suitably authenticates with a server on a network that conducts all or portions of the transaction on behalf of the user. In various embodiments a wallet server interacts with a security server to provide enhanced reliability and confidence in the transaction. In various embodiments, the wallet server includes a toolbar. In various embodiments, the digital wallet pre-fills forms. Forms may be pre-filled using an auto-remember component. | 2012-10-11 |
20120259735 | METERED DELIVERY OF WIRELESS POWER - A system is disclosed for charging or billing for access to wireless power. The device requiring power communicates with the power provider and the billing method is determined. A consumer may be required to provide billing information, or if the billing information is already associated with an existing account, the consumer account is automatically charged for the wireless power. The account may include prepaid charging minutes that are debited as wireless power is provided, or the account may be billed for the wireless power that is provided. The charging/billing for the wireless power may be used to receive value for the power that is provided, while remaining consumer friendly. | 2012-10-11 |
20120259736 | ON-LINE SALES CHAIN INFRASTRUCTURE SUPPORTING MULTIPLE DIFFERING BRIDGING TRANSACTIONS WITH SELLER SYSTEMS - A sales system supports sales between a plurality of buyers and a plurality of sellers in a communication network. A sales server has a seller interface used by both a first seller and a second seller respectively via a first seller's computer and a second seller's computer to register availability for sale of a first product and a second product. The sales server, based upon received buyer input from an identified buyer via a buyer computer that includes buyer orders for the first product and the second product dispenses a first sales order to the first seller's computer for the first product and a second sales order to the second seller's computer for the second product. The sales server provides instructions to the first seller's computer for fulfillment of the first sales order and to the second sales computer for the fulfillment of the second sales order. | 2012-10-11 |
20120259737 | SYSTEMS AND METHODS FOR INTEGRATION OF A MUSIC POD SYSTEM - A method for integrating a network-enabled music application with a platform. The platform is configured to render the network enabled application for a user, via a user interface associated with the user, in accordance with various APIs included in the platform and used by a program developer to develop the network enabled music application. The rendering can included recognizing that the user interface is a mobile user interface and rendering the network-enabled music application in a manner appropriate and/or optimal for the mobile user interface. The platform may be a social networking site. | 2012-10-11 |
20120259738 | ITEM MODEL BASED ON DESCRIPTOR AND IMAGES - A model generation machine may form all or part of a network-based system. The model generation machine may generate an item model (e.g., a 3D model of the item) based on a set of images of an item and based on a product model (e.g., a 3D model of a product of which the item is a specimen). The item may be available for purchase from a seller. The model generation machine may access the set of images, as well as a descriptor of the item. Based on the descriptor, the model generation machine may identify the product model. Accordingly, the model generation machine may generate the item model from the identified product model and the accessed set of images. | 2012-10-11 |
20120259739 | METHOD OF ACQUIRING PRODUCTS FROM VENDOR WEBSITES - A method for retrieving product codes from a Vendor Website over a network and inserting the product codes into an Affiliate Website. A search of the Vendor Website is conducted based on a keyword list created by a registered affiliate and product codes are acquired including graphic data and descriptive text for products obtained in the search. A unique identification code is inserted into the product codes, which are stored in a products database and displayed along with manually activatable editing buttons which allow the registered affiliate to edit the products database. The products database is uploaded to a server to serve the products database along with the Affiliate Website so that viewers of the Affiliate Website can purchase the products. | 2012-10-11 |
20120259740 | SYSTEM AND METHOD FOR VIRTUAL PIGGYBANK - A method of providing control preferences for a prospective Internet user, the method comprising the steps of establishing a first account, the settings of the first account being stored in a database; establishing a second account, the settings of the second account being stored in the database; linking the first and second accounts such that control settings of the second account are determined through the first account; and making a purchase from the second account consistent with the control settings of the second account. | 2012-10-11 |
20120259741 | INFORMATION PROVISION DEVICE, INFORMATION PROVISION METHOD, INFORMATION PROVISION PROGRAM, AND COMPUTER-READABLE STORAGE MEDIUM FOR STORING SAID PROGRAM - To determine candidates for product purchase in electronic commerce more easily when a user purchases an attracting product through electronic commerce, the server ( | 2012-10-11 |
20120259742 | SERVER APPARATUS, PRODUCT DISPLAY METHOD, PRODUCT DISPLAY PROGRAM, RECORDING MEDIUM WITH COMPUTER-READABLE PRODUCT DISPLAY PROGRAM RECORDED THEREON, AND PRODUCT DISPLAY SYSTEM - A server apparatus that a customer hardly forgets to order a product when the customer orders products is provided. Product display data that refers to a storing means that stores a plurality of belonged products that belong to a product group so as to be associated with a group name for a plurality of product groups, extracts the product group to which the order scheduled products belong from the product groups stored in the storing unit whenever a user selects a predetermined number of order scheduled products that are scheduled to be ordered, and displays the belonged products and the group name for every extracted product group is transmitted to the terminal device. | 2012-10-11 |
20120259743 | SYSTEM AND METHOD FOR ROOM DESIGN VISUALIZATION - The disclosed system and method provide the user with the capability of selecting from among various particular products utilized in the design of an interior space, such as a kitchen, reviewing product specifications, design and finish combinations, and visualizing the products, both in isolation and placed in a photorealistic depiction of the selected products in one of a selected number of different room layouts. The system provides the user with the option of creating a unique account, including contact information, and information relating to one or more product selections preferred by the customer, which may then be electronically transmitted by the customer to a selected location remote from the system. The system and method may also provide the capability for a limited group, such as product manufacturer and/or dealer personnel, to access one or more of the customers' unique accounts to obtain contact information and/or product preferences for the customers. | 2012-10-11 |
20120259744 | SYSTEM AND METHOD FOR AUGMENTED REALITY AND SOCIAL NETWORKING ENHANCED RETAIL SHOPPING - An augmented reality system is necessary for providing assistance for the customer in retail purchase decision. The augmented reality system comprising a one data sending module which is configured to send retail product information to the central server module is provided. A central server module configured to receive the retail product information from the data sending server where, the central server module is attached to a processor to process the retail product information. Processing the retail product information at the central server module, wherein the central server module retrieves retail product information from multiple databases which contains the retail product information. A data receiving module configured to receive the retail product information from the central server module. An application server configured to accept input from a user and to share the user details with a social networking platform. | 2012-10-11 |
20120259745 | METHOD AND APPARATUS FOR CENTRAL ACCOUNTING AND BILLING SYSTEM FOR ENTERPRISE EMPLOYING MOBILE FIELD SERVICE INVENTORIES - A central accounting and billing system for enterprises providing service and supply operations for business machines located in a plurality of customer locations employing a fleet of vehicles each carrying a trunk inventory of frequently required repair parts and supplies. An ERP system at a central location generates machine-readable identification tags which are applied to parts and services carried in each of the trunk inventories and are applied to the machines to be serviced. Smart handheld devices such as cell phones contain programs which allow the identification tags to be read and communications to be established to the central ERP system relating to transfer of goods and supplies into and out of the trunk inventory and to the businesses and also the time involved in servicing particular machines at particular businesses in order to generate bills from the central enterprise to such businesses. | 2012-10-11 |
20120259746 | System and Method for the Automated Auditing and Viewing of Transaction Documents - One aspect of the invention is a method and system for auditing transaction documents that includes searching a database to identify transaction documents satisfying at least one query criteria. The transaction documents are pre-loaded in a temporary storage space, and a first transaction document is displayed to a user. A user input is received from the user. In response to receiving the user input, at least one operation is performed on the first transaction document. A second transaction document is automatically displayed to the user without further user input. | 2012-10-11 |
20120259747 | METHOD AND APPARATUS FOR CONTROLLING SERVICE TRAFFIC IN A COMMUNICATION NETWORK - A method and corresponding apparatus for controlling service traffic in a communication network comprising in an online charging system performing the steps of receiving a request for service traffic control, the request including at least data identifying a first communication network account; determining, based on the received data and a predefined set of rules, a first network traffic policy profile associated with the first account; transmitting to a Policy and Charging Rules Function PCRF a first policy control command including an identifier identifying the first network traffic policy profile stored in an network traffic policy profile entity, to be applied in controlling the service. | 2012-10-11 |
20120259748 | MOBILE EXPENSE CAPTURE AND REPORTING - A mobile computing device based expense capture and reporting system is provided. A mobile expense capture application is an integral part of a networked expense management service such as a Customer Relationship Management (CRM) or Enterprise Resource Planning (ERP) service. A user interface enables users to enter expense related information and accept/reject/edit prompted values for various entries. Upon completion of the entries, the information is transmitted to the networked service and/or stored locally. At least a portion of the information is automatically provided based on a location and/or action of the user. Furthermore, the mobile computing device is capable of capturing an expense document and retrieving at least some of the expense information from the captured document. | 2012-10-11 |
20120259749 | DEMAND RESPONSE SYSTEM AND METHOD USING A SMART PORTAL - The demand response system comprises an automatic meter reading (AMR) unit to generate metering information. The demand response system comprises a multiple utility complex unit (MUC) which provides DR information based on the metering information and manages utility supply schedule in combination. The demand response system comprises an eco index (EI) calculation unit which calculates an eco index based on the metering information. The demand response system comprises a demand response (DR) unit which obtains the CBL information based on the metering information and computes a the DR bill by using the CBL data, the DR information and EI obtained, and outputs the DR bill. The demand response system comprises a smart portal (SP) unit which provides users with the calculated DR bill. According to the disclosure, the demand response system can provide environmental and social information, in addition to economic information. | 2012-10-11 |
20120259750 | Methods, Systems, and Products for Processing Communications - Methods, systems, and products select an account number of payment of a communication. When multiple account numbers are associated with a customer, the customer is prompted to select the account number that is billed for the communication. | 2012-10-11 |
20120259751 | Escrow Accommodation method and system - An escrow accommodation method and system adapted for deployment via the offices of brokers, mortgage companies, lending institutions and title insurers to facilitate remote video-conferencing of potential buyers and sellers with independent escrow agents. The design includes contracting with and/or contacting at least one escrow company to provide escrow services from a remote location; contracting with and/or contacting at least one non-escrow company, e.g., broker, mortgage company, lending institution, and/or title insurer, to allow remote escrow services to be provided at an office of at least one non-escrow company; and enabling the provision of escrow services by the escrow company to an individual located at the office of at least one non-escrow company via a videoconferencing system disposed between the escrow company and the office of the non-escrow company. | 2012-10-11 |
20120259752 | FINANCIAL AUDIT RISK TRACKING SYSTEMS AND METHODS - A system is provided for audit risk and tracking (ART) including an audit firm application (ART1) and a client bank application (ART2). The system maintains a data model of control activities for a best practices bank (BPB), against which control activity gap assessments are conducted for client banks. An interactive gap assessment report allows insight into controls that are lacking versus the BPB. The ART1 and ART2 systems interact to allow the client bank to interact with the audit firm to cooperate in assessing and managing business initiatives and other control, audit, and ERM activity. Novel risk scoring assessments are provided to help manage client bank controls in relation to the BPB model. A web service is provided that automatically updates the BPB model from ART1 to ART2. | 2012-10-11 |
20120259753 | SYSTEM AND METHOD FOR MANAGING COLLABORATIVE FINANCIAL FRAUD DETECTION LOGIC - A system and method for sharing detection logic is disclosed. Detection logic may be uploaded to a network. Detection logic may shared by for example enabling devices to download detection logic from the network. Detection logic may be provided to a detection system that may operate based on the provided logic to detect risks. A detected risk may be related to financial transactions. Other embodiments are described and claimed. | 2012-10-11 |
20120259754 | AUTOMATED ENCODING OF FIELD OPERATORS - In one example, a method includes: receiving a first input value associated with a first data field; responsive to determining that the first data field is associated with an equivalence operation, selecting a second input value associated with a second data field of a previously transmitted message, wherein the second input field corresponds to the first input field; comparing the first input value and the second input value to determine if the first input value and the second input value are equivalent; and when the first input value and the second input value are equivalent, generating a message that omits the first input value for the first data field, and providing an operator symbol indicating the equivalence operation to specify that the second input value of the second data field in the previously transmitted message is to be associated with the first data field of the message. | 2012-10-11 |
20120259755 | AUTOMATED ENCODING OF FIELD OPERATORS - In one example a method includes: receiving a first input value associated with a first data field; responsive to determining that the first data field is associated with an increment operation, selecting a second input value associated with a corresponding second data field of a previously transmitted message; comparing the first input value and second input value to determine if the first input value includes a sum of the second input value and an increment value; when the first input value includes the sum of the second input value and increment value, generating a message that omits the first input value for the first data field, and providing an operator symbol indicating the increment operation to specify that the first data field of the message is to be associated with the sum of the increment value and second input value of the second data field in the previously transmitted message. | 2012-10-11 |
20120259756 | AUTOMATED ENCODING OF FIELD OPERATORS - In one example, a method includes: receiving a first input value associated with a first data field; responsive to determining the first data field is associated with a delta operation, selecting a second input value associated with a corresponding second data field of a previously transmitted message; comparing the first input and second input values to determine if the first and second input values are equivalent; when the first and second input values are not equivalent, generating a message, wherein the first data field includes only data of the first input value not included in data of the second input value, and providing an operator symbol indicating the delta operation to specify that the first data field of the message includes only data of the first input value that is not included in data of the second input value associated with the second data field of the previously transmitted message. | 2012-10-11 |
20120259757 | METHOD AND ARRANGEMENT FOR CHANGING MARKET MODEL IN AN AUTOMATED EXCHANGE - In an automated exchange comprising a matching module and a dissemination module a market model state is controlled in the matching module and in the dissemination module, respectively. Hereby it is made possible to, during ongoing trading, change market model for the automated exchange. | 2012-10-11 |
20120259758 | Systems and Methods for Foreign Exchange Risk Management - An exemplary method may comprise forecasting a foreign exchange exposure for first and second periods of time, hedging risk based on the forecasts of the foreign exchange exposure, the hedging based on the forecasts of the foreign exchange exposure for the first and second periods of time, wherein hedging is performed utilizing currency contracts with a single maturity date in a single month, retrieving information in real-time from a database of foreign currency contracts to confirm that the risk has been hedged, hedging changes in foreign exchange exposure that result from changes in the forecast of the foreign exchange exposure for the second period of time, wherein the hedging is performed utilizing currency contracts with the single maturity date in the single month, and displaying a comparison of results of hedging with results of accounting from enterprise resource planning (ERP) system. | 2012-10-11 |
20120259759 | Authorization of a Trading Strategy Algorithm - Systems, methods, and computer-readable storage media are provided for authorizing a trading algorithm prior to execution of the trading algorithm. An example method includes receiving a trading algorithm definition associated with a unique identifier and sending the unique identifier to an algorithm server that is operable to execute programming code representing the trading algorithm. The unique identifier may be associated with a trader authorized to execute the programming code. The algorithm server may check the unique identifier prior to execution of the programming code to ensure that the trading algorithm has been authorized | 2012-10-11 |
20120259760 | HYBRID ENERGY MARKET AND CURRENCY SYSTEM FOR TOTAL ENERGY MANAGEMENT - A hybrid energy market and currency system is provided to manage energy consumption in an energy market comprising a community of users. A central energy authority issues energy currency units to users and sets an exchange rate between the energy currency units and a monetary currency unit, thereby setting a variable price for energy. Energy currency units have a defined validity period at the end of which the energy currency unit is automatically converted to monetary currency units by the central energy authority. Users consume energy currency units through use of energy consumptive services, such as domestic consumption of electricity and water, and through use of transportation. Users are also able to buy additional energy currency units from the central energy authority, and to sell them back. Users cannot speculatively trade energy currency units. Prices are set by comparing the cumulative actual and desired demand | 2012-10-11 |
20120259761 | Low Latency Financial Data Network Architecture - A financial market data network having a lowered overall latency includes communication interfaces, specialized switches having internal switching fabric, and feed handlers that all facilitate communications between financial exchanges and consumers of financial market data therefrom. A feed handler is situated within or proximate a specialized switch and is arranged to receive raw financial market data directly from financial exchanges without the data first traveling through any switching fabric. The feed handler is adapted to process the received raw financial market data into a normalized format before the normalized financial market data is ever routed through any switching fabric, prior to being sent to consumers. The communication interfaces can include I/O ports located on the specialized switches, and the feed handlers can include one or more computer processors or servers. Additional internal switch components can include packet processors and storage components that store network protocols and/or layer tables. | 2012-10-11 |
20120259762 | Network-Based Systems, Methods, and Apparatuses for Constructing and Executing Transactions - In part, the invention relates a graphical trading algorithm platform configured to construct algorithms for execution in a cloud computing environment and related methods. In one embodiment, an exemplary method includes displaying a plurality of drag and droppable widgets within a computer generated graphical environment, each icon associated with a component of an event algorithm; processing a plurality of the widgets in a predetermined order when such widgets are arranged in a sequence corresponding to steps in the event algorithm; monitoring data feeds relating to an event of interest, wherein the event of interest is selected from the group comprising of stock changes, news events, market events, and regulatory events; and executing the action within a time period P when conditions defined by the event algorithm are satisfied. | 2012-10-11 |
20120259763 | APPARATUS AND METHOD OF A DISTRIBUTED CAPITAL SYSTEM - Methods, systems, and articles of manufacture consistent with the present invention provide for conducting financial transactions over a network. A user requests to execute at least one financial transaction with at least one of a number of parties, each of the parties corresponding to a data processing system on the network. Real-time financial information relating to the financial transaction is obtained, and the user can test and confirm that the financial transaction with the at least one party can take place prior to execution of the financial transaction. | 2012-10-11 |
20120259764 | Simulation Auction for Public Offering - The invention provides a method and system to estimate demand, pricing, allocation and aftermarket demand for public offerings via a simulation auction using collaborative forecasting. The simulation auction incorporates features to enhance participant knowledge about a particular company and its proposed auction. The simulation auction may be used to collect information regarding likely or equilibrium pricing of actual offerings, as well as to generate demand curve provides for different types of participants (e.g. retail and institutional investors). | 2012-10-11 |
20120259765 | System and Method for Holding and Sending an Order to a Matching Engine - A user can submit an order to buy or sell a tradeable object, only the order does not get sent to the matching engine. Instead, the order is placed in temporary storage and it is displayed to the user in the form of a virtual order icon. The virtual order icon indicates that an order request is waiting for an event to occur before it is automatically released to the matching engine. The virtual order icon can be managed by the user, which might include moving the icon to a different price level or deleting it. The system continuously monitors for an event to take place. In response to detecting the event, the order is released to the matching engine. As such, the virtual order icon is transformed or removed and a real order icon is displayed indicating that the order has now been sent to the matching engine. | 2012-10-11 |
20120259766 | System and Method for Chart Pattern Recognition and Analysis in an Electronic Trading Environment - A system and method are provided for chart pattern recognition and analysis. In one embodiment, a graphical interface is provided to enable a trader to select a portion of a chart to be used in the chart pattern analysis. The pattern of the selected portion of the chart could then be used to find one or more similar chart patterns in a user-defined timeframe, such as any future time period or a time period in the past. When a reoccurring chart pattern is found in any future time period, an alert signal can be generated to alert a user of a possibility of the chart pattern reoccurrence. Alternatively, chart pattern matches can be found in a time period in the past, and a set of studies can be applied to the found matches to generate a set of reoccurring indicator values. The reoccurring indicator values can be used in combination with the chart pattern to detect any similar chart patterns in the future. | 2012-10-11 |
20120259767 | System and Method for Coalescing Market Data at a Network Device - A network device coalesces data received from an exchange, and provides a user with the opportunity to receive fewer, but up-to-date, data updates from an exchange when duplicate prices become available or a large volume of prices becomes available suddenly. Accordingly, the trader can be assured of receiving non-duplicated prices that are fed at a rate that is cohesive with that trader's connection speed. The present invention is designed to conserve on bandwidth thereby increasing the likelihood that bandwidth will be available to receive desirable market information. | 2012-10-11 |
20120259768 | SYSTEM AND METHOD FOR PROVIDING PROXY ACCOUNTS - In various example embodiments, a system and method for providing a proxy account is provided. A transaction request initiated through a proxy account is received. The proxy account is a dependent, non-funded subaccount of a master account. A determination of whether a transaction of the transaction request satisfies restrictions and an amount limit established for the proxy account is performed. Based on the transaction satisfying the restrictions and the amount limit, the transaction is processed against a funding instrument of the master account. | 2012-10-11 |
20120259769 | APPARATUS, SYSTEMS, AND METHODS TO FACILITATE THE INTERACTION BETWEEN PARTIES - Devices, systems and methods for facilitating interactions between individuals are disclosed. The exemplary method may include providing member facility information and allowing other members to review the facility information. Members may request a meeting with another member with details of the requested meeting via the system. The request is transmitted to another member and the other member may accept, deny, or modify the request by the other member. Members may have an other members inclusive list or other members exclusive list to assist in facilitating interactions. Ratings may be used to rate other members and interaction facilities to aid in facilitating future interactions. | 2012-10-11 |
20120259770 | Method and System for Processing Internet Payments Using the Electronic Funds Transfer Network - 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. | 2012-10-11 |
20120259771 | APPARATUS AND METHOD FOR PROVIDING A TRANSACTION SERVICE - An apparatus and method for performing a transaction service, which includes receiving, by a service server, a transaction ID request for the transaction service with a service provider, from a user terminal, generating a transaction ID in response to the transaction ID request, providing the transaction ID to the user terminal, and receiving a transaction specification that corresponds to the transaction ID, from the service provider. The transaction specification is generated by the service provider using the transaction ID that is provided to the user terminal. | 2012-10-11 |
20120259772 | Electronic money transfer embedded in social media communities - The systems and methods described include a method of electronically transferring funds from one person to another person. This system offers the option of using a social application for the process or of using solely the actual system called The Vault. The method of use includes at least one user to send the funds and at least one user to receive the funds. Each user establishes an account within a social application and or an account with the system called The Vault. The sender electronically sends a request for funds to be released to a receiving party, the funds are then verified and or cleared by the system called The Vault and then they are transferred to the receiving party. | 2012-10-11 |
20120259773 | Account Contribution Management - An ability to expose and display a current billing amount associated with a billing account in a billing system to one or more third parties, and to link one or more payments from the one or more third parties to the billing account in an account receivable system is provided. A user may create, publish, and share a fundraising webpage, which when accessed by a third party, allows the third party to send a payment in the form of a contribution or donation. An intermediary system allows for secure communication of billing account data from the accounts receivable system to the third party, allowing the third party to interact with the accounts receivable system as if the third party is in direct communication with the accounts receivable system. | 2012-10-11 |
20120259774 | PAYMENT METHODS USING ELECTRONIC DEVICES - Various payment methods utilizing wireless or wired devices are disclosed, such devices that use radio electric spectrum frequencies. The methods include all types of payment operation transactions utilizing conventional financial instruments. These methods include authentication processes, information encryption, and encryption certificaton to guarantee the security of the transactions. | 2012-10-11 |
20120259775 | Application Method of Mobile Terminal Electronic Wallet and Mobile Terminal - Disclosed in the present invention is an application method for a mobile terminal electronic wallet, including: monitoring a transaction event carried out by the mobile terminal via the NFC chip; when the transaction event happens, acquiring transaction message regarding the transaction event sent by a universal integrated circuit card (UICC) via the NFC chip; and sending the transaction message to a JAVA module, starting up a corresponding JAVA application, and providing the consumption situation of the transaction event to a user. Also disclosed in the present invention is a mobile terminal, wherein, an acquiring module is used for acquiring transaction message regarding the transaction event sent by a UICC via the NFC chip after a monitoring module monitors the transaction event; and a sending module is used for sending the transaction message to a JAVA module and starting up a corresponding JAVA application but cannot be displayed automatically is solved. | 2012-10-11 |
20120259776 | DYNAMIC PRE-QUALIFICATION - Embodiments of the invention are directed to systems, methods and computer program products for determining whether an account is eligible to participate in a banking service. In some embodiments, a method includes: (a) receiving information associated with an account; (b) determining, based at least partially on the information, that the account is eligible to participate in a banking service; and (c) presenting, in an electronic banking environment accessible to a holder of the account, an identifier associated with the banking service, where the presenting is based at least partially on the determining that the account is eligible. In some embodiments, the method further includes activating the banking service for the account. In some embodiments, the identifier is embodied as an input feature that enables the holder to enroll in the banking service. In other embodiments, the identifier is embodied as an input feature that enables the holder to use the banking service. | 2012-10-11 |
20120259777 | SYSTEM AND METHOD FOR PROVIDING CUSTOMERS WITH SEAMLESS ENTRY TO A REMOTE SERVER - The present invention provides a seamless entry system that comprises a universal session manager. Users connect to the host service provider with a unique username and password. Then, through a series of data exchanges between the universal session manager, a validation database, and the remote service module, the customer may be transparently logged into remote service providers. Internet banking customers utilize a browser system to connect to a host server providing a range of banking services supported by a remote or distinct server. According to the method, the customer first enters a username and password to gain access to the host service provider. The universal session manager transmits data required for login to the remote service provider. The user is thus able to utilize the remote services with his/her web browser system without having entered a username or password particular to the remote service. | 2012-10-11 |
20120259778 | VIRTUAL ATM - Embodiments of the present invention relate to systems, methods and computer program products for processing transaction information associated with a mobile banking transaction. In some embodiments, a method includes: (a) receiving transaction information associated with a mobile banking transaction, where the mobile banking transaction is performed using a mobile device; (b) determining, based at least partially on the transaction information, that the mobile device is positioned at a particular location during the transaction; (c) determining, using a processor, that the particular location is associated with a virtual ATM; (d) designating the transaction for processing in accordance with one or more rules associated with the virtual ATM; and/or (e) processing the transaction based at least partially on the transaction information and in accordance with one or more rules associated with the virtual ATM. In some of these embodiments, the mobile banking transaction is a mobile deposit transaction. | 2012-10-11 |
20120259779 | SYSTEM AND METHOD FOR CASHLESS PEER-TO-PEER PAYMENT - Embodiments of the present invention provide a method for a server performing a wireless payment transaction, comprising: providing a server web page or native application including options for a user selecting a role as payer or payee; requesting information from the payee including a transaction ID provided by the server; requesting information from the payer including the transaction ID; initiating an authorization of the transaction on a credit or debit account of the payer; initiating a transaction to credit the payee's account; and completing the transaction with the payer by initiating the offline clearing of the transaction. | 2012-10-11 |
20120259780 | METHOD, TERMINAL AND SYSTEM FOR PROVIDING DATA TRANSMISSION AND FINANCIAL TRANSACTION BASED ON THE POSITION OF MOBILE TERMINALS HAVING SHORT-RANGE COMMUNICATION FUNCTION - Method and terminal for performing a financial transaction based on a relative position between terminals. A system for performing a financial transaction based on a relative position of mobile terminals includes: a user terminal configured to generate payment data in association with a transaction amount and to deduct the transaction amount from a payer account; a transaction terminal configured to receive the payment data from the user terminal by use of short-range communication and to add the transaction amount corresponding to the payment data to a payee account; and a financial server configured to approve the financial transaction based on the payment data, wherein the payment data is determined by a positional relationship between the user terminal and the transaction terminal. | 2012-10-11 |
20120259781 | BROKER-MEDIATED PAYMENT SYSTEMS AND METHODS - In certain embodiments of systems and methods for conducting payment transactions between a payer and a payee, the payer selects one or more payment sources from various funding sources and accounts available to the payer, and instructs a payment broker's server to perform payment authorization and/or payment routing and clearing services on the payer's behalf. The payment broker's server notifies the payer and/or the payee of the payment authorization status and, if approved, instructs the funding source to send the payment to or for the payee without divulging the payer-selected funding source or account to the payee. | 2012-10-11 |
20120259782 | MULTIPLE TOKENIZATION FOR AUTHENTICATION - Embodiments of the present invention are directed generally to systems, methods, and apparatuses for authenticating a cardholder using multiple tokenization authentication. Embodiments of the invention are directed at a method. The method includes receiving at a first entity a first token from a consumer and determining a second token associated with the first token. Once the second token is determined, the second token is sent to a server computer at a second entity. The server computer then determines an account identifier associated with the second token and processes a transaction using the account identifier. | 2012-10-11 |
20120259783 | SYSTEM FOR PERSONAL AUTHORIZATION CONTROL FOR CARD TRANSACTIONS - An authorization system allows for cardholder-provided parameters to a personal authorization subsystem. The parameters can be selected by the cardholder to limit the authorizations that would otherwise be granted on the card. The parameters can indicate limits by frequency, dollar amount, merchant, geographic location, time of day, combinations thereof, or the like. Authorization for a given transaction, even where authorized by an issuer and a network operator, might be denied based on self-constraints set by the cardholder. In some variations, messages are sent to the cardholder based on constraints set by the cardholder and transactions might be approved and messaged, or denied and messaged. | 2012-10-11 |
20120259784 | FRAUD AND REPUTATION PROTECTION USING ADVANCED AUTHORIZATION AND RULES ENGINE - Systems and methods are presented for analyzing a credit card or other financial transaction and, based on whether a score for the transaction meets or exceeds a user-selected threshold, sending a transaction notification message to a consumer's electronic device such as a cell phone. | 2012-10-11 |
20120259785 | AUTOMATED CUSTOMER RELATIONSHIP MANAGEMENT SYSTEM AND METHOD - The present invention generally relates to online social networking. Specifically, this invention relates to a system and method for providing a content evaluation and social networking platform that allows users to interact through the use of various roles, develop reputations through a personal and peer based rating system and exchange goods and services through use of an online currency that may be traded and exchanged in various real world currencies. | 2012-10-11 |
20120259786 | Method of Producing and Distributing Copyrighted Content - The present disclosure teaches methods for producing and distributing content through a network in a way that is practicable and economical for both the owners of the content and the delivery service providers. The present disclosure teaches methods of using content to drive multiple revenue streams from a website that distributes such content. | 2012-10-11 |
20120259787 | PATENT CLAIM MATRIX AND NON-LITERAL INFRINGEMENT - Various embodiments include methods and systems for a patent claim matrix and non-literal infringement analysis. A patent claim can be determined that a target technology does not literally infringe. A prior version of the patent claim can be determined that the target technology does literally infringe. A user interface can then be presented to show a user that the target technology does not infringe the claim based on the doctrine of equivalents. | 2012-10-11 |
20120259788 | NON-DESTRUCTIVE MEDIA PRESENTATION DERIVATIVES - The claimed subject matter relates to various architectures that can, inter alia, facilitate creation of a synch file as well as facilitate interpretation of the synch file. Both creation and interpretation can be accomplished in conjunction with an original media asset. The synch file can include transformation commands that can operate on a presentation of the asset rather than upon the asset itself. Accordingly, what is actually perceived by a content consumer during a presentation of the asset need not be exactly what the asset creator fixed in a tangible medium. Rather, the content consumer can observe a derivative media presentation based upon interpretation of the synch file. | 2012-10-11 |
20120259789 | Methods and Systems for Accessing Information Related to An Order of a Commodity - Methods of allowing a customer to access information related to an order of a commodity include entering the information into a central database, updating a content of a web-based application with the information within the central database, and allowing the customer to access the information via the web-based application. Systems for allowing a customer to access information related to an order of a commodity include a server configured to store the information in a central database, one or more terminals having one or more applications configured to enter the information into the central database, and a web-based application configured to allow the customer to access the information within the central database. | 2012-10-11 |
20120259790 | FOLLOWING DEALS IN A SOCIAL NETWORKING SYSTEM - Social networking systems allow users to track deals offered by deal providers. A user can send a request to follow a deal to the social networking system. The social networking system sends information describing actions associated with the deal performed by other users connected to the user via the social networking system. The actions associated with the deals can be interactions of users with the deal or interactions of users with objects associated with the deal. Examples of interactions with a deal include liking the deal, commenting on the deal, and recommending the deal. Examples of interactions with objects associated with the deal include commenting on a business profile associated with the deal and being tagged in an image of a location associated with the deal. The social networking system may provide information describing these interactions via a channel used for reporting information, for example, newsfeed. | 2012-10-11 |
20120259791 | SYSTEM AND METHOD FOR SOCIAL NETWORKING - A system and method of the present invention pertains to a mobile social networking application intended to be used by the members of a social network as a tool for trading personal services and offering services between each other. The system allows each user to automatically locate other users located within specified radius and offering services that the user desires to benefit from. Each user creates a profile that includes user's personal information such, as for example, name, gender, address, phone number, hobbies, college information, and more importantly the list of services the user can offer and services that the user is looking to receive or benefit from. | 2012-10-11 |
20120259792 | AUTOMATIC DETECTION OF DIFFERENT TYPES OF CHANGES IN A BUSINESS PROCESS - Systems and methods are provided for the automatic detection of different types of changes in a business process. A system includes a transformer for performing a transformation on data derived from process traces or models extracted from the processes traces to generate transformed data. The process traces are for a business process corresponding to a set of related tasks for a specified goal. Each of the models has at least a transition matrix of dimension N×N, where N is a total number of the related tasks. The system further includes a change detector for performing change detection on the transformed data to identify at least one of when a change occurs in the business process and a degree of the change. | 2012-10-11 |
20120259793 | Transaction Model With Structural And Behavioral Description Of Complex Transactions - A model is used to provide a user interface to track flows through at least one application of a computer system. The model relates the structural aspects of the at least one application to a behavioral model such as a business transaction hierarchy. The structural part of the model includes linked Vertex and Edge records. Vertex records for different instances of a component can be aggregated to provide a single vertex or node for display in a user interface. A Vertex record is linked to an Agent record and a Metric Path record. The Edge records identify tail and head components of a call. A set of Edge records can be associated with a Transaction record in the behavioral part of the model. A Transaction record can be associated with a Business Transaction Record, and a Business Transaction record can be associated with a Business Service Record. | 2012-10-11 |
20120259794 | Method and Apparatus for Visualizing and Analyzing Unit Pricing for Digital Product Purchases to Determine Revenue Optimization Opportunities for Service Provider - Customers who purchase a digital service under a subscription-like payment model are grouped according the value each receives, which is computed from stored transaction data as the amount the customer pays divided by the benefit the customer receives. Customers who pay more or less than a mid-range “normal” price may be given price adjustments to bring the value they receive closer to the normal price. | 2012-10-11 |
20120259795 | FIXED INCOME INSTRUMENT YIELD SPREAD FUTURES - A futures contract and method of computing a settlement price thereof are disclosed that enables a market participant to shed or acquire financial exposure in a conventional bond spread, in the form of single futures contract, rather than as a bona fide spread requiring active management of distinct long and short component bond positions, e.g. legs. The notional financial exposure of the futures contract is sized, not in terms of notional amounts/quantities of assets represented in the components of the futures contract's reference spread, but rather in terms of the pecuniary value of one basis point (i.e., 0.01 percent per annum) of the spread between yields to maturity for each of the components of the futures contract's reference spread. Effectively, the spread between the yields is defined inversely, i.e. the price per increment of spread is fixed whereas the quantities/notional amounts of reference bonds and the spread between them are not. | 2012-10-11 |
20120259796 | SYSTEM AND METHOD FOR OPTIMIZING COLLATERAL MANAGEMENT - A computer-implemented system and method for managing collateral allocations associated with Tri-Party repurchasing agreements and a collateral allocation system includes one or more processors and memory/database configured to store user-definable rulesets and collateral characteristics relating to the Tri-Party repurchasing agreements. A collateral allocation module recalls collateral from the Tri-Party repurchasing agreements to a common Dealer Box, and reallocates the collateral to the Tri-Party repurchasing agreements utilizing a self organizing map, so as to minimize margins to reduce over-collateralization and/or undercollateralization. Other considerations, such as basket identifiers and cost of carry considerations may be weighed in the reallocation as well. | 2012-10-11 |
20120259797 | METHOD AND APPARATUS FOR INVESTMENT STRATEGIES DERIVED FROM VARIOUS RESEARCH METHODOLOGIES AND EXTRACTIONS - The present invention provides a computer based apparatus and methodology for generating investment strategies for individuals by using a variety of research and screening methodologies to extract investment tools and data from publicly available data basis, while also utilizing computerized search skills, this business model looks to improve on investment methods currently offered by brokers and registered investment advisors. Several modules are provided that perform certain analyses based on information from the investor as well as other sources. Each module can be used as a stand-alone unit or can share information and prepare aggregate reports to the investor. | 2012-10-11 |
20120259798 | Scanning Based Spreads Using a Hedge Ratio Non-Linear Optimization Model - The disclosed embodiments utilize hedge ratios to determine the optimal hedge ratio and associated scanning spread. This tells traders what ratios of the quantities of products they should have in their portfolio in order to maintain the status of the portfolios as delta neutral, i.e. be delta hedged, and receive optimal margin credits therefore. | 2012-10-11 |
20120259799 | METHOD AND SYSTEM FOR PROCESSING DATA RELATING TO INVESTMENT PRODUCTS HAVING A PAYMENT GUARANTEE - A computer system for processing data relating to an investment arrangement having an account value dependent on investment performance and available for withdrawal by an account owner includes a data storage device storing data indicative of a present account value, a withdrawal factor value, a present payment base value, and a guarantee of payments available periodically for a term without reduction of the payment base value; and a processor. The processor is configured to, for periods after a first withdrawal, determine the present payment base value by comparing a present account value to a prior period account value, a periodic increase in the payment base value being limited to a maximum percentage; and determine an available maximum withdrawal without reduction of the payment base value based on the withdrawal factor value and a greater of the present account value and the present payment base value. | 2012-10-11 |
20120259800 | Method for Investor Acquisition of Income Producing Property - A method for an investor's lender financed acquisition from a property owner of tangible income producing property, the method including steps of purchasing for a first purchase price the tangible income producing property from an initial property owner, the tangible income producing property producing a first income stream; purchasing for a second purchase price from a plurality of life insurance policy owners a plurality of life insurance policies, the plurality of life insurance policies producing a second income stream comprising death benefits; and borrowing under a loan from the lender funds for purposes selected from the group consisting of payment of a portion of the first purchase price, payment of a portion of the second purchase price, and payment of a portion of the cumulative first and second purchase prices, the loan having terms of payment which may be served by said income streams. | 2012-10-11 |