| 47th week of 2012 patent applcation highlights part 57 |
| Patent application number | Title | Published |
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| 20120296773 | TRANSACTIONAL SECURITY OVER A NETWORK - A system and method facilitates purchase transactions over a computer network, including the purchase of electronically storable items. The embodiments herein encrypt “customer information” in an encryption stream and cause the encryption stream to be transferred from the customer to a merchant in the purchase transaction. A verification entity receives the encryption stream which is sent by the merchant for identity verification and payment authorization. Then, the verification entity verifies the identifiers contained in the encryption stream and transfers an identity verification and payment authorization from the verification entity to the merchant. The encryption stream or unique transaction identifier can be added, by the merchant, to a purchased electronic item to create a personalized electronic item. | 2012-11-22 |
| 20120296774 | COMPLIANCE MANAGER - An estimate compliance tool specifying estimate compliance criteria is presented. The estimate compliance can be accessed via hardware, software or a combination thereof. The tool can be configured to include functions facilitating creation of rules that outline criteria for estimate creation or invoicing. A user can enter vehicle and parts identification via a user interface to which a rule will apply. The user can also enter a rule requirement or suggestion. The compliance tool can include multiple modules configured to accept user input regarding vehicle or parts criteria or configured to create an estimate compliance rule based on the vehicle or parts criteria. The compliance tool can further include a storage medium configured to store multiple estimate compliance rules and a profile module. The profile module creates a rules profile comprising multiple estimate compliance rules. Additionally, the tool provides a compatibility module that checks compliance rules for conflicting rule criteria. | 2012-11-22 |
| 20120296775 | METHOD AND SYSTEM FOR FACILITATING PRODUCT SHOPPING - A method and a system to facilitate finding a product (e.g., camera) and corresponding product accessories are described. A selection of a theme mode from a plurality of theme modes is received. A list of product models and a list of product accessory models based on the theme mode are presented. A selection of a product model combination including a product model and at least one product accessory model respectively from the list of product models and the list of product accessory models is received. A list of product combinations based on the product model combination is retrieved from a database. Each product combination include a product and at least one product accessory respectively supplied from one of product suppliers and one of product accessory suppliers. The list of product combinations may be ranked based on a sum value of a product value and at least one product accessory value in each product combination. | 2012-11-22 |
| 20120296776 | ADAPTIVE INTERACTIVE SEARCH - A method, system, and computer-readable medium for searching for items in a set of items using a similarity model. These search techniques may be used in an online purchasing system. Receiving orders for items may comprise receiving input from a user indicating a request for a first item in the set of items, picking a first plurality of items from the set of items based on the first item and a similarity model, presenting the first plurality of items to the user, and receiving a request from the user for a second item in the first plurality of items. The similarity model may represent similarity between items in the set of items and may be used to select a subset of items to quickly to lead to identification of an item of interest. | 2012-11-22 |
| 20120296777 | DYNAMIC LOCATION-BASED SIGNAGE - Dynamic signage systems are provided for a sales environment. A dynamic signage device (e.g., a tablet computer) is associated with a product, e.g., based on a location of the device and/or the product, and can present information about the product to a customer in an interactive manner. The device can automatically check for updated product information and modify its display based on the updated product information. Management of multiple dynamic signage devices can be coordinated within and across stores, and an interactive floor-map creation system incorporating dynamic signage devices can facilitate changing the associations between products and dynamic signage devices. | 2012-11-22 |
| 20120296778 | AUTOMATING THE PROCESS OF PURCHASING A MEMORY UPGRADE FOR A COMPUTER SYSTEM - One embodiment of the present invention provides a system that facilitates purchasing a memory upgrade for a computer system. This system operates by obtaining memory configuration information for the computer system, and then determining a memory upgrade option based upon the memory configuration information. Next, the system presents an option to purchase the memory upgrade option to a user of the computer system. If the user indicates that the user would like to purchase the memory upgrade option, the system automatically initiates a purchase transaction for the memory upgrade option. In one embodiment of the present invention, the system automatically initiates the purchase transaction through a web site. In a variation on this embodiment, the system automatically transfers at least part of the memory configuration information to the web site so that the user does not have to reenter details of the memory configuration information. | 2012-11-22 |
| 20120296779 | PRODUCT INFORMATION PROVIDING SERVER APPARATUS, PRODUCT INFORMATION DISPLAY PROGRAM, PRODUCT INFORMATION DISPLAY METHOD, PRODUCT INFORMATION PROVIDING SYSTEM, TERMINAL DEVICE, AND RECORDING MEDIUM ON WHICH PRODUCT INFORMATION DISPLAY PROGRAM IS RECORDED - The present invention provides, for example, a terminal device which allows users who do shopping utilizing a network to simulate a sense of doing shopping actually getting around in a store and enjoy shopping. | 2012-11-22 |
| 20120296780 | SYSTEMS AND METHODS FOR EXCHANGING PRODUCT INFORMATION - Systems and methods for exchanging item information between business entities, in a social network, are disclosed. A profile generator can receive information about a business entity and use the information to generate a business profile. The business profiles can be associated via user initiated connections into a social network. A request generator can receive item detail information and/or questions from a requester to generate an item information request. The request may be sent to one or more request targets. A request target can view and respond to requests via a user interface and/or the business profile. A response generator can receive information from a responder to generate a response to an item information request and send the response to the requester. A requester can view responses and notify responders of the requester's selection of the responder for a transaction. A notification engine can notify users of requests and responses. | 2012-11-22 |
| 20120296781 | Compartmentalized Delivery and Removal Container System for Construction Materials - A roll-on, roll-off compartmentalized container developed for the construction industry and the method of utilizing the container. The present invention is concerned with a compartmentalized roll-off container for use on construction sites, especially for roofing projects, and designed to be delivered by a transport truck equipped to transport the container, such as a hoist truck, and roll the container off of the truck onto the ground. Additionally, the container includes various compartments to allow for delivery of new construction materials in certain compartments and removal of waste material and material to be recycled in the same or other compartments. | 2012-11-22 |
| 20120296782 | System for Managing Product Inventory Counts - A system for managing product inventory includes an Internet-connected server and software executing on the server from a non-transitory physical medium, the software providing establishment of a first association of at least one stock keeping unit (SKU) and any associated metadata including product availability counts to at least one point in time and or at least one time range identified within an interactive shopping media presentation, establishment of a second association of at least one potential consumer to the interactive shopping media presentation, monitoring for and tracking of interaction sequences initiated by the at least one potential consumer, the interaction sequences enabled from within the interactive shopping media presentation or from within an interactive display associated thereto, and adjustment of the SKU-based product availability counts in the SKU metadata relative to the latest interaction results. | 2012-11-22 |
| 20120296783 | AUTOMATED COMMISSION PROGRAMS - A commission program can include an asymptotic component when calculating compensation for distributors. An asymptotic leg can extend to infinity without exceeding a target percentage. A distributor can be compensated based on selected distributors in the compensated distributor's downline. Recurring non-contiguous inclusion of distributors can be applied. A random component can be incorporated into the compensation program. The program can include innovative techniques going beyond conventional systems to better provide a balance between distributor motivation and sustainability of the program. | 2012-11-22 |
| 20120296784 | CONTROLLING QUALITY OF SERVICE PROVIDED TO OVER THE TOP APPLICATIONS IN A TELECOMMUNICATIONS SYSTEM - A method is disclosed for controlling Quality of Service (QoS) provided through a network for communications between an Over The Top (OTT) application on an OTT application server and a User Equipment node (UE). The method includes receiving a registration request from the OTT application requesting provisioning of QoS through the network for the OTT application. An Application Programming Interface (API) of a service delivery platform (SDP) is configured to have dependent rules that provision a QoS level for the OTT application responsive to the registration request. QoS for a communication session between the UE and the OTT application through the network is controlled responsive to the QoS level provisioned for the OTT application. Related communication systems, OTT application servers, and SDPs are disclosed. | 2012-11-22 |
| 20120296785 | VOLTAGE-DEPENDENT METER - A meter for recording or determining the electrical energy withdrawn from an electrical supply network or supplied to it is provided. The meter including a component for measuring the current supply voltage, and a component for determining the operating mode based on the currently withdrawn or supplied electrical energy, wherein the operating mode can be changed, depending on the measured supply voltage, in such a way that a relatively high supply voltage causes a slower metering process than a comparatively low supply voltage. | 2012-11-22 |
| 20120296786 | ACCOUNT RESERVE - Embodiments of the invention are directed to systems, methods and computer program products for managing an account. In some embodiments, a method includes receiving information associated with an account. The method further includes determining, based at least partially on the information, a selected amount of currency from the account to hold in a reserve associated with the account and indicating the selected amount of currency to hold in the reserve. In some embodiments, the selected amount of currency is determined based at least partially on determining one or more eligible transactions from a transaction history associated with the account. In some embodiments, an eligible transaction may be a recurring transaction such as a rent payment transaction, a utilities payment transaction, etc. | 2012-11-22 |
| 20120296787 | Personal Transaction Number - The Personal Transaction Number, (PTN), will cease fraudulent Activity in the banking industry and even some secured web sites. It is a series of numbers which shall be offered by banking, credit and Insurance industries, to their customers. A series of (PTN) in check size booklets, with each individual page displaying indentifying numbers in sequence, shall be offered to each customer. Whenever a customer is using the credit honor system at any Point of Sale, (POS), or to even access secured web sites, such as being offered by insurance companies, the customer will now have to offer a new (PTN) in sequence from this (PTN) booklet, which the customer shall have to carry on their person. This procedure shall be put into place so as to have their credit, or acceptance of entry into a web site, go forward. | 2012-11-22 |
| 20120296788 | SYSTEM AND METHOD FOR MANAGING INFORMATION RELATED TO SECURITIES AND SECURITIES ISSUERS - A system and method that enables a financial institution managing a money market fund to meet the requirements of SEC Rule 2a-7. The system and method may enable an issuer of an instrument or security to provide information to investors that are regulated by SEC Rule 2a-7, in such a manner that the instrument or security of the issuer may be purchased and held by money market funds. This includes enabling the money market fund to verify that one or more securities issued by one or more issuers meet the three of the basic requirements of the Rule, namely (1) portfolio maturity, (2) portfolio quality, and (3) portfolio diversification. | 2012-11-22 |
| 20120296789 | SYSTEMS AND METHODS FOR GAME MECHANIC DRIVEN MANAGEMENT - A method and a payment card account management system are provided. The payment card account management system is programmed to receive payment card account command instructions from a cardholder associated with the payment card account wherein the command instructions relate to at least one of payment card account management by the cardholder and account usage by the cardholder, generate an avatar expression based on the received command instructions, and display the generated avatar expression to the cardholder. | 2012-11-22 |
| 20120296790 | METHOD AND SYSTEM FOR ENABLING COLLABORATION BETWEEN ADVISORS AND CLIENTS - A common collaboration tool enables advisors, their clients and other participants to interact in a coordinated manner in various areas of interest. A client authorizes selected advisors as well as other participants to view, discuss, modify and perform other operations in response to the client's request for services. A client defines the scope of authorization for advisors and/or other participants for security and confidentiality reasons. Advisors (and/or participants) access information submitted (or authorized) by the client to collaborate as a cohesive team in sharing information, devising a plan, addressing client's concerns, drafting (or modifying) a document and performing other services for the client. | 2012-11-22 |
| 20120296791 | System and Method for Managing Investments in Infrastructure Assets - A system comprises a memory operable to store financial data associated with a business entity having a plurality of shares. The business entity may receive, directly or indirectly, income associated with rent or lease of infrastructure assets, the rent or lease paid by a first company to a second company. The system further comprises a processor that is communicatively coupled to the memory and that is operable to determine a value of each share. The processor is further operable to calculate an increase in the value of each share in response to an increase of capital expenditures associated with the infrastructure assets. | 2012-11-22 |
| 20120296792 | Process for financing and interest rate price discovery utilizing a centrally-cleared derivative - A process for financing and interest rate price discovery utilizing a centrally-cleared derivative is provided. Criteria are bid and/or offered with respect to enumerated amounts. The criteria can be prices or interest rates. The interest rate can be an overnight and other term interest rates, forward interest rates, and combinations thereof. Bids and offers are matched at the same criteria rate. Each matched bid and offer is assigned at least one derivative at a price derived from the matched criteria. The derivative is centrally cleared. | 2012-11-22 |
| 20120296793 | Rate-negotiated, standardized-coupon financial instrument and method of trading - In accordance with the principles of the present invention, a rate-negotiated, standardized-coupon financial instrument and method of trading are provided. A coupon is negotiated between two parties. At least one forward curve and a discount curve are implied or approximated to be consistent with the negotiated coupon. A consistent value for a swap with a different coupon is determined. The consistent value can comprise the net present value (NPV) of the interest rate swap written as the difference between the present values of two interest payment legs. In the case of a vanilla swap the two legs correspond to fixed coupon payments and floating coupon payments. In the case of a basis swap, one leg is the floating coupon payments with a reference rate plus a fixed coupon, and the other leg is floating coupon payments with a different reference rate. The rate-negotiated, standardized-coupon financial instrument of the present invention provides for a financial instrument negotiated in rate terms to be substituted with an equivalent position in an instrument with a different coupon rate, at an adjusted price. | 2012-11-22 |
| 20120296794 | Systems and Methods for Auctioning Charging Times for Electric Vehicles - Systems and methods are provided for auctioning charging times for electric vehicles at one or more charging stations. The systems and methods may include delivering, to a customer computing device associated with a customer, auction information regarding an auction for at least one time slot of a charging station for an electric vehicle; receiving, from the customer computing device, a bid amount for the auction; and delivering a notification to the customer computing device if the received bid amount is accepted as a winning bid amount for the auction. | 2012-11-22 |
| 20120296795 | METHODS AND SYSTEMS FOR MATCHING BUY AND SELL ORDERS - Methods and systems for matching buy and sell orders that maximize the number of shares matched while simultaneously providing an even allocation of shares regardless of when a given order is received, are provided herein. The methods and system utilize an optimization function to determine the optimized price point at which the maximum number of shares can be matched using such inputs as a set of buy and sell orders, market spread, and participant defined exclusion criteria. This optimized price point may then be used to select those buy and sell orders eligible for participation in the matching event. Shares are then evenly allocated between participants using, for example, a round-lot base allocation procedure. The methods and systems may also utilize an anti-gaming function that compresses multiple orders from a single participant into a single participant interest prior to allocating shares. | 2012-11-22 |
| 20120296796 | HYBRID TRADING SYSTEM FOR CONCURRENTLY TRADING COMBINED ORDERS FOR FINANCIAL INSTRUMENTS THROUGH BOTH ELECTRONIC AND OPEN OUTCRY TRADING MECHANISMS - A system and method of trading combined orders in an exchange configured for trading by a combination of electronic and open-outcry trading mechanisms is provided. One method includes receiving an incoming order having a first order component and a second order component at an electronic trade engine and routing the first and second order components to a first electronic database. The first and second order components are matched and executed against order components maintained in the first and second electronic databases, respectively. Any unexecuted first and second order components are placed in an electronic book according to a predetermined program if the first or second order component cannot be completely matched against any order components maintained in one of the first or second electronic databases. The system includes a trade engine configured for receiving combined orders from market makers. | 2012-11-22 |
| 20120296797 | METHOD AND ARRANGEMENT FOR PRE-MATCH RISK VALIDATION OF ORDERS IN AN AUTOMATED EXCHANGE - In an automated exchange, comprising a matching module, a received order is validated for risk purposes before a match process begins. Hereby it is made possible to reduce the total financial exposure by a customer to the automated exchange. | 2012-11-22 |
| 20120296798 | Flexible-rate, financial option and method of trading - A flexible-rate option and method of electronic trading are provided. The flexible-rate option includes a negotiable premium and a corresponding rate-based strike rate. At least one discount curve, and potentially also a forward curve are determined An adjustment factor for the financial instrument is determined. The curve or curves are used to determine the adjustment factor to determine the adjusted exercise price of an underlying with a standardized coupon as the present value difference between the delivered financial instrument with a fixed rate and a swap with the strike rate, at or near the time of option exercise. This Abstract is submitted with the understanding that it will not be used to interpret or limit the scope or meaning of the claims. | 2012-11-22 |
| 20120296799 | SYSTEM, METHOD AND COMPUTER PROGRAM FOR ENERGY USE MANAGEMENT AND REDUCTION - The present invention provides a system, method and computer program for energy use management and reduction. The invention enables managing and reducing energy usage by monitoring energy usage of users and rewarding users for reducing energy usage. It includes monitoring energy consumption for users. Any reduction in energy consumption is commoditized. The commoditized energy can be sold on a market. Some or all of the revenues realized from the sale may be distributed to the users as encouragement to further reduce energy usage. | 2012-11-22 |
| 20120296800 | GLOBAL FOREIGN EXCHANGE SYSTEM - A computerized trading system permits global currency trading. The system preferably includes multiple affiliates at the local level, each in a different country, that act as introducing agents. Between these local affiliates there is a global exchange or hub, with the local affiliates and the global hub being arranged in a hub-and-spoke arrangement. Introducing affiliates are responsible for handling customer accounts and information, and accepting orders. The global exchange is responsible for routing orders to one or more multiple foreign exchange liquidity banks to handle foreign exchange transactions to convert one currency into another. | 2012-11-22 |
| 20120296801 | AUTOMATED TRACKING AND REPORTING OF TRADER POSITIONS - A data collection application includes a collection document having a first code portion configured to format the document, at least one information input configured to receive an input wherein the at least one information input is defined by the first code portion, and a second code portion stored within the collection document and configured to include the information provided via the at least one information input. The data collection document further includes an archival routine configured to create a second collection document based on the second code portion and the information provided via the at least one information input. | 2012-11-22 |
| 20120296802 | Standardization and Management of Over-the-Counter Financial Instruments - A method of managing over-the-counter financial products is disclosed. The method includes receiving transaction parameters associated with an over-the-counter financial product, determining a standardized financial product that reflects the transaction parameters associated with the over-the-counter financial product; calculating a net position based on the difference between the standardized financial product and the over-the-counter financial product, and clearing the net position through a clearing party. | 2012-11-22 |
| 20120296803 | System and Method for Smart Hedging in an Electronic Trading Environment - A system and associated methods are provided for smart hedging in an electronic trading environment. According to one example method, a first order for a first tradeable object and a second order for a second tradeable object are placed based on a spread strategy. Upon receiving an indication that a quantity of the first order is filled, the method involves determining if the second order can be used to offset the quantity filled of the first order by determining if a price of the second order would result in achieving a desired spread price defined for the spread strategy. If the price results in the desired price, the second order is used to offset the quantity filled for the first order in an attempt to achieve the desired spread price. Other tools are provided as well. | 2012-11-22 |
| 20120296804 | System and Methods for Producing a Credit Feedback Loop - Some embodiments provide a credit feedback loop system that directly identifies credit that is available to a credit seeker based on recent credit that others with similar qualifications (e.g., credit scores) as the credit seeker have obtained. The credit feedback loop system establishes a reciprocal system to benefit credit providers and credit seekers. The credit providers participate by providing information about the credit they have recently extended to credit seekers. In return, the credit feedback loop system acts as a lead generation platform for the credit providers by identifying potential new credit seekers. A credit seeker benefits by obtaining a direct and accurate measure of its available credit without having to divulge confidential information. In so doing, the credit feedback loop system allows a credit seeker to accurately identify its available credit and be quasi-preapproved for credit without having to apply for credit from any single credit provider. | 2012-11-22 |
| 20120296805 | COMPUTING SYSTEM SUPPORTING ONLINE PURCHASES - Computer code for, a method of, and a system for supporting financing of products offered for sale. The invention may include delivering personal credit information of the buyer for use in analyzing the buyer's credit. If qualified, the buyer is provided with the amount he or she is approved for, along with at least one product that he or she may purchase. The invention may also complete the sales transaction. | 2012-11-22 |
| 20120296806 | Computer-Implemented Risk Evaluation Systems And Methods - Systems and methods are provided for evaluating risks associated with alternative strategies for assessing an entity with respect to a predetermined objective. A system includes an action table that contains a plurality of possible actions that can be taken with respect to the predetermined objective for various entity profiles. One or more statistical data stores are configured to contain risk amounts associated with each entity profile, where the one or more statistical data stores are configured to contain inferred percentage distribution of applicants associated with each entity profile. One or more profile identification data stores contain entity identification information for use in determining an action for the entity. One or more improvement data stores provide an indication in the improvement in risk based upon a change in one or more characteristics for an entity profile. | 2012-11-22 |
| 20120296807 | System and Method for Independently Authorizing Auxiliary Communication Services - Systems and methods which determines the likelihood that a calling (or in some cases the called) user will pay for a particular auxiliary service are described. A system of an embodiment considers the user's credit risk and his/her propensity to pay, when deciding if the user is eligible for a particular auxiliary service. A methodology used for determining propensity to pay for an auxiliary service according to embodiments is independent from a determination of propensity to pay for a basic calling service. Thus, the criteria used, and the weight given to each criteria, for determining eligibility for auxiliary services can be different from the criteria and criteria weight used for basic communication connections. | 2012-11-22 |
| 20120296808 | Trade-Credit Exchange Apparatus - An apparatus configured with software that enables participants to exchange trade-credit comprising one or more databases and processing components and which utilizes automated value matching algorithms and trade search engine algorithms to discover and process exchange paths. | 2012-11-22 |
| 20120296809 | TRACKING DONATED PORTION OF TRANSACTION - A method for tracking use of an affinity account owned by a customer and organized in accordance with one or more account rules includes receiving information regarding a transaction conducted using an affinity account, the information comprising a transaction amount, determining, using a processing device, whether the transaction amount justifies making a donation according to the account rules, determining that the transaction amount justifies a donation according to the account rules, initiating a donation according to the account rules and tracking the transaction amount and the donation resulting from the use of the affinity account. In some embodiments, tracking includes storing information regarding the transaction including an amount of the transaction and storing information regarding the donation including an amount of the donation. The method also includes communicating some or all the stored information regarding the donation to the customer. | 2012-11-22 |
| 20120296810 | SECURE CARGO TRANSPORTATION SYSTEM - A method of controlling access to a movable container, the method comprising controllably locking the container using an electronically actuated locking mechanism; storing in a memory a desired geographical location; determining the geographical location of the container; and enabling the locking mechanism to unlock the container if the determined geographical location matches the desired geographical location. Apparatus, including secure cargo transportation systems are also disclosed. | 2012-11-22 |
| 20120296811 | AUTOMATED TRANSACTION APPARATUS, AUTOMATED TRANSACTION METHOD, AND PROGRAM STORAGE MEDIUM - An automated transaction apparatus is disclosed, which includes an identification section that, when a plurality of types of currency having mutually different currency units have been inserted, identifies the inserted currency; and a controller that effects control of a transaction with a user based on identification results determined by the identification section. | 2012-11-22 |
| 20120296812 | SYSTEMS AND PROCESSES FOR PROVIDING PERFORMANCE CONTENT ON A COMMUNICATION NETWORK - A system and process for operating a computer on a communication network involves providing a first performance environment, such as a first game, over the network to a first on-line user, receiving performance data from the first on-line user corresponding to the first on-line user's performance in the first performance environment. A value is defined for performance rights associated with the received data. A second performance environment that is separate from the first performance environment is provided over the network to a second on-line user, in which the second on-line user is able to make a performance. The second on-line user is provided with access to received data corresponding to the first on-line user's performance in the first performance environment, while the second on-line user is making a performance in the second performance environment. | 2012-11-22 |
| 20120296813 | System and method for facilitating large scale payment transactions - A system and method of payment of an end-user account with a service provider includes a computer system that makes payments to service providers on behalf of end-users and that is operable to exchange information with a terminal at the point of sale or a web-enabled computer system operated by the end-user and with the computer system of the service provider. In one embodiment, the computer system of an intermediary receives and fulfills a request to make a payment on an end user's account with a service provider. In another preferred embodiment, a payment router together with an issuing/sponsoring bank and a processor, as implemented by their computer systems, facilitate payment transactions in which the router transacts at least thousands of payments for at least hundreds of payors with at least dozens of payees using at least one open system card association network, preferably in a day. | 2012-11-22 |
| 20120296814 | System and method for facilitating large scale payment transactions - A system and method of payment of an end-user account with a service provider includes a computer system that makes payments to service providers on behalf of end-users and that is operable to exchange information with a terminal at the point of sale or a web-enabled computer system operated by the end-user and with the computer system of the service provider. In one embodiment, the computer system of an intermediary receives a request to make a payment on an end user's account with a service provider. The computer system of the intermediary may communicate with the computer system of the service provider by logging on to the web page of the service provider as the end-user, and entering a universally accepted open system number and the amount of the payment received from the end user's source of funds to effect payment on the end user's account with the service provider. In another preferred embodiment, a payment router together with an issuing/sponsoring bank and a processor, as implemented by their computer systems, facilitate payment transactions in which the router transacts at least thousands of payments for at least hundreds of payors with at least dozens of payees using at least one open system card association network, preferably in a day. | 2012-11-22 |
| 20120296815 | PROCESS FOR LINKED HEALTHCARE AND FINANCIAL TRANSACTION INITIATION - Methods and systems for acquiring a pre-approval from a responsible party and receiving funds from a financial account related to the pre-approval in the healthcare field are described herein. A method for collecting payment from an individual for services rendered by a provider is disclosed. The method includes verifying an individual's eligibility for benefits, estimating an individual responsibility amount, acquiring authority from the individual for up to the individual responsibility amount on at least one financial account held by the individual, submitting one or more claims to one or more payer entities requesting compensation for the services rendered by the provider, deducting an amount from the at least one financial account held by the individual, and transferring the deducted amount to the provider. | 2012-11-22 |
| 20120296816 | MOBILE BILLING METHOD AND SYSTEM USING ARS - Disclosed herein is a mobile billing method using an automatic response service (ARS) through call transfer including (a) setting a call between a franchisee server and a mobile terminal according to a request from the franchisee server, (b) receiving a request for call transfer from a billing relay server receiving the request for the call transfer from the franchisee server, performing the call transfer and transmitting an ARS announcement to the mobile terminal, (c) receiving a request for billing from the mobile terminal and requesting authentication and billing from the billing relay server, and (d) receiving a result of the authentication and billing approval from the billing relay server and performing call transfer between the mobile terminal and the franchisee server. | 2012-11-22 |
| 20120296817 | SYSTEMS AND METHODS FOR PROMOTING PRODUCTS AND SERVICES - Disclosed are systems and methods for promoting products and services in a retail environment. | 2012-11-22 |
| 20120296818 | METHOD FOR AUTHORIZING THE ACTIVATION OF A SPENDING CARD - A method of authorizing the activation of a card holder's spending card is provided. The method includes receiving a request from the card holder to authorize the activation of the spending card and then requesting identity verification of the card holder. Following the identity verification request, the method includes obtaining a geographic location of the card holder. After determining the geographic location of the card holder, the method may include temporarily activating the deactivated spending card and instructing the card holder to conduct at least one transaction with the spending card at at least one selected location, wherein the selected location is selected based on the geographic location of the card holder. Spending card activity may be monitored to determine whether the at least one transaction was completed, and, based on whether the at least one transaction was completed, the activation of the spending card may be authorized. | 2012-11-22 |
| 20120296819 | METHOD FOR OPERATING AN E-PURSE - The invention discloses a method for operating an e-purse, relating to the information security field. The method includes that a CPU card enters into a contactless induction area of a terminal, is powered up and initialized, receives an operation initializing instruction from the terminal, reads and stores data comprising transaction amount in the operation initializing instruction, and performs the related operation. The operation initializing instruction is a complex loading initializing instruction or a purchase initializing instruction. The data comprises transaction amount. | 2012-11-22 |
| 20120296820 | CAPACITY PLANNING FOR USER WAIT TIME - Systems and methods are disclosed for determining when installation of additional self-service financial transaction devices (SSFTDs) may be desired at a site to improve end-to-end user experience. The system may collect and store transaction-level data, session-level data, user wait time data, and/or other data, and use an enhanced SSFTD user wait time model to identify recommendations and other statistical outputs. The SSFTD may include hardware and software to assist in measuring and collecting various useful readings. | 2012-11-22 |
| 20120296821 | SYSTEMS AND METHODS FOR MAKING PAYMENTS FROM SELECTED FUNDING SOURCES - In an embodiment, a payment service provider includes a database storing a plurality of buyer-identity/buyer's-payment-source-account associations, each having a unique identifier assigned thereto, and a payment service provider transaction device configured to: 1) communicate with at least one of a transaction device of the buyer and/or a transaction device of a seller; 2) receive an authorization from the buyer to make a payment from a selected one of the buyer's payment source accounts to a designated one of the seller's payment depository accounts, the authorization including a specified payment amount and the unique identifier associated with the selected buyer's payment source account from which the buyer desires the payment to be made; and 3) effect a transfer of the specified payment amount from the selected buyer's payment source account to the designated seller's account. | 2012-11-22 |
| 20120296822 | USING PAYMENT MODE RANKINGS RESPONSIVE TO ITEM ATTRIBUTES - A method and system are described for obtaining at least a first mode ranking and a second mode ranking responsive to one or more categorical attributes of a first item and to one or more payment mode use constraints and transmitting at least an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking. | 2012-11-22 |
| 20120296823 | CONTENT OWNER VERIFICATION AND DIGITAL RIGHTS MANAGEMENT FOR AUTOMATED DISTRIBUTION AND BILLING PLATFORMS - A common platform for offering third-party applications and/or content to a global community. In an embodiment, users are automatically charged via the user's billing account with the wireless network carrier to which the user subscribes. The platform may also use billing mechanisms, such as credit cards, bank accounts, prepaid cards, web-based payment services, etc. The application provider need not have contractual agreements with any of the wireless network carriers. In an additional aspect, an application provider may undergo authentication before uploading any media, content or application to the platform. During authentication, a unique identification code may be generated and stored for the application provider. Any media, content, or application subsequently uploaded by the authenticated application provider is associated with the unique identification code. | 2012-11-22 |
| 20120296824 | SYSTEMS AND METHODS FOR CORRECTION OF INFORMATION IN CARD-NOT-PRESENT ACCOUNT-ON-FILE TRANSACTIONS - A method for processing a card-not-present account-on-file transaction over a computer device coupled to a database is provided. Further, a network-based system for processing a card-not-present account-on-file transaction having a first transaction date is provided. Additionally, a computer coupled to a database for processing a card-not-present account-on-file transaction, is provided. Further, a non-transitory computer readable storage medium storing computer-executable instructions thereon for processing a card-not-present account-on-file transaction, is provided. The transaction is made by a cardholder using payment card information stored by a merchant. The payment card information includes a payment card account identifier, an expiration date associated with the payment card account identifier, and a payment card number associated with the payment card account identifier. | 2012-11-22 |
| 20120296825 | RATING E-COMMERCE TRANSACTIONS - Methods of the present invention allow for rating eCommerce transactions. An exemplary method for rating an eCommerce transaction may comprise the steps of identifying a plurality of data indicating the trustworthiness of a Hosting Provider, a Merchant, and/or a Customer, collecting the data, and generating a Transaction Trust Rating for an eCommerce transaction, with the Transaction Trust Rating being based upon the collected data. The Transaction Trust Rating may be stored in a Repository accessible to Internet users. A Transaction Trust Rating Indicator (indicative of the Transaction Trust Rating) also may be provided to the Hosting Provider, Merchant, and/or Customer and may take the form of a certificate for display on a webpage, a change in color of an address bar on a browser, and/or an alphanumeric ranking. | 2012-11-22 |
| 20120296826 | METHOD AND SYSTEM FOR DISTRIBUTING ELECTRONIC TICKETS WITH VISUAL DISPLAY - This invention discloses a novel system and method for distributing electronic ticketing such that the ticket is verified at the entrance to venues by means of an animation or other human perceptible verifying visual object that is selected by the venue for the specific event. This removes the need to use a barcode scanner on an LCD display of a cell phone or other device and speeds up the rate at which human ticket takers can verify ticket holders. | 2012-11-22 |
| 20120296827 | PERFORMING AUTOMATICALLY AUTHORIZED PROGRAMMATIC TRANSACTIONS - Techniques are described for facilitating interactions between computing systems, such as by performing transactions between parties that are automatically authorized via a third-party transaction authorization system. In some situations, the transactions are programmatic transactions involving the use of fee-based Web services by executing application programs, with the transaction authorization system authorizing and/or providing payments in accordance with private authorization instructions previously specified by the parties. The authorization instructions may include predefined instruction rule sets that regulate conditions under which a potential transaction can be authorized, with the instruction rule sets each referenced by an associated reference token. After one or more of the parties to a potential transaction supply reference tokens for the parties, the transaction authorization system can determine whether to authorize the transaction based on whether the instruction rule sets associated with the reference tokens are compatible or otherwise satisfied. | 2012-11-22 |
| 20120296828 | Method and System for Distributing Electronic Tickets with Visual Display - This invention discloses a novel system and method for distributing electronic ticketing such that the ticket is verified at the entrance to venues by means of an animation or other human perceptible verifying visual object that is selected by the venue for the specific event. This removes the need to use a bar-code scanner on an LCD display of a cell phone or other device and speeds up the rate at which human ticket takers can verify ticket holders. The system providing the service also can maintain a persistent communication channel with the user device in order to control the ticket verification process. | 2012-11-22 |
| 20120296829 | Unlinkable Priced Oblivious Transfer with Rechargeable Wallets - A protocol that allows customers to buy database records while remaining fully anonymous, i.e. the database server does not learn who purchases a record, and cannot link purchases by the same customer; the database server does not learn which record is being purchased, nor the price of the record that is being purchased; the customer can only obtain a single record per purchase, and cannot spend more than his account balance; the database server does not learn the customer's remaining balance. In the protocol customers keep track of their own balances, rather than leaving this to the database server. The protocol allows customers to anonymously recharge their balances. | 2012-11-22 |
| 20120296830 | METHOD AND MOBILE TERMINAL FOR REALIZING NETWORK PAYMENT - For solving the problem that multiple Universal Serial Bus (USB) Keys are required to be taken to realize multiple network payments in the conventional art, the provides a method and a mobile terminal for realizing network payment. The method includes: a mobile terminal selects a network payment system which is needed to implement current network payment from a plurality of network payment systems according to an instruction input by a user; when the user is confirmed to be a legal user according to the digital certificate, the mobile terminal logs on the selected network payment system and implements the network payment. The selects a network payment system which is needed to implement the current network payment from a plurality of network payment systems, thus it is not needed to take multiple USB Keys. | 2012-11-22 |
| 20120296831 | TRANSACTIONAL SECURITY OVER A NETWORK - A system and method facilitating purchase transactions over a computer network, including the purchase of electronically storable items. The embodiments herein encrypt “customer identifier string” in an encryption stream and cause the encryption stream to be transferred from the customer to a merchant in the purchase transaction. A verification entity receives the encryption stream which is sent by the merchant for identity verification and payment authorization. Then, the verification entity verifies the identifiers contained in the encryption stream and transfers an identity verification and payment authorization from the verification entity to the merchant. | 2012-11-22 |
| 20120296832 | DEFINING AGREEMENTS USING COLLABORATIVE COMMUNICATIONS - An agreement object comprising a plurality of terms for negotiation among two or more users is concurrently presented with an unstructured conversation among at least two users. Thereafter, data characterizing terms for which an agreement has been reached is received resulting in the agreement object being updated to reflect the terms for which an agreement has been reached. An agreement based on the agreement object is then finalized once an agreement has been reached for all of the terms. Related apparatus, systems, techniques and articles are also described. | 2012-11-22 |
| 20120296833 | SYSTEM AND METHOD OF IMPROVED GROUP COLLABORATION - Technologies are described herein for delivering continuous high performance using a multi-stage group perspective collaboration system. In one aspect, a processor presents a user interface through which users of a group can collaborate with one another. A first perspective from a user of the group is received at a first stage of maturation. The first perspective is then presented as a first stage thread to the group for collaboration. The system determines whether an elevation condition has been met to elevate the first stage thread to a second stage of maturation. Upon determining that the elevation condition has been met, the system determines whether content similar to content associated with the first stage thread exists. Upon determining that content similar to content associated with the first stage thread does not exist, the system elevates the first stage thread from the first stage of maturation to the second stage of maturation. | 2012-11-22 |
| 20120296834 | Systems, Methods and Computer Program Products for a Patent Litigation Entity to Improve Monetization of a Patent Asset - Systems, methods and computer program products are provided for improved monetization of patents. Patent litigation entities may use these inventions to prevent patent asset evaluators from providing asset evaluation. | 2012-11-22 |
| 20120296835 | PATENT SCORING AND CLASSIFICATION - A method, system, and apparatus for classifying intangible assets are provided. The method includes determining an objective of classification. The method further includes constructing, via a processor, a Discriminant Analysis (DA) model using one or more test sets of intangible assets. The DA model includes one or more discriminant functions operable to classify the one or more test set of intangible assets into two or more groups based on a set of attributes associated with one or more intangible assets of the test set of intangible assets to meet the objective of classification. Thereafter, the method includes classifying a target set of intangible assets via the DA model. | 2012-11-22 |
| 20120296836 | POWER DEMAND-SUPPLY SYSTEM - An electricity supply and purchase system includes an electricity transmission deciding section for deciding an electricity transmission content including an electricity amount of the electricity transmission to be transmitted from the electricity transmission sender; an electricity reception deciding section for deciding an electricity reception content including an electricity amount of electricity reception at the electricity transmission receiver; a communication section for communication between the electricity transmission sender and the electricity transmission receiver; an electricity transmission flow control section for performing the electricity transmission from the electricity transmission sender to the electricity line based on the electricity transmission content for which the consistency is confirmed by the communication; and an electricity reception flow control section for performing the electricity reception at the electricity transmission receiver from the electricity line based on the electricity reception content for which the consistency is confirmed. | 2012-11-22 |
| 20120296837 | SYSTEM, METHOD, AND COMPUTER READABLE MEDIUM FOR PROVIDING AUTOMATED DISSEMINATION OF ADVERTISING THROUGH SEARCH ENGINES, WEBSITES, AND ONLINE SOCIAL NETWORKING SITES - Aspects of the invention may involve systems, methods, and computer readable medium. In an embodiment of the invention, a computer-implemented method for disseminating information may be provided that may include receiving parent data, child data, and/or content data by a computer system. The parent data and content data may be received from a parent computer system. The child data may be received from a child computer system. The child data may contain child contact information and child distribution information. The computer system may create a web resource using, for example, content data. The computer system may insert child contact information into the web resource. The web resource may be transmitted to one or more online social networking websites based on the child distribution information. | 2012-11-22 |
| 20120296838 | CONTROLLED COMMUNICATION SYSTEM - The invention describes a system of controlled communication providing a method of identifying and meeting unknown persons. The method includes the steps of: providing a personal display means for wearing by a first person; providing a distinctive identifying element on the personal display means allowing a second person to identify the distinctive identifying element; providing a database for receiving details from a plurality of people related to a plurality of the identified distinctive identifying elements; allowing the second person to enter details of the identified distinctive identifying element to retrieve the details of first person; receiving details from the second person; automatically providing details to the first person of the identification by the second person and details of the second person allowing review of the second person by the first person and selective contact by the first person to the second person. | 2012-11-22 |
| 20120296839 | SYSTEM AND METHOD FOR PERFORMING SUBSTITUTE FULFILLMENT - A system and method for automating the performance of substitute fulfillment. The system includes a server which receives absentee information representing an absent worker via a telephone communication link or an Internet communication link. In response to receiving the absentee information, the system generates a list of potential substitute workers. The system then contacts potential substitute workers until one is found or until the list is exhausted. The system can also post a list of positions that are available on a website allowing potential substitute workers to search for a position. | 2012-11-22 |
| 20120296840 | INTERACTIVE GRAPHICAL TOOL FOR DESIGNING PRODUCT PARAMETERS - Interactive graphical tool for designing product parameters where an initial correspondence between a number of product characteristics is displayed in a graphical user interface (GUI) pane. The form or the position, or both form and position, of the initial correspondence are changed in response to a user manipulation to a GUI control associated with the correspondence. One or more values of the number of characteristics are customized in response to the visual change of the correspondence between the product characteristics. | 2012-11-22 |
| 20120296841 | SYSTEM AND METHOD FOR RATING PLURAL PRODUCTS - A system and method for rating of each of plural products comprising identifying plurality of attributes associated with a category of product, applying a scalar structure for each attribute to provide scalar value of each attribute for each of the plural products, determining an incremental competitive index for each attribute of each product based on the scalar value of each attribute and a number of products having the scalar value, and rating each product based on the determined competitive index. | 2012-11-22 |
| 20120296842 | Documenting Processes of an Organization - A method and system for documenting processes and controls of an organization involve storing information describing the processes of the organization in a database and then accessing the database with a suitable user interface application. Preferably the user interface application is a web browser and the data in the database is provided to users as a series of web pages. Using the user interface application, users can review the documented processes, report errors, request changes, generate reports, and so forth. Users with suitable access privileges can modify the data in the database using the user interface application. An external auditor can audit the processes and controls of the organization from his own office by accessing the database over a network such as the Internet. | 2012-11-22 |
| 20120296843 | METHOD FOR CALCULATION OF TIME WEIGHTED RETURNS FOR PRIVATE EQUITY - Method for the calculation of performance data for a private equity fund, comprising the steps of acquiring input data representative of a first transaction of cash flow patterns of the private equity fund during a term of the fund, the term being divided into a plurality subperiods t | 2012-11-22 |
| 20120296844 | Method for Creating Roll Yield Indexes and Index Products - An inventive computerized investment method and process is disclosed that comprises the creation, calculation, and use of a “Roll Yield” Index, which is a function of a futures contract “rolling” methodology that may vary depending on the underlying commodity, and a systematic rebalancing mechanism for portfolio management of long/short commodity futures index products. Both the Roll Yield Index and the long/short portfolios have the same investment objective to deliver the spread, or difference, between two or more futures contracts on the same underlying commodity with different expiration dates. | 2012-11-22 |
| 20120296845 | METHODS AND SYSTEMS FOR GENERATING COMPOSITE INDEX USING SOCIAL MEDIA SOURCED DATA AND SENTIMENT ANALYSIS - The present invention provides a News/Media Analytics System (NMAS) adapted to automatically process and “read” news stories and content from blogs, twitter, and other social media sources, represented by news/media corpus, in as close to real-time as possible. Quantitative analysis, techniques or mathematics, such as green scoring/composite module and sentiment processing module are processed to arrive at green scores, green certification, and/or model the value of financial securities, including generating a composite environmental or green index. The NMAS automatically processes news stories, filings, new/social media and other content and applies one or more models against the content to determine green scoring and/or anticipate behavior of stock price and other investment vehicles. The NMAS leverages traditional and, especially, social media resources to provide a sentiment-based solution that expands the scope of conventional tools for creating a socially aware composite index. | 2012-11-22 |
| 20120296846 | SYSTEM FOR MODELING INVESTMENT PERFORMANCE - A system for simulating investment performance using computerized models. Inputs to an investment model may be derived from information published about the investment, information published about the investment manager, industry practices corresponding to the particular type of investment, etc. Model accuracy may then be verified by comparing simulated investment performance over a duration of time to actual investment performance over the same period. Disparities in actual and simulated performance may be resolved by adjusting the model, which may further comprise modifying the composition of model elements that replace questionable or unknown investment components in view of information that is known about the investment. | 2012-11-22 |
| 20120296847 | METHOD AND SYSTEM FOR GENERATING AND TRADING DERIVATIVE INVESTMENT INSTRUMENTS BASED ON A VOLATILITY ARBITRAGE BENCHMARK INDEX - A system and method for creating a volatility arbitrage bench mark index is disclosed. The method includes obtaining closing prices of an underlying instrument, such as a derivative investment instrument, and calculating a value representing a volatility arbitrage benchmark. The value may be displayed at a trading facility and volatility arbitrage benchmark quotes may be transmitted by the trading facility to a market participant. | 2012-11-22 |
| 20120296848 | System and method for managing credit risk for investment portfolios - A system is disclosed for enabling a portfolio manager to obtain credit approval for an issuer of securities from a credit analyst. The system includes a relational database containing subjective and objective issuer information, a graphical user interface for permitting a portfolio manager to submit a credit approval request to a credit analyst, a graphical user interface for permitting a credit analyst to evaluate the credit approval request submitted by the portfolio manager based on the issuer information contained in the database, and a graphical user interface for permitting the credit analyst to resolve the credit approval request on behalf of the portfolio manager. | 2012-11-22 |
| 20120296849 | SYSTEM AND METHOD FOR GENERATING TRANSACTION BASED RECOMMENDATIONS - A system for generating recommendation data includes an assessment unit and an evaluation unit. The assessment unit is configured to receive transaction data for a plurality of transactions and to assess each transaction and generate assessment data based thereon. The evaluation unit is coupled with the assessment unit and configured to receive an evaluation request including a proposed transaction, and generate recommendation data including a certainty indicator which indicates a level of certainty that the proposed transaction will be successful according to predetermined criteria. | 2012-11-22 |
| 20120296850 | System and Method for Asymmetric Offsets in a Risk Management System - A system and method for using asymmetrical offsets for products in a risk management analysis system are disclosed. Conventional systems assign symmetrical offsets for products, that is, if two products have an 80% correlation they each would be assigned an offset of 80% with respect to each other. However, it is desirable to allow for asymmetrical offsets. In the disclosed system and method, when two products have a correlation of 80%, one may be assigned an offset of 75% and the other may be assigned an offset of 80%. There are many reasons to vary the offset between the products. The varying offset may reflect an asymmetry in the risk in one of the products, such as being traded in an illiquid market or in a less desirable venue. The varying offset may correct for an imbalance in spread credits due to special charges from intra spreading. | 2012-11-22 |
| 20120296851 | METHOD FOR PERSONALIZED GUIDANCE FOR REFERENCE DATE DEPENDENT INVESTMENTS - A system and method is provided to generate personalized savings recommendation and/or needed assignments of reference-date dependent investments. Recommendations and assignments are based on differences between a investor profile and an ideal representative that was used to construct the investments. The system provides a configurable increasing level of financial service based on a Methodology Publisher's configuration for reference date based investments. A forecast simulation system is provided for each investor with various optimizers by the Methodologically Publisher to provide various level of financial services and portfolio recommendations for reference date dependent investments. Reports may be provided to investors illustrating progress toward goals and highlighting distribution of potential risky outcomes. An online inter-active mode may allow an investor to provide further profile information and customize a solution to their needs. | 2012-11-22 |
| 20120296852 | DETERMINING WORKLOAD COST - A method of determining a workload cost is provided herein. The method includes determining a direct consumption of a resource pool by a workload. The method also includes determining a burstiness for the workload and the resource pool. The burstiness comprises a difference between a peak consumption of the resource pool by the workload, and the direct consumption of the resource pool. The method further includes determining an unallocated amount of the resource pool. Additionally, the method includes determining the workload cost based on the direct consumption, the burstiness, and the unallocated amount of the resource pool. | 2012-11-22 |
| 20120296853 | METHOD AND PROGRAM PRODUCT FOR COSTING AND PLANNING THE RE-HOSTING OF COMPUTER-BASED APPLICATIONS - A computer-implemented method and program product for estimating cost and/or time requirements for migrating an application from one platform to another. The method includes receiving identifications for tasks, receiving at least one assessment type selected for estimating cost and/or time requirement for migration, where the assessment type delineates a degree of accuracy for estimating the cost and/or time requirement for migration, correlating base costs and/or time requirements to the tasks identified, receiving identifications of attributes that affect base costs and/or time requirements, correlating cost and/or time factors to the tasks, a respective cost factor and/or time factor indicating an amount by which an attribute affects the respective base cost and/or time requirement for a task, and estimating cost and/or time requirements for each task, by applying the respective cost and/or time factors for each task to the respective base cost and/or base time requirements for each task. | 2012-11-22 |
| 20120296854 | MODULAR SHOE SYSTEM - A modular shoe is provided by a two part shoe design. A first part is an internal support structure that includes a midsole portion and a heel counter. A second part is a removable cover that is configured to accept a specific size internal support structure to provide internal support to the soft material and outsole which comprise the cover. Various cover designs are configured to accept a single size internal support structure thereby providing for interchangeable cover and a plurality of shoe designs all sharing a single internal support structure. The removable cover takes substantially less packing space than a supported shoe, thereby requiring reduced storage for a traveler packing several shoe designs all sharing a single internal support. | 2012-11-22 |
| 20120296855 | QUANTIFYING, ANALYSING, MONITORING AND IMPROVING HAPPINESS - A method based on the economical concept of NPV for to analyze the emotion of happiness in people by collecting data on emotions regarding an event or action, from a perspective of at least two time periods, and calculating the person's happiness level. | 2012-11-22 |
| 20120296856 | Recognition Techniques to Enhance Automation In a Computing Environment - Systems and methods for detecting end of a transaction in a computing environment are provided. The method comprises determining a target area in a graphical user environment displayed on a display screen, wherein a change is expected to occur when end of a transaction is reached; masking the target area at least partially to remove content included in the target area that is present before or after the transaction was initiated; monitoring the target area for change in content; and detecting the end of the transaction when the content of the target area has changed. | 2012-11-22 |
| 20120296857 | Hardware acceleration of DNA codeword searching and fitness determination employing a code extender - An apparatus for a hybrid architecture that consists of a general purpose microprocessor and a hardware accelerator for accelerating the discovery of DNA reverse complement edit distance codes. An embodiment is implemented and evaluated, including a code extender that uses exhaustive search to produce locally optimum codes in about 1.5 hours for the case of length 16 codes. | 2012-11-22 |
| 20120296858 | BEHAVIOR SETS METHOD AND SYSTEM - A behavior sets system facilitates the dynamic generation of field and rule behavior sets for an insurance policy and claims processing computer system. The behavior sets system includes various modules and graphical user interfaces that provide a streamlined mechanism for creating new behavior sets of field and rule behaviors for the insurance processing architecture. The behavior sets system may include various levels of usability that distinguish between an advanced user of the behavior sets system and basic user that uses the generated field and rule behavior sets. The behavior sets system may also include graphical user interfaces directed to adding, editing, removing, or maintaining the behavior of fields and rules for the insurance policy and claims processing computer system. | 2012-11-22 |
| 20120296859 | MANAGEMENT OF USER EVENTS SCHEDULED DURING A USER ABSENCE PERIOD - User events scheduled during a user absence period are managed by identifying a user absence period and a buffer period on a user calendar. At least one calendaring repository is searched to determine whether there are user events with a due date coming due during the user absence period that were scheduled prior to a user defining the user absence period and a response is made to each located user event. Moreover, at least one calendaring repository is searched to determine whether there are user events with a due date coming due during the buffer period that were scheduled prior to the user defining the buffer period and a response is made to each located user event in a manner differently from responding to user events coming due during the user absence period. | 2012-11-22 |
| 20120296860 | Method and System for Extracting Information from Electronic Data Sources - A system and method of extracting information from electronic data sources that includes generating a list of file names containing the information to be extracted. Each file name in the list is read into memory, the file that corresponds to the file name is read into memory, and the information is extracted from the file by executing a series of programming instructions. The information is saved to an extracted file, and one or more file names in the list is identified to correspond to an extracted file. | 2012-11-22 |
| 20120296861 | STORING EVENTS FROM A DATASTREAM - A data stream is stored in a database. An event pipe stores a sliding window of events from the data stream. A query is responded to by utilizing the sliding window of events stored in the event pipe. | 2012-11-22 |
| 20120296862 | METHOD AND APPARATUS FOR ANALYZING AND MIGRATING DATA INTEGRATION APPLICATIONS - An automatic data integration process analysis and conversion is disclosed. The input may be formatted as Extract Load Transform (ELT) or Extract Transform Load (ETL), or any other type of input. The processes may then be analyzed and different outputs generated in a format requested by the user. | 2012-11-22 |
| 20120296863 | INTERACTIVE REAL ESTATE CONTRACT AND NEGOTIATION TOOL - Term negotiation can utilize centralized systems accessed via web interfaces for purposes such as mediation of communications between buyers and sellers, maintenance of a history of negotiations, and notification of parties regarding changes suggested during negotiation. Changes to terms proposed by parties using centralized systems can be stored in a data warehouse, potentially along with timestamp and identification information. | 2012-11-22 |
| 20120296864 | MODIFICATION OF DATA WITHIN A FILE - Disclosed herein are methods, systems, and computer program products for managing data within a file system. In embodiments, the method includes determining the location of data within a file to be modified, modifying the data within the file, and adjusting a pointer to point to the data block containing the modified data. The data within a file may be modified by deleting data from the file or inserting new data into the file. New data may be inserted into a file by writing the data into new data blocks and then adjusting the pointers to point to the location of the new data blocks. An example method may also include determining whether data blocks are incomplete blocks and identifying the incomplete blocks by negating the value of the pointers to those blocks. | 2012-11-22 |
| 20120296865 | Terminal device and word stock update method thereof - The present disclosure discloses a terminal device and word stock update method thereof. In the terminal device, an acquisition module acquires a keyword related to the current region of the terminal device; an update module adds the keyword to a first personal word stock; and an output module searches the first personal word stock for a word corresponding to a currently-input index and outputting the found word. By using the terminal device and the word stock update method thereof, a keyword of the current region of the terminal device can be added to a personal word stock of the terminal device, so that a user can input a word related to the current region quickly to improve input efficiency. | 2012-11-22 |
| 20120296866 | SYSTEM AND METHOD FOR IMPLEMENTING ON DEMAND CLOUD DATABASE - A method for dynamic management of one or more cloud database nodes is provided. The method enables gathering information related to usage of one or more cloud database nodes. The method further enables comparing time required by the one or more cloud database nodes for responding to one or more requests with a predetermined threshold. Furthermore, the method enables provisioning one or more new cloud database nodes or removing one or more new cloud database nodes based on at least one of: the gathered information, the comparison and a combination thereof. | 2012-11-22 |
| 20120296867 | METHOD AND SYSTEM FOR FILE SYNCHRONIZATION - Method and systems for synchronizing files on a target storage medium with files on a source storage medium, where the target storage medium is divided into pages of a given size. If a file on the target storage medium has been modified compared to a corresponding file on the source storage medium, the page(s) involved are marked as free and all files that are stored in whole or in part on the page(s) receive a status of “to be copied to target storage medium”. For each page of the target storage medium that is marked as free, a selection is made from the files having such a status by repeatedly selecting the relatively largest file not yet selected that can be accommodated on the page, taking into account earlier files selected for the page, and for each page, copying the selection for that page to the target storage medium. | 2012-11-22 |
| 20120296868 | Method and article of manufacture for ensuring fair access to information using propagation delays to determine when to release object locks - Locks placed on corresponding objects held in a plurality of databases located at different nodes in a network during replication are released in accordance with fairness criteria. Propagation delays are determined between a transaction initiating node and one or more other nodes in the network. An object is locked during a transaction being executed at the transaction initiating node. Corresponding objects are locked at one or more other nodes in the network that are manipulated as a result of the replication Upon determining that the object locks should be released, the propagation delays are used to determine when to release the object locks so that all of the object locks at the one or more other nodes are released in accordance with the fairness criteria. | 2012-11-22 |
| 20120296869 | Energy Information Exchange - Disclosed are various embodiments for facilitating data synchronization in a utility computing environment. A data synchronization application can monitor source systems in such an environment and generate periodic change sets that correspond to data that has changed in the various source systems. Destination systems can subscribe to change sets and receive the appropriate change sets by monitoring flags that the data synchronization application can set. Various classes of change sets that correspond to data within a particular change set can also be generated. | 2012-11-22 |
| 20120296870 | Method for Finding, Updating and Synchronizing Modified Record Item and Data Synchronizing Device - The present invention provides a method for searching a change log item, which includes: in a change log of a data synchronizing device, ordering change log items according to numerical values of entity identifiers contained in the items; in the data synchronizing device, when data updating occurs in an entity in a database of the data synchronizing device, using a search algorithm of elements in an ordered sequence to search out whether a change log item containing an entity identifier of the entity exists in the change log. The present invention also provides a data synchronizing device. | 2012-11-22 |
| 20120296871 | FILE MANAGING APPARATUS FOR PROCESSING AN ONLINE STORAGE SERVICE - A file managing apparatus that controls uploading a target file to an online storage by dividing the target file into a plurality of divided files when a file size of the target file to be uploaded to the online storage exceeds a maximum size per one file permitted in the online storage; manages identification information related to the plurality of divided files by associating the identification information with the target file; and restores the target file by combining the plurality of divided files after having downloaded the plurality of divided files from the online storage based on the managed identification information. | 2012-11-22 |
| 20120296872 | METHOD AND SYSTEM FOR PARALLELIZING DATA COPY IN A DISTRIBUTED FILE SYSTEM - Multiple servers sharing a distributed file system are used to perform copies of regions of a source file in parallel from a source storage unit to corresponding temporary files at a destination storage unit. These temporary files are then merged or combined into a single file at the destination storage unit in a way that preserves the inode structure and attributes of the source file. A substantial speedup is obtained by copying regions of the file in parallel. | 2012-11-22 |
