43rd week of 2010 patent applcation highlights part 55 |
Patent application number | Title | Published |
20100274644 | Engine, system and method for generation of brand affinity content - An advertising engine, system and method for formulation of endorsed advertising. The engine, system and method includes at least one computerized storage vault including a plurality of media assets correspondent to each prospective endorser for the endorsed advertising, and a graphical user interface for presentation of the plurality of media assets having a multi-layer format. The graphical user interface may include a library that presents at least a first layer including available ones of the prospective endorsers, and at least a second layer including ones of the media assets correspondent to each of the prospective endorsers, and a recommendation engine that presents at least ones of the media assets correspondent to a plurality of ranked ones of the prospective endorsers from the vault responsive to a request for the endorsed advertising. | 2010-10-28 |
20100274645 | System and method for providing user directed advertisements over a network - A user directed advertisement network includes an ad server having a database for storing advertisements from one or more vendors, and a broker configured with software to receive and store claims including information of advertisement preferences of a principal, and based upon at last one claim to provide to the principal one or more advertisements stored on the ad server that relate to the preferences of the principal. An agent used by the principal and configured with software to provide the claims including the information of the advertisement preferences to the broker, and to receive the advertisements from the broker. | 2010-10-28 |
20100274646 | System and Method for Improving E-Commerce - A system and method for improving advertising response rates by allowing an electronic advertising content to be stored, retrieved, shared, and manipulated by individual users, while enabling the accurate recordation of accounting information associated with the electronic advertising content. | 2010-10-28 |
20100274647 | Marketing System and Method Benefiting Both Buyers and Businesses Alike - System and method for providing value to both buyers and businesses. Businesses provide value to buyers by providing a searchable database containing member businesses and their products and services. Businesses also provide discounts and specials to buyers as an added incentive. Businesses are provided a means to display their goods and services to a targeted group of motivated buyers searching within the system of the present invention, wherein discounts and specials influence a buyer to transact with a member business rather than a non-member business. The searchable database of the present invention may provide results for buyer search requests pertaining to local zip codes of member businesses, product or service categories, product or service descriptions, and the like. Member businesses may be required to maintain a minimum level of incentives available to member buyers, such as offering at least one buy one get one free offer to member buyers. | 2010-10-28 |
20100274648 | Conditional electronic coupon distribution method and system - A conditional e-coupon distribution method distributes e-coupons predefined by sellers to mobile users only if the number of mobile users requesting such e-coupons equals or exceeds a threshold. The method receives a request to browse e-coupons from a mobile user. The method receives the location of the mobile user and determines a plurality of sellers local to the mobile electronic device and a plurality of corresponding e-coupons available from the local sellers. The method receives a request for a particular e-coupon from a seller and authorizes the provision of said e-coupon to the mobile user. At the end of a processing cycle, the mobile user receives the requested e-coupon if all conditions, such as a period of time and threshold, have been met. A computer-usable medium having computer-readable program code embodied therein allows for storage of the method. | 2010-10-28 |
20100274649 | CREDIT CARD PROVIDING ENHANCED BENEFITS, METHOD AND SYSTEM FOR USING SAME - A credit card that enables card-holders to pay for premiums on the insurance product using the credit card, while avoiding the need to pay deductibles on the insurance product (which may be used to cover auto, home, liability or health). Entities such as those underwriting the insurance product, self-insuring credit card issuers, or third-party financial institutions, may pay the deductibles. A method for using the credit card also forms a part of the invention. A website may be provided to enable card-holders to select among various insurance products, and to facilitate credit card payments by the card-holders. Computers may be used by the various involved parties to compute break-even profit points, deductibles, lowered credit card interchange fees, etc. | 2010-10-28 |
20100274650 | REFERRAL-BASED LOYALTY PROGRAM - A referral-based loyalty program incentivizes referrals by awarding rewards to primary customers for transactions by secondary customers. The secondary customers receive primary-account-identifying information, such as by hyperlink, and navigate to an order page of a merchant to establish an account and implement a transaction, for which the primary customer receives an reward. Primary and secondary accounts can be linked with one another at the merchant premises, or online, and can be associated with physical cards carried by the customers and presented during transactions. Rewards can be made contingent upon registration and activation of accounts. | 2010-10-28 |
20100274651 | APPLICATION ENABLING A SHORT MESSAGE SERVICE (SMS) MESSAGE WITH AN ADVERTISEMENT TO BE SENT FROM THE MOBILE PHONE DEVICE USING A PULL-AND-PUSH METHOD - A method of SMS message advertising using an mobile device application, the method includes providing the application the ability to download at least one advertisement, giving a sender the choice to select the advertisement to be attached to a SMS message, and then account for the advertisement sent by the sender so that a credit is applied to the sender. | 2010-10-28 |
20100274652 | AUCTIONING OF ANNOUNCEMENTS - An announcement distributor distributes, or auctions an opportunity to distribute, an announcement to an announcement recipient such as a consumer, issuer, merchant, or acquirer within a payment processing system. The announcement when there has been a satisfaction of an announcement condition, such as the consumer being determined to be located within a predetermined spatial zone. The content of the announcement may, in turn, facilitate a subsequent cashless transaction for resources of merchants. Implementations describe various permutations of the content of the announcement, the announcement condition, and the announcement recipient. | 2010-10-28 |
20100274653 | NOTIFICATION SOCIAL NETWORKING - A method. The method includes a) sending a first transaction notification message comprising an original payee identifier to a user. The original payee identifier may be part of original transaction information associated with a first transaction. At some point, the user sees this transaction information and wants to correct one or more items in the transaction information. For example, the user may not recognize that the original payee identifier is wrong or is otherwise unrecognizable. The user may then contact a central server (e.g., via a Web site) and may provide updated transaction information such as an updated merchant identifier to the central server computer. This updated transaction information may be stored so that subsequent transactions can be accurately conducted and reported to the user, and other uses. | 2010-10-28 |
20100274654 | METHOD AND SYSTEM FOR WIRELESS INTERNET PAYMENT USING MOBILE TERMINAL - Provided are a method and system for wireless Internet payment using a mobile terminal through which payment is made through a wireless Internet while information regarding a payer is not released. Specifically, the wireless Internet payment system includes a participating store server providing an online shopping mall, a mobile terminal of a payer selecting information regarding a product to be purchased from among products handled by the online shopping mall through the wireless Internet and transmitting the information to the participating store server, and a payment server processing online payment of the product in connection with the participating store server and the mobile terminal, and the method embodies the wireless Internet payment system. Thus, payment is made while information regarding the payer is not released to the participating store such as the shopping mall, and thus the release of personal information online is prevented. | 2010-10-28 |
20100274655 | POINT OF SALE DEVICE FOR ONLINE REWARD POINT EXCHANGE METHOD AND SYSTEM - An online reward exchange system and method of operation, which includes an exchange computer that interoperates via a computer network with user computers, reward point issuer computers, and merchant computers. The merchants' products may be purchased by a user by requesting via a user computer, merchant's point of sale device, or mobile device an issuer(s) to redeem reward points in exchange for payment to the merchant for the product. The exchange computer is the gateway to the system and manages various transactions such as providing online product catalogs to users that list the merchants products, as well as displaying to the user the reward points he has available in his reward programs with the issuers. Once a user selects a desired product the exchange computer can mediate or manage the purchase transaction in which reward points are redeemed by the selected issuer and consideration is conveyed to the merchant in exchange for the merchant providing the product to the user. | 2010-10-28 |
20100274656 | System for managing electric energy grid-vehicle exchange devices - A system for managing electric energy exchange devices is disclosed. The system comprises a processor and a memory. The processor is configured to receive a set of predefined parameters for electric energy exchange a vehicle using an electric energy exchange device for a time increment. The processor is further configured to receive a set of transaction specific parameters. The processor is configured to determine a price for electric energy exchange based at least in part on the set of predefined parameters and the set of transaction specific parameters. The memory is coupled to the processor and configured to provide the processor with instructions. | 2010-10-28 |
20100274657 | Integrated Credit Exchange System for Incentivizing Conservation - A scalable integrated credit exchange system for incentivizing conservation of a resource is provided, which includes a credit allocation system, a consumer interface, and an online trading system. Data is utilized from a measuring system using a smart meter, geospatial monitoring system, and the utility. The incentive is provided in the form of an awarded “ECOSHARE credit” that can be traded in the provided online trading system or can be utilized to reduce the consumer's utility bill. | 2010-10-28 |
20100274658 | Payment Rewards - A computer system enables a financial institution to award an account reward points when a customer remits a payment in a timely basis. Consequently, the financial institution encourages repayment of debt and recognizes good behavior through reward points every time a payment is received on-time. Each time a customer pays on-time, a credit card company may assign reward points to the customer's account for the amount of the payment. When a payment for a loan has been received in accordance with a reward policy, a number of reward points may be awarded to a customer that is dependent on a payment amount. For example, when the payment amount is at least as great as a minimum due and not greater than a balance due, setting the number of reward points to a constant multiplied by the payment amount. However, the reward points may be determined in a non-linear fashion. | 2010-10-28 |
20100274659 | SYSTEM AND METHOD FOR REDEEMING VOUCHERS - The invention includes an improved system and method for creating, distributing and storing vouchers. The method includes a loyalty system obtaining a loyalty card account having a unique identifier and loyalty points associated therewith, accessing a loyalty database utilizing the unique identifier, converting at least a portion of the loyalty points to a first value associated with a first merchant, saving the first value in a first database associated with the loyalty card, converting at least a portion of the loyalty points to a second value associated with a second merchant, saving the second value along with other voucher information as an electronic voucher in a second database associated with the loyalty card, redeeming the first value at a first merchant and redeeming the electronic voucher at a second merchant. | 2010-10-28 |
20100274660 | METHODS AND APPARATUS FOR ORDERING ADVERTISEMENTS BASED ON PERFORMANCE INFORMATION AND PRICE INFORMATION - An ordering of advertisements requested by an ad consumer is based on scores generated for the ads. In each case, a score may be a function of at least one performance parameter associated with the ad and/or a price parameter associated with the ad. The ad consumer may generate presentation information (e.g., a Web page) including advertisements and non-advertisement content (e.g., search results) by (i) accepting the non-advertisement content and advertisements, each of the advertisements including a score, and (ii) combining the non-advertisement content and the advertisements such that relative placements of the advertisements are based on their associated scores. | 2010-10-28 |
20100274661 | OPTIMIZATION OF ADVERTISING CAMPAIGNS ON MOBILE NETWORKS - The present invention provides a method and system for optimizing advertising campaigns on mobile networks using feedback from the advertisement audience community. | 2010-10-28 |
20100274662 | SYSTEMS AND METHODS FOR GENERATING ADVERTISER RECOMMENDATIONS FROM USERS OF WORKFLOW SOFTWARE - A method for using a workflow server to provide targeted advertisements recommended by users of workflow software includes: receiving, at a server from a user completing a workflow, information corresponding to a step in the workflow and an advertiser, the advertiser recommended by the user in connection with the step in the workflow; identifying, by the server, an advertisement corresponding to the recommended advertiser; and transmitting, from the server to a second client, a markup language page corresponding to the step in the workflow, the markup language page including the identified advertisement. Corresponding systems are also described. | 2010-10-28 |
20100274663 | RESOURCE OPTIMIZATION - A network, method and program for allocating viewable screen area resources amongst a plurality of competing portions of content in a network comprising a plurality of end-user terminals and one or more servers operatively coupled to the end-user terminals over the network, each of those servers storing data representing one or more respective viewable screen areas and being arranged to make the viewable screen areas accessible to the end-user terminals over the network, there thus being finite viewable screen area resources accessible to the end-user terminals from those servers. The method involves performing a simulation of the network to generate proposals for changes to the resource allocation. The method may also involve forecasting effects of proposed changes. The simulation may be by means of multi-agent modeling. | 2010-10-28 |
20100274664 | METHODS AND APPARATUS FOR TRANSMITTING MULTIMEDIA FILES IN A DATA NETWORK - In one implementation a method of transmitting a multimedia file over a data network is provided that involves receiving from a device in a data network a first message in a first protocol that request first data associated with the multimedia file, the first data being useable by the device to establish a streaming session that involves a transmission of the multimedia file. The first message includes identifying data of a referring site. The method also involves transmitting to the device the first data and optionally the identifying data of the referring site and then receiving from the device a second message in a second protocol for the purpose of creating a streaming session associated with the multimedia file. A streaming session is then created for transmitting the multimedia file to the device. In another implementation a method is provided that involves receiving in a computing device from a referring site an identifier of first data associated with a multimedia file and identifying data of the referring site, wherein the first data is useable for establishing a streaming session for downloading the multimedia file. The method further involves transmitting from the computing device a first message in a first protocol that requests the first data associated with the multimedia file and receiving in the computing device the first data. Upon receiving the first data the computing device transmits a second message in a second protocol for the purpose of creating the streaming session associated with the multimedia file, the second message including the first data and the identifying data of the referring site. The computing device then receives via the streaming session, all or a portion of the multimedia file. In some implementations, the first protocol and the second protocol are the same. | 2010-10-28 |
20100274665 | MEDIA PROPERTIES SELECTION METHOD AND SYSTEM BASED ON EXPECTED PROFIT FROM PROFILE-BASED AD DELIVERY - An automatic system facilitates selection of media properties on which to display an advertisement, responsive to a profile collected on a first media property, where a behavioral-targeting company calculates expected profit for an ad correlated with the profile and arranges for the visitor to be tagged with a tag readable by the selected media property. The profit can be calculated by deducting, from the revenues that are expected to be generated from an ad delivered based on the collected profile, at least the price of ad space at a media property where the BT company might like to deliver ads to the profiled visitor. When the calculated profit is positive (i.e., not a loss), the BT company arranges for the visitor to be tagged with a tag readable by the selected media property through which the BT company expects to profit. | 2010-10-28 |
20100274666 | SYSTEM AND METHOD FOR SELECTING A MESSAGE TO PLAY FROM A PLAYLIST - A method for selecting at least one message from a playlist including a plurality of messages to be played by a message playing device to an exposed audience, each message directed to a target audience. The method comprises choosing a utility function, depending on one or more audience parameters, for each of the messages, periodically measuring the audience parameters pertaining to the exposed audience, calculating utility for each of the messages using the utility function, based on the audience parameters as periodically measured, and selecting a message to play from the playlist based on a cumulative gain attributed to each message from the playlist that has played, wherein the gain is updated with respect to the calculated utility for that message. Other methods and systems are also disclosed and claimed. | 2010-10-28 |
20100274667 | MULTIMEDIA ACCESS - A computer-implemented method provides access to multimedia content, which include units of content that include audio components. Meta data for the units of content is formed to an association of key phrases detected in the audio components and the units. In some examples, forming the meta data includes determining a candidate set of key phrases associated with the unit of multimedia and searching for the presence of the candidate key phrases in the audio components. Forming the meta data then includes forming data representing the presence of key phrases in the audio components. | 2010-10-28 |
20100274668 | DOMAIN SUB-LEASING AND PARAMETER-BASED CONTENT DELIVERY SYSTEM - In one embodiment, a processor-readable medium can store code representing instructions configured to cause a processor to receive a website address from a requesting device. A device identifier associated with the requesting device can be received. A geographic location associated with the requesting device can be determined based at least in part on the device identifier. A domain sublease record can be identified based at least in part on the geographic location and the website address. A web content portion associated with the domain sublease record can be sent to the requesting device. | 2010-10-28 |
20100274669 | BIDDING TO RECEIVE DATA AFTER A CONSUMER IS IN A ZONE - An announcement distributor distributes, or auctions an opportunity to distribute, an announcement to an announcement recipient such as a consumer, issuer, merchant, or acquirer within a payment processing system. The announcement when there has been a satisfaction of an announcement condition, such as the consumer being determined to be located within a predetermined spatial zone. The content of the announcement may, in turn, facilitate a subsequent cashless transaction for resources of merchants. Implementations describe various permutations of the content of the announcement, the announcement condition, and the announcement recipient. | 2010-10-28 |
20100274670 | Advertisement Platform - A mobile advertisement is stored in a database associated with an advertisement platform. A unique ad ID identifying a corresponding advertisement placement is associated with the mobile advertisement. The unique ad ID is communicated to an advertisement sender along with the corresponding advertisement placement. A message provided by said advertisement sender is parsed to identify the unique ad ID and mobile device contact information for an advertisement recipient in order to forward the associated mobile advertisement to the advertisement recipient. Advertisement placement information based on the unique ad ID received from the advertisement sender is recorded. The mobile advertisement is messaged to the advertisement recipient. The mobile advertisement comprises contact information providing a network path for the advertisement recipient to contact the merchant through the advertisement platform. The instances that the advertisement recipient is routed through the advertisement platform to the merchant are recorded. | 2010-10-28 |
20100274671 | System and method for distributing contextual information in an electronic network - A system and method for distributing contextual information in an electronic network includes an information service that is configured to provide information distribution services through said information distribution network. User devices are provided for device users to communicate with the information service for receiving the information distribution services. A transport structure communicates with network entities in the information distribution network for collecting context metadata. A transport server then performs a context analysis procedure upon the context metadata to responsively generate the contextual information. | 2010-10-28 |
20100274672 | Systems And Methods For Tone Based Telephonic Advertising - Systems, methods and software products advertising over a telecommunication device. One or more audio advertisements are received from at least one advertiser, each audio advertisement having zero, one or more associated advertizing criteria. One or more user profiles defining advertisement options for a subscriber of a service provider are received. For each subscriber, zero, one or more of the audio advertisements are selected based upon the user profile and the advertizing criteria associated with the audio advertisements. The selected audio advertisements are installed as one or more of dial tone, ring tone, call tone and busy tone for the subscriber. | 2010-10-28 |
20100274673 | Non-Intrusive Media Linked and Embedded Information Delivery - A method for information delivery is disclosed. The method includes directing the display of a multimedia presentation in a first screen segment. The multimedia presentation is associated with a reference tag descriptive of an aspect thereof. An information link corresponding to the reference tag in a second screen segment is generated. The information link is contextually related to the multimedia presentation in accordance with the reference tag. Thereafter, a selection input of the information link is received from one of the viewers while mitigating obstruction of the displaying of the multimedia presentation. The selected information link and the identity of the viewer are associated as a marker. | 2010-10-28 |
20100274674 | MEDIA NAVIGATION SYSTEM - A media navigation system provides a user interface for navigating and interacting with streamed media objects, including video. The system may employ media markers representing time locations within a media file in addition to images or other representations derived from the media object. The system displays a tile layout representing a sequence of the media at an interval comprising a set of sub intervals corresponding to the tiles, and enables a user to click on the tiles to navigate to a next set of tiles which correspond to a different interval, and which replace the currently displayed tiles on the display. Navigation can include zooming in (smaller interval), zooming out (larger interval) and “panning” (preceding or succeeding interval) at arbitrary intervals. Individual tiles may also include visual indicators of relative importance or activity such as the number of comments associated with a sub interval. | 2010-10-28 |
20100274675 | WEB PAGE RETRIEVAL AND ADVERTISEMENT METHOD - Disclosed is a computer-implemented method of running an Internet-based service. The method involves receiving a request for a code that identifies one or more web pages, issuing a non-URL code for the advertiser to post on an off-line advertisement in reply to the request, posting an off-line advertisement including the non-URL code, a person's seeing the advertisement, the person's submitting the issue code on a mobile telecommunication device without opening a web page on the mobile telecommunication device to a server, the server's searching for an Internet address of a web page associated with the issued code, the server's sending to the mobile telecommunication device the Internet address to the mobile telecommunication device, and opening the web page on the mobile telecommunication device using the Internet address without any user input of the Internet address on the mobile telecommunication device. | 2010-10-28 |
20100274676 | Custom Food Product Preparation Apparatus - Custom food product methods and apparatus are provided that allow customers to participate in the preparation of food products as a part of the dining experience. A method of preparing a custom food product under the direction of a customer includes placing a customer-selected substrate on a scale of custom food product preparation table, placing customer-selected ingredients on the substrate in customer-selected amounts and customer-selected areas, and calculating and displaying the cost of the custom food product to the customer as the customer-selected ingredients are placed on the substrate. Each ingredient is assigned a cost per unit of weight and, as the ingredients are utilized, the cost of the food product is calculated and displayed via a display associated with the table. A customer may be provided with a record of the ingredients of the custom food product and may include an image and/or name of the custom food product. | 2010-10-28 |
20100274677 | ELECTRONIC PAYMENT APPLICATION SYSTEM AND PAYMENT AUTHORIZATION METHOD - The system contains a virtual POS terminal's unit in the user's personal device. The mobile communication device ( | 2010-10-28 |
20100274678 | SYSTEMS, METHODS AND DEVICES FOR FACILITATING MOBILE PAYMENTS - Mobile decoupled payments account systems and computer-implemented methods provide a decoupled mobile payments account and processing for payments made with a decoupled mobile payments account. A demand deposit account of an accountholder is associated with a decoupled mobile payments account that enables a mobile device to be used in making proximity or remote payments. Embodiments include mobile decoupled payments accounts based upon open or closed loop processing networks and mobile decoupled payments accounts that are ACH-direct accounts. An issuer of the mobile decoupled payments account authorizes or declines transactions and, for approved transactions, initiates an ACH transaction to obtain funds corresponding to an approved purchase transaction from the demand deposit account of the accountholder. Embodiments include person-to-person mobile payments and merchant-specific gifts and prioritized selection of accounts associated with a decoupled mobile payments account for processing a purchase transaction made with a mobile device. | 2010-10-28 |
20100274679 | FRAUD LOCATION DETERMINATION - A system and method is described for alerting authorities or taking other corrective authoritative action to a possibly fraudulent credit card transaction. A cardholder is notified that a transaction has just taken place and is given an opportunity to indicate that he or she did not authorize the transaction. If so indicated, and depending on how recent the transaction was (e.g. 15 seconds ago) then an alert is automatically sent to the merchant, store security, or local police. In addition, a store camera can be automatically activated to zoom in and record the perpetrator of the fraudulent transaction. | 2010-10-28 |
20100274680 | PROVIDING AN ANNOUNCEMENT ABOUT TRANSACTIONS OF A TARGET MERCHANT TO A CONSUMER - An announcement distributor distributes, or auctions an opportunity to distribute, an announcement to an announcement recipient such as a consumer, issuer, merchant, or acquirer within a payment processing system. The announcement when there has been a satisfaction of an announcement condition, such as the consumer being determined to be located within a predetermined spatial zone. The content of the announcement may, in turn, facilitate a subsequent cashless transaction for resources of merchants. Implementations describe various permutations of the content of the announcement, the announcement condition, and the announcement recipient. | 2010-10-28 |
20100274681 | SOFTWARE APPLICATION GENERATION AND IMPLEMENTATION METHOD AND SYSTEM - An application generation and implementation method and system. The application generation method includes receiving by a computing device from an application server, a copy of an application framework. The computing device retrieves reusable software engine implementations and reusable software component implementations. The computing device receives from a developer, first application code associated with the reusable software engine implementations and the reusable software component implementations. The computing device receives from the developer, second application code associating the reusable software component implementations and the reusable software engine implementations with data stored in databases. The computing device receives from the developer, third application code associated with locally or remotely accessible application services. The computing device generates and stores a transparency software application comprising the first, second, and third application software code. | 2010-10-28 |
20100274682 | DISTRIBUTED PURCHASING SYSTEM - A distributed purchase system for commerce transactions comprising essentially a plurality of databases communicatively connected to an internet network over which providers and customers can communicate anonymously with an intention of completing a provision of products (which could be a commercial transaction). The communication software having inbuilt tools for synergistic enablement of maintenance of secure access control, user authentication, parsing of user information and filtering of this data in accordance with the requisition details to arrive at best bid and issuance of user alerts using various communication devices to the corresponding parties comprising the best bid. | 2010-10-28 |
20100274683 | METHOD AND APPARATUS FOR ORDERING GOODS, SERVICES AND CONTENT OVER AN INTERNETWORK USING A VIRTUAL PAYMENT ACCOUNT - A virtual payment system for paying for goods, services and content ordered over an internetwork comprising a commerce gateway component and a credit processing server component ( | 2010-10-28 |
20100274684 | Inventory analysis - A method for the control of an inventory, and hence the material flow in an inventory is provided. In the method the inventory composition and a ratio named Inventory Control Ratio is calculated and simulation regarding minimum stock and cyclic stock is performed. There is also provided a filtering function enabling a precise analysis of the articles in an inventory. There is also provided a computer system operating in accordance with the method, an inventory operated under the control of the method and a method for the building of diagrams in accordance with the method. | 2010-10-28 |
20100274685 | RECEIPT MANAGEMENT SYSTEM - A receipt management system receives receipt data including biometric data which is issued when a product is purchased at a store, and judges whether or not biometric data that coincides with an employee's biometric data is registered in an employee management table of a company. | 2010-10-28 |
20100274686 | Automated Purchase Assembly Conversion Process To Support A Dynamic Configure-To-Order Production Operation - A computer implemented method, a tangible computer usable medium, and a data processing system allocate materials to an automated purchase assembly conversion process to support a dynamic configure-to-order production operation. A configure-to-order backlog order is analyzed to determine demand for a particular purchase assembly. If the demand for the particular purchase assembly can be filled with an on-hand purchase assembly in inventory, the on-hand purchase assembly in inventory is allocated to fill the demand. If the demand for the particular purchase assembly can not be filled with an on-hand purchase assembly in inventory, a determination is made as to whether the demand for the particular purchase assembly can be filled by reallocating other similar on-hand purchase assembly in inventory and on-hand individual parts. If the demand for the particular purchase assembly can be filled by reallocating other on-hand purchase assembly in inventory and on-hand individual parts, the on-hand purchase assembly in inventory and the on-hand individual parts are reallocated to fill the demand. | 2010-10-28 |
20100274687 | CUSTOMER-DEFINED ACCOUNT MANAGEMENT RULES FOR IMPROVED LINKED FINANCIAL INSTITUTION ACCOUNT MANAGEMENT - Systems, methods, and computer program products are provided for customer-defined financial institution account management rules associated with linked financial institution accounts. The methods, systems and computer program products herein described allow the customer to define rules that maximize the customer's rate of return and/or minimizing the likelihood of insufficient funding of an account leading to an overdraft. Thus, poor utilization of cash in terms of excessive balances in non-interest bearing accounts or low-interest bearing accounts is minimized by automatically transferring, based on a customer-defined rules, the funds to a higher rate of return account. Additionally, managing a primary payment account, such as a checking or bill account, is addressed so as to ensure that funds are sufficient to cover the customer's expenditures. | 2010-10-28 |
20100274688 | SYSTEM AND METHOD INCLUDING INDIRECT APPROVAL - A server computer is disclosed. It comprises a processor and a computer readable medium coupled to the processor. The computer readable medium comprises code executable by the processor for implementing a method comprising: a) receiving an authorization request message, wherein the authorization request message requests authorization to proceed with a transaction conducted between a first party and a second party using a portable device; b) analyzing the authorization request message by a server computer to determine if the portable device is enrolled in a transaction alert program; c) if the portable device is enrolled in the transaction alert program, sending a transaction alert request message to a third party requesting approval to proceed with the transaction; d) receiving a transaction alert response message from the third party; e) sending the authorization request message to an issuer associated with the portable device; f) receiving an authorization response message from the issuer; and g) sending the authorization response message to the second party. | 2010-10-28 |
20100274689 | ALERT PRIORITIZATION LOGIC - A first embodiment of the present invention relates to systems and methods for determining a priority for a set of alert triggers and performing additional processing based on the determined priority. In some embodiments, additional processing may include generating and sending of alert messages. In other embodiments, additional processing may further include determining that the generating and sending of alert messages are to be delayed until a later time. In yet other embodiments, additional processing may include determining that no alert message is to be generated and sent. A second embodiment of the present invention relates to systems and methods for dynamically selecting a delivery channel and generating an alert message for the selected delivery channel. In some embodiments, the alert message may be formatted based on the selected delivery channel. According to one embodiment, the alert message may be generated based on a compact protocol format. When the alert message is received by a mobile device, the mobile device may use the alert message to generate a second alert message. | 2010-10-28 |
20100274690 | METHOD TO FACILITATE OPPORTUNITY CHARGING OF AN ELECTRIC VEHICLE - A method for electrically charging a high-voltage battery of a subject vehicle includes resolving a geographic location of the subject vehicle at a remote charging site, electrically charging the high-voltage battery through a connection of the subject vehicle to an electric power outlet at the remote charging site, monitoring cumulative electric power flow to the high-voltage battery of the subject vehicle, communicating the cumulative electric power flow to a central server, and reconciling billing for the cumulative electric power flow between an owner of the subject vehicle and an owner of the remote charging site. | 2010-10-28 |
20100274691 | MULTI ALERTS BASED SYSTEM - Systems and methods for defining, observing and detecting triggering user account events that initiate a user account alert message to be sent to one or more users are disclosed. Location and merchant, transaction result, device and, usage history/trend types of user account alerts and trigger criteria can be defined or selected by users, issuers were notification alert engines. Alternatively, user account alerts and trigger criteria can be defined by analyzing previously observed user account events, such as credit card transactions, to determine user profiles and user account usage trends, i.e. credit card spending patterns, as baselines for comparing newly observed user account events. If information associated with the newly observed user account events match any of the trigger criteria or are inconsistent with the determined user profile or user account usage trends, then user account alerts can be sent to one or more users. | 2010-10-28 |
20100274692 | VERIFICATION OF PORTABLE CONSUMER DEVICES - Embodiments of the invention are directed to methods, systems, and computer program products pertaining to obtaining, providing, and using dynamic card verification values for portable consumer devices, such as credit cards and debit cards. An exemplary method comprises receiving, at a server, a request for a device verification value for a portable consumer device associated with a user; obtaining, at the server, a datum indicative of a device verification value for a portable consumer device; and sending, from the server, the datum to at least one of a phone number or network address of a personal communication device associated with the user. | 2010-10-28 |
20100274693 | METHOD FOR PERFORMING A PARKING PROCEDURE WITH THE HELP OF A MOBILE COMMUNICATION DEVICE - A method for processing a parking transaction using a mobile communication device connected to a public mobile communication network includes: determining location-based data that establish a location where the mobile communication device is currently located; transmitting to a central management and monitoring device the location-based data and an individual identifier that is stored in the mobile communication device; converting the location-based data to a predefined parking zone; and checking, in response to the individual identifier, whether a user of the mobile communication device is entitled to park a vehicle in the parking zone. | 2010-10-28 |
20100274694 | RELAY SERVER, CONTENT DISTRIBUTION SYSTEM AND CONTENT DISTRIBUTION METHOD - To enable content distributed to a user terminal to be optimized and distributed on the network side in accordance with various conditions on the user terminal side without increasing the processing load on the content server side. A gateway server (relay server) acquires content in an editable form from the content server, and edits the acquired content based on an editing condition of the user terminal, and distributes the edited content to the user terminal. | 2010-10-28 |
20100274695 | UTILITY TARIFF ENGINE - A system and method for creation and verification of utility bills with improved error detection is disclosed. Specifically, a user-configurable data structure is provided, which is sufficiently flexible to precisely simulate any utility tariff. The invention further relates to a computerized system and method for verifying utility bills utilizing a user-configurable data structure that simulates a utility tariff. | 2010-10-28 |
20100274696 | Digital media content sharing system - A digital media sharing system (“DMSS”) for receiving digital media data (“DMD”) produced by a media device is described. The DMSS may include a network, a first set-top box in signal communication with the network, a first rendering device in signal communication with the set-top box and the network, and a storage device in signal communication with the set-top box and the network. | 2010-10-28 |
20100274697 | TRANSMISSION LINE DIRECTIONAL AWARENESS - An apparatus and method for coupling a charging station to a power line segment that is terminated at a first end by a charging terminal are disclosed. The apparatus includes multiple taps coupled to the power line segment and circuitry coupled to the charging station and coupled to the multiple taps. The circuitry is configured to differentiate between communication signals propagating on the power line segment in the direction from the first end to a second end of the power line segment and communication signals propagating on the power line segment in the direction from the second end to the first end based at least in part on multiple measurements of respective phase shifts associated with different portions of a communication signal, each portion received over at least a first tap and a second tap. | 2010-10-28 |
20100274698 | Soft Limits for Credit Card Transactions - A method, system, and article are provided for effectively managing a financial account for fraud prevention. The account is provided with a soft credit limit parameter and a tool for management of the soft credit limit parameter. The soft credit limit is in addition to a hard credit limit. More specifically, the hard credit limit is static and fixed by a credit issuing authority. In contrast, the soft credit limit is amendable under different circumstances and in conjunction with the tool is managed by the holder of the account. | 2010-10-28 |
20100274699 | ECONOMIC INTELLIGENCE - Aspects of the invention provide for the use of transactional data in the calculation of sub-scores that may be used in an index score. The sub-scores may include an account sub-score, an investment sub-score, and/or a discretionary sub-score. One or more sub-scores that represent an individual, an entity, or an economic sector may be used to create an index. Further aspects relate to calculating novel indices that more accurately represent and/or predict economic conditions. | 2010-10-28 |
20100274700 | System and method for providing extra lines of credit - A system and method for upgrading existing credit cards with additional lines of credit is disclosed. Credit information associated with customers holding credit cards issued by a credit card issuer are analyzed to determine a level of risk associated with each customer. One or more extra line of credit may be established for selected customers based on the determined level of risk associated with each customer. Each extra credit line may be exclusively associated with a selected set of vendors that have a partnership agreement with the credit card issuer. The credit card issuer may allow customers to select vendors to be associated with the extra credit line or may automatically choose vendors for selected customers. Customers with established extra credit lines may purchase goods and/or service directly from vendor sites or at the credit card issuer's web sites. Purchases at selected vendor sites may be automatically applied to a customer's newly established extra credit line. Additionally, a customer may choose to apply purchases to their extra credit lines or their primary line of credit | 2010-10-28 |
20100274701 | METHOD AND APPARATUS FOR PROVIDING PRE-EXISTING CUSTOMERS AND PROSPECTIVE CUSTOMERS WITH AN IMMEDIATELY ACCESSIBLE ACCOUNT - A system and method for providing in real-time an immediately accessible customized transaction account via the internet is disclosed. In particular, the system and method recognizes distinct access codes which are correlated to the credit profile of a person accessing an on-line application system via a computer network. During operation of the invention, a party may be driven to the on-line application system via the internet to conduct a transaction in response to an invitation to enroll in a special program. Upon entering the on-line application system, the accessing party may be unilaterally given the opportunity to apply for a special offer, which has been tailored to the accessing party's credit profile. | 2010-10-28 |
20100274702 | Console, System and Method for Providing an Interface to a Financial Market Trading System or to a Financial Market Based Gaming System - The present invention is a console, system and method for providing an interface to a financial market trading system or to a financial market based gaming system. The invention enables the trader to trade on financial markets using an interface simulating known and popular games from the world of sports, arcade, games of chance, strategic games and the like. | 2010-10-28 |
20100274703 | COMPUTER SYSTEM ARCHITECTURE AND COMPUTER IMPLEMENTED METHODS FOR DOMESTIC AND INTERNATIONAL ENHANCED CUSTODY AND PRINCIPAL LENDING OF SECURITIES - A computer system executes a principal lending transaction to lend international securities from lending accounts of a global entity to borrowing accounts of the entity, in which the entity acts as a principal. The system includes a computer database storing securities availability information indicating availability of the international securities available for borrowing from lending accounts of the global entity, and a computer server system implemented by a principal lending computer system. The principal lending computer system configured to receive a short sale indication of a security for a borrowing account, electronically generate a transfer instruction to a custody-control computer system to transfer custody of the international shorted security from at least one lending account to the borrowing account of the same global entity as the global entity of the at least one lending account, electronically transmit the transfer instruction, and electronically transmit a second transfer instruction to the custody-control computer system to transfer custody of the shorted security from the principal to the borrowing account. A computer implemented method and various alternative embodiments are also disclosed. | 2010-10-28 |
20100274704 | TRANSACTION MANAGEMENT DEVICE AND READABLE STORAGE MEDIUM - A transaction management device can executed, with a simple procedure, a plurality of if-done orders in parallel and can reduce the risk of the client. In the transaction management device, an order receiving unit receives buy and sell order application information from client terminals. An order information generation unit generates a plurality of order information groups for each of the items of the buy and sell order application information received by the order receiving unit, the order information groups each including: a first order for placing one of a buy order or a sell order at a first order price; a second order for placing the other one of the buy or the sell order at a second order price; and a stop order for placing the other one of the buy order or the sell order at the stop order price. The first order price, the second order price, and the stop order price are set to different values for each of the order information groups. A storage unit stores the order information groups generated in the order information generation unit. An execution information generation unit, when starting transaction processing corresponding to each of the order information groups, sets the first order to be valid, the second order to be invalid, and the stop order to be invalid. | 2010-10-28 |
20100274705 | System and Method for Providing Market Updates in an Electronic Trading Environment - A system and method are provided for modifying how market updates are provided in an electronic trading environment upon detecting one or more triggering events. One example method includes defining an event to be used to trigger modification of how market updates are provided to a client entity, receiving a market update from an electronic exchange, and, when the event is detected, modifying how the market update is provided to the client entity. As an example, the modification of how the market update is provided to the client entity may include providing less data in relation to market updates, and sending the market updates less frequently. | 2010-10-28 |
20100274706 | System and Method for Displaying Order Information in Relation to a Derivative of Price - Market data, such as order information, is displayed in relation to a derivative of price. A derivative of price refers to anything that bears some relationship to price, examples of which, include net change, yield, profit and loss, volatility, momentum indicators, and more. According to various aspects of the preferred embodiments, market data is received from one or more electronic exchanges and a value axis is generated based on a user's preferences. Then, market data can be displayed in relation to the value axis to provide a user interface that allows a trader to view the market from a more desirable perspective. | 2010-10-28 |
20100274707 | ONLINE TRADING SYSTEM HAVING REAL-TIME ACCOUNT OPENING - In one embodiment, the online trading system having a real-time account opening process comprises one or more computers coupled to a network. The computers maintain a brokerage account database, and service web page requests received over the network. The web pages are preferably configured to implement a real-time account opening (RTAO) process that establishes new brokerage accounts in the account database. The RTAO process may include (a) obtaining contact information; (b) creating a new record in the brokerage account database for the contact information; (c) obtaining brokerage account application information; (d) updating the new record with the application information; (e) displaying a brokerage account contract; and (f) securing online agreement to said brokerage account contract. The process preferably also includes obtaining funding information to automatically initiate a transfer of funds to the brokerage account. | 2010-10-28 |
20100274708 | APPARATUS AND METHOD FOR CREATING A COLLATERAL RISK SCORE AND VALUE TOLERANCE FOR LOAN APPLICATIONS - A computer implemented system for converting loan risk and property database information into a risk-adjusted value and report comprising software modules configured with instructions to retrieve electronic property value data from one or more electronic property value and property characteristic databases and calculate a property value estimate, loan risk value, property value, and loan risk value estimates; and producing a report with a collateral risk score. The invention also comprising a module for calculating a variance based on the combined collateral risk score conditions approval of an electronically submitted evaluation order based on whether a given qualifying value falls within the calculated variance. The invention further comprising a software module with instructions to calculate the percentage of difference between the qualifying value and a limit of the calculated variance. | 2010-10-28 |
20100274709 | ONLINE METHOD OF PROCURING MORTGAGE LOANS - A method for prioritizing candidate wholesale loan lenders in response to a loan request by a mortgage broker for a client including establishing a lender database serving as a repository of electronic client files generated by said mortgage broker in connection with a client's loan request, permitting subscribing wholesale lenders to access to said lender database via a network, allowing the lenders access said electronic client files from said lender database according to a permission associated with each electronic client file, forwarding via said lender database responses to said mortgage broker, and assigning a hierarchy of the selected subscribing wholesale lenders' responses to said loan request. | 2010-10-28 |
20100274710 | Computer system and method for networked interchange of data and information for members of the real estate financial and related transactional services industry - An Interchange Party Computer System (“IPCS”) comprising: a plurality of units of allocated resources, configured for a lender party, broker party, transaction party and/or investor party, each unit of allocated resources including one or more administrator user interfaces that allow a participating party to manage its allocated resources and define which of its users and which other participating parties may access its allocated resources and use elements thereof, wherein at least one of the allocated resources include database allocated resources that are managed by the participating party assigned the resources, the allocated resources for the database being accessible and usable by a participating party on terms defined by the participating party responsible for managing the database allocated resources wherein at least one of the allocated resources include at one or more modules selected from the group of: a Rate and Loan Program Module that includes means to define loan programs or search defined loan programs in a database, an Automated Underwriting Module, a Mortgage Pools Module; a File Status and Transaction Party Module, which includes means to do two or more of: assign tasks, present task status, control viewing of task status, assign viewing privileges, monitor satisfaction of lender conditions, and upload loan documentation that are managed by the participating party assigned the resources; the allocated resources for the selected modules being accessible and usable by a participating party on terms defined by the participating party responsible for managing the selected modules allocated resources. | 2010-10-28 |
20100274711 | Computer-based payment transaction system and repository - One embodiment of the invention relates, to a method of operating a payment transaction system maintained by a first party who receives an instruction for a first transaction. The instructed first transaction is directed from a second party to a third party, and includes a transaction date on which the payment transaction system is to give effect to the first transaction. The first party stores the transaction instruction into a database, and permits the third party to access those transaction instructions stored in the database that are directed to the third party. The first party then receives a request from the third party to bring forward at least in part the instructed first transaction. In response to the request, the first party re-directs the first transaction at least in part from the third party to the first party. In addition, the first party creates a new instruction for a second transaction in the system. The second transaction is directed from the first party to the third party and has a second transaction date which is prior to the first transaction date. | 2010-10-28 |
20100274712 | APPARATUS, METHOD, AND COMPUTER PROGRAM PRODUCT FOR PROVIDING A QUALITY CONTROL MECHANISM FOR THE CONTACTLESS INTERFACE OF A DUAL-INTERFACE CARD - Techniques for enabling performance of a quality control function on the contactless interface while the contactless interface is disabled are provided. The techniques include implementing, on a dual-interface payment device, one or more security mechanisms, wherein the dual-interface payment device comprises a first interface and a second interface, using the one or more security mechanisms to prevent a subset of data corresponding to the first interface from being read using the second interface while allowing data corresponding to the second interface to be read using the first interface, and personalizing the dual-interface payment device and the one or more security mechanisms according to one or more requirements of an issuer of the dual-interface payment device. | 2010-10-28 |
20100274713 | Wireless Trading System And Method Of Using The Same - A wireless trading system used for trading by an electronic money card includes a reading device including a reading unit for wirelessly reading account information of the electronic money card and a transmitting unit for transmitting out the account information read by the reading unit, a communication device, a commerce platform for providing the service of trading, and a payment platform for providing the service of paying trading bills. A method of using the above-mentioned wireless trading system includes: the reading device wirelessly reading the account information of the electronic money card and then sending the account information to the communication device, the communication device logging in the commerce platform, some consumption activities being carried out on the commerce platform and bills made by the consumption activities being sent to the payment platform, the payment platform paying for the bills and sending account balance to the communication device, and the communication device modifying the account information of the electronic money card. | 2010-10-28 |
20100274714 | SHARING OF PRESETS FOR VISUAL EFFECTS OR OTHER COMPUTER-IMPLEMENTED EFFECTS - This application describes a system and associated methods for enabling users of video editing, compositing, motion graphics, and other applications to easily store and retrieve presets, have presets modified for compatibility with other applications, share presets with each other, and search for shared presets. The users may utilize different applications that store presets according to different application-specific schemas. The system can automatically translate or conform presets from one application-specific schema to a neutral schema and from the neutral schema to another application-specific schema. This allows a user of one application to share his or her presets with users of different applications. Among other things, this cross-application sharing of presets allows the system implementor to create one user community (e.g., of users of different applications), rather than several individual ones (e.g., an individual user community for each different application). Other features of the system and associated methods are also described. | 2010-10-28 |
20100274715 | SYSTEM AND METHOD FOR LEGAL DOCUMENT AUTHORING AND ELECTRONIC COURT FILING - A system for legal document authoring for a legal action and electronic court filing of such legal documents provides an online network for subscribers. The system provides a direct mechanism (and a web portal mechanism) for submitting a claim file containing party and claim information necessary for automatic legal document generation based on an auto-selected destination court (in some embodiments) and further based on at least certain party and claim information. The automatically-generated legal documents are compliant with the requirements of the destination court, providing end-to-end automation for improved efficiency in judicial debt collection. The system also provides an online network for facilitating communications between subscribers (litigants) and the court systems. | 2010-10-28 |
20100274716 | CONSTRUCTION PAYMENT MANAGEMENT SYSTEM AND METHOD WITH HIERARCHICAL INVOICING AND DIRECT PAYMENT FEATURES - A system and method for managing a construction payment process. One method embodying the invention can include creating an electronically-executed first request for payment on behalf of a first participant in a construction project, transmitting the first request for payment to a second participant in the construction project, creating an electronically-executed second request for payment based on the first request for payment, transmitting the second request for payment to a payment source in the construction project, directing transmitting a payment to the second participant from the payment source, and directly transmitting a payment to the first participant from the payment source. | 2010-10-28 |
20100274717 | Global Internet Based Method and System For Compiling, Assigning, Registration, and Maintenance of Unique Tags - A method and process of a Registrar creating unique Equipment Tags for use of one or more Equipment owners wherein there is no duplication of Tags among the participating Equipment owners. The Equipment owner requests the Tag and its registration as a service over the Internet or other network in the same way as a Client might request a URL from a domain registration agency. The Registrar receives payment in exchange for receiving the exclusive right to use the Tags from the Registrar's System. The Tags are the product of the Registrar's System. The processor may utilize a Tag generator. The Tags are generated upon instruction of software operating on the computer processor. The Tags may be issued for an identified piece of Equipment. Information regarding the Equipment may be entered on the Tag Register. The Tag and Equipment information is stored in the Tag Register interfacing with the computer processor. The Equipment owner receives exclusive use of the Tag for a fixed period of time. The Equipment owners interface with the System over the Internet or other network. | 2010-10-28 |
20100274718 | FINANCIAL INSTITUTE-IMPLEMENTED ACCOUNT MANAGEMENT SYSTEM - Systems, methods, and computer program products are provided for an automated system for financial institution account management. The methods, systems and computer program products herein described allow the customer to link financial institution accounts and authorize a financial institution automatically and intuitively manage the linked accounts. Automated management includes managing the transfer of funds between accounts to ensure minimum balances, maximize rate of return and minimize the number of transfers between accounts. | 2010-10-28 |
20100274719 | Delayed Settlement Transactions - Methods for deferring settlement of a transaction are disclosed. A server computer receives an authorization request message for a transaction. The server computer then receives an authorization response message for the transaction. The server computer then receives a deferred settlement indicator for the transaction. | 2010-10-28 |
20100274720 | 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. | 2010-10-28 |
20100274721 | VERIFICATION OF PORTABLE CONSUMER DEVICES - Embodiments of the invention are directed to methods, systems, and computer program products pertaining to obtaining, providing, and using dynamic card verification values for portable consumer devices, such as credit cards and debit cards. An exemplary method comprises receiving, at a server, a request for a device verification value for a portable consumer device associated with a user; obtaining, at the server, a datum indicative of a device verification value for a portable consumer device; and sending, from the server, the datum to at least one of a phone number or network address of a personal communication device associated with the user. | 2010-10-28 |
20100274722 | APPARATUS, METHOD, AND COMPUTER PROGRAM PRODUCT FOR RECOVERING TORN SMART PAYMENT DEVICE TRANSACTIONS - Initial presentation of a payment device to a payment terminal assembly, in connection with a putative transaction, is facilitated. The payment device includes a payment device memory storing a device-side payment application, with an on-device balance, and at least one payment device processor coupled to the payment device memory. The payment terminal assembly includes a terminal memory, storing a terminal-side payment application, and at least one terminal processor coupled to the terminal memory. A first command is sent from the payment terminal assembly to the payment device to compute a cryptogram to complete the putative transaction. It is detected that the cryptogram is not received as expected. In response, an identifier of the payment device and transaction recovery data associated with the putative transaction are stored in a storage area of the terminal memory. The payment terminal assembly obtains the identifier of the payment device, upon re-presentation of the payment device to the payment terminal assembly. Upon the re-presentation of the payment device to the payment terminal assembly, the payment terminal assembly compares the obtained identifier of the payment device to contents of the storage area. Conditioned at least upon the comparing yielding a match, a second command is sent from the payment terminal assembly to the payment device. The second command instructs the payment device to re-produce the cryptogram to complete the putative transaction. | 2010-10-28 |
20100274723 | Apparatus and method for providing transaction history information, account history information, and/or charge-back information - A computer-implemented method, including processing, with a processing device, information regarding an account involved in a transaction involving an individual, wherein the information regarding the account is received by a receiver, and further wherein the information regarding the account is processed prior to a processing, a completion, a consummation, or a cancellation, of the transaction, generating, with the processing device, a report or a message in response to the processing of the information regarding the account, wherein the report or the message contains information regarding a charge-back regarding a previous transaction involving the account, and transmitting, with or from a transmitter, the report or the message to a communication device associated with a merchant, vendor, or provider, of a good, product, or service. | 2010-10-28 |
20100274724 | Encrypted E-Commerce Product - A system for conducting a financial transaction in e-commerce on the internet includes objects prepared by a seller and a buyer. The seller's object includes a clear text header file (advertisement), an encrypted overhead file which contains verification data pertaining to the financial transaction, and an encrypted content file containing the subject matter for sale by the seller. With a purchase solicitation from the buyer, an overhead key can be used by a transaction agency to ensure there is a compliance between the purchase solicitation and the verification data of the overhead (from seller's object). Next a revelation key is provided to give the buyer access to the content when such compliance has been ensured. | 2010-10-28 |
20100274725 | AUTHORIZATION OF PAY USAGE OF ELECTRICITY BY NON-PREMISE MOBILE ELECTRICITY CONSUMERS - Embodiments of methods and apparatuses for authorizing a non-premise mobile (NPM) paying consumer to consume electricity from an electrical outlet are disclosed herein. In various embodiments, the electrical outlet has an associated outlet identifier, but limited, at most local communication capability. In various embodiments, a computing device may be configured to receive from a communication device associated with the NPM electricity consumer, a request to consume electricity through the electrical outlet. The request may include the outlet identifier, a payment identifier associated with the NPM electricity consumer, and a transaction quantity. Additionally, the computing device may be configured to generate and transmit, on successful arrangement for at least some payment, an authorization token authorizing a limited or unlimited consumption of electricity through the electrical outlet commensurate with the payment arranged, to the communication device. | 2010-10-28 |
20100274726 | SYSTEM AND METHOD OF CONTACTLESS AUTHORIZATION OF A PAYMENT - The system consists of a POS terminal ( | 2010-10-28 |
20100274727 | System, method and computer program product for forming two or more contracts from offers sharing a plurality of unified terms and conditions - A method system and computer product are provided to drive a process that includes the aspects of method generating an executed license agreement by presenting a licensing offer via a computer and receiving an acceptance by a user of the computer of the licensing offer. The licensing offer may apply to one or more products, software programs, or software services. A web service may alternatively or additionally be authorized by the licensing offer upon receipt of an acceptance by the user of the licensing offer. | 2010-10-28 |
20100274728 | Video Shipment Monitoring - The present disclosure describes systems and methods for conducting remote business transactions between a client and an entrepreneur that include generating records including video verification of some or all aspects of the remote business transaction. According to one aspect of the system, the client sends a plurality of items to the recipient. Upon reception of these items, the recipient creates an inventory of the items, including video verification of the inventory. Such video verification is included in a stored electronic record of the remote business transaction. Via any suitable telecommunications network, this electronic record, including the video verification of the transmitted inventory, is accessible by the client. | 2010-10-28 |
20100274729 | System and Method for Varying Electronic Settlements Between Buyers and Suppliers with Dynamic Discount Terms - A method of making payment. A request is received to effect payment between a buyer and a seller for a transaction having established terms. The terms include a payment amount and a settlement date. Messages are exchanged between the buyer and the seller that include an offer and acceptance of new terms for payment other than the established terms. The new terms include an adjusted amount of payment to be made at a particular time after an event associated with the transaction. An electronic notification that the event has occurred is received, and after the notification, payment between the buyer and seller is effected under the new terms. In one implementation, a digital signature indicating acceptance of the new terms is received. Another embodiment of the invention is directed to a method of effecting payment that includes receiving requests to effect a set of transactions with a set of entities. Requests for offers of terms different than the established terms are sent to the entities, and the different terms are to apply to payment made at a particular time after the event. Offers are received in response to the requests, and a set of offers among the offers is selected based on a set of one or more criteria. Requests for offers and selection of the offers may be made based on a goal seeking process. Another embodiment of the invention is directed to a method of making payment involving a buyer, seller and a third party, such as a financial institution. A system for making payment is also described. | 2010-10-28 |
20100274730 | RIGHTS OFFERING AND GRANTING - Processes and systems for offering and granting digital rights that govern distribution and usage of content, services and resources. The processes and systems provide a basis for flexible business models and negotiation transactions between content providers and users. The concept of meta-rights, which permit digital rights to be derived, permits upstream parties in a content distribution chain to dictate rights granted and received by downstream parties. Therefore, each transaction can be considered as a two party transaction between a rights supplier and a rights consumer. | 2010-10-28 |
20100274731 | Method and System for Recording Real Estate Transactions - The present invention provides a system for recording real estate transactions including, at least one buyer and at least one seller and/or at least one real estate agent, at least one property for sale, at least one real estate transaction between said buyer and seller/real estate agent and a recording means for capturing at least one footage of said transaction whereby the system for recording real estate transactions provides a means of enabling a person to have a visual and/or audio record of all aspects of a real estate transaction. | 2010-10-28 |
20100274732 | PROCESSES FOR VERIFYING CREATORS OF WORKS REPRESENTED IN AN ELECTRONIC CATALOG - An electronic catalog system provides an interface for users to author and post content for viewing by other users. Users who are verified as creators of works represented in the electronic catalog (e.g., authors of books) are additionally given the option to post content that is displayed on the catalog pages of such works with attribution to the works' creators. In one embodiment, the system is capable of verifying a user's claim to be a creator of a particular work through automated communications with a third party verifier designated by the user. The third party verifier may, for example, be a publisher (in the case of books), a recording company (in the case of musical works), or a motion picture studio (in the case movies). | 2010-10-28 |
20100274733 | METHOD AND SYSTEM FOR ENHANCED TAXONOMY GENERATION - Methods and systems to automate the taxonomy generation process and allow for automatic synchronized cross-industry taxonomy updates. A standardized cross-industry taxonomy generation procedure is provided, which is easy to use and allows for fast generation of taxonomies. The errors in taxonomy generation are reduced, while producing synchronized industry-specific taxonomies. A software application, facilitates the automation of the taxonomy generation process and allows for automatic cross-industry taxonomy updates. A standardized cross-industry taxonomy generation procedure is characterized by error reduction in cross-industry taxonomy generation. | 2010-10-28 |
20100274734 | Credit Portfolio Benchmarking System and Method - A portfolio benchmarking system comprises a repository of trade data, a repository of consumer data, a build computer, and a benchmarking query application. The repository of trade data comprises a plurality of data items regarding trade lines. The repository of consumer data comprises a plurality of data items regarding consumers, wherein at least some information in the consumer data is not in the trade data and at least some information in the trade data is not in the consumer data. The build computer periodically generates at least one data file comprising a plurality of data items, each data item combining information from the trade data and the consumer data, such that searches can be performed on the combined data without joining trade data and consumer data at query run time. The benchmarking query application executes queries on the data file generated by the build computer. | 2010-10-28 |
20100274735 | Investment Portfolio Partitioning for Improved Returns - Described herein is a two-step elimination procedure of companies in a diversified portfolio that yields a selection of companies that overall has reduced risk and improved returns compared to the diversified portfolio. | 2010-10-28 |
20100274736 | CLASS-BASED DISTRIBUTED EVOLUTIONARY ALGORITHM FOR ASSET MANAGEMENT AND TRADING - A server computer and a multitude of client computers form a network computing system that is scalable and adapted to continue to evaluate the performance characteristics of a number of genes generated using a software application. Each client computer continues to periodically receive data associated with the stored genes stored in its memory. Using this data, the client computers evaluate the performance characteristic of their genes by comparing a solution provided by the gene with the periodically received data associated with that gene. Accordingly, the performance characteristic of each gene may be updated and varied with each periodically received data. The performance characteristic of a gene defines its fitness. The genes may be virtual asset traders that recommend trading options. The genes may be assigned initially to different classes to improve convergence but may later be decided to merge with genes of other classes to improve diversity. | 2010-10-28 |
20100274737 | METHOD AND SYSTEM FOR MONITORING FOR AND REPORTING OF LIEN DISTRESS EVENTS - A computer-based method of monitoring for and reporting of a lien distress event relatable to a lien against a property includes the steps of extracting loan data from a client loan portfolio, defining the lien distress event relatable to the loan data by using one or more lien distress event criterion, detecting an occurrence of the lien distress event iteratively, and notifying a client of the occurrence of the lien distress event. | 2010-10-28 |
20100274738 | Guaranteed Principal Investment System, Product and Method - A software-implemented investment system and related software product including at least one equity profile, one or more non-guaranteed investment instruments and at least one target-risk profile, wherein the target-risk profile and the investment equity profile provide a return on an initial investment amount, said return comprising at least a predetermined sum certain principal amount. | 2010-10-28 |
20100274739 | Using Commercial Share of Wallet To Rate Investments - Commercial size of spending wallet (“CSoSW”) is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet (“CSoW”) is the portion of the spending wallet that is captured by a particular financial company. A modeling approach utilizes various data sources to provide outputs that describe a company's spend capacity. A mutual fund rating company can use this CSoW/CSoSW modeling approach to predict the performance of funds that invest in a particular industry or sector. In addition, since mutual funds often provide guidelines for selecting stocks, rating companies can use this modeling approach to predict the performance of companies in a fund's portfolio. | 2010-10-28 |
20100274740 | BUSINESS METHOD AND SYSTEM FOR PLANNING EXECUTING AND ADMINISTERING A PUBLIC OFFERING OF REVENUE BACKED SECURITIES - A computer system which includes both hardware and software components which develops, executes and administers public offerings providing individual investors direct participation in joint ventures. In these public offerings, investors purchase full or fractional ownership of specified operating assets, which may be sold by venture partners or acquired from other sources. Investors become silent partners in the joint venture by contributing the use of such assets for pursuit of the business purpose(s) of the venture, and are compensated by receiving guaranteed ownership of specified revenues. These public offerings provide the joint venture or other sponsoring business entity with a new source of funding, plus other financial benefits. | 2010-10-28 |
20100274741 | Metals Mass Production and Small Run Reduced Weight Products and Methods of Producing the Same with Automatic and Numerically Controlled (NC) Hydraulic Punching and Flame Cutting Machinery including a 5 Axis NC Machine with Two Bi-Directional Angling Pivot Joints and Two Telescoping Axis Arms and One Main Carriage for Products involved in Building Construction, Bridges, Automobiles, Airplanes, and Mill Stocks including I-Beams, Channel, Angle, Flat Stocks, and Square Tubing - This invention pertains to all steel, aluminum, and alloys, in all available in stock forms and built up assembles from 10′ to 400′ or more in length, that can be weight reduced pattern processed without reducing structural integrity by numerically controlled (NC) multiple hole circular flame cutting punch, or NC plasma hole cutting machine, or NC horizontal and vertical pattern hole punching machine with hot liquid metal or water cooling. The hot scrap metal furnace return conveyer saves energy. The pattern holes formed will allow for precision cutting and cross piece intersection fastener placements. The I-beam building construction system features accurate pattern no holes cutting necessary bolt and bracket fastening methods. The NC machine accepts circular flame torch cutting and pivoting six or eight sided turret head providing five sided machining access for medium and large work pieces from 10′ to 400′. | 2010-10-28 |
20100274742 | DISTRIBUTED EVOLUTIONARY ALGORITHM FOR ASSET MANAGEMENT AND TRADING - A server computer and a multitude of client computers form a network computing system that is scalable and adapted to continue to evaluate the performance characteristics of a number of genes generated using a software application running on the client computers. Each client computer continues to periodically receive data associated with the genes stored in its memory. Using this data, the client computers evaluate the performance characteristic of their genes by comparing a solution provided by the gene with the periodically received data associated with that gene. Accordingly, the performance characteristic of each gene may be updated and varied with each periodically received data. The performance characteristic of a gene defines its fitness. The genes may be virtual asset traders that recommend trading options, and the data associated with the genes may be historical trading data. | 2010-10-28 |
20100274743 | Human-Machine Interface with Learning While Using Functionality - A human-machine interface with learning while using functionality, is involved with the fields of communication interface between human and machine. | 2010-10-28 |