45th week of 2011 patent applcation highlights part 51 |
Patent application number | Title | Published |
20110276428 | RELATED PRODUCT SYSTEM AND METHOD - Computer-implemented systems and methods for automatically creating a second customized product design incorporating information from a first customized product design. Information from a first custom product design is automatically combined with additional automatically selected content to create a new custom product to be promoted to the customer. When possible, information known about the customer, such as the customer's geographic location or business interests, is used to select the additional content for incorporation into the design. | 2011-11-10 |
20110276429 | Method and System for Facilitating On-Line Shopping - A shopper is presented with a customized online store whose inventory is defined by the shopper. In one embodiment, specification of the inventory is conducted in a bricks and mortar store—either during checkout, or by the shopper walking the aisles and scanning items with a barcode scanner pen or the like. The inventory may be defined—at least in part—by scanning items in the shopper's home. A variety of other novel features useful in on-line shopping are also disclosed. | 2011-11-10 |
20110276430 | System And Method For Online Obtainment And Publishing Of Information Of Products - A system and method for online obtainment and publishing of information of products is provided. The system includes a server further including a database to store records containing information of products. A registration means registers third party users and sellers. Input acceptance means accepts inputs containing information of products from third party users and/or sellers and provides the inputs to the database for storage. Index price determining means is used to extract and sort the records stored in the database based on their product prices and determines index prices for the products whose information is stored in the database, based on the sorted records. The records are verified using verification means and further to verification, the records are transmitted to a plurality of nodes where the records are displayed in predefined manner and third party users' feedback are received using input means. | 2011-11-10 |
20110276431 | SELLING MECHANISM - The present invention relates to methods and apparatus for providing a selling mechanism, in particular for connectivity. A trading engine 102 may receive a seller request for a connectivity leg from a seller wherein the seller request includes a seller criteria. A routing engine 103 may identify if the connectivity leg falls within a connectivity path for a buyer. The routing engine 103 may determine if relevant criteria of the seller criteria for the connectivity leg are fulfilled and a reservation component 107 may reserve the connectivity leg for said buyer based if the relevant criteria of the seller criteria are fulfilled. | 2011-11-10 |
20110276432 | FLEXIBLE ASSET AND SEARCH RECOMMENDATION ENGINES - The subject mater herein relates to Internet-based commerce and, more particularly, to a flexible asset and search recommendation engines. Various embodiments herein provide systems, methods, and software to identify relationships between assets and provide asset recommendations as a function of the identified relationships. in some embodiments, relationships between assets are identified by gathering statistics including a probability of an action in view of one or more other actions an entity may have performed. | 2011-11-10 |
20110276433 | FACILITATING THE EXECUTION OF TRANSACTIONS BETWEEN CUSTOMERS AND PROVIDERS | 2011-11-10 |
20110276434 | SYSTEMS AND METHODS FOR PROVIDING INFORMATION FROM MULTIPLE SOURCES - A method and a system for providing information about a posting from multiple sources are provided. For example, the method may comprise storing a posting that was submitted by a first user in an online publication system. Then, one or more stored inquiries associated with the posting may be retrieved. Finally, a response is selectively retrieved from a response source. The retrieved response may correspond to the stored inquiry and the posting. The response source is at least one of the posting, the online publication system, the first user, and a user account of a second user. | 2011-11-10 |
20110276435 | Supplier/Buyer Network that Provides Catalog Updates - Embodiments for a supplier/buyer (S/B) network providing catalog updates are disclosed. One method includes the S/B network receiving a request for an update of product information of a catalog. The S/B network receives a profile request of at least one supplier from a buyer. The S/B network confirms that the at least one supplier supports product updates. If the at least one supplier supports product information updates, then the S/B network receives the request for a product information update from the buyer, and requests the product information update from the at least one supplier. The S/B network receives the product information update from the at least one supplier, and the S/B network updates the catalog based on the product information update. | 2011-11-10 |
20110276436 | PAYMENT CARDS AND DEVICES WITH GIFT CARD, GLOBAL INTEGRATION, AND MAGNETIC STRIPE READER COMMUNICATION FUNCTIONALITY - A payment card (e.g., credit and/or debit card) or other device (e.g., mobile telephone) is provided with a magnetic emulator operable to communicate data to a magnetic stripe read-head. Gift cards may be inputted by a user into such a payment card or other device such that a user can combine gift cards. Similarly, a user be provided with a global payment account that can be utilized in multiple countries that have different standards for formatting data. A user may be provided with a default country (e.g., United States) but may have a way to select that the user is in a different country (e.g., Japan). Accordingly, a user may select that a Japanese data structure be transmitted through a magnetic stripe reader when the user is in Japan. | 2011-11-10 |
20110276437 | PAYMENT CARDS AND DEVICES WITH GIFT CARD, GLOBAL INTEGRATION, AND MAGNETIC STRIPE READER COMMUNICATION FUNCTIONALITY - A payment card (e.g., credit and/or debit card) or other device (e.g., mobile telephone) is provided with a magnetic emulator operable to communicate data to a magnetic stripe read-head. Gift cards may be inputted by a user into such a payment card or other device such that a user can combine gift cards. Similarly, a user be provided with a global payment account that can be utilized in multiple countries that have different standards for formatting data. A user may be provided with a default country (e.g., United States) but may have a way to select that the user is in a different country (e.g., Japan). Accordingly, a user may select that a Japanese data structure be transmitted through a magnetic stripe reader when the user is in Japan. | 2011-11-10 |
20110276438 | ONLINE PURCHASING SYSTEM SUPPORTING SELLERS WITH AFFORDABILITY SCREENING - An online system uses, in various embodiments of the invention, credit report information, loan affordability screening and credit approval and management functionality to facilitate the purchase and finance of products online. The online system may include both sellers of products and lenders that offer financing to buyers seeking to purchase the products. The system may automatically obtain a buyer's credit report information and use that information to determine if the buyer is pre-approved, for example, to obtain financing for a particular product or products. The system also enables use of buyer credit information to identify only those of a seller's products for which the buyer is pre-approved, for example, to finance using one or more loans. The system then enables selection of an identified product or products for purchase, and selection of a loan, for example, for financing of the selected product or products. Credit approval (or pre-approval) may be performed automatically, and along with credit processing, may be performed completely online. | 2011-11-10 |
20110276439 | Configuration Representation and Modeling Using Configuration Spaces - Configuration spaces facilitate the useful presentation of data, particularly configuration data used for representing configured products. Products include features and common features can be grouped by families. For example, an automobile can include a transmission family. The transmission family could include features such as automatic transmission and 4-speed manual transmission. Configuration spaces can be achieved by consolidating selected data without loosing useful information. The degree of consolidation achieved can be significant enough to permit display of data using conventional display technology. Configuration spaces break down the “universe” of possible configurations into constituent spaces defined by groups of rules for a selected feature. Common dependencies between the selected feature and related features can be consolidated to produce a more minimal form of the data used for representing the selected features and related features. Configuration spaces can provide a useful graphical view of the breakdown of all rules written for a single feature or multiple features. The data present in this view can be analyzed to, for example, study the dependency paths of an existing configuration and better understand the impact of revising configuration relationships. Thus, configuration spaces aid in the creation and modification of configuration models. | 2011-11-10 |
20110276440 | System for Generating and Delivering Both Real-Time and Historical Analytic Reports for Data Captured Through Sensor Related Technology - A system and method are disclosed in which the system is a business intelligence system that captures data in real time and allows for historical and analytical reporting. The solution relies on RTLS and UHF RFID sensor technology that captures the exact x, y, and z coordinates of a particular asset, i.e., person or object and based upon the detection of a pre-encoded UHF RFID tag. The system is comprised of various components that are beneficial in order to produce reports. The system relies on hardware components such as tags and sensors that communicates and passes data to the application framework that handles data, stores data captured from sensors as events in database and Lygase using algorithms, business rules and SQL to generate meaningful real time reports. | 2011-11-10 |
20110276441 | PROCESS FOR ASSIGNING ACCOUNTING CODES - A process for assignment of accounting codes and/or sales tax provisions upon recordal of a transaction on the transaction system of a banking institution characterised in that includes the steps of communicating a pre-determined list of accounting code categories to the transactor, selection of one or more appropriate categories by the transactor, assignment of the sales tax applicable to the transaction by the transactor, forwarding a message containing the accounting code selected and the sales tax information, to the banking institution, interpretation of the received message by the transaction system, storing the information contained in the message within the transaction system, and forwarding a confirmation of the receipt to the transactor. | 2011-11-10 |
20110276442 | System and Methods for User-Centric Mobile Device-Based Data Communications Cost Monitoring and Control - Systems and methods for providing user-centric device-based data communications cost monitoring and controls. In an embodiment, the method operates by sending a registration request associated with a subscriber session, determining current data usage associated with the subscriber, and sending data usage thresholds. The method further comprises sending quotas associated with the subscriber session after collecting data usage information associated with the subscriber session. The method receives a notification at the subscriber's mobile device when a pre-determined quota is exceeded during the subscriber session to control data usage. The system communicates with a usage policy server and a usage policy application. The usage policy application allows a subscriber to alter terms and service tiers of a subscription. The usage policy application displays current data usage information on a per-network and per-application basis using subscriber profile information, subscriber session information, and prior subscriber usage history received from the usage policy server. | 2011-11-10 |
20110276443 | MULTI-RESOURCE SERVICES - Embodiments of the invention provide systems and methods for managing multi-resource services. According to one embodiment, a method of managing multi-resource services can comprise creating a requisition for services. The multi-resource requisition can relate to and define an overall project. A multi-resource work order to a selected supplier for the overall project can be generated based on an acceptance and sourcing of the multi-resource requisition. Sourcing of one or more individual services can be performed based on the multi-resource work order. Sourcing can comprise creating a provider work order. The provider work order can relate to and define one instance of the one or more individual services to be provided within the overall project Total costs for the one or more individual services defined by the multi-resource work order can also be subject to a limit on total costs for the overall project defined by the multi-resource work order. | 2011-11-10 |
20110276444 | METHOD AND DEVICES FOR SERVICE RATING - A method of service rating in a service providing network is described. The method comprises: —a service entity performing (S | 2011-11-10 |
20110276445 | Timekeeping Computer System with Image Capture and Quick View - The method and system keeps track of employee time with a timekeeping computer and a camera. The camera captures an image of an employee upon clock-in by the employee. The computer maintains, in its memory, an earlier image of the employee. The employer enters an authenticate employee command, and the system visually displays the time-in image of the employee the clock in time and the earlier stored image of the employee. The system captures an exit image of the employee at clock-out. The employee's exit image and the time and date data is available for viewing. | 2011-11-10 |
20110276446 | HETEROGENEOUS SERVICE PROVIDER MODEL THROUGH PAY-FOR-PERFORMANCE BASED TRANSIT SETTLEMENTS - A method and system of a heterogeneous service provider model through pay-for-performance based transit settlements are disclosed. In one embodiment, a system includes a plurality of Point of Presence (POP) locations between a head office and a branch office in a heterogeneous computer network configured to communicate data through a pay-per-performance peering relationship between different entities of the heterogeneous computer network. In this embodiment, the system implements a debit-credit mechanism configured to handle payments as well as penalties associated with violation of a pair-wise mutual agreement between independent for-profit entities providing network services in a segment of the heterogeneous computer network. | 2011-11-10 |
20110276447 | METHOD AND SYSTEM FOR PROVIDING REAL-TIME COMMUNICATIONS SERVICES - The present invention provides a method and a system for providing at least one communications service to one or more service providers by a communications service provider. Communications capabilities of the communications service provider are sliced into a plurality of virtual slices and each of the plurality of virtual slices is configured for a different service provider from among the one or more service providers. At least one communications service is provided to each of the one or more service providers through a respective configured virtual slice by the communications service provider. Each of the one or more service providers further provides the communications service to a user through the respective configured virtual slice in collaboration with the communications service provider. | 2011-11-10 |
20110276448 | PLUG-IN HYBRID AND ELECTRIC VEHICLE CHARGING SYSTEM - An invention is described that enables a vehicle's electrical energy storage devices to charge in parking areas in which components of this invention are installed. The amount of energy consumed, combined with the amount charged are the components of a transaction. An embodiment allows the vehicle owner to have the cost of the energy consumed charged to his home electric bill. Another embodiment allows the vehicle owner to have the cost of the energy consumed charged to his home electric bill by recording his personal identification number at a kiosk or other input device co-locate at the parking area. | 2011-11-10 |
20110276449 | System and Method for Determining Copyright Infringement and Collecting Royalties - The present invention describes methods for obtaining compensation for copyright infringement wherein in one embodiment the invention comprises the steps of obtaining infringement data related to a copyright infringement; extracting infringement information from the infringement data; sending an infringement notice to an Internet Service Provider, wherein the Internet Service Provider verifies that an infringer has committed copyright infringement based upon the infringement data that was provided to the Internet Service Provider; and sending a notice to the infringer regarding the infringement information, wherein the notice includes a payment option for reconciling the copyright infringement. Additionally, the present invention discloses a computer-readable storage medium containing a set of instructions for a general purpose computer comprising the set of instructions including: obtaining infringement data; extracting infringement information from the infringement data; sending an infringement notice to an Internet Service Provider, wherein the Internet Service Provider verifies that an infringer has committed copyright infringement based upon the infringement data that was provided to the Internet Service Provider; and sending a notice to the infringer regarding the infringement information, wherein the notice includes a payment option for reconciling the copyright infringement. | 2011-11-10 |
20110276450 | INTEGRATED SYSTEMS FOR ELECTRONIC BILL PRESENTMENT AND PAYMENT - The present invention relates generally to electronic commerce, and more particularly to methods and systems for integrating electronic bill presentment and payment among billers, consumers, banks and other financial institutions, electronic payment facilitators, and web portals and other spaces able to support an interface for presentment and/or payment of bills. | 2011-11-10 |
20110276451 | Motivational goal based interactive system and method - A motivational goal based online interactive system and method for personal development comprising a single web page for easy access to a calendar, goal tracker, motivational quote, video, recommended motivational and inspirational books, tapes and other material. The system and method of the invention provides for a success tracker and individualized feedback to assist the client user in achieving both short term and long term goals. | 2011-11-10 |
20110276452 | Procurement and Salvage Auction System - An on-line RFP procurement auction system with bidder sub-auctions for both repair and salvage of damaged property, using a telecommunications network accessible by network members including requesters, repair bidders, and salvage bidders, for processing an RFP for goods and services through at least one server and operating software. The system includes a database for each category of goods and services offered or desired by network members; software for requesters to generate RFPs for goods or services that include photographic and alpha-numeric RFP data; software for transmitting the RFPs to the server; capacity for e-mail and wireless distribution of RFP notices to bidders who have requested notices within selectable categories of RFP's; capacity to enable a repair bidder to submit an encrypted bid to the server; and capacity within the server for generating a list of all responsive bids and e-mailing the same to the requester after conclusion of an auction. | 2011-11-10 |
20110276453 | INFORMATION PROCESSING APPARATUS, INFORMATION PROCESSING METHOD, AND PROGRAM PRODUCT - An information processing apparatus includes: a rating threshold calculating unit obtaining a probability p | 2011-11-10 |
20110276454 | System and method for providing a platform for the trade of exotic options - The present invention is a system and method for providing a platform for the trade of Exotic F.I.s. According to some embodiments of the present invention, there may be provided a server or server cluster including at least one Interfacing Server adapted to interface with a user, possibly via a distributed data network such as the internet. The IS1 may be adapted to present to a user an Exotic F.I.s trading platform, to receive from a user trade instructions and execute them. The platform may include innovative trade options including batch trade options, series trade options, parlay trade options and “close now”/“extend” options. | 2011-11-10 |
20110276455 | AUTOMATED TRADING SYSTEM - An anonymous trading system is configured to receive a price stream from a bank or other institution. The price stream is converted into a quote stream and input into the trading system via an automated trading interface. The quote stream has its own deal code. The deal code credit limits are set so that the only parties that have credit with the deal code are other deal codes of the same institution. At least one of these deal codes represents a prime broker bank and prime broker customers therefore have access to the institution's price stream to the exclusion of other parties trading on the system. A distributor distributes the quotes from the trading system to the prime broker customers' traders, to prime broker customer automated trading interfaces, and to prime broker customer deal feed systems for logging of deal tickets and communication of those deal tickets to back office systems. | 2011-11-10 |
20110276456 | System and Method for Providing a Platform for the Trade of Financial Instruments - The present invention is a system and method for providing a trading platform for the trade of F.I.s. According to some embodiments of the present invention, there may be provided a server or server cluster including at least one Interfacing Server adapted to interface with a user, possibly via a distributed data network such as the interne. The IS1 may be adapted to present to a user a trading platform, to receive from a user trade instructions, via the platform, and execute them. The trading platform may include innovative trade options including mid-trade options (e.g. trade insurance), batch trade options, series trade options, parlay trade options and “close now”/“extend” options. | 2011-11-10 |
20110276457 | COMPOUND ORDER HANDLING IN AN ANONYMOUS TRADING SYSTEM - Joint execution type compound orders can be processed in an anonymous trading system comprising a plurality of broker nodes each of which includes an order matching functionality and a market distribution functionality. Trader agent nodes are connected to a number of dealer terminals grouped in trading floors and also to a broker node. Joint execution orders are entered as hit orders and are all matched by the broker during the hit or the order is cancelled. If matches are made the taker's trading agent does not complete any of the deals marking up the order until it knows that all the deals are executable. The system may be used to allow traders to hit bids and offers in currency pairs synthesised from other currency pairs. In this arrangement the dealer enters a simple order in the synthetic currency and the taker's trading agent converts it into a joint execution order. | 2011-11-10 |
20110276458 | SYSTEM FOR MANAGING INTERNET TRADING NETWORKS - A system for performing a method for managing a supplier for participation in trading networks. The method includes: receiving from each trading network a volume commitment consolidating volume commitments for offerings of commodities and services; negotiating with each trading network to supply to customer members of the trading network the commodity or service; storing, for each trading network for each supplier, attributes including start date, end date, services and products offered to the trading network, and payment flow for the commodities and services; offing a trading network package based on negotiations occurring before receiving purchase requests from the customer members, the trading network package including: (i) a value-add service offering to the customer members for a fee, and (ii) a managed package for which a customer member provides a volume commitment and actual purchases are tracked; and negotiating price discount levels for committed levels of demand from the trading networks. | 2011-11-10 |
20110276459 | SYSTEM AND METHOD FOR EXECUTING STRATEGY SECURITY TRADING - A computer implemented method and system for executing block trades for a security includes steps or devices for receiving a block trade request, at a computer system. The block request includes data representing a quantity of shares of the security to be traded over a period of time. The computer system divides the period of time into a plurality of time bins. A computer system, for the received block trade request, computes, for each time bin, a number of shares to be traded as a trading target based on at least historical trading volumes using predictive analysis. For a first time bin, a computer system generates executable trade orders for a number of shares to be traded that is substantially equal to the trading target for the first time bin. A computer system executes at least a portion of the executable trade orders in a trade forum within each time bin in the future. | 2011-11-10 |
20110276460 | SYSTEM AND METHOD OF IMPLEMENTING MASSIVE EARLY TERMINATIONS OF LONG TERMFINANCIAL CONTRACTS - A method of and system for terminating or assigning outstanding OTC derivative transactions between a plurality of financial institutions (banks). The system comprises: a processing station arranged to receive transaction data describing a plurality of transactions from a plurality of banks via the Internet. The processing station comprises: a linking module for linking different versions of the same transaction received from different parties to that transaction; an analysis module for determining a set of linked transactions between a plurality of different banks, wherein each bank has debts and claims towards other banks in the set; a calculation module arranged to calculate an aggregated value of each set of linked transactions and select the set of linked transactions which has an aggregated value within bank-specified tolerance limits acceptable for executing a termination; and an execution module for executing a termination or assignment of the selected set of linked transactions. | 2011-11-10 |
20110276461 | SYSTEM AND METHOD OF IMPLEMENTING MASSIVE EARLY TERMINATIONS OF LONG TERMFINANCIAL CONTRACTS - A method of and system for terminating or assigning outstanding OTC derivative transactions between a plurality of financial institutions (banks). The system comprises: a processing station arranged to receive transaction data describing a plurality of transactions from a plurality of banks via the Internet. The processing station comprises: a linking module for linking different versions of the same transaction received from different parties to that transaction; an analysis module for determining a set of linked transactions between a plurality of different banks, wherein each bank has debts and claims towards other banks in the set; a calculation module arranged to calculate an aggregated value of each set of linked transactions and select the set of linked transactions which has an aggregated value within bank-specified tolerance limits acceptable for executing a termination; and an execution module for executing a termination or assignment of the selected set of linked transactions. | 2011-11-10 |
20110276462 | SYSTEM AND METHOD FOR CHANGING THE VIEW OF A TRADING SCREEN - A trading screen displays market information, such as working orders, buy and sell orders, and other items of interest, in association with values on a value axis. Each item of interest is therefore displayed in relation to the value axis to provide a trader with an intuitive display of the market. In one embodiment, a user can select a location associated with a particular value on the trading screen and upon an selection, for example, by a click of the mouse button, the value axis is repositioned so that the selected value is moved to a predefined location. During which, market information is moved to new locations that are associated with their respective values on the value axis. | 2011-11-10 |
20110276463 | SYSTEM AND METHOD FOR A TRADING INTERFACE INCORPORATING A CHART - A graphical interface and method are provided for displaying market information corresponding to a tradeable object. One graphical interface includes a chart region for displaying historical market data in relation to a first value axis, and a market grid region in alignment with the chart region. The market grid region comprises a plurality of areas for receiving commands from a user input device to send trade orders, and the areas are displayed in relation to a second value axis. A plurality of values displayed along the second value axis is a subset of values displayed in relation to the first value axis, and can be modified to a new plurality of values that corresponds to a new subset of values on the first value axis. | 2011-11-10 |
20110276464 | SYSTEM AND METHOD FOR GENERATING REAL-TIME INDICATORS IN A TRADING LIST OR PORTFOLIO - A trading platform computer system for detecting an abnormal trading condition of a security uses real-time and estimated values of one or more variables associated with the condition of the security to generate one or more analytic metrics that are compared to empirical distributions based on one or more peer groups for the security. An indicator can then be displayed to a trader as an indication of the abnormal condition. | 2011-11-10 |
20110276465 | MID TRANSACTION SUSPENSE AND MICRO LOAN METHOD AND MODULE - A real-time transaction interrogation and determination module that can identify if a cardholder transaction has been declined for insufficient funds. This module, 2 | 2011-11-10 |
20110276466 | ONLINE PURCHASING SYSTEM SUPPORTING BUYER AFFORDABILITY SCREENING - An online system uses, in various embodiments of the invention, credit report information, loan affordability screening and credit approval and management functionality to facilitate the purchase and finance of products online. The online system may include both sellers of products and lenders that offer financing to buyers seeking to purchase the products. The system may automatically obtain a buyer's credit report information and use that information to determine if the buyer is pre-approved, for example, to obtain financing for a particular product or products. The system also enables use of buyer credit information to identify only those of a seller's products for which the buyer is pre-approved, for example, to finance using one or more loans. The system then enables selection of an identified product or products for purchase, and selection of a loan, for example, for financing of the selected product or products. Credit approval (or pre-approval) may be performed automatically, and along with credit processing, may be performed completely online. | 2011-11-10 |
20110276467 | SYSTEMS, METHODS, APPARATUSES, AND COMPUTER PROGRAM PRODUCTS FOR FACILITATING PRODUCT TRANSACTIONS - Methods, apparatuses, and computer program products are provided for facilitating financing of a product transaction. A method may include determining a maximum available back-end product for the product transaction as a function of one or more of a target payment limit or a total advance limit. The method may also include determining a maximum available back-end spread for the product transaction as a function of the target payment limit. The method may further include presenting the maximum available back-end product and the maximum available back-end spread. Corresponding apparatuses and computer program products are also provided. | 2011-11-10 |
20110276468 | Method And Apparatus For Evaluating Fraud Risk In An Electronic Commerce Transaction - Evaluating fraud risk in a transaction between consumer and a merchant over a network is disclosed. The merchant requests service over the network using a secure, open messaging protocol. An e-commerce transaction or electronic purchase order is received from the merchant, the level of risk associated with each order is measured, and a risk score is returned to the merchant. In one embodiment, data validation, highly predictive artificial intelligence pattern matching, network data aggregation and negative file checks are used to examine numerous factors to calculate fraud risk. A risk score is generated and compared to the merchant's specified risk threshold. The result is returned to the merchant for order disposition. | 2011-11-10 |
20110276469 | CONSUMER BEHAVIORS AT LENDER LEVEL - The present disclosure generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More specifically, it relates to rating lenders based on data derived from their respective consumers. Also, the present disclosure relates to rating consumer lenders based on the predicted spend capacity of their consumers. | 2011-11-10 |
20110276470 | CONSUMER BEHAVIORS AT LENDER LEVEL - The present disclosure generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More specifically, it relates to rating lenders based on data derived from their respective consumers. Also, the present disclosure relates to rating consumer lenders based on the predicted spend capacity of their consumers. | 2011-11-10 |
20110276471 | CONSUMER BEHAVIORS AT LENDER LEVEL - The present disclosure generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More specifically, it relates to rating lenders based on data derived from their respective consumers. Also, the present disclosure relates to rating consumer lenders based on the predicted spend capacity of their consumers. | 2011-11-10 |
20110276472 | Closure for A Compartment - The invention provides a closures ( | 2011-11-10 |
20110276473 | SYSTEM AND METHOD FOR FACILITATING EXCHANGE OF ESCROWED FUNDS - An electronic escrowed funds transfer system includes an escrow server in communication with a request client and a resource control client. The escrow server may include a funds management module to process and track funds being held in escrow, a resource management module to process a resource modification request, and a data repository module to store information relating to the request client, the resource control client, a resource to be modified, and/or the resource modification request. The resource modification request may be received by the escrow server and may include information relating to a location of the resource to be modified, an amount of funds to be paid for a modification of the resource, and/or a condition associated with the modification of the resource. The resource management module may transmit a notification upon receipt of the funds to the resource control client that a funded modification request has been received, and the resource management module may monitor a status of the modification of the resource to be modified to ensure that the condition has been met. The resource management module is in communication with the funds management module to release the funds to the resource control client upon determining that the condition has been met. | 2011-11-10 |
20110276474 | Method for Facilitating Payment of a Computerized Transaction - A method for facilitating the transfer of a payment for a computerized transaction between a buyer and a seller for the purchase of an item using a computer network, such as the Internet. The method includes the steps of communicating, from a seller's computing station to an agent computing system, data regarding the transaction between the buyer and the seller, wherein the data identifies the buyer, the seller, and the amount of the transaction. The agent computing system communicates transaction information displayable to the buyer, such as a confirmation number created by the agent computing system for identifying the transaction, an order number corresponding to a merchant order number provided by the merchant for identifying the transaction, an exchange rate between a first local currency usable to the buyer and a second currency usable by the seller, and a total price of the transaction expressed in the first local currency usable by the buyer. Receiving an actual payment from the buyer at a plurality of agent locations is provided for, the agent locations being in communication with the agent computing system. Upon receiving the actual payment from the buyer at one of the agent locations, a message is communicated to the seller that the actual payment for the transaction was received at the agent location, thereby permitting the seller to begin shipment of the item to the buyer. Funds are transferred to the seller preferably paid in the second currency usable by the seller. | 2011-11-10 |
20110276475 | PAYMENT TRANSACTION DISPUTE RESOLUTION SYSTEM - A system, apparatus, and method for resolving disputes arising from payment transactions. Such disputes may relate to the non-performance of an obligation agreed to by a party to a transaction, or the dispute may involve an allegation that a payment transaction was fraudulent, with a chargeback being requested. The invention may be used to resolve disputes arising from payment transactions that are processed by more than one payment processor, such as for a first payment transaction that was processed by a first payment processor and a second payment transaction that was processed by a second and different payment processor. | 2011-11-10 |
20110276476 | SYSTEM FOR SENDING ELECTRONIC MONEY AND METHOD FOR SENDING ELECTRONIC MONEY - A system for remitting electronic money and a method for remitting electronic money, by which subscriber identification information of each user can be used as a virtual electronic money account and electronic money can be conveniently exchanged/remitted between different countries by using the subscriber identification information. | 2011-11-10 |
20110276477 | METHOD AND APPARATUS FOR MANAGING OWNERSHIP OF VIRTUAL PROPERTY - A method and apparatus for managing ownership of virtual property accessible to users is provided by a computer-implemented system connected to a network. This method and apparatus further comprises maintaining an inventory of virtual properties, managing ownership of virtual properties, and allowing use of virtual properties by corresponding property owners within corresponding network spaces. In particular, virtual properties are purchased from a system by user computers, wherein virtual properties may be accessed by a user and/or sold or traded to other users which may include auction websites | 2011-11-10 |
20110276478 | Systems and Methods to Manage Information - Systems and methods are provided to facilitate online transactions via mobile communications. In one aspect, a system includes a data storage facility and an interchange coupled with the data storage facility that stores purchase receipts in association with phone numbers. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the controllers in different formats and with the common format processor in a common format, to obtain a confirmation of a payment request that identifies a phone number, a merchant and a purchase from the merchant. After a confirmation is received, the interchange is to use funds associated with the phone number to pay the merchant for the purchase and to receive and store a receipt for the purchase from the merchant. | 2011-11-10 |
20110276479 | PRIVATE PAYMENT AND PURCHASING SYSTEM - A system allows for conducting the financial and commercial (buying, selling, donating, gifting and paying) transactions that leverage communication devices to avoid the disclosure of a user's payment information. The payee (seller, seller's agent, receiver of funds, etc.) provides information or a token to the payer (buyer, buyer's agent, or any other provider of funds) who then directs funds to that token. In other words, rather than the payer providing information that is used by the payee to “pull” funds from the payer, the system allows a payee to provide information to which a payer “pushes” a payment. Since the payment is “pushed” by a customer, and often, but not always, using some type of a communication and/or computing device, the point-of-sale (POS) terminal has essentially been transferred from the merchant to the customer. | 2011-11-10 |
20110276480 | Profile Advertisements - In one aspect, this application describes a method for determining personal advertisements for display with search results. The method includes receiving a query that corresponds to content associated with members of an online social network, generating search results that are responsive to the query, and obtaining information that characterizes a personal advertisement that advertises a particular member of the online social network. The method also includes comparing information associated with the search results to the information that characterizes the personal advertisement to determine whether the personal advertisement is related to the search results. The method also includes providing the personal advertisement for display with the search results in response to determining that the information that characterizes the personal advertisement is related to the search results. | 2011-11-10 |
20110276481 | Automated Budget Management, Multiple Payment, and Payment Authority Management - A direct debit authority management system is used to facilitate bill payments involving a customer, a bank or financial body, and multiple billers who each bill the customer. A customer service module enables a customer to create or modify a plurality of direct debit authorities for a plurality of billers. A customer registration process is facilitated by the interface, the process capturing information for use in respect of multiple billers and to establish a direct debit authority for each biller before a bill is rendered by the respective biller, each direct debit authority being established based on the captured customer information. A repository stores customer direct debit authorities for multiple billers, storing customer information following the customer registration process and storing biller information following the biller registration process. The system links a customer with a biller through the direct debit authority and allows a biller to draw funds from a customer based on the stored direct debit authority. | 2011-11-10 |
20110276482 | SYSTEM AND METHOD FOR IDENTIFYING MULTIPLE TYPES OF ELECTRONIC MONEY, AND APPARATUS APPLIED THERETO - The present disclosure relates to a system and method for identifying multiple types of electronic money, and an apparatus employing the same. The system for identifying multiple types of electronic money includes an electronic money terminal apparatus capable of identifying various types of electronic money and providing an electronic money service, including charging, payment, and transfer of electronic money | 2011-11-10 |
20110276483 | METHOD AND DEVICE FOR DEPOSITING CHECKS - The Invention relates to a method for submitting and processing checks using an ATM, which comprises a reading unit in order to read in the image data of a check, using a web service, which is provided over a network, comprising the following steps:
| 2011-11-10 |
20110276484 | IDENTITY VERIFICATION SYSTEMS - Identity verification systems and methods for remotely verifying a user's identity are disclosed. In some exemplary embodiments, the identity verification systems and methods may be used to verify an identity for a remote transaction. An exemplary embodiment of the system may comprise a capture unit, a delivery unit, a verification unit, a transaction unit, and a user account associated with the user. The capture unit may capture one or more verification images of the user, an identification document, and one or more other financial or identification documents. The delivery unit may transmit the verification documents to a server assembly. The verification unit may provide verification of the user's identity based on the verification images. The transaction unit may determined whether a transaction requested via the user's user account qualifies for verified status based on identity verification and, accordingly, whether the transaction should be afforded predetermined privileges of verified status. | 2011-11-10 |
20110276485 | METHOD OF ESTABLISHING IDENTITY VALIDATION BASED ON AN INDIVIDUAL'S ABILITY TO ACCESS MULTIPLE SECURE ACCOUNTS - A system and methods that enables and utilizes the conversion of an individual's ability to access multiple secure accounts to establish and validate the individual's digital primary identity. The control for the digital primary identity validation is user-centric so that the individual controls the amount of information supplied and therefore the level of assurance achievable. The level of assurance can be added to the digital primary identity. An identity card for digital primary identity validation can be used online or in-person. Validation and level of assurance is reviewed regularly or continuously. Levels of assurance can be increased by validating primary sources of identification. | 2011-11-10 |
20110276486 | SYSTEM AND METHOD FOR SECURING PAYMENT - A system and method for secured payment in credit transactions using a credit transaction terminal in a store, having a central processing unit adapted to communicate with the transaction terminal receiving identification information and transaction information from transaction terminal, communicating with customer to verify transaction and authenticate the identity of said customer, and carrying out a transaction without disclosing to the transaction terminal customer related information. | 2011-11-10 |
20110276487 | SYSTEM AND METHOD INCLUDING CHIP-BASED DEVICE PROCESSING FOR TRANSACTION - Present embodiments are directed to a server computer. The server computer establishes a first channel of communication to receive payment device data in a first format (e.g., chip type) and establishes a second channel to receive the payment device data in a second format (e.g., legacy type). The server computer receives an authorization request message in the second format from a merchant and generates a new authorization request message in the first format. The server computer then forwards the new authorization request to the issuer for approval. | 2011-11-10 |
20110276488 | METHOD OF CREDIT CARD TRANSACTION AUTHORIZATION USING VOIPOW TECHNIQUE - A method of credit card transaction authorization using VoIPoW phone is provided to efficiently and economically perform authorization by both recognizing a credit card and identifying a holder of the credit card, which key feature of the method is that the VoIPoW phone is independent of environmental barriers, time as well as space limitations and communication costs, and a real-time intercommunication between a card holder and a relevant card issuing bank through VoIPoW phone can be performed to effectively preclude credit card fraud. | 2011-11-10 |
20110276489 | ELECTRONIC TRANSACTION FRAUD PREVENTION - A card fraud prevention network and method are provided. The network includes a plurality of network-connected data processing terminals, including at least one server. Electronic authorisation requests are received for authorising the processing of an electronic transaction associated with a cardholder's card data or account data. The received requests are filtered according to predetermined or configurable criteria. A cardholder terminal is identified, to which the request is sent in order to notify the cardholder that processing of an electronic transaction is proposed, a parameter of which is the cardholder's card data or account data. Means are provided for interrupting processing of the, or any further, electronic transaction with that card data or account data, should the request correspond to an unauthorised transaction. | 2011-11-10 |
20110276490 | SECURITY SERVICE LEVEL AGREEMENTS WITH PUBLICLY VERIFIABLE PROOFS OF COMPLIANCE - Techniques are described herein that are capable of providing security guarantees in security service level agreements (SLAB). For instance, a security SLA may specify a level of service to be provided to a user with respect to at least one security property (e.g., confidentiality, integrity, write-serialization, read freshness, etc.). Attestations may be used to prove occurrence (or non-occurrence) of violations of security properties in a manner that is universally verifiable, e.g., by third parties. An attestation is an indicator that is generated by a user to certify that the user makes a request (e.g., get request or put request) or an indicator that is generated by a cloud service provider to certify that the cloud service provider accurately fulfills a request of a user. A security SLA may specify a payment to be made to a user in response to an occurrence of a violation of a security property. | 2011-11-10 |
20110276491 | METHODS AND SYSTEMS FOR IN-GAME ADVERTISING - Methods and systems for content initiation are described. In one embodiment, execution of an executable application is initiated. The executable application is associated with source code of a gaming application and a compiled version of a gaming application. Advertising data is received through a network. The source code of the gaming application is recompiled using the advertising data to create a recompiled version of the gaming application. Game play of the recompiled version of the gaming application is initiated. The game play includes presentation of advertising based on at least a portion of the advertising data. Additional methods and systems are disclosed. | 2011-11-10 |
20110276492 | AUTHENTICATED PAYMENT | 2011-11-10 |
20110276493 | METHODS AND APPARATUS FOR A FINANCIAL DOCUMENT CLEARINGHOUSE AND SECURE DELIVERY NETWORK - An electronic clearinghouse system (ECS) for securely delivering, retrieving, authenticating, storing, generating and distributing messages, such as financial documents and/or records are described. For message providers, the ECS can provide a secure and trusted venue for delivering messages, such as messages including financial data to their clients that reduces their delivery costs. For users of the ECS, the ECS can provide a central location where each user can receive and consolidate their messages, such as financial documents and associated financial data from a number of different financial data providers. To facilitate these functions, the ECS can include an automated system for recording delivery status as well as evidence of delivery of messages, including whether a message has been viewed by a particular user. Further, the ECS can include components for scheduling events, such as monetary transfers and bill payments, and providing reminders for such events. Also, the ECS can provide utilities that allow a user to package and securely deliver messages to other users. | 2011-11-10 |
20110276494 | METHOD AND APPARATUS FOR ORDERING GOODS, SERVICES, AND CONTENT OVER AN INTERNETWORK USING A VIRTUAL PAYMENT ACCOUNT - A secure, closed virtual payment system comprising registered buyers and sellers for ordering and paying for goods, services, and content over an internetwork is disclosed. A buyer becomes registered by applying for a virtual payment account. A seller becomes registered by applying for a seller account. A credit processing component ( | 2011-11-10 |
20110276495 | ONE-TIME USE PASSWORD SYSTEMS AND METHODS - According to the invention, a method of using a one-time password for a transaction between a user and a merchant is disclosed. The method may include generating the one-time password. The method may also include authenticating the user by the authentication server in response to a request from the user to use the one-time password. The method may further include authorizing the use of the one-time password for the transaction in response to authenticating the user by the authentication server. The method may moreover include using the one-time password in combination with an account number to settle the transaction between the user and the merchant. The method may additionally include sending a message to the authentication server originating from the merchant, wherein the message comprises the one-time password, and wherein the message requests a determination whether the one-time password is authorized for use in the transaction. The method may also include sending a message to the merchant originating from the authentication server, wherein the message includes a determination whether the transaction should be approved in response to the authentication server determining whether the one-time password is authorized for use in the transaction. | 2011-11-10 |
20110276496 | SECURE PROTOCOL FOR TRANSACTIONS - A secure protocol for transactions, such as electronic commerce transactions, is described that provides improved security through exploiting an independent (where this independence is logical and/or physical) communication path (e.g., between a customer and a back-end financial institution), ensuring that key financial information remains within the back-end financial institutions themselves. Hence, this protocol directly reduces cyber-crime risks through improvements to transaction security. In addition, various implementations of the secure protocol provide non-repudiation for one or more of the entities involved in the transaction. | 2011-11-10 |
20110276497 | SYSTEM AND METHOD FOR DEBT SETTLEMENT - A system and method for debt settlement has a user enter debt information for each creditor of the user. A first letter is generated to each creditor of inability of user to maintain current credit terms. The first letter is sent to each creditor. | 2011-11-10 |
20110276498 | PROCESS AND SYSTEM FOR ESTIMATING RISK AND ALLOCATING RESPONSIBILITY FOR PRODUCT FAILURE - The invention is a process and a system for identifying the risk areas in a manufacturer's logistic processes and for allocating responsibility for product unit failure to discrete events in the products' lifetimes. The system comprises one or multiple abuse sensors that are co-located with the product units or their containers, one or multiple readers for capturing sensor data, a data transfer utility for dispatching the recorded data to a database and an analysis module. The analysis module aggregates data across the product units returned to the manufacturer, measures the risk of product failure due to specific events of interest in the products' lifetime and estimates the associated costs. | 2011-11-10 |
20110276499 | COLLECTING DATA FROM MULTIPLE SOURCES AND AUTOMATICALLY GENERATING A REPORT USING THE COLLECTED DATA, SUCH AS COLLECTING DATA RELATED TO PROPERTY TAXES FROM MULTIPLE SOURCES AND AUTOMATICALLY GENERATING A PROPERTY TAX ASSESSMENT APPEAL - An system and method for collecting property data from 3rd party resources and determining based on the property data, whether a subject property is over or under assessed by a county tax assessor. A report is generated which includes arguments and evidence for use in appealing the assessment, based on comparable sales, comparable assessments, and answers to questions relating to a subject property. | 2011-11-10 |
20110276500 | Processing a request for an IP right - A system and process for filing a request with an administrative body, the system having a communications interface and a server connectable to a data communications network. A primary module of the server is able to receive data about an IP right from a user. This data is then used by a data gateway to access information on the IP right. A verification module verifies the ability to validly file the request based on the information accessed by the data gateway. The primary module is operatively coupled to a communications module. The communications module is able to send a message via the communications interface to file the request with the administrative body. The communications module is also able to receive electronic acknowledgement via the communications interface in response to the message sent. The primary module is able to issue a notification to the user confirming the filing of the request. | 2011-11-10 |
20110276501 | LICENSE MANAGEMENT APPARATUS, DEVICE, AND LICENSE MANAGEMENT METHOD - A license management apparatus including an issuing unit configured to generate and issue a license identifier and license information, the license identifier being associated with a product identifier of at least one purchased program and also with the license information for the purchased program; a storing unit configured to store the license identifier in a license information storing unit; a determining unit configured to receive a license identifier via a network, and to determine whether the license identifier is stored in the license information storing unit; and a sending unit configured to send via a network instruction information to acquire the purchased program or a program entity corresponding to the product identifier associated with the license identifier, and to also send via a network a license file configured to allow usage of the purchased program, in the case that the license identifier is stored in the license information storing unit. | 2011-11-10 |
20110276502 | CENTRALIZED AND COMPUTERIZED CONTROL SYSTEM FOR CHECKING THE AUTHENTICITY OF A PRODUCT - A computerized system for verifying the authenticity of products, to each product being associated a respective univocal sign, the system is provided with: a computing apparatus, which wirelessly receives and transmits data from/to a consumer terminal; and a centralized database, operatively coupled to the computing apparatus, and including a plurality of data records, each data record being associated to a particular product and the related univocal sign and having a data structure including a first field for storing a description of the product and a second field for storing the related univocal sign. The computing apparatus is able to: receive from the consumer terminal a authenticity verification request for verifying the authenticity of a given product, the request including data relating to at least part of the univocal sign associated to the given product; perform a search in the centralized database based on the received electronic data, for retrieving from the centralized database the data record associated to the given product; perform a data comparison based on the received electronic data and the univocal sign stored in the retrieved data record; determine a current result of the authenticity verification based on the outcome of the data comparison and also based on a preset verification strategy involving parameters relating to past authenticity verifications carried out at the computerized system for the same given product and/or parameters relating to characteristics of the given product; and send a response to the remote terminal including the determined current result of the authenticity verification. | 2011-11-10 |
20110276503 | METHODS, SYSTEMS, AND COMPUTER READABLE MEDIA FOR PROVIDING WEB APPLICATION-BASED GOVERNMENT GRANT COMPLIANCE MONITORING, DATA MINING, AND AUTOMATIC RESUME GENERATION - Methods, systems, and computer readable media for providing web application-based government and institutional grant compliance monitoring, data mining, reporting, automatic resume generation, and automatic group and individual comparisons of progress are disclosed. According to one method, information is received from a user relating to their career via a web-based application. At least a subset of the information is automatically formatted and provided to a third-party for grant compliance monitoring. At least a subset of the information is automatically formatted and provided to the user as a resume. | 2011-11-10 |
20110276504 | METHODS AND APPARATUS FOR PROVIDING REMUNERATION FOR ADVOCACY - Users in a social networking environment are matched with subjects of advocacy, such as products, services, offers, candidates, etc., by evaluating user profile characteristic information. The user may provide advocacy materials and an advocacy system may also generate advocacy materials that may be incorporated with the user's own testimonials. The advocacy materials are distributed using social network channels. A remuneration tracking system monitors distribution of the advocacy materials and analyzes metrics to determine the effectiveness of the distribution. In some examples, the renumeration tracking system monitors redistribution of the advocacy materials, purchase or selection of an offer upon viewing the advocacy materials, and/or commenting or positively valuing the advocacy materials. | 2011-11-10 |
20110276505 | SYSTEMS AND METHODS FOR PROVIDING CREDIBILITY METRICS FOR JOB REFERRALS - Methods and systems for assigning a credibility score for referrals provided through a professional talent management platform are described herein. Embodiments provide for registering members with the platform, listing available positions, accepting position referrals from the members, and associate credibility scores with the platform members. | 2011-11-10 |
20110276506 | SYSTEMS AND METHODS FOR ANALYZING CANDIDATES AND POSITIONS UTILIZING A RECOMMENDATION ENGINE - Methods and systems for assigning generating referrals within a talent management platform are described herein. Embodiments provide for registering platform members, obtaining profile information from the members and from member external networks, analyzing the profile information to obtain subjective information about the members and potential referrals, generating referrals for open positions by applying the subjective information to requirements of the open positions. | 2011-11-10 |
20110276507 | SYSTEM AND METHOD FOR RECRUITING, TRACKING, MEASURING, AND IMPROVING APPLICANTS, CANDIDATES, AND ANY RESOURCES QUALIFICATIONS, EXPERTISE, AND FEEDBACK - A system and method for locating resources and providing recruitment information. Including a memory device for storing the information regarding a at least one resource, a at least one resource criteria, a at least one resource match, and a at least one processing device for processing information regarding the information, criteria, resource and match. In one aspect, the processing device utilizes information regarding a at least one job opening, an applicant's contract, an interviewer's available date, an interviewer available time, and a interview schedule, stored in the memory device, and further wherein the processing device generates a message containing information regarding at least one of a job opening, an interview schedule, an interviewer, an applicant's contract, a date and a time, wherein the message is responsive to the job interview request, and a transmitter for transmitting the message to a communication device associated with an individual in real-time. | 2011-11-10 |
20110276508 | SYSTEM AND METHOD FOR AN INFLUENCE BASED STRUCTURAL ANALYSIS OF A UNIVERSITY - An educational institution (also referred as a university) is rich with multiple kinds of data: students, faculty members, departments, divisions, and at university level. Relating and correlating this data at and across various levels help in obtaining a perspective about the educational institution. A structural representation captures the essence of all of the relationships in a unified manner and an important aspect of the relationship is the so-called “influence factor.” This factor indicates influencing effect of an entity over another entity, wherein the entities are a part of the structural representation. Given such a structural representation, a system and method that propagates the influence factors of the entities to arrive at a stable representation from the point of view of influences is discussed. | 2011-11-10 |
20110276509 | SYSTEM AND METHOD FOR UNIVERSITY MODEL GRAPH BASED VISUALIZATION - An educational institution (also referred as a university) is rich with multiple kinds of data: students, faculty members, departments, divisions, and at university level. A structural representation that captures the essence of all of the relationships in a unified manner has concise information about the educational institution, and visualization is a way to bring out all this information in an explicit manner so that the various of the users of the educational institution system understand effectively their system. A system and method for visualization based on the structural representation of a university along a variety of dimensions is discussed. | 2011-11-10 |
20110276510 | DISTRIBUTED-USER SHIPPING SYSTEM - A system and method is described for controlling user access to a carrier's shipping services for delivery of a package. The system controls the user's access to the carrier's services by either limiting the selection of locations from which a package can be shipped to fewer than those described by the carrier's service area, or by limiting the user's ability to select shipping service levels to fewer than those provided by the carrier. Such limitation may be by way of displaying only a limited collection of ship from locations and service levels, or by pre-populating and locking ship from information submission fields on a web page. The distributed-user shipping system may reside on a client server or mobile computer that is connected to the carrier's server and transmits various shipping location information and service level selections to the carrier to facilitate shipping of packages while controlling the scope of shipping services provided. | 2011-11-10 |
20110276511 | Apparatus and Method Using Near Field Communications - A near field communications enabled mobile communication is used to provide or receive information. | 2011-11-10 |
20110276512 | SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR PROVIDING A RECOMMENDATION OF A MEDIA ITEM - A processor retrieves, from a database, an identifier of a first media item rated by a target user, user identifiers of users having provided media item ratings for the first media item, and the media item ratings provided by the users, correspondingly. Each of the media item ratings is randomized, resulting in randomized media item ratings. A user identifier corresponding to a maximum of the randomized media item ratings is selected from the user identifiers. Additional media item ratings associated with the selected user identifier are retrieved from the database. Each of the additional media item ratings are randomized, resulting in additional randomized media item ratings. An identifier of a recommended media item corresponding to a maximum of the randomized media item ratings and the additional randomized media item ratings is selected. Metadata associated with the recommended media item is transmitted to a user device over a network. | 2011-11-10 |
20110276513 | METHOD OF AUTOMATIC CUSTOMER SATISFACTION MONITORING THROUGH SOCIAL MEDIA - Methods and systems provided herein provide an enterprise with the ability to conduct automated customer feedback surveys. In particular, customer interactions on social media channels are intelligently monitored, aggregated, filtered, and analyzed to determine a customer's response to a particular product or service. Since customers are more likely to be truthful regarding their reaction to a product or service on a neutral forum, such as a social media channel, more accurate customer feedback can be obtained in a less intrusive manner than has previously been available. | 2011-11-10 |
20110276514 | EVALUATING THE QUALITY AND RISK-ROBUSTNESS OF AN ENERGY GENERATION CAPACITY RESOURCE PLAN UNDER INHERENT UNCERTAINTIES IN ENERGY MARKETS AND CARBON REGULATORY REGIME - The present invention includes a computing system for evaluating a quality and risk-robustness of a utility company's capacity resource plan (CRP). The computing system computes a net present value of a total cost distribution of the CRP. The computing system calculates a standardized risk measure defined over the net present value. The computing system computes a resource plan that minimizes the standardized risk measure. Then, the computing system compares the standardized risk measure and the resource plan. | 2011-11-10 |
20110276515 | SYSTEM AND METHOD FOR PROVIDING AN INTERMEDIARY FOR A TRANSACTION - A method of providing an intermediary for a transaction is provided. The method includes receiving a first request to place a first order to trade a first product at a first price, the first product being associated with one or more events. The first order is placed. The method further includes receiving a second request to place a second order to trade the first product at a second price. The second order is placed. A match between the first order and the second order is identified based at least in part on the first price of the first order and the second price of the second order. A first set of one or more obligations is established based at least in part on the first order, and a second set of one or more obligations is established based at least in part on the second order. | 2011-11-10 |
20110276516 | METHOD AND SYSTEM FOR COLLECTING AND USING MARKET DATA FROM VARIOUS SOURCES - A system and a method for collecting and using market data. The system includes a workstation, where at least one message is entered, a transmitter, where the at least one message is transmitted, a parser for parsing the at least one message, a data recognizer for identifying relevant information in the at least one message, a processor for extracting the relevant information and a communicator for communicating the relevant information. | 2011-11-10 |
20110276517 | SYSTEM AND METHOD FOR INCORPORATING MORTALITY RISK IN AN INVESTMENT PLANNING MODEL - A retirement planning method for computing possible future values of a portfolio of an investor. In one embodiment, the method includes the steps of (a) receiving a plurality of user inputs comprising an initial value of the portfolio and a current age of the investor; (b) providing data indicating one of cumulative probabilities of living to an age of death and cumulative probabilities dying at an age of death for persons of a given age group; (c) randomly drawing a number between 0 and 1 for the investor; (d) defining the randomly drawn number as one of said one of cumulative probabilities of living to an age of death and cumulative probabilities of dying at an age of death; (e) determining an age of death of the investor in accordance with said data based on the current age of the investor and the randomly drawn number; (f) computing a future value of the portfolio using the age of death of the investor determined in step (e), a predetermined rate of return, and the initial value of the portfolio; and (g) outputting the computed future value of the portfolio. | 2011-11-10 |
20110276518 | FEE MODELS BASED ON PLUG-IN USE - A method and apparatus for calculating fees charged to users based on the plug-in use is disclosed. An application framework is provided as an extensible software platform. Users may integrate plug-in components into the application framework. Each plug-in component may identify a fee model defining how charges are assessed for using the plug-in. An auditing component, calculates the fees charged to each user of the customized application framework based on the features of the application framework and the plug-in use made by each individual user. | 2011-11-10 |
20110276519 | SINGLE SPACE WIRELESS PARKING WITH IMPROVED ANTENNA PLACEMENTS - A wireless parking meter with an improved antenna location is described. The antenna may be located within a covering protruding from the top of the parking meter, allowing radio frequency (RF) signals to be transmitted through a portion of the parking meter with high permittivity to the RF signals. Additionally or alternatively, the antenna may be located within the parking meter housing above a lower parking meter mechanism housing so that RF signals can be transmitted through the dome covering of the parking meter, which may have a high permittivity to the RF signals. | 2011-11-10 |
20110276520 | PROMOTIONAL AND TRANSACTIONAL HOTEL KEYCARD - Disclosed is a method of providing an advantage to a hotel by supplying discounts and promotional opportunities to a hotel guest by the use of the hotel keycard. The keycard can access offsite attractions and be used to facilitate transactions among cooperating entities. Purchases made using the keycard offsite can be charged to a hotel guest's room. By using the hotel keycard a hotel guest can take advantage of prearranged discounts by simply presenting the keycard. | 2011-11-10 |
20110276521 | System and method for monetizing content - A system and method for generating revenue from copyrighted information and other content. The content is selected, and the ownership and other permissions needed to generate revenue from this content is then cleared. A liquidity event for the content, such as a public auction, is provided. A distributed computer system is provided for carrying out the revenue generating methodology. | 2011-11-10 |
20110276522 | Standardization and reconstitution of phytochemicals for medical dispensation - A method to produce compositions with a standardized phytochemical content comprises growing marijuana in a controlled environment, harvesting live green leaves from the marijuana, processing the green leaves to produce a phytochemically standardized slurry, heating the slurry to produce a thin film, and cutting a film into pieces each sized to contain a selected dosage of the phytochemical. | 2011-11-10 |
20110276523 | MEASURING DOCUMENT SIMILARITY BY INFERRING EVOLUTION OF DOCUMENTS THROUGH REUSE OF PASSAGE SEQUENCES - One embodiment of the present invention provides a system for estimating document similarity. During operation, the system selects a collection of documents which includes a first set of passages, constructs a passage-sequence model based on the first set of passages, receives a new document which includes a second set of passages, and determines a sequence of operations associated with the new document in relation to the collection of documents based on the constructed passage-sequence model. | 2011-11-10 |
20110276524 | Data Structures and Apparatuses for Representing Knowledge - Data structures and apparatuses to represent knowledge are disclosed. The processes can comprise labeling elements in a knowledge signature according to concepts in an ontology and populating the elements with confidence values. The data structures can comprise knowledge signatures stored on computer-readable media. The knowledge signatures comprise a matrix structure having elements labeled according to concepts in an ontology, wherein the value of the element represents a confidence that the concept is present in an information space. The apparatus can comprise a knowledge representation unit having at least one ontology stored on a computer-readable medium, at least one data-receiving device, and a processor configured to generate knowledge signatures by comparing datasets obtained by the data-receiving devices to the ontologies. | 2011-11-10 |
20110276525 | REFERENCE MARKERS FOR BIOLOGICAL SAMPLES - The present invention provides methods, compositions and kits that include reference markers in biological samples. The reference samples can be marked with DNA oligomers that can be derived from sequences that do not to exist in the human genome. These sequences can be determined by an algorithm used to search published genomes for the shortest sequences which are not present (“nullomers”). Such reference markers can be used in forensic, medical, legal or other applications. | 2011-11-10 |
20110276526 | POSITION RESOLVED MEASUREMENT APPARATUS AND A METHOD FOR ACQUIRING SPACE COORDINATES OF A QUANTUM BEAM INCIDENT THEREON - The position calculation of prior art position sensitive detector systems relies on a known geometry pattern of individual electrodes and the distribution of the charge parts. A heuristic estimation is made in order to calculate an initial coordinate of irradiation. In contrast, the present invention allows one to calculate the position of an incident particle in terms of direct mapping of the measured detector response into position coordinates detector surface. The device for estimating the space coordinates of an irradiation position onto a detector comprises a position sensitive detector; an irradiation source; means for measuring the response of detector generated upon irradiation by irradiation source; and an artificial neural network structure provided such that the measured detector response is the input to the artificial neural network structure and the initial space coordinates of irradiation are the output of the artificial neural network structure. | 2011-11-10 |
20110276527 | BALANCE POINT DETERMINATION - Systems and methods for predicting energy usage of an asset are provided. Among several implementations of methods implemented by a computer, one embodiment of a computer-implemented method includes selecting one of a plurality of base temperatures that allows a linear equation to estimate energy consumption by an asset as a function of an average daily demand on the asset to attain a desired temperature. The computer-implemented method also includes inserting the selected base temperature in a non-linear equation for modeling the asset's energy consumption. | 2011-11-10 |