49th week of 2012 patent applcation highlights part 65 |
Patent application number | Title | Published |
20120310764 | DESIGNING ONLINE DEALS LEVERAGING COLLECTIVE BUYER PURCHASING POWER IN ONLINE MARKETPLACE - A market system in which buyers and sellers design deals for goods and services, and buyers attain discounts by leveraging their collective purchasing power. Buyers or sellers can design a new deal (“proposed deal”), which is then broadcasted to other system users, inviting buyers to join the purchasing pool and informing relevant sellers of a possible business opportunity. The seller meets contractual terms with the purchasing pool or a segment of the purchasing pool (“deal acceptance”) at which point transactions are executed at the designated price cut (“deal consummation”). The system facilitates the processes of initiating the right deal at a realistic discount, accumulating group-buying power, negotiating terms, and closing the deal. The system also registers buyer and seller information, monitors transactional and browsing history, and records various rates of conversion from deal participation to actual purchases. This data is analyzed and available as an informational service to market participants. | 2012-12-06 |
20120310765 | AUTOMATED COST ASSESSMENT OF CLOUD COMPUTING RESOURCES - A method and system for automatic cost assessment of cloud computing resources. A cloud management server computer manages data centers in a smart cloud computing system that provisions computing resources to consumers. The cloud management server computer registers conditions of interest with multiple news sources, receives reports regarding the conditions of interest from one or more of the news sources, and automatically estimates a cost of operating each of the data centers based on the reports. Among the data centers, a first data center is estimated to have a cost increase because of a condition that is reportedly about to occur. The cloud management server computer automatically migrates workload from the first data center to a different data center before the condition occurs. | 2012-12-06 |
20120310766 | Comprehensive Multivariable Auction Platform and Process (CMAPP) - A system and method of conducting an electronic auction allows participants to create multivariable auctions for participants having different locations having a positive or negative need of auctioned goods. The system may create initial bids to beat for all participants after the system calculates current costs relevant to each participant. After each bid, the system reviews the position or state of all participants, and outputs bids to beat that would result in an economic gain for the respective participants. The system may be configured to generate maps for the transport of goods and initial transport prices by acceptance of data from transportation bidders. After completion of an auction, a full system audit trail may be made available to verify the integrity of the auction and fees charged by the system. In a construction site embodiment, quarries may be integral partners and assist in establishing initial or default bids. | 2012-12-06 |
20120310767 | METHOD AND SYSTEM FOR CONDUCTING AN AUCTION OVER A NETWORK - A method and system for enabling a user or bidder to purchase an option on auction merchandise or services in an online auction are provided, thus allowing the option winner to purchase the merchandise in the event the original auction bidder (i.e., the highest bidder for the merchandise) defaults on his purchase. The method and system also provides an incentive to the users purchasing the option(s), e.g., bid optionees, by partially distributing the option pool of monies collected to the user who purchases the option at the price closest to the final auction price. | 2012-12-06 |
20120310768 | Order Fulfillment and Content Management Systems and Methods - An order fulfillment and content management system and method configured to fulfill a product order for a customized cover for a consumer product. In various embodiments, an order can be placed for a cover in an on-demand nature. In other words, a user can select and customize a cover over a network and the resulting cover is manufactured in accordance with that order. Furthermore, various processes can be integrated and moved in concert with one another to provide an efficient and timely fulfillment of the order. The system can also have several stake holders that can quickly review and identify any problems in an order and arrive at a quick resolution path. | 2012-12-06 |
20120310769 | GIFT REGISTRY GRAPHICAL USER INTERFACE - In one embodiment, a graphical user interface presents a gift registry having a number of registered products available to purchase through a retailer. The graphical user interface may present a view of information regarding registered products including an image, a description, and a price associated with each registered product. A recommended product may be presented in relation to a registered product, the recommended product selected as being complementary to the registered product. The recommended product information presented may include a product image, a product description and a product selection control. | 2012-12-06 |
20120310770 | RECOMMENDATION METHOD AND SYSTEM - Disclosed embodiments include a recommendation system and apparatus comprising a tendencies based collaborative filtering method. In a particular embodiment, the Tendencies Based Collaborative Filtering Method (TBCFM) is based on the user mean, the item mean, the user tendency calculated using a User Tendency Calculation Method (UTCM); and the item tendency calculated using a Item Tendency Calculation Method (ITCM). | 2012-12-06 |
20120310771 | GENERATION OF PRODUCT RECOMMENDATIONS USING A DYNAMICALLY SELECTED STRATEGY - Techniques are described for dynamically generating recommendations for users, such as for products and other items. In at least some situations, the techniques include using multiple recommendation strategies, such as by aggregating recommendation results from multiple different recommendation strategies. Such recommendation strategies may have various forms, and may be based at least in part on data regarding prior interactions of numerous users with numerous items. In addition, information about current selections of a particular user may be gathered based at least in part on providing a GUI (“graphical user interface”) for display to the user that includes selectable information about numerous recommended items, and dynamically updating the displayed GUI with newly generated recommendations of items as the user makes selections of particular displayed recommended items (e.g., newly generated recommendations that are similar to the selected items in one or more manners, or are otherwise related to the selected items). | 2012-12-06 |
20120310772 | UNIVERSAL REGISTRY SYSTEM AND METHOD OF USE AND CREATION THEREOF - A method of creating a universal registry ( | 2012-12-06 |
20120310773 | INFORMATION PROCESSING DEVICE, INFORMATION PROCESSING METHOD, INFORMATION PROCESSING SYSTEM, INFORMATION PROCESSING PROGRAM, AND STORAGE MEDIUM - The present invention includes acquiring purchase history information related to a product purchased by a user, from a storage means that stores the purchase history information (S | 2012-12-06 |
20120310774 | ELECTRONIC PAYMENT SYSTEM - An interbank online payment system connecting consumers, consumer banks, merchants and merchant banks via a fixed and/or a mobile telecommunication network, wherein said payment system comprises an automated information system adapted to communicate with a plurality of national banks affiliated to said payment system, a plurality of fixed payment terminals, and a plurality of mobile payment terminals. Said automated information system comprises an aggregation module that manages a plurality of personal user accounts, said automated information system giving said consumers access to a plurality of services including payment, cash withdrawal and/or money transfer. | 2012-12-06 |
20120310775 | Systems and Methods for Providing Dynamic Content into a Static Electronic Document - Included are systems and methods for providing dynamic content into a static electronic document. At least one embodiment includes receiving an indication to include the dynamic content into the static electronic document, creating a computer program that defines functionality of the dynamic content, and deploying the computer program into the static electronic document. Similarly, some embodiments include sending the static electronic document to a user computing device, where at least a first portion of the static electronic document is configured to be viewed as a locally stored document and at least a second portion of the static electronic document receives the dynamic content from a remote computing device and receiving a request to provide the dynamic content, the request being provided in response to a user selection of a predetermined area of interest in the static electronic document. Still some embodiments include providing the dynamic content to the user computing device, wherein upon receipt of the dynamic content, the computer program causes the dynamic content to be provided within the predetermined area of interest in the static electronic document. | 2012-12-06 |
20120310776 | VENDING MACHINE INFORMATION - A method is described for displaying vending machine product data using a display of a mobile communication device. This has the advantage of using the superior display of the mobile communication device and increasing the functionality available to the end user, without needing to invest in expense display equipment at the vending machine itself). The mobile communication device can also be used to order one or more products from the vending machine. | 2012-12-06 |
20120310777 | PAYER DEVICE THAT CHANGES PHYSICAL STATE BASED ON PAYER INFORMATION - A method for providing payer information on a payer device includes providing a payer device that includes at least one physical state change component moveably coupled to the payer device. Payer information is received over a network. The payer information is then determined to be associated with a physical state change instruction in a non-transitory, machine-readable medium of the payer device. The at least one physical state change component is then actuated according to the physical state change instruction to provide the payer information to a payer by changing the physical state of the payer device. | 2012-12-06 |
20120310778 | SYSTEMS AND METHODS FOR CLEARING AND SETTLING TRANSACTION ACTIVITY - Various embodiments provide systems for clearing and settling one or more transaction activities conducted between a user and a website. According to particular embodiments, the system comprises a memory and at least one processor configured to: (a) receive one or more clearing files comprising information collected on the one or more transaction activities; (b) receive one or more settlement files comprising information related to funds associated with the one or more transaction activities; (c) credit an electronic settlement account by re-presenting the funds in the settlement account; (d) reconcile the funds credited to the settlement account by comparing the information from the one or more clearing files with the information from the one or more settlement files; and (e) facilitate one or more adjustments to the settlement account such that the funds remaining in the settlement account are due to the website. Associated methods are also provided. | 2012-12-06 |
20120310779 | Electronic Commercial Transaction Systems and Methods for Soliciting and Collecting Gratuities and Donations - An electronic commercial transaction system and associated methods, in which the transaction is conducted concurrently with or followed by a solicitation for either a gratuity for the seller or a charitable donation to be forwarded to a third party beneficiary. | 2012-12-06 |
20120310780 | Pre-Qualifying Sellers During the Matching Phase of an Electronic Commerce Transaction - A system providing seller pre-qualification during the matching phase of an electronic commerce transaction includes a directory structure comprising multiple hierarchically organized product classes, each product class categorizing multiple products and defining one or more attributes of the products categorized in the product class. The system also includes one or more pointers for each product class, each pointer identifying a seller database in which product data enabling a product transaction is stored for products categorized in the product class. The system further includes a search interface configured to communicate a search query for product data only to one or more seller databases associated with sellers having seller attribute values matching the specified seller attribute criteria, these seller databases being identified by the one or more pointers associated with the selected product class. | 2012-12-06 |
20120310781 | SYSTEMS AND METHODS FOR GENERATING A MANUFACTURER TIER PRODUCT ROLLUP - Computer-implemented methods, apparatuses, and computer-readable media for generating a tier rollup record perform the steps of: receiving a request for one of a product record and a plurality of product records having a determined attribute value; querying a first data set for product records corresponding to the request; receiving one or more unique record identifiers corresponding to the request; querying a second data set for a product record and associated product attribute values corresponding to each unique identifier; receiving the product record and associated product attribute values corresponding to each unique identifier; identifying a most representative product record from the product records and associated product attribute values corresponding to each unique identifier; rolling up the most representative product record; and transmitting the rolled up most representative product record. | 2012-12-06 |
20120310782 | SYSTEM FOR USER TO USER PAYMENTS FACILITATED BY A THIRD PARTY - A transaction request is received from a buyer for an item listed by a seller in an online marketplace. A tiered status of funds availability to the seller for the transaction request is generated based on a profile of the seller, a funds hold and release criteria, and a shipping status of the item. | 2012-12-06 |
20120310783 | CONTEXT SENSITIVE ENTRY POINTS - Various methods for opening an online media store are disclosed. In one aspect, a media player can determine contextual data (e.g., category information, performer information, genre associated with the media, etc.) associated with the media selected or displayed by a user of the media player. The media player can provide the contextual data to an online media store. The online media store can be opened to a context sensitive entry point based on the contextual data. In some implementations, the context sensitive entry point can display content associated with the category of the media previously displayed by the media player. | 2012-12-06 |
20120310784 | DIGITAL LANDMARKS - Techniques are described for notifying a user of creative digital media associated with the user's geographic location. Embodiments of the invention receive location information specifying the geographic location of the user. Embodiments identify one or more instances of creative digital media having an association with the specified geographic location of the user. An indication of at least a portion of the identified instances of creative digital media is then provided to the user. | 2012-12-06 |
20120310785 | Collaborative Predictive Model Building - Techniques to estimate the probability of a future event occurring are described. The techniques include decomposing a data input stream to build a database of precursor data and building predictive models using the precursor data. Also disclosed are techniques in which by using a search engine to search a database of models to find a model and a user can query a found model to develop an inference of the likelihood of the future event. | 2012-12-06 |
20120310786 | PRINTING SYSTEM, PARTNER SELECTING METHOD, AND STORAGE MEDIUM - A printing system includes a first storage part storing printing partners correlated with respective locations and information for estimating respective production capabilities; a second storage part storing distribution partners correlated with respective locations and information for estimating respective delivery capabilities; a printing partner selecting part selecting a single printing partner whose location is in the same area as a delivery destination of a user-ordered print and that is capable of printing the user-ordered print in the shortest delivery time; a distribution partner selecting part selecting a single distribution partner whose location is in the same area as the single printing partner and that is capable of delivering the print in the shortest delivery time; and an order placing part configured to place, via an electrical network, an order for the printing service to the single printing partner and an order for the delivery service to the single distribution partner. | 2012-12-06 |
20120310787 | SELECTING DIVERSE PRODUCT TITLES TO DISPLAY ON A WEBSITE - A system and method for selecting diverse product titles to display on a website are disclosed. In some example embodiments, the methods and systems described herein identify available products to be displayed, cluster the identified products based on their similarity to one another, select one or more products from each of the clusters, and display information, such as a title, associated with the randomly selected products. | 2012-12-06 |
20120310788 | SALES SYSTEM - A provider of a service Z permits server X to use delivery destination information of a user stored in server Z from server Y. A mobile terminal of a user A reads an image code related to a product URL using server Y. When sending to server Y, the product URL and an ID of user A are sent to server X and stored in a table. When the mobile terminal receives authentication from server Z of the service Z, delivery destination information selected by the mobile terminal A from among delivery destination information of user A stored in server Z is sent to server X, correlated with the product URL and sender ID and stored in the table. When user A completes payment in server Y and server X receives payment completed information, a product is sent using the delivery destination information received from server Z. | 2012-12-06 |
20120310789 | ELECTRONIC COMMERCE SYSTEM, ELECTRONIC COMMERCE METHOD, AND ELECTRONIC COMMERCE PROGRAM - To easily set an appropriate supply method for each item, an electronic commerce system ( | 2012-12-06 |
20120310790 | Merging Contract Versions - Proposed revisions to a contract can be selectively merged with provisions included in a base version of a contract to generate a merged contract. To determine whether a particular provision in the merged contract should be selected from the base contract or the proposed revision to the contract, a check can be made to determine if an event affecting a provision in the base contract has occurred. If such an event has occurred, the contract provision from the base contract can be chosen for the merged contract. Otherwise, a provision from the proposed revision to the contract can be used in the merged contract. A graphical user interface (GUI) can be used to present various contract versions. | 2012-12-06 |
20120310791 | Clothing Visualization - A method includes receiving an indication of interest in a garment depicted within media content displayed at a video display and determining, based on the media content, one or more garment identifiers associated with the garment. The method includes after determining the one or more garment identifiers, generating an image representation including a garment overlay and a viewer representation, the garment overlay at least partially covering the viewer representation. The viewer representation is generated based at least partially upon measurement input associated with the viewer. The garment overlay is based at least partially on the one or more garment identifiers and at least partially on the measurement input. | 2012-12-06 |
20120310792 | PRODUCT COMMON OBJECT - Stored product management information in a first format for use by a first computerized system is transformed to readily make the stored product management information available for use in a second computerized system that utilizes a second format in a cost-efficient and time-efficient manner. | 2012-12-06 |
20120310793 | SYSTEM AND METHOD FOR DETERMINING CARBON EMISSION-CONSCIOUS ORDER FULFILLMENT ALTERNATIVES WITH MULTIPLE SUPPLY MODES - A system and method for optimizing order fulfillment by considering multiple supply modes in one aspect, plans supply of inventory by forecasting demand, estimating accuracy of said forecasted demand, and establishing reorder point policy based at least on said accuracy of said forecasted demand, a plurality of supply transportation modes, cost of carbon emissions and limit on carbon emission credits. Current inventory position is monitored and if the current inventory position is below the reorder point policy, orders are placed according to a selected shipping method. The selected shipping method may be based at least on customer order priority, transportation budget, and carbon emission limit. | 2012-12-06 |
20120310794 | SYSTEMS AND METHODS FOR TRACKING INTELLECTUAL PROPERTY - Systems and methods are provides that access a tag cell file in computer storage media, wherein the tag cell file is associated with a abstract representation of a component to be included in a semiconductor device. The tag cell file includes a tag that identifies the component as being based on intellectual property of a third party. The abstract representation of the component is translated to a computer data file for manufacturing the semiconductor device. The tag associated with the component is included in the data file, and the data file may be parsed by accounting programs to determine the extent of usage of the intellectual property in the semiconductor device. | 2012-12-06 |
20120310795 | SYSTEM AND METHOD FOR PROVIDING A PLURALITY OF ASSET AND SERVICE VALUATIONS - A computer-implemented engine, system and method for generating business valuations, scoring, and/or flagging over a network, responsively to information input by a user remote from the engine, system and method. The invention may include a graphical user interface capable of locally querying a user to input the company information, at least one network port capable of remotely receiving the company information from the graphical user interface, and at least one engine communicatively connected to the at least one network port, which engine preferably includes a plurality of rules to generate, responsively to the input company information, at least one of a business valuation, a business score, and/or one or more business flags to be used as indicators in a network marketplace, for the company associated with the inputted company information. | 2012-12-06 |
20120310796 | ENGINE, SYSTEM AND METHOD OF PROVIDING REALTIME CLOUD-BASED BUSINESS VALUATION AND DATABASE SERVICES - A computer-implemented engine, system and method for generating business valuations, scoring, and/or flagging over a network, responsively to information input by a user remote from the engine, system and method. The invention may include a graphical user interface capable of locally querying a user to input the company information, at least one network port capable of remotely receiving the company information from the graphical user interface, and at least one engine communicatively connected to the at least one network port, which engine preferably includes a plurality of rules to generate, responsively to the input company information, at least one of a business valuation, a business score, and/or one or more business flags to be used as indicators in a network marketplace, for the company associated with the inputted company information. | 2012-12-06 |
20120310797 | ENGINE, SYSTEM AND METHOD OF PROVIDING CLOUD-BASED BUSINESS VERIFICATION AND ASSOCIATED SERVICES - A computer-implemented engine, system and method for generating business valuations, scoring, and/or flagging over a network, responsively to information input by a user remote from the engine, system and method. The invention may include a graphical user interface capable of locally querying a user to input the company information, at least one network port capable of remotely receiving the company information from the graphical user interface, and at least one engine communicatively connected to the at least one network port, which engine preferably includes a plurality of rules to generate, responsively to the input company information, at least one of a business valuation, a business score, and/or one or more business flags to be used as indicators in a network marketplace, for the company associated with the inputted company information. | 2012-12-06 |
20120310798 | ENGINE, SYSTEM AND METHOD OF PROVIDING CLOUD-BASED BUSINESS VALUATION AND ASSOCIATED SERVICES - A computer-implemented engine, system and method for generating business valuations, scoring, and/or flagging over a network, responsively to information input by a user remote from the engine, system and method. The invention may include a graphical user interface capable of locally querying a user to input the company information, at least one network port capable of remotely receiving the company information from the graphical user interface, and at least one engine communicatively connected to the at least one network port, which engine preferably includes a plurality of rules to generate, responsively to the input company information, at least one of a business valuation, a business score, and/or one or more business flags to be used as indicators in a network marketplace, for the company associated with the inputted company information. | 2012-12-06 |
20120310799 | PAYROLL RECONCILIATION SYSTEMS AND METHODS - A method of payroll reconciliation comprising providing a first set of employee payroll data relating to at least one paycheck previously issued to an employee; preparing an adjusting check using the first set of employee payroll data on a paycheck system comprising a client interface comprising a plurality of editable fields; allowing a user to edit data on the plurality of the editable fields, wherein the data on the plurality of the editable fields for the adjusting check comprises cumulative earnings and taxes; storing in a computer readable medium the data for the adjusting check; and preparing an employee paycheck using the paycheck system. | 2012-12-06 |
20120310800 | Smart-Grid Having PLC Networked Sensors - A smart-grid residential service (SRS) uses connected sensors for integrated service monitoring and control of home appliances via the Internet and an in-home PLC network. Such sensors collect power usage information and include an intelligent master device and any of a communication enabled switch, a ZigBee® enabled switch, and a power control switch, each of which operate over a power line communication (PLC) network. The master collects, compiles, and communicates collected data to the network. The SRS provides infrastructure, i.e. communication, IP-TV, climatic control, etc. monitoring and control, power monitoring and control of connection enabled home appliances, other utility usage monitoring, and security monitoring and control. The SRS also provides billing and collection information for the monitored utilities to utility companies. | 2012-12-06 |
20120310801 | POWER USAGE CALCULATION SYSTEM - According to an embodiment, in a power usage calculation system, a data management system connected to electric power meters adding up power usage of electric apparatuses and an energy management system are interconnected through a network. Plural pieces of the first partial information are calculated by using the power usage added up by the electric power meters. The plural pieces of the first partial information are stored in storage servers. Each storage server calculates second partial information by using a plurality of pieces of the first partial information of the power usage added up by the electric power meters and transmits the calculated second partial information to the energy management system. The energy management system receives the second partial information respectively transmitted from the storage servers and calculates a total amount of the power usage added up by the electric power meters by using the received second partial information. | 2012-12-06 |
20120310802 | CONSTRUCTION PAYMENT MANAGEMENT SYSTEMS AND METHODS WITH SPECIFIED BILLING FEATURES - Systems and methods for managing payments in a hierarchical construction project. The system selectively operates in a specified billing mode for a first invoice and for a second invoice that is related to the first invoice. The system receives invoice details from a participant associated with the payee of the invoice when not operating in the specified billing mode and receives the invoice details from a participant not associated with the payee when operating in the specified billing mode. | 2012-12-06 |
20120310803 | METHOD AND SYSTEM OF PROVIDING INFORMATION DURING CONTENT BREAKPOINTS IN A VIRTUAL UNIVERSE - The present invention is directed to a system and method for providing information during content breakpoints in a virtual universe. The system comprises a placement engine configured to detect a content breakpoint within a virtual universe, which is defined as at least one of a login process, a logoff process, a teleportation, a wait state, and during any point where a user changes information streams in the virtual universe. The system also comprises an insertion resolution engine configured to create a list of prioritized information to present to a user within the virtual universe and an information definition engine configured to present the prioritized information to the user of the virtual universe during the content breakpoint. | 2012-12-06 |
20120310804 | Adaptive Ambient Services - Adaptive ambient services are provided. In some embodiments, an adaptive ambient service includes providing an ambient service profile. In some embodiments, an ambient service includes implementing an ambient service profile for assisting control of the communications device use of an ambient service on a wireless network, in which the ambient service profile includes a plurality of service policy settings, and in which the ambient service profile is associated with an ambient service plan that provides for initial access to the ambient service with limited service capabilities prior to activation of a new service plan; monitoring use of the ambient service based on the ambient service profile; and adapting the ambient service profile based on the monitored use of the ambient service. | 2012-12-06 |
20120310805 | INFERRING CREDIT WORTHINESS FROM MOBILE PHONE USAGE - A computer-implemented method for inferring creditworthiness of a mobile phone user. The method can include receiving call level data for a first plurality of mobile phone users and receiving a measure of creditworthiness for a second plurality of mobile phone users. The second plurality of mobile phone users can be a subset of the first plurality of mobile phone users. Attributes can be derived from the call level data. An attribute space can be defined for each mobile phone user based on the attributes. The attribute space can be partitioned into clusters. Each received measure of creditworthiness can be mapped to the cluster corresponding to the mobile phone user. The creditworthiness of each cluster can be characterized as a function of the mapped creditworthiness. The creditworthiness of a given mobile phone user in a given cluster can be characterized as a function of the creditworthiness characterizing the given cluster. | 2012-12-06 |
20120310806 | ENGINE, SYSTEM AND METHOD OF PROVIDING THIRD PARTY BUSINESS VALUATION AND ASSOCIATED SERVICES - A computer-implemented engine, system and method for generating business valuations, scoring, and/or flagging over a network, responsively to information input by a user remote from the engine, system and method. The invention may include a graphical user interface capable of locally querying a user to input the company information, at least one network port capable of remotely receiving the company information from the graphical user interface, and at least one engine communicatively connected to the at least one network port, which engine preferably includes a plurality of rules to generate, responsively to the input company information, at least one of a business valuation, a business score, and/or one or more business flags to be used as indicators in a network marketplace, for the company associated with the inputted company information. | 2012-12-06 |
20120310807 | SYSTEMS AND METHODS FOR GRAPHICALLY ENABLED RETIREMENT PLANNING - According to some embodiments, a system may categorize a first set of user goals as basic expenses and a second set of user goals as optional expenses. Icons associated with the basic expenses may be graphically displayed in a first screen area, and icons associated with the optional expenses may be graphically displayed in a second screen area. An indication that a selected icon is to be associated with one of the first or second areas may be received from a remote user. Based on the received indication, a user goal associated with the selected icon may be re-categorized (e.g., as a basic or optional expense). | 2012-12-06 |
20120310808 | Methods, software, and systems for over-the-counter trading - Methods, software, and hardware are disclosed for providing verified real time price quotes in an over-the-counter financial market. Systems are described that can comprise methods, software, and/or hardware to provide verified real time price information for securities traded over-the-counter. Verification methods of the invention include identifying suspect source data, wherein the suspect source data includes information about the price of a security, verifying the suspect source data, and displaying to a user a verified price quote of a security traded in an over-the-counter market to a user. The verification methods of the invention include using hash functions and hash tables to process suspect source data, wherein the hashing allows for confidential processing while at the same time maintaining the ability to match a price quote to the source of the price quote. | 2012-12-06 |
20120310809 | Method for trading and clearing variance swaps - In accordance with the principles of the present invention, a method for trading and clearing a volatility or variance-defined, standardized derivative financial instrument is provided. A financial instrument in either volatility or variance terms is negotiated. The realized variance to date on an underlying of that derivative financial instrument is determined. After the derivative financial instrument is negotiated and the realized variance to date is determined, at least one centrally-cleared financial instrument with a price derived from the volatility or variance terms and the realized variance to date on the underlying of that derivative financial instrument is delivered. Thus, a financial instrument negotiated in either volatility or variance terms is substituted with an equivalent position in a standardized, centrally-cleared financial instrument. | 2012-12-06 |
20120310810 | METHOD AND SYSTEM OF ENTERING POSITIONS REGARDING SECURITIES - Entering positions regarding securities. At least some of the illustrative embodiments include: interacting by a trader with a physical device, the interacting sets purchasing power for entering positions regarding securities; and without further input by the trader selecting a plurality of securities from a preselected list of securities, the selecting based on one more indications for each security, and the selecting by a computer system; and entering a plurality of positions regarding the plurality of securities, the number and value of the plurality of positions limited by the purchasing power, and the entering initiated by the computer system. | 2012-12-06 |
20120310811 | SYSTEM AND METHOD FOR REDUCING CURVE RISK - A bond matching system receives positions from dealers identifying bonds to be matched and including the price value per basis point (PVPB) of the bonds and an indication of a percentage deviation from PVBP that the dealer is willing to accept in a matching bond. A matching engine performs a matching optimization during a run to match as many positions as possible and then calculates a series of hedge trades for each dealer to reduce the curve risk generated by matching with bonds having different maturity dates. The hedge trades are executed in a liquid external market such as a futures exchange. | 2012-12-06 |
20120310812 | Online Automated Software Application for Matching Investors and Traders to Create Risk Controlled Investment Accounts - A method for an Internet-based software application is used to match specific investors to specific traders and traders' systems by running a set of compatibility algorithms. The compatibility algorithms identify similar qualities between investors and traders and compiles a list of high-incidence matches. Such qualities for the investors include investment tendencies and risk-tolerance criteria, and such qualities for the traders include trading tendencies. The software application will allow a specific investor(s) and a specific trader to broker a trade agreement that will accommodate the requirements for both parties. The software application will also allow a specific investor to implement a risk management strategy, which can be done in, but not limited to, four embodiments: the risk-control embodiment, the risk-control-with-pooling embodiment, the risk-transfer embodiment, and the risk-transfer-with-pooling embodiment. | 2012-12-06 |
20120310813 | PASS THROUGH LIQUIDITY IN A MULTI-TIERED TRADING SYSTEM AND METHOD - The present invention generally relates to brokerage systems and methods, and more particularly, to a multi-tiered trading system and corresponding methods which allow multiple customers and multiple dealers to transact on a single platform while maintaining the distinction of an inter-dealer system and a dealer-customer relationship. | 2012-12-06 |
20120310814 | METHOD AND SYSTEM FOR FACILITATING COMMERCIAL PAPER FUNDING VIA A COMMUNICATION NETWORK - A central computer system facilitates organizations and individuals using a communication network to negotiate commercial paper terms and to offer, sell, and buy commercial paper notes. The fundraiser/issuer uses a user device interface to input information about funding needs and repayment terms of commercial paper he intends to issue. The system, or a user device itself, generates an interface used by a potential or actual buyer that generates, or receives, a funding offer, or counteroffer in response thereto, respectively. The system facilitates generating and transmitting legal documents in the form of commercial paper notes, offerings, and sales via the communication network. The funding facilitator system can manage authentication credentials of the issuer and potential buyers to facilitate determining that either party has bound themselves to an offer, counteroffer, or acceptance. Issuer's and potential buyers' devices can authenticate the funding facilitator to verify the authenticity of a document received therefrom. | 2012-12-06 |
20120310815 | METHOD AND SYSTEM FOR AUTOMATED TRANSACTION COMPLIANCE PROCESSING - A system for automated transaction compliance processing comprises a list server providing access to one or more lists of securities with trading restrictions and a rules engine which processes compliance requests to determine if, based upon the relationship between the requesting party and the company on behalf the compliance is being performed, the transaction is permissible. Compliance determinations are made using a set of predefined compliance rules. When a request is evaluated, a compliance rule set indicating which rules are to be evaluated at that time is generated in accordance with a party profile indicating the relationship between the party and the company. A message indicating whether the transaction complies with trading restrictions is then returned. | 2012-12-06 |
20120310816 | COMPUTERIZED METHOD FOR GENERATING AND MAINTAINING A LEVERAGED OR REVERSE EXCHANGE TRADED PRODUCT - A computer implemented method for maintaining a leveraged or reverse exchange traded product is provided which includes electronically monitoring, with a computer, a change in value of a product sold on an exchange, Electronic Communication Network (ECN), or Alternative Trading System (ATS); calculating, with a computer, a target number of options in the product required to provide a target return that is one of a multiple of a return of the product, a negative of the return of the product, or a negative multiple of the return of the product, and buying or selling options in the product to obtain the target number of options. | 2012-12-06 |
20120310817 | Methods, Systems and Computer Program Products for Providing Low Risk Portable Alpha Investment Instruments - Provided are methods of providing a portable alpha investment instrument. Some embodiments of such methods include allocating a first portion of a financial asset to a first asset class, allocating a second portion of the financial asset to a second asset class, establishing a swap transaction corresponding to the first portion of the financial asset, the swap transaction configured to define a minimum term corresponding to an asset status change, and transferring the first portion and the second portion of the financial asset responsive to the allocating. | 2012-12-06 |
20120310818 | System and Method for Providing a Linear Spread - A system and method for providing a linear spread in an electronic trading environment are described. According to one example embodiment, a trading system can receive market information associated to a trading strategy, known as a spread. The trader may also define a market volatility parameter to utilize in the calculation of a linear spread price axis. The received market information and a divide spread algorithm are also used to determine the linear spread price axis. The trading application determines a linear spread price axis, at which price levels are separated by consistent linear tick increments. The linear spread price axis allows for more efficient and effective trading in the electronic trading environment especially when certain tradeable objects are traded or when certain spread algorithms, like the divide spread algorithm, are utilized. | 2012-12-06 |
20120310819 | SYSTEMS AND METHODS FOR PERFORMING SCORING OPTIMIZATION - The invention provides systems and methods relating to generating a unified determination based on subdetermination, and in particular, generating a unified score based on respective scores. For example, the invention provides a method for generating a unified determination based on subdeterminations, the method including generating a first subdetermination based on first criteria; generating a second subdetermination based on second criteria; and generating a unified determination based on the first subdetermination and the second subdetermination. The generation of the unified determination includes (a) assigning, using iterative processing, an assigned weighting respectively to the first determination and second determination; (b) determining if the assigned weighting satisfies at least one constraint; (c) comparing the assigned weighting to an optimized weighting, which was previously determined, to determine if the assigned weighting is improved over the optimized weighting; and (d) if the assigned weighting is improved, then assigning the assigned weighting to be the optimized weighting. | 2012-12-06 |
20120310820 | ENGINE, SYSTEM AND METHOD FOR PROVIDING CLOUD-BASED BUSINESS INTELLIGENCE - An engine, system and method for providing cloud-based business intelligence data, responsively to received company information, including a local front end comprising a graphical user interface capable of locally querying a user for an electronic location of the received company information, and ones of the business intelligence data to be displayed on the graphical user interface upon upload of the received company information from the electronic location, and further including an at least partially remote back end, comprising an accessing engine capable of accessing the electronic location for uploading to the cloud of only ones of the received company information indicative of the ones of the business data intelligence to be displayed, and a charging engine for charging an account of a user of the front end $1 per the ones of the business intelligence data to be displayed. | 2012-12-06 |
20120310821 | SOLAR FIELD CANVAS - A solar field made up of a plurality of mutually adjacent solar panels and a substantially horizontal visual display associated aerially with at least a portion of the solar panels. The field may include landscaping which forms at least a portion of the display. The solar panels may include differently colored solar cells arranged to form at least a portion of the display. The field may include a plurality of light emitting elements, coupled to at least a portion of the solar panels and controlled to selectively display a visual image. | 2012-12-06 |
20120310822 | AGGREGATING DEBT TO INCREASE BARGAINING POWER - Systems and methods for aggregating debt to increase bargaining power are provided. An example system includes a web-based aggregating service that enlists subscribers or participants. The service compiles multiple individual debts owed to one creditor by numerous participating members into an aggregated debt with which to approach the creditor for negotiation of a discounted payment. The payment is attractive and relatively reduced from the standpoint of the debtors because it is discounted. Since the discount is applied to numerous debts that are to be resolved in a relatively short timeframe, the payment is attractive, paid quickly, and relatively increased from the standpoint of the creditor, compared with conventional individual collections, which are relatively expensive and have a poor success rate. | 2012-12-06 |
20120310823 | METHOD AND SYSTEM FOR OPERATING A SOCIAL FUNDING PLATFORM AND FOR INTERACTIVE FUNDRAISING IN A SOCIAL NETWORK ENVIRONMENT - A social network fundraising system receives a business funding request associated with one or more traits from an entrepreneur/fundee. The system selects potential/candidate funders based at least partly on a ranking corresponding to their respective relationship to the fundee. The system sends a request message successively and preferentially to groups of one or more candidate funders according to the ranking order until funding offers are received from one or more candidate funders. The system sends received offers and information identifying the funders to the entrepreneur, and may facilitate automatic negotiation between each potential funder and the entrepreneur. The ranking order may correspond to statistical similarity between traits associated with a request and traits associated with a candidate funder, as well as to social similarity between the entrepreneur and candidate funder resulting from analysis of social network profiles. The system may facilitate displaying funding status on a funder's social network profile. | 2012-12-06 |
20120310824 | MONETARY TRANSACTION SYSTEM - Embodiments are directed to monetary transaction system for conducting monetary transactions between transaction system subscribers and other entities. In one scenario, the monetary transaction system includes a mobile device that runs a monetary transaction system application. The monetary transaction system also includes a subscriber that has a profile with the system. The subscriber indicates a transaction that is to be performed with the monetary transaction system. The system further includes a monetary transaction system processor that performs the transactions specified by the subscriber including communicating with a monetary transaction database to determine whether the transaction is permissible based on data indicated in the subscriber's profile. The monetary transaction system also includes at least one entity that is to be involved in the specified transaction, where the entity has a profile with the monetary transaction system. This entity may be a person, a retail store, an agent or other entity. | 2012-12-06 |
20120310825 | System and Method for Syndicated Transactions - A transaction system has a first Internet-connected service provider enterprise and second enterprises maintaining each at least one financial account for a user. Third enterprises maintaining billing accounts associated with the users. There is an interactive interface that displays account balances and bills. The user, through the interactive interface, commands payment of a bill from an account by drag and drop. | 2012-12-06 |
20120310826 | VIRTUAL WALLET CARD SELECTION APPARATUSES, METHODS AND SYSTEMS - The VIRTUAL WALLET CARD SELECTION APPARATUSES, METHODS AND SYSTEMS (“VWCS”) transform virtual wallet card selections by users utilizing mobile devices via VWCS components into virtual wallet card-based transaction purchase notifications. In one implementation, the VWCS obtains a user authentication request for a purchase transaction, and extracts a universal card account number from it. Upon querying a database, the VWCS determines that the user has access to a virtual wallet and obtains virtual wallet card selection options for the user from the database. The VWCS provides the virtual wallet card selection options to a user mobile device, and obtains a user selection of an account included among the options. The VWCS initiates a purchase transaction using the user selection. Also, upon completion of authorization of the purchase transaction, the VWCS provides a purchase receipt to the user mobile device. | 2012-12-06 |
20120310827 | SYSTEM, METHOD, AND APPARATUS FOR FUNDS TRANSFER - A computer-based funds transfer system provides funds transfer by making a request of a cash amount from an authorized device, then, responsive to the request, the authorized device transmits the request to a transaction server where the transaction server allocates funds and sends a code back to the authorized device. The authorized device displays the code as a bar code and the bar code is scanned by a terminal/system of a recipient. The terminal/system of the recipient sends the code and the cash amount to the transaction server. The transaction server validates the request and, if approved, sends a confirmation back to the recipient terminal/system and debits the user's account for the cash amount and the transaction server initiates a cash transfer to the recipient. | 2012-12-06 |
20120310828 | INSTANT BANK ACCOUNT VERIFICATION THROUGH DEBIT CARD NETWORK - A bank account can be authenticated or confirmed by a user providing an account number and a debit card number. The payment provider then obtains user account information from the bank through a debit card network. The payment provider authenticates the account if the account numbers match. In another embodiment, authentication further requires a portion of a current bank balance in the account provided by the user to match the current balance received from the bank. | 2012-12-06 |
20120310829 | SYSTEMS AND METHODS FOR APPLYING A UNIQUE USER IDENTIFIER ACROSS MULTIPLE WEBSITES - Various embodiments provide systems for registering a user with at least two websites. The systems comprise a memory and at least one processor configured to ( | 2012-12-06 |
20120310830 | SYSTEMS AND METHODS FOR MANAGING CHARGEBACK REQUESTS - Various embodiments provide systems for managing chargeback requests. Such systems comprise a memory and at least one processor configured to: (a) retrieve transaction parameters associated with the previously executed transaction from the memory; (b) retrieve historical parameters associated with one or more other previously executed transaction activities conducted by the user from the memory; (c) compare one or more transaction parameters with one or more historical parameters to identify at least one correlation; and (d) after identifying at least one correlation, transmit information on the at least one correlation to be used as evidence sufficient to support a finding that the user did conduct the previously executed transaction activity with the website. Associated methods are also provided. | 2012-12-06 |
20120310831 | REPUTATION MANAGEMENT IN A TRANSACTION PROCESSING SYSTEM - A method includes: receiving information regarding a plurality of completed transactions from a plurality of users; receiving a query from a first user regarding a proposed transaction; determining at least one affinity between the first user and the plurality of users based on the information; determining a ranking or expectation of success for each of a plurality of potential entities for the proposed transaction based on the at least one affinity; selecting a plurality of selected entities based on the ranking or expectation of success for each of the potential entities; and sending, in response to the query, the plurality of selected entities to the first user. | 2012-12-06 |
20120310832 | PAYMENT TRANSACTION USING MOBILE PHONE AS RELAY - Systems and methods of conducting a payment transaction using a mobile phone as a relay. The systems and methods receive transaction information associated with a transaction at a mobile communication device from a merchant. They send the transaction information with the mobile communication device to an issuer associated with the mobile communication device. The issuer thereafter sends an authorization response message to the merchant. | 2012-12-06 |
20120310833 | 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. | 2012-12-06 |
20120310834 | PAYMENT SYSTEM - A payment system is capable of making recurring payment processing through only single processing at a predetermined period and thereby enhancing credit card transactions on rents of real-estate rental properties. Rent information sent from a CAT to a host computer is stored in a recurring payment database, and a sales telegram of the rent stored in the recurring payment database is sent to payment request determination means on the assumption that the payment is within a guarantee period stored in a guarantee period database. | 2012-12-06 |
20120310835 | METHOD AND APPARATUS FOR CONTACTLESS PAYMENT AUTHENTICATION - The present disclosure relates generally to the authentication of contactless payments attempted by a device having embedded contactless payment functionality. In particular, the disclosure is directed to systems and methods that utilize authentication schemes that already exist on a device in which the contactless payment functionality is embedded. One example of such authentication schemes is the use of password protection to lock or unlock the device in which the contactless payment functionality is embedded. Using the password protection functionality may provide varying levels of authentication protection based on the desires of the user. A number of exemplary uses of such a method and apparatus are disclosed herein. | 2012-12-06 |
20120310836 | LOCATION BASED AUTHENTICATION SYSTEM - A method for determining a fraud score associated with a monetary transaction facilitated using a payment card in a store is disclosed. The method comprises receiving data representative of an incoming payment transaction; analyzing a location of an owner of the payment card and a location of the store for determining a location rating; analyzing a location behavior profile (LBP) related to the payment card for determining a behavior rating, wherein the analysis is based in part on the incoming payment transaction; computing a transaction rating using the location rating and the behavior rating in combination with a first weight factor; analyzing historical payment transactions related to the payment card for determining a card rating; and computing the fraud-score using the transaction rating and the card rating in combination with a second weight factor. | 2012-12-06 |
20120310837 | Method and System For Providing Authenticated Access to Secure Information - A system and method for providing access to secure information. The method includes using a computing device to detect a connection between the computing device and an electronic key. The electronic key stores an encrypted unique electronic identifier (UEID). The method also includes using the computing device to authenticate a provider identifier (ID). If the provider ID is authentic and the electronic key is connected to the computing device the UEID is accessed. A request to access secure information is transmitted by the computing device to a secure storage device. Access to the secure information is granted based on the authenticated provider ID and a set of access preferences associated with the UEID. The computing device receives the requested secure information if the request is granted. | 2012-12-06 |
20120310838 | LOCAL USAGE OF ELECTRONIC TOKENS IN A TRANSACTION PROCESSING SYSTEM - A method for the use of electronic transactional tokens includes: generating a plurality of transactional tokens including a first token; associating each of the transactional tokens with a plurality of users, the first token associated with a first user; monitoring usage of the transactional tokens in a plurality of transactions in a local region or network; and in response to receiving transactional data for the first transaction, updating the first token from a first state to a second state (e.g., to provide a benefit when the token is applied in the local region or network). The tokens may be generated and monitored using a token processing system, which uses transaction data received by a transaction handler that is handling transaction processing for the transactions. | 2012-12-06 |
20120310839 | Method and service platform for implementing account transfer using mobile terminal - The disclosure discloses a method for implementing account transfer using a mobile terminal, which includes: an uplink processing module receives a transfer-out transaction request from a transferor and a transfer-in transaction request from a transferee or an agent; an encryption and decryption module performs format verification and decryption of the transfer-out transaction request and transfer-in transaction request, randomly generates a withdrawal password according to the transfer-out transaction request, and provides the withdrawal password to a transaction processing module and a transferee; the transaction processing module authenticates a user accessing to the mobile terminal wallet transaction, performs the transfer-out operation according to the transfer-out transaction request, and performs the transfer-in operation according to the transfer-in transaction request and the withdrawal password provided by the encryption and decryption module; and a downlink processing module returns a response message to the mobile terminal of the transferor, transferee or agent after the transaction processing is completed. The disclosure also discloses a service platform for a mobile terminal wallet transaction. By adopting the disclosure, the inconvenience caused by the fact that the current transfer way using the mobile terminal must be supported by the bank outlet is overcome. | 2012-12-06 |
20120310840 | AUTHENTICATION METHOD, PAYMENT AUTHORISATION METHOD AND CORRESPONDING ELECTRONIC EQUIPMENTS - The authentication method is based on the exchange of text messages between an User electronic equipment, in the form of a mobile phone terminal, and an Intermediary electronic equipment, and between a Manager electronic equipment and an Intermediary electronic equipment; upon a request of authentication of a User by a Manager to an Intermediary, the Intermediary electronic equipment sends to the mobile phone terminal an authentication key by means of an encrypted text message; the mobile phone terminal decrypts the encrypted text message via a cryptography key, the cryptography key has been previously encrypted via a PIN and stored inside the mobile phone terminal; if the mobile phone terminal correctly replies to the encrypted text message by sending to the Intermediary electronic equipment an appropriate encrypted text message, authentication is successful; typically, SMS or MMS and asymmetric encryption are used for implementing this method. The payment authorisation method is based on such authentication method and may involve also a Payer electronic equipment. | 2012-12-06 |
20120310841 | METHOD OF REPRESENTING STATUS OF A LEGISLATIVE ISSUE AND A LEGISLATIVE TRACKER FOR TRACKING LEGISLATIVE ISSUES - A legislative tracker, a method of representing status of a legislative matter and an apparatus are disclosed herein. In one embodiment, the apparatus includes: (1) a data interface configured to receive legislative data associated with a legislative issue and (2) a computer processor configured to generate a progress marker from the legislative data that represents activity associated with the legislative issue during a legislative session. | 2012-12-06 |
20120310842 | TECHNICAL SUPPORT AGENT AND TECHNICAL SUPPORT SERVICE DELIVERY PLATFORM - An embodiment of a method for providing technical support service includes generating a plurality of problem resolutions that are determined to resolve an identified technical problem; attributing weights to each of said plurality of problem resolutions according to frequency of use; and in response to a request to resolve said identified problem, selecting a problem resolution from among said plurality of problem resolutions based at least in part on said attributed weights. | 2012-12-06 |
20120310843 | METHOD AND APPARATUS FOR UPDATING PRICES FOR KEYWORD PHRASES - A method for updating prices for phrases may begin by receiving, at a computing device, a real-time data feed comprising a plurality of messages. The method may continue by detecting, by the computing device, a topic associated with a message in the plurality of messages using natural language processing. The topic may indicate the subject of the message. The method may continue by calculating, by the computing device, a score for the topic using temporal data associated with the message. The score may indicate the popularity of the topic. The method may continue by extracting, by the computing device, a keyword phrase from the topic. The method may conclude by determining, by the computing device, a price associated with the keyword phrase using the score. | 2012-12-06 |
20120310844 | ENGINE, SYSTEM AND METHOD FOR PRESENTING BUSINESS VALUATION SERVICES - A computer-implemented engine, system and method for generating business valuations, scoring, and/or flagging over a network, responsively to information input by a user remote from the engine, system and method. The invention may include a graphical user interface capable of locally querying a user to input the company information, at least one network port capable of remotely receiving the company information from the graphical user interface, and at least one engine communicatively connected to the at least one network port, which engine preferably includes a plurality of rules to generate, responsively to the input company information, at least one of a business valuation, a business score, and/or one or more business flags to be used as indicators in a network marketplace, for the company associated with the inputted company information. | 2012-12-06 |
20120310845 | ENGINE, SYSTEM AND METHOD OF PROVIDING NORMALIZED BUSINESS VALUATIONS - A computer-implemented engine, system and method for generating business valuations, scoring, and/or flagging over a network, responsively to information input by a user remote from the engine, system and method. The invention may include a graphical user interface capable of locally querying a user to input the company information, at least one network port capable of remotely receiving the company information from the graphical user interface, and at least one engine communicatively connected to the at least one network port, which engine preferably includes a plurality of rules to generate, responsively to the input company information, at least one of a business valuation, a business score, and/or one or more business flags to be used as indicators in a network marketplace, for the company associated with the inputted company information. | 2012-12-06 |
20120310846 | SYSTEM TO IDENTIFY MULTIPLE COPYRIGHT INFRINGEMENTS AND COLLECTING ROYALTIES - A system, a method and a computer program for determining multiple copyright infringement events, identifying a particular IP address—port number combination associated with the multiple infringement events, and notifying an ISP and/or a customer regarding the multiple copyright infringement events. | 2012-12-06 |
20120310847 | Method and System for Automatic Scoring of the Intellectual Properties - Novel methods of IP or patent management and monetization based on IP/patent pooling and scoring systems are disclosed. In addition, novel partnership methods with IP producing entities (such as universities) are disclosed which produce incentives and efficiencies far and above other methods. Systems and methods are disclosed for valuation of IP instruments and distribution of IP revenue/proceeds. Examples of methods for scoring IP instruments, using a transactional and event driven point/value system, are disclosed for tracking, monitoring, distribution and allocation of proceeds in a complex pooling arrangement of IP instruments. | 2012-12-06 |
20120310848 | ANTI-COUNTERFEITING MARKING WITH ASYMMETRICAL CONCEALMENT - An anti-counterfeiting method associates the first code with an article to be authenticated to identify the article, and associates a second code with the first code as a verification code to verify the first code. Both the first code and the second code are reproduced on the article. The reproduced first code is machine-readable (e.g., contained in a RFID tag), while the reproduced second code is covert and concealed from normal viewing by a concealment means such as a scratch-off material. An authorized person (e.g., a consumer) is allowed to conditionally remove the concealment to reveal the covert code. The first code and the revealed second code are used to verify the authenticity of the product with a verification center. During the verification, the first code identifies the article, while the second code verifies the first code and thus the authenticity of the associated article. | 2012-12-06 |
20120310849 | SYSTEM AND METHOD FOR VALIDATING DESIGN OF AN ELECTRONIC PRODUCT - A system and method validates design of an electronic product using a computing device. The method establishes design failure data and product failure data of the electronic product in a database. When the design of the electronic product is finished, the method determines whether the design is eligible by examining design modules of the design according to the design failure data in the database. When the design is eligible, the method determines whether the validation of actual samples of the electronic device is successful by validating actual samples of the electronic product according to the product failure data in the database. If the validation of the actual samples is successful, the method acquires abnormal data of executing the actual samples, and updates failure data converted from the abnormal data into the database, if the abnormal data has been acquired. | 2012-12-06 |
20120310850 | Method and System for Evaluating Events - In one embodiment, a method includes determining a plurality of event types where each event type being stored in association with event metadata. One or more events are received and an event type in the plurality of event types for each received event is determined. The method determines event metadata for each determined event type and event data from the event based on the event metadata. One or more control data objects are determined stored in association with the determined event type; one or more rules stored in associated with each of the control data objects is determined where the rule comprises one or more criteria being evaluated against one of the data values of said event; and evaluating the event data with the criterion to determine if each of the events is non-compliant or compliant with a low-level system requirement of said rule. | 2012-12-06 |
20120310851 | System and method for online employment opportunities - A method and system of providing an on line employment opportunity to job seekers and employee seekers is described. The method includes consideration from the employee seeker to the job seeker in exchange for viewing access to the job seekers credentials and identifying information. The method further reduces the amount of effort for employee seekers and job seekers to identify each other's compatible preferences by categorizing credentials into levels of data, which can be managed within the system. | 2012-12-06 |
20120310852 | ESTABLISHING AN E-BADGE VIA MOBILE PRE-REGISTRATION FOR A VISITOR MANAGEMENT SYSTEM - A system and method for establishing an e-badge via mobile pre-registration for a visitor management system is provided. The method includes receiving a pre-registration request for a future visit to a building, confirming the pre-registration request, and providing an e-badge to a guest mobile device for the future visit to the building. | 2012-12-06 |
20120310853 | ITEM TRACKING AND ANTICIPATED DELIVERY CONFIRMATION SYSTEM AND METHOD - This disclosure describes systems and methods for electronically tracking information. The tracking information may include arrival information regarding an arrival of the item and processing information regarding processing of the item. | 2012-12-06 |
20120310854 | Physical Event Management During Asset Tracking - Techniques for physical event management while tracking physical assets are disclosed. In one aspect, data identifying locations of interest in a journey of an asset is received. A position fix for the asset is received and a determination is made that the asset is within a location of interest. In another aspect, data identifying one or more milestones in a journey of the asset is received. An event notification is received from a tag coupled to the asset, and it is determined that there is a problem in the shipment of the asset. In yet another aspect, data identifying one or more actions that should be taken after events of interest in a journey of the asset is received. An event notification is received from a tag coupled to the asset, and it is determined that a particular action should be taken. | 2012-12-06 |
20120310855 | SYSTEMS AND METHODS FOR DETERMINING A SITE FOR AN ENERGY CONVERSION DEVICE - Systems, methods and computer program products provide for determining the location of an energy conversion device to convert renewable energy into electrical energy. A method for determining the location of a renewable energy conversion device, via a data processing system, includes displaying a qualified site to establish the conversion device within a user-identified geographic area and calculating the potential energy production of the conversion device at the qualified site. The method further includes calculating the cost expenditure to construct the conversion device at the qualified site, the cost expenditure including at least construction contractor labor rates and material costs that are collected from construction contractors located within the geographic area. The method also further includes displaying for selection by the user at least one public or private funding source to establish the conversion device at the qualified site and submitting a funding-source application in response to a user selection of the funding source. | 2012-12-06 |
20120310856 | Methods And Systems For Financing And Marketing - The present invention provides methods and systems of executing the method/s of financing and/or marketing a venture or product while rewarding the revenue contributing clients of an enterprise based on the stage or the state that they make a revenue contribution to the enterprise. One of the objectives of this invention is to entitle the clients with a reward such as a stock that is appreciable through the growth and success of the enterprise. Such reward “program” is a function of the enterprise market value and the amount of client's revenue contribution at the time of the “revenue contribution event”. | 2012-12-06 |
20120310857 | FACTOR-BASED MEASURING OF SIMILARITY BETWEEN FINANCIAL INSTRUMENTS - A system and method for factor-based measuring of similarity between financial instruments are described. The method including selecting a model for factor intersection calculation of a two or more of financial instruments, the model including a plurality of factors; determining factor exposure values for first and second financial instruments on each of the factors; determining a proximity between the factor exposure values based on the selected model; and calculating a factor intersection result between the factor exposure values, wherein the factor intersection result includes at least one of an overlap amount and a non-overlap amount. | 2012-12-06 |
20120310858 | FINANCIAL INSTRUMENT MANAGEMENT SYSTEM - A financial instrument management system determines a current market rate of interest that is compared with an annual percentage yield of a financial instrument from a financial institution. The system processes (e.g., receives and/or presents) an early redemption request prior to a maturity date of the financial instrument. The early redemption request comprises a request for a payout equal to a current value of the financial instrument and a market value adjustment. The current value comprises the principal of the financial instrument plus accrued interest. The market value adjustment comprises a bonus portion such that the payout is greater than the current value of the financial instrument when the current market rate of interest is less than the annual percentage yield and/or a discount portion such that the payout is less than the current value when the current market rate of interest is greater than the annual percentage yield. | 2012-12-06 |
20120310859 | PRICE EARNINGS DERIVATIVE FINANCIAL PRODUCT - A system for and method of using a financial instrument to take a view on a price-to-earnings ratio for a set of one or more equities. The system and method may be used to commodify the price-to-earnings ratio for one or more equities, such a as a stock or an index. The system and method may include a financial instrument that allows a user to take a view on an earnings, or ratio comprising price and earnings, for underlying equities. | 2012-12-06 |
20120310860 | Cloud-Based Demand Response - Methods, systems, and apparatus for implementing cloud-based demand response are provided. Cloud-based demand response may be performed by publishing a demand response request at a communications node, the published demand response request including at least a load reduction request and an incentive price; initiating a load reduction bidding process in response to the published demand response request, the load reduction bidding process being accessible to customer nodes; and determining an updated incentive price based on at least one load reduction bid received from the customer nodes. The updated incentive price may be determined by a bisection function, and the at least one load reduction bid may be autonomously generated based on a customer cost function. | 2012-12-06 |
20120310861 | UTILITY CALCULATION AND PRICING SYSTEM AND METHOD - A method of controlling usage of a commodity. The method includes monitoring, by an electronic device, a usage of the commodity, communicating, by the electronic device, the usage of the commodity to a fully-loaded cost engine at a remote location, determining, by the fully-loaded cost engine, a fully-loaded price for a commodity, communicating the fully-loaded price to a device, and operating a commodity-using device based on the fully-loaded cost and a commodity-consumption strategy. | 2012-12-06 |
20120310862 | OPERATION AND MANAGEMENT OF PROFESSIONAL SPORTS TEAM - A method of compensating players of a professional sports team subject to a total team compensation restriction. The method includes discounting the amount that at least one player's compensation counts toward total team compensation subject to the restriction, based at least in part upon the length of the player's tenure with the team. | 2012-12-06 |
20120310863 | GENE-SPECIFIC PREDICTION - A gene-specific prediction tool for classifying and interpreting gene tests is described. The prediction tool includes a classifier trained and tested using databases of gene variants and their known phenotypes. The classifier uses differences between features of amino acids in obtaining attributes used to perform classification and generate predictions, including for benign and pathologic outcomes, for uncertain gene variants. | 2012-12-06 |