| 53rd week of 2009 patent applcation highlights part 70 |
| Patent application number | Title | Published |
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| 20090327070 | System and Method for Monitoring Efficacy of Online Advertising - Systems and methods are provided for determining the efficacy of online advertising campaigns. In one approach, the method involves, in response to a user of a network device accessing a web page on which an advertisement is displayed, caching an impression in a first database, and receiving device data regarding the network device. The device data may comprise a combination of user-configurable and non-user-configurable machine parameters. A unique device identifier for the network device may be generated based on the machine parameters. The generated device identifier may be utilized to gain insight into which online ads users look at and which products and/or services they tend to buy. | 2009-12-31 |
| 20090327071 | INFORMATION MAPPING APPROACHES - Methods, systems and applications for updating, enhancing, organizing, and utilizing geographic maps, for locating points of interest and places of businesses, or POI's. Embodiments provide a method for collecting geo-coordinate data on POIs by eliciting participation of the business owners or designated employees to identify the specific locations of POI's on a map; a map program which synchronizes to a centralized database where POI and other more frequently changing and time-dependent map information is downloaded to individual users; a map program, where in addition to the standard contact information, “qualitative” information and website links are included in an POI information box to aid in pre-qualifying a POI before selection and in booking a reservation; a method for locating markers on an Internet-based search engine map; and an improved contact management system that allows locations of contacts to be viewed on a map while minimizing address geocoding. | 2009-12-31 |
| 20090327072 | PRESENTATION OF SEQUENTIAL ADVERTISEMENTS - Advertisements are provided to a user. An initial advertisement is provided to a user, where the initial advertisement is a first advertisement of a series of related advertisements from a same advertiser. Subsequent advertisements of the series are provided to the user based on a demonstrated intent from the user to view the subsequent advertisements while the user is viewing advertisements of the series. A cost per completion amount is determined based on the progression of the user within the series of advertisements. | 2009-12-31 |
| 20090327073 | INTELLIGENT ADVERTISING DISPLAY - Computer-readable media, systems, and methods for intelligent advertisement display are provided. The intelligent advertisement display comprises a photography device configured to capture one or more images of one or more persons, and electronic display configured to display information to one or more users, a content module configured to store advertising data received from one or more advertisers, one or more location directories and one or more images of one or more persons taken by the photography device. The intelligent advertisement display further comprises a directory module configured to access and display the one or more location directories, receive user inputs and display advertising data from content module associated with the one or more user inputs. A photography module is configured to receive the one or more and associate the photographs with one or more advertisements from the content module. | 2009-12-31 |
| 20090327074 | METHOD AND APPARATUS FOR ADVERTISING SPECTRUM IN A COMMUNICATION SYSTEM - The application discloses a method and apparatus for advertising a spectrum in a wireless communication system. The method includes obtaining an address of a broker device authorized to negotiate access to the spectrum, and sending an inquiry message to the broker device for negotiating access to at least a portion of the spectrum. The method then includes receiving an agreement message including an advertisement text from the broker device when the first user device agrees to negotiating terms associated with the broker device. The advertisement text includes information related to the portion of the spectrum and the broker device. The method further includes transmitting a packet including the advertisement text to at least one other user device such that the at least one other user device communicates with the broker device for allocation of the portion of the spectrum. | 2009-12-31 |
| 20090327075 | Optimizing Advertisement Campaign Servicing - Methods, system and computer readable media for distributing advertisements include minimizing storage costs for frequency capping, dividing a set of campaigns into slices and predetermining campaign-target matches. Frequency storage costs may be minimized by storing frequency data for those users or groups of users that have a high probability of exceeding a frequency limit. Additionally or alternatively, a set of campaigns may be divided into slices. Less than all of the slices may then be evaluated (i.e., instead of the entire set) against a user requesting an advertisement. Still further, all campaign-target matches may be evaluated prior to receiving advertisement requests. Re-evaluations may be performed when changes occur to the set of campaigns. The match data may be stored in bitset, hash map and bitmap storage structures. | 2009-12-31 |
| 20090327076 | AD TARGETING BASED ON USER BEHAVIOR - In accordance with embodiments of the present invention, systems and methods for providing customized advertising content are provided. When a user is browsing a webpage, client script code embedded in the webpage monitors the user's mouse and keyboard activity, for example, the time it takes the user to click on a link, the time between clicks, etc. This data may then be compiled and sent to an ad server, which responds in real time by placing advertisements suitable to the user at that moment. By comparing the user's activity data to known behavioral data, one can estimate or predict the identity of the user and the user's state of mind, and deliver the advertisements accordingly. As more data is collected, the ad server may act dynamically to present more advertisements. | 2009-12-31 |
| 20090327077 | ADVERTISING SERVICE METHOD PROVIDING SEPARATE ADVERTISEMENT OF MOVING PICTURE DURING THE GAME PLAY AND SYSTEM THEREOF - Provided are an advertising service providing method and advertising service providing system for providing a separate video advertisement once a video game is paused. The advertising service providing method includes pausing a game in a terminal if a predetermined first condition is satisfied while the video game is being played in the terminal; outputting an advertisement including video data once the video game is paused; and resuming the video game once the advertisement is completely output. According to the present invention, by pausing a game when the concentration of users is high and primarily outputting an advertisement that is separate from the game, the advertisement may be noticed and effectively advertised, and users may use the video game for free or at an inexpensive price as a result of employing this effective form of advertising since a game provider may a stably profit from advertisement fees paid by an advertiser. | 2009-12-31 |
| 20090327078 | METHOD AND SYSTEM FOR DISPLAYING INFORMATION BASED ON USER ACTIONS - A system and method is provided whereby a user's interest is inferred from a user's interaction with a map. An ad is then displayed based on the inferred interest. | 2009-12-31 |
| 20090327079 | SYSTEM AND METHOD FOR A DELIVERY NETWORK ARCHITECTURE - A system and method of managing delivery of data files receives a user request for a data file and determines a user profile and permission level based upon the received user request. The system and method establishes a delivery file path for the requested data file based upon the user profile and permission level, prioritizes delivery of the requested file based upon the user profile and permission level, and delivers the requested file using the established file path and the prioritization determination. A requester may upgrade their user profile and permission level to gain performance resources to access requested files, and the system re-prioritizes deliveries based on the new levels. If sufficient resources are not available to service a user request, the request enters a delivery queue based upon the user profile and permission level. When resources are available, the system delivers the requested file. | 2009-12-31 |
| 20090327080 | COUNTER-TYPE MERCHANDISE REGISTRATION APPARATUS - One of the sales-promotion information items stored is selected and displayed on the dedicated second customer-use display unit provided on the upper surface of the counter. | 2009-12-31 |
| 20090327081 | System to Correlate Online Advertisement - This patent discloses a method to display an online advertisement to a user. The online advertisement may include an object ad profile, at least one user ad profile, and a users personal profile. The method may determine whether to display the online advertisement to the user by comparing at least one of (i) a personal profile of the user and an ad profile of the user to at least one of (ii) the object ad profile, the at least one user ad profile, and the users personal profile. | 2009-12-31 |
| 20090327082 | METHOD AND SYSTEM FOR PROVIDING A VOICE E-MAIL MESSAGING SERVICE - A method of transmitting a multimedia file over a network includes receiving, from a user, a user contact and a recipient address which can be received though at least one of a SMS message, an e-mail message, an Internet form or an HTTP protocol message. The user inputs the information and transmits it to the system. Once the information is received, the system contacts the user at the user contact and the user is prompted to record a message. The message is recorded as a multimedia file and, once recorded, the system transmits the multimedia file to the recipient address. The system can send an e-mail to the recipient address attaching the multimedia file, provide a link to download or stream the multimedia file, provide a callback telephone number to play the multimedia file over a telephone, and send the multimedia file to a cellular telephone as a message. | 2009-12-31 |
| 20090327083 | AUTOMATING ON-LINE ADVERTISEMENT PLACEMENT OPTIMIZATION - A method and system for generating a price landscape for an advertiser for bids placed by the advertiser for advertisement space is provided. A price landscape system generates a price landscape based on information provided by an advertisement placement service that may include overall price estimation data and advertiser-specific performance data. The price landscape system generates price landscape data for an advertiser that combines the overall price estimation data and the advertiser-specific performance data to provide a more accurate assessment of the advertiser's expected performance than can be determined from the overall price estimation data or the advertiser-specific performance data alone. | 2009-12-31 |
| 20090327084 | GRAPHICAL CERTIFICATIONS OF ONLINE ADVERTISEMENTS INTENDED TO IMPACT CLICK-THROUGH RATES - Embodiments are directed towards improving a user's experience and confidence in advertisements shown within web pages or other online media, in part, by providing additional information for a given advertisement to be displayed along with the given advertisement to encourage, or discourage, a user to click on or interact with the advertisement. Such information to be displayed about a given advertisement may include, without limitation, information about the advertisement, such as its security status (e.g. it has been found to be free from malware), information about the advertiser, including if the advertiser is determined to be trusted based on some criteria, customer satisfaction information, information about the goods and/or services being advertised, including, for example, if how they compare to a competitor, and information about the destination Web page or Web site that the advertisement leads to when a user clicks it. | 2009-12-31 |
| 20090327085 | INFORMATION PROCESSING SYSTEM, VALIDATION METHOD, INFORMATION PROCESSING DEVICE, AND PROGRAM - An information processing system includes: a terminal device including a purchase information generating unit generating purchase information for relating a user who purchased a product to the purchased product, the purchase information identified by a predetermined identifier, a verification means generating unit generating verification means verifying correctness of the identifier, and a communication unit sending a purchase verification including the verification means and the identifier verified by the verification means to a terminal of the user; and an information processing device including a communication unit receiving word-of-mouth information entered by a user and a purchase verification when the word-of-mouth information involves it, a validation unit validating correctness of the identifier contained in the received purchase verification using the verification means, and a data holding unit holding purchaser word-of-mouth information having the identifier with correctness verified by the validation unit and non-purchaser word-of-mouth information as the word-of-mouth information other than the purchaser word-of-mouth information. | 2009-12-31 |
| 20090327086 | Non-Optical Mobile Electronic Transaction System, Device and Method Therefor - Disclosed herein is a non-optical system, device and method for conducting electronic transactions utilizing a wireless communications device adapted to receive a transaction program and data. The device comprises memory storage for storing a transaction program, a microprocessor and a transponder chip. The microprocessor executes instructions contained within the transaction program to program a code segment on the transponder chip. The transponder chip transmits a signal representative of value upon detection of an activation signal. As disclosed herein, value is selected from the group consisting an identifier of a purchased good, an identifier of a purchased service, a coupon, a discount, a prepaid transaction, an electronic negotiable instrument, a sum from a credit account, and a sum from a debit account. The signal representative of value is readable by a seamier to complete a transaction. The scanner may be adapted to access a provider server for storing and retrieving user information. The scanner may be a peripheral or integrated device used to activate the transponder chip to transmit value(s), receive and translate value(s) in a non-optical method. | 2009-12-31 |
| 20090327087 | SYSTEMS, METHODS, AND DEVICES FOR SELLING TRANSACTION INSTRUMENTS VIA WEB-BASED TOOL - The present invention generally relates to a system and method for distributing a transaction instrument. The system includes the steps of: offering for sale, in a retail environment, the transaction instrument; selling a selected transaction instrument; communicating with the issuer of the transaction instrument via an internet accessible web site, and enabling the use of the transaction instrument. The transaction instrument may be, for example, an open pre-paid card. The distribution of the transaction instrument may also include the step of sending a message, through the web site, in substantially real time, causing the pre-paid transaction instrument to be funded but not activated until later through an interactive voice response system, for example. In another example, an associated transaction account may be funded and activated at the time of distribution. Furthermore, an issuer system may be suitably configured to leverage existing Travelers Cheque infrastructure for inventory and related processes. | 2009-12-31 |
| 20090327088 | System and Method for performing International Transactions - A transaction routing system that includes a communication gateway is provided. The communication gateway receives transaction data from at least one transaction terminal and determines whether to route the transaction data to an international host server or to a local host server. The decision is based on a capability of the communication gateway to route the transaction data to the international host server. | 2009-12-31 |
| 20090327089 | MOBILE COMMUNICATION TERMINAL AND METHOD FOR ELECTRONIC MONEY SETTLEMENT - There is provided a settlement system comprising a mobile communication terminal, a settlement input device configured to output data of a charge, and a settlement device able to transfer money from a first account to a second account. The settlement input device comprises a first transmission unit configured to transmit the data of the charge to the mobile communication terminal, and a second transmission unit configured to transmit the data of the charge, identification data of the mobile communication terminal, and identification data of the settlement input device to the settlement device. The settlement device comprises a control unit configured to transfer an amount of money determined by the data of the charge from the first account to the second account, and a transmission unit configured to transmit the data of the amount of the transferred money to the mobile communication terminal. The mobile communication terminal comprises a first reception unit configured to receive the data of the charge from the settlement input device, a second reception unit configured to receive the data of the amount of the transferred money from the settlement device, and a display. | 2009-12-31 |
| 20090327090 | APPLICATION HIERARCHY AND STATE MANIPULATION - An instance of an application hierarchy can be stored on a client computer to facilitate enforcement of software licensing by a software license component of a software protection system. The application hierarchy is a tree structure (e.g., unordered) that includes a top node, one or more product offering group(s), and, one or more selling unit(s). | 2009-12-31 |
| 20090327091 | LICENSE MANAGEMENT FOR SOFTWARE PRODUCTS - Technologies are described herein for software product license management. Following a click to run paradigm, manual user entry of product keys and manual user involvement in product activation may be avoided. A software product key can be associated with a user ID. The product key and associated user ID can be stored on a remote application server. The product key can be retrieved from the application server using the user ID or related user credentials. An application retrieving its own product key from the application server can be supported. The user-centric approach to product key management can be useful for software license models based on subscriptions, trial software, virtual software, downloadable software, or purely web based solutions as well as traditional software license purchases. The software product can also be autonomously activated. This activation can occur as a background operation within the application client portion of the software. | 2009-12-31 |
| 20090327092 | METHODS AND APPARATUS FOR ELECTRONIC COMMERCE USING AGGREGATED CONSUMER INTEREST - The present subject matter includes a method for processing product selections by a plurality of consumers operating one or more web browsers, comprising collecting electronic information, including product identifying information, about the product selections by each consumer of the plurality of consumers, the product selections selected by the plurality of consumers from offerings at a plurality of disparate websites, associating information related to a consumer identified with a particular product selection with the product identifying information, associating the product identifying information with a Universal Product Code (UPC) for the product selections, aggregating the electronic information in a database, the information categorized by each consumer and UPC code, processing counts of selections by the plurality of consumers organized at least by UPC code, requesting product fulfillment bids from one or more suppliers using the counts and obtaining one or more product fulfillment bids from the one or more suppliers. Other examples provide a method for processing service selections by a plurality of consumers operating one or more web browsers. | 2009-12-31 |
| 20090327093 | SATISFYING RULES THROUGH A CONFIGURATION OF LIST PROCESSING METHODS - A method and system for satisfying rules through a configuration of list processing methods. A document received from a calling application includes items being processed. A procedure for satisfying rules is identified by matching, via a database, a combination of values to the procedure. The combination of values includes attributes of the calling application and the document. Steps included in the procedure are determined by matching, via the database, the procedure to the steps. The order for executing the steps is determined by identifying, via the database, predecessor and successor steps. Sets of one or more list processing methods are determined and associated with each step. The order for executing each set of list processing methods is determined. The steps are executed. A selection list of elements is displayed to facilitate a selection of an element to characterize an item included in the document. | 2009-12-31 |
| 20090327094 | PLATFORM INDEPENDENT ECOSYSTEM FOR CREATION, CONSUMPTION AND TRADE OF USER-GENERATED DIGITAL CONTENT - A platform (e.g. game console) and application (e.g. game title) independent ecosystem for the creation, consumption and trade of user generated digital content permits any application operating on any platform to participate in a market driven economy for user generated digital objects (UGDOs). The trading system is independent of (i.e. external to) all participating applications. A metadata attribution method for UGDOs in combination with heterogeneous application support through well-defined interfaces facilitates unlimited participation. Attributed metadata may be understood and consumed across platforms and applications. Flexible UGDO rights enforcement techniques in combination with a flexible fair exchange service for those rights support all manner of UGDOs and commercial transactions therefore. Participating application may provide rights enforcement in some instances. The nature of enforcement may rest on the nature of UGDO content, rights in UGDOs or author preferences. The trading system assures that all transactions in the UGDO economy are secure, fault tolerant and atomic, providing integrity and confidence in the UGDO economy. | 2009-12-31 |
| 20090327095 | System and method for conducting transactions without return policies - A transaction system includes an item database that stores one or more items as logical groupings of digital contents and their associated prices; and a user database operable to store information associated with one or more users. The transaction system also includes a transaction engine that receives purchase fund equal to the price of an identified item from a buyer for purchasing the item. The transaction engine then receives numeric rating from the buyer within a rating period after the purchase, or applies a default rating when the rating period expires and the rating has not been received. After the rating is decided, the transaction engine pays the seller a portion, all or none included and proportional to the rating, of the purchase fund minus any fee. The transaction engine distributes the residual fund to one or more third parties to complete the transaction. | 2009-12-31 |
| 20090327096 | Method and system for conducting an auction - A method, system, server processing system and/or computer program product of conducting an auction having an online bidder and a site bidder, wherein a server processing system is in communication with a client processing system of the online bidder. The method includes: allowing the online bidder and/or site bidder to submit one or more bids prior to a first event, wherein a bid by a online bidder received by the server processing system is considered for acceptance prior to the first event; and in response to the first event: restricting, in the server processing system, a bid being accepted from the online bidder in the auction; and allowing a bid to be submitted by the site bidder in the auction. | 2009-12-31 |
| 20090327097 | METHOD AND SYSTEM FOR CONDUCTING AN AUCTION OVER A NETWORK - A method and system for conducting an online auction of an item, e.g., real property such as a house, commercial real estate, a vacant lot, etc., are provided. The system and method provides for listing a property of interest for sale via an auction web site. Bidders will buy individual bids to place at least one bid amount on the listed property in an attempt to buy the property far below the fair market value of the property, i.e., the cost of the bid plus the amount of the bid. Once the auction period is closed, the property will be awarded to the bidder with the lowest unique bid. The revenue or proceeds generated from the purchase price of each bid will be used to purchase the property from the seller, provide a fee to the auction web site and provide a fee to the proper government entity. | 2009-12-31 |
| 20090327098 | ENHANCEMENTS FOR DOMAIN NAME LEASING MARKETPLACE - The present invention creates an electronic marketplace where owners of Internet domain names can have multiple parties compete for the right to lease their domain names. A marketplace provider supplies a technology for redirecting Internet traffic from leased domain names to domain names specified by parties that win the right to lease domain names. | 2009-12-31 |
| 20090327099 | ESCROW PAYMENT TO FACILIATE ON-LINE TRANSACTIONS - A system and method enables sellers to define a secret shared with an on-line payment provider when listing an item or service for purchase. Consumers deposit funds into an on-line escrow or holding account before committing to a financial on-line transaction or purchase. Once an item is located, the consumer may contact the seller for additional information. By placing funds in escrow, the seller may be more willing to spend the time and effort to deal with the consumer. The consumer, in turn, receives more information to make a purchasing decision. If the transaction is to he completed, the consumer instructs the payment provider maintaining the escrow account to release the funds to the seller's account. The seller is notified by the payment provider, where the notification includes the secret. This enables the seller to authenticate the confirmation message. | 2009-12-31 |
| 20090327100 | Method of Internet Video Access and Management - A system and apparatus for enabling the end user to schedule the display of online videos and dynamically displaying online videos according to a user preference. The system provides an editorially-selected guide to online videos in which videos from existing online video providers are gathered under a single portal and thereby provides the end user a directory through which the user can view recommended videos as presented by the system, or personalize the selections into a dynamically-generated subset of videos. The system also provides a seamless playlist of multiple videos from various websites, and allows the user to manage and re-sequence this playlist. | 2009-12-31 |
| 20090327101 | SYSTEM AND METHOD FOR CREATING AND MAINTAINING A WEB SITE - A system and method for a web-based services architecture providing integrated modular building blocks for creating and maintaining a web site and related transaction processing to support electronic commerce and the sales of products and services using the web site. The transaction processing may include the handling of transactions and communications related to product and service sales and fulfillment involving customers, merchants and the web site owner. The services architecture may combine software front-end, back-end, and marketing tools to assist business owners to create or expand an Internet-based business. The services architecture also may provide a warehouse of predefined products that may be integrated into a merchant's existing online inventory. | 2009-12-31 |
| 20090327102 | SYSTEM AND METHOD FOR PROVIDING REAL TIME ASSET VISIBILITY - A method and system for providing real time asset visibility for a plurality of assets and for providing a set of applications based on real time asset visibility, in particular, for the health care facility. The method includes the steps of collecting tag data from a plurality of active readers, identifying a particular asset coupled to the tag data and identifying the zone where the particular asset is located using an algorithm; and associating an asset state information, tag data, zone information, and other device information in the same environment of the asset for providing real time asset visibility. The invention activates an alerts frame work and sends action messages to the respective departments in the health care facility and also supports a set of applications including searching for availability of assets and location, data mining applications, dashboard applications, handheld applications, mapping applications, and reporting services. | 2009-12-31 |
| 20090327103 | METHODS AND SYSTEMS OF MAINTAINING AN INVENTORY LEVEL IN A PRODUCTION ENVIRONMENT - A method of maintaining an inventory level of a consumable in a production environment may include monitoring an inventory position associated with a consumable in a production environment, and, based on the monitoring, identifying a plurality of window sets. Each window set may include a plurality of windows, and each window may include a portion of a historic demand distribution associated with the consumable and corresponds to a total inventory management cost. The method may also include selecting, from the plurality of window sets, the window set having the window corresponding to a lowest total inventory management cost. A lower inventory threshold level for the consumable and an upper inventory threshold level for the consumable may be automatically determined. An amount of the consumable may be ordered if the monitored inventory position is less than the lower inventory threshold level. | 2009-12-31 |
| 20090327104 | SYSTEM FOR TRACKING AND PROVIDING VISIBILITY OF ORIGIN OF FOOD ELEMENTS - A method and apparatus which facilitates the application of GPS or other location-specific information directly to discrete units of food products. In one embodiment, a tractor pulls a harvesting apparatus which facilitates not only the harvesting and packaging of discrete food product units but also the application of location-specific time-stamped data directly onto the food product units or their packaging. Food product units planted in substantially parallel rows are cut from the ground by cutter personnel walking behind the moving apparatus, whereupon the cutters pass the food product to a cut product station atop the harvesting apparatus. The food product units are picked and packed by packer personnel situated atop the harvesting apparatus; during this step indicia is applied to the packaging (or the food product) which provides the association of GPS or other location-specific information with the discrete units of food products. | 2009-12-31 |
| 20090327105 | Managing Consistent Interfaces for Business Objects Across Heterogeneous Systems - A business object model, which reflects data that is used during a given business transaction, is utilized to generate interfaces. This business object model facilitates commercial transactions by providing consistent interfaces that are suitable for use across industries, across businesses, and across different departments within a business during a business transaction. In some operations, software creates, updates, or otherwise processes information related to a freight order, a maintenance plan, a maintenance task list, a request for supplier freight quote, and/or a supplier freight quote business object. | 2009-12-31 |
| 20090327106 | MANAGING CONSISTENT INTERFACES FOR FINANCIAL INSTRUMENT BUSINESS OBJECTS ACROSS HETEROGENEOUS SYSTEMS - A business object model, which reflects data that is used during a given business transaction, is utilized to generate interfaces. This business object model facilitates commercial transactions by providing consistent interfaces that are suitable for use across industries, across businesses, and across different departments within a business during a business transaction. In some operations, software creates, updates, or otherwise processes information related to a financial instrument position accounting period total analytical result, a financial instrument position accounting valuation analytical result, a financial instrument position accrual analytical result, a financial instrument position fair value analytical result, and/or a financial instrument position period average volume analytical result business object. | 2009-12-31 |
| 20090327107 | CONSUMER SPENDING THRESHOLD EVALUATION - A method comprising receiving, by a server computer, an authorization request for a transaction conducted with a payment token from a merchant via an open payment processing network. The payment token associated with an account having a no preset spending limit. The method also determines, by the server computer, an exposure limit of the account in real-time based on information obtained by the open payment processing network. The method also determines, by the server computer, whether or not to authorize the transaction based on the determined exposure limit. | 2009-12-31 |
| 20090327108 | System and method for online bill payment - The present invention provides an accounting software application and related system and method for generating and presenting unfileable tax documents to clients for review and upon approval and payment converting the unfileable tax document into a final, fileable document for filing with a tax entity by either the service provider or the client. Watermarks, obscuring text, and other techniques may be employed to render draft tax documents unfileable so as to promote payment of services when presenting work product, such as tax returns, electronically to clients and confirming payment by the client prior to presenting or making accessible a fileable version of the document. | 2009-12-31 |
| 20090327109 | SYSTEM AND METHOD FOR CHARGING TRADING COMMISSIONS FOR BROKERAGE ACCOUNTS BASED ON PRINCIPAL OF TRADES - Systems and methods for determining a brokerage commission owed by a client of a brokerage firm based on the principal volume (“PV”) of the client's eligible transactions over a time period. The system may comprise: (i) a database storing information about the client's transactions; and (ii) one or more processors in communication with the database. The processor(s) is programmed to determine the client's brokerage commission by: (i) calculating the cumulative PV of transactions made by the client through the brokerage firm over a time period; and (ii) calculating the commission for a billing time period based on the calculated cumulative PV. The applicable commission may be determined based on a tiered marginal commission rate schedule. | 2009-12-31 |
| 20090327110 | METHOD AND SYSTEM FOR MANAGING ELECTRONIC BILLS - A method and system for managing electronic bills in an electronic device are provided. The method includes defining keywords of a short message; receiving the short message on the electronic device; determining whether the short message relates to the electronic bill; and extracting transaction data of the short message and generating a transaction record accordingly in response to a determination of the electronic bill. | 2009-12-31 |
| 20090327111 | BILL PAYMENT IN ASSOCIATION WITH TELEVISION SERVICE PROVIDERS SYSTEMS AND METHODS - Systems, methods, and devices for a television-based bill payment system are disclosed. The methods and systems include a television system that is configured to receive and transmit user-specific information and to display a user interface. The methods and systems also include a television provider network that is operated by a television service provider, configured to transmit and receive user-specific information with the television system and the television service provider network is configured to communicate with a bill payment provider. The methods and systems include a bill payment provider that communicates with the various billers. The bill payment provider is configured to communicate with the user through the televisions service provider network, and the bill payment provider is configured to bill a funding source selected by the user from the one or more funding sources. | 2009-12-31 |
| 20090327112 | METHOD, DEVICE AND CONTROL SYSTEM FOR ONLINE CHARGING ON ROAMING - A method, device and control system for online charging on roaming are provided. The method includes: receiving a roaming online charging request from a visited gateway; determining a subsequent roaming charging policy according to the roaming online charging request combined with a charging control policy; and processing charging according to the determined roaming charging policy. The provided method, device, and control system may extend the online charging scheme for roaming subscribers. | 2009-12-31 |
| 20090327113 | METHOD AND SYSTEM FOR DETAILED ACCOUNTING OF PACKET DATA - A method and apparatus for detailed accounting of packet data are disclosed. According to one embodiment of the present invention, on receiving a duplicated HTTP request from a packet duplication apparatus, a billing apparatus extracts an access address to generate a first hash value. Then, on receiving a converted HTTP response from the packet duplication apparatus, the billing apparatus extracts a second hash value from the duplicated HTTP response to compare with the first hash value. If the first hash value and the second hash value are the same, the billing apparatus sets the HTTP REQUEST and the converted HTTP response as a transaction to generate billing data. Thus, the billing apparatus can generate accurate billing data. | 2009-12-31 |
| 20090327114 | Systems and Methods For Secure Pin-Based Transactions Via a Host Based Pin Pad - A method and system for securely verifying over an open network a transaction using a payment card requiring authorization, such as a PIN, to be used. The system utilizes a secure host system to establish two lines of communication between a merchant and a consumer device used by an individual using the payment card. The secure host system provides a verification interface that is presented to the consumer device, providing a means for the individual to provide verification information. The secure host system receives verification information from the consumer device, couples the verification information with card information supplied by a merchant for verification from a third party payment provider. The transaction service provider verifies the transaction without sending the cardholder's actual PIN over the open network. | 2009-12-31 |
| 20090327115 | FINANCIAL EVENT AND RELATIONSHIP EXTRACTION - For automated text processing, the inventors devised, among other things, an exemplary system that automatically extracts financial events from various unstructured text based sources, such as press releases and news articles. Extracted events, such as mergers & acquisitions, earnings guidance reports, and actual earnings announcements, are represented as structured data records which can be linked, searched, and displayed and used as a basis for controlling accessing to the source documents and other related financial documents for named entities. | 2009-12-31 |
| 20090327116 | Asynchronous Hypertext Messaging - An asynchronous hypertext messaging system and method are disclosed. The system and method use existing hypertext transfer protocols and is capable of transmitting real-time asynchronous data between server and client regardless of firewalls or proxy servers implemented at the client or the server. In a communication system comprising a client and server interconnected by an internet, initial authentication is performed initially between the server and the client. A secure log in is performed by the client with the server in conjunction with a possible java applet download. The communication server then initiates a multiplexed virtual connection between the server and the client and transmission of asynchronous real-time data can occur over the virtual connection. The virtual connection is periodically refreshed by a request issued from the java applet. | 2009-12-31 |
| 20090327117 | Apparatus and Method for Trade Aggregation of Trade Allocations and Settlements - A post-trade aggregation system includes an allocation middleware interface, which interacts with an order management system to allocate and settle trades. The order management system receives a trade order on behalf of a customer and either apportions the trade into a plurality of smaller orders and communicates them to a plurality of order destinations directly (e.g. via the FIX protocol), or sends large orders to an order staging and optimization interface which then apportions the larger orders into a plurality of smaller orders and communicates the orders to a plurality of order destinations. The post-trade aggregation system contains an allocation middleware interface which receives the individual trade executions from the plurality of order destination and compresses them into a single average-priced block. The allocation middleware interface then sends the single average-priced block to be cleared by a designated clearing agent and allocates the single average-priced block into one or more custodian accounts. In further aspects, a method and apparatus are also provided. | 2009-12-31 |
| 20090327118 | METHODS AND APPARATUS FOR ELECTRONIC COMMERCE USING AGGREGATED CONSUMER INTEREST - This present subject matter includes a method for processing product selections by a plurality of consumers operating one or more web browsers, comprising collecting electronic information, including product identifying information, about the product selections by each consumer of the plurality of consumers, the product selections selected by the plurality of consumers from offerings at a plurality of disparate websites, associating information related to a consumer identified with a particular product selection with the product identifying information, associating the product identifying information with a Universal Product Code (UPC) for the product selections, aggregating the electronic information in a database, the information categorized by each consumer and UPC code, processing counts of selections by the plurality of consumers organized at least by UPC code, requesting product fulfillment bids from one or more suppliers using the counts and obtaining one or more product fulfillment bids from the one or more suppliers. Other examples provide a method for processing service selections by a plurality of consumers operating one or more web browsers. | 2009-12-31 |
| 20090327119 | MANAGING OUTLYING TRADING ORDERS - A determination is made as to whether a trading order that has been placed on a trading exchange is an outlying trading order. If it is determined that the trading order is an outlying trading order, a restrictive action is taken regarding the outlying trading order, and/or a restrictive action is taken regarding a subsequent trading order that may trade with the outlying trading order. | 2009-12-31 |
| 20090327120 | Tagged Credit Profile System for Credit Applicants - Embodiments of user profile tagging process for an online credit application system are described. The process stores keywords represented as tags relating to various characteristics of the user. These characteristics can include objective information regarding the user, and subjective information, such as user preferences, background, affiliations, behavior patterns, and so on. A query function allows a querying user to input query tags to determine an aggregate or mean credit score for users who have certain characteristics. In response to a user query, the system identifies all other users that match the query tags entered by the querying user. The system calculates the aggregate credit score for these other users and displays this aggregate score relative to the credit score of the querying user. | 2009-12-31 |
| 20090327121 | MONETARY GIFT REGISTRY METHODS AND SYSTEMS - A method of operating a monetary gift registry includes registering one or more recipients with the monetary gift registry and creating an account for each registered recipient. Each account has a unique account identifier. Transfers of monetary value are received from one or more senders, each transfer of value accompanied by the unique identifier of one of the accounts. The deposits are accumulated into the respective accounts based at least in part on unique identifiers, and funds from at least one account are distributed. Funds may be distributed to at least one registered recipient for whom an account was created, or to a third-party merchant. At least one transfer of monetary value or distribution of funds is capable of being performed through a consumer-oriented money transfer network, or both | 2009-12-31 |
| 20090327122 | METHOD AND SYSTEM FOR FACILITATING CHARITABLE DONATIONS - Disclosed is a system and method for facilitating charitable donations. A first possible outcome of a game is associated with a first charity, online wagers against the first possible outcome are accepted and in response to the first possible outcome actually occurring, all, or a portion, of the wagered sums are electronically credited to an account associated with the first charity. | 2009-12-31 |
| 20090327123 | METHOD FOR MINIMIZING OVERDRAFT CHARGE-OFF - A method for minimizing overdraft charge-off in a bank account includes:
| 2009-12-31 |
| 20090327124 | Altering Card-Issuer Interchange Categories - This document describes tools capable of determining ways in which to alter interchange categories assigned to credit-card transactions. In some embodiments, the tools receive parameters for interchange categories and transaction information for merchants that have been charged interchange fees based on some of these categories. The tools may determine, based on these parameters and transaction information, how parameters may be changed to enable similar credit-card transactions to be assigned a lower-cost interchange category and the accompanying potential fee savings. | 2009-12-31 |
| 20090327125 | ENHANCED MEDIA SUBSCRIPTION - The described implementations relate to enhanced media subscription services. One technique provides digital rights restricted media to a consumer for a period. At the end of the period, based at least in part on consumer use, the technique removes the digital rights restrictions from some of the media and deletes other of the media. | 2009-12-31 |
| 20090327126 | Method and system to process payment - Provided is a method and system for payment processing, including emailing a billing statement including an online payment hyperlink to a payer by a biller. The online payment hyperlink includes a payer personalized URL and a token uniquely identifying the payer. The online payment hyperlink is selected by the payer, who is then presented with the biller's online payment form, including pre-populated data fields. The biller's online payment form is reviewed, completed and corrected by the payer, and sent to a secure payment form server. | 2009-12-31 |
| 20090327127 | METHOD AND APPARATUS FOR MAPPING SOURCES AND USES OF CONSUMER FUNDS - A bill-paying system includes a customer deposit account which receives periodic payroll deposits of an individual or a couple. A bill-paying service enrolls the individual or couple for a fee, and is authorized to transfer money from the deposit account to the accounts of various creditors. An originating depository financial institution, such as a bank, handles the transfers of money, and such transfers are preferably done electronically. The automated clearing house (ACH) network supports such electronic money transfers. The various bills and debts of the individual or couple come due at times that are asynchronous to their income structure. The bill-paying service is authorized to debit the deposit account for more than the basic minimums due the creditors each month. Such excess is used to accelerate the repayment of various loans and debts according to what particular application at that time will have the greatest long-term beneficial effect. | 2009-12-31 |
| 20090327128 | SYSTEM AND METHOD FOR MANAGING ALLOCATION OF FUNDS BETWEEN A PLURALITY OF ENTITIES - Embodiments of the present invention provide a system and method for managing allocation of funds between a plurality of entities. In example embodiments, details of a remuneration to the plurality of entities are received. The remuneration relates to at least one transaction. Funds associated with the remuneration are allocated among the plurality of entities to be remunerated based on at least a portion the details of the remuneration. | 2009-12-31 |
| 20090327129 | SOCIAL NETWORK ENABLED GROUP GIFT CARD - A system and method that allows for a group of individuals to easily contribute to the same gift card is disclosed. The gift card can be a traditional physical card or an electronic card. In one embodiment, an account administrator establishes a group enabled gift card account for self-consumption or for a specified gift recipient. The administrator engages potential group gift card contributors through various electronic communication mechanisms who can then add funds to the account. The contribution period may remain open based on criteria supplied by the administrator. Once the account is closed, the collected amount is transferred to a designated gift card and sent to the recipient. | 2009-12-31 |
| 20090327130 | SECURE AND PORTABLE PAYMENT SYSTEM - Payment systems are provided that utilize a portable device, and in particular, payment systems that utilize a first portable device that belongs to a seller and a second portable device that belongs to a buyer, but do not utilize a point of sale (POS) device. | 2009-12-31 |
| 20090327131 | DYNAMIC ACCOUNT AUTHENTICATION USING A MOBILE DEVICE - Providing dynamic authentication of a user requesting access to a system via a mobile device is disclosed. An account holder tailors a set of customized security challenges and responses. When a request for account authentication is received from a mobile device, the system conducts a multi-step user authentication process that includes dynamically selecting and prompting the user with the custom security challenges. | 2009-12-31 |
| 20090327132 | INCREMENTAL FACTORIZATION-BASED SMOOTHING OF SPARSE MULTI-DIMENSIONAL RISK TABLES - A system for classifying a transaction as fraudulent includes a training component and a scoring component. The training component acts on historical data and also includes a multi-dimensional risk table component comprising one or more multidimensional risk tables each of which approximates an initial risk value for a substantially empty cell in a risk table based upon risk values in cells related to the substantially empty cell. The scoring component produces a score, based in part, on the risk tables associated with groupings of variables having values determined by the training component. The scoring component includes a statistical model that produces an output and wherein the transaction is classified as fraudulent when the output is above a selected threshold value. | 2009-12-31 |
| 20090327133 | SECURE MECHANISM AND SYSTEM FOR PROCESSING FINANCIAL TRANSACTIONS - A system for secure processing payment transactions between merchants and customers, via financial institutions, the system comprising apparatus for generating global transaction identifiers each of which is recognized by the merchants as a transaction ID and by the financial institutions as a fundable entity, and methods useful in conjunction therewith. | 2009-12-31 |
| 20090327134 | SYSTEMS AND METHODS FOR GEOGRAPHIC LOCATION NOTIFICATIONS OF PAYMENT TRANSACTIONS - A method and system for providing geographic location notifications of payment transactions is disclosed. One embodiment of the invention is directed to a method including receiving an authorization request message associated with a transaction, the transaction associated with a portable consumer device and an access device at a merchant. A geographic location of the transaction is determined. It is determined whether a notification message indicating that the transaction is occurring is required. Upon determining that the notification message is required, the notification message is sent to a notification device operated by a consumer and the notification device receives the notification message substantially simultaneously with the merchant's receipt of an authorization response message. A graphical depiction of the notification message is displayed on a map on the notification device. | 2009-12-31 |
| 20090327135 | CREDIT CARD PAIRED WITH LOCATION IDENTIFIABLE DEVICE FOR POINT OF SERVICE FRAUD DETECTION - A method and apparatus for identifying attempted fraud using a consumer account in real time, the method comprising the steps of determining when a consumer account is used to attempt to obtain a resource from a resource provider, determining whether a consumer apparatus that is associated with the consumer account is located at a location associated with the resource provider and indicating that the resource provider should provide the resource when the consumer apparatus is at a location associated with the resource provider. | 2009-12-31 |
| 20090327136 | METHOD FOR A UNIQUE CERTIFICATION PROCESS FOR THE DELIVERY OF GOODS - A method for a secure delivery of physical goods, involving associating a good unique identifier (GUID) to a package comprising the physical goods requested by a client, obtaining proof of identity parameters from a client associated with the transaction involving the physical goods before the delivery of the physical goods, where the proof of identity parameters are provided to the client by a trusted authority, computing a function using the proof of identity parameters, the GUID, and a certification key, wherein the certification key is computed by the trusted authority, delivering the physical goods to the client, when the result of the function is positive, certifying the delivery when delivery data obtained during the delivery of the physical goods match the proof of identity parameters, the GUID, and the certification key known to the trusted authority. | 2009-12-31 |
| 20090327137 | Method and apparatus for establishing usage rights for digital content to be created in the future - A method for creating a digital work having content and usage rights related to the content, the digital work being adapted to be used within a system having repositories for controlling use of content, the method including issuing a license to a consumer, the license permitting the consumer to access the content of the digital work to be created in the future. The issuing step further includes determining the usage rights that can be included in the license, the usage rights specifying a type of use of the content that is enforceable by a repository; electronically generating a license based on the usage rights; and creating the digital work as the content is being created or after the content is created, wherein the step of creating the digital work includes securing the content before the digital work is distributed to the consumer. | 2009-12-31 |
| 20090327138 | Securing Online Transactions - Disclosed herein is a method and system that addresses the need of securing an online transaction of a consumer. The user is provided with a client application on a mobile device. The user registers the mobile device on a transaction server. The user inputs transaction details for the online transaction on a web portal hosted on the transaction server. The transaction server creates a challenge to the user on a confirmation page to confirm the online transaction. The challenge comprises a challenge code and a transaction confirmation image. The graphical image and the transaction details are computationally inseparable in real time. The user conveys the challenge to the mobile device by inputting the challenge code in the client application. The client application generates a response for the challenge. The user then inputs the response on the confirmation page. The transaction server validates the response and authorizes the online transaction. | 2009-12-31 |
| 20090327139 | Loosely coupled hosted application system - Technologies are described herein for loosely coupling a hosted application system with other computing systems that provide related functionality. A hosted application system is provided in one embodiment that is loosely coupled to a marketing system, a sign-up system, a billing system, and a support system. The loose coupling of the systems allows the hosted application system to be easily configured to restrict the software to which a particular customer can subscribe based upon the capacity of the hosted application system, the qualifications of a customer, or other factors. The computing systems may be configured to communicate via idempotent network APIs, thereby permitting multiple retries to ensure successful completion of requests. | 2009-12-31 |
| 20090327140 | System and Method for Secure Online Transaction - Methods and systems for secure electronic commerce (eCommerce) transactions having one or more trusted payment hosts where consumers/buyers can register credit card information and/or any payment card information and the corresponding secret keys for the credit card or payment card with the one or more payment hosts are provided. Embodiments of the invention include a method of engaging a purchase order in an online electronic transaction on the spot, where a seller posts and advertises at least one online electronic link embedded in a web-page or in an e-mail provided by a server. | 2009-12-31 |
| 20090327141 | HIGHLY EFFICIENT SECRECY-PRESERVING PROOFS OF CORRECTNESS OF COMPUTATION - Presented are methods and systems for highly efficient proofs of correctness of computations that preserve secrecy of the input values and calculations. One embodiment includes a method for verifiably determining at least one output for a secrecy preserving computations where the method includes acts of calculating an output from submitted inputs according to an announced calculation, translating a value in the calculation into two components that are a randomized representation of that value, publishing commitments to the at least two components, revealing a portion of the randomized representation in response to a verification request, and enabling verification of the calculation of the output using the revealed portion of the randomized representation. According to one aspect of the secrecy preserving verification the numbers involved in the secrecy preserving calculation are represented by a randomly constructed representing pair. In another aspect, revealing one member of the pair allows for verification without compromising secrecy. In one embodiment, arrangement of the translation process ensures that in the verification only truly independently random numbers, or operations on them, are revealed and checked. | 2009-12-31 |
| 20090327142 | Fair Payment Protocol with Semi-Trusted Third Party - Described is an optimistic fair payment protocol in electronic commerce that provides fair payment while resisting an unconscious double spending attack and other attacks. A buyer receives encrypted e-goods from a merchant, and sends payment to the merchant. If decryption information is not received in exchange for the payment, or the decryption information does not render the e-goods useable, the buyer launches a dispute with a third party dispute resolution service. If the decryption information is received and renders the e-goods useable, the buyer determines whether the e-goods are valid, according to a corresponding description. If not valid, the buyer launches a dispute and provides the e-goods and the description. The third party uses the description to evaluate the validity of the goods to determine whether to refund the payment to the buyer or release it to the merchant. | 2009-12-31 |
| 20090327143 | Method and apparatus to send cash to any person in the world - A method to send a monetary value corresponding to the value of a US dollar bill feed to a device operated by the person that want to send a cash to a friend or relative. In one embodiment of the invention, the person that wants to send monetary value to another person just places a phone call on the device described on this invention and during the conversation feeds one bill to the device which could be returned back if in few seconds there is no verification that a corresponding monetary value has been received by the other person, similarly additional bills could be fed to the device. To gain trust, the device could show the pictures of the recipient, sound bites and other information such as name, address, and account balance to mention some examples. | 2009-12-31 |
| 20090327144 | SYSTEM FOR EXECUTING REMOTE ELECTRONIC NOTARIZATION AND SIGNATORY VERIFICATION AND AUTHENTICATION - A system for remote electronic verification and authentication and screening of potential signatories for remote electronic notary transactions via remote pc encrypted platform to a broadband digitally or WIFI cellular/PDA device or portable pc device. The system implements the following electronic components, but not limited to, electronic signature device, digital certificates, electronic document, electronic biometric devices, electronic audio/visual software/hardware, and electronic payment systems and devices, all electronically synchronized to afford capable notary publics in executing remote electronic notary transactions via a satellite kiosk network or on-line virtual kiosk application. | 2009-12-31 |
| 20090327145 | Payment System and Method - A card terminal having means for entering transaction value information indicative of a first amount, means for entering data indicative of an additional amount, means for storing the transaction value information and the data indicative of the additional amount, and means for creating a message for electronic transmission, the message including data indicative of the first amount in association with data indicative of a first recipient, and data indicative of the additional amount in association with data indicative of a second recipient. | 2009-12-31 |
| 20090327146 | MANY-TO-MANY CORRESPONDENCE: METHODS AND SYSTEMS FOR REPLACING INTERBANK FUNDS TRANSFERS - By establishing a correspondence account in each Financial Service Provider (FSP) of a group of FSPs and a secure inter-FSP messaging mechanism, transfers of funds entirely within member FSPs (FSP | 2009-12-31 |
| 20090327147 | SYSTEM AND METHOD OF STRATEGIC COALITION BUILDING AND MATCHING FOR BUSINESS SERVICES - A computerized method (and apparatus) for coalition formation. One or more coalitional and/or service constraints are received and a feedback mechanism is provided for the coalition formation, as based on the coalitional and/or service constraints. | 2009-12-31 |
| 20090327148 | MECHANISMS AND ARCHITECTURE FOR MOBILE OPPORTUNISTIC COMMERCE - The claimed matter provides systems and/or methods that enable sellers and buyers to take mutual advantage of the relationship of the location of seller outlets to routes that mobile buyers take to other destinations. The system can include devices that identify sellers capable of fulfilling a buyer's product or service requirements, generate value functions for the seller based on bidding functions acquired from the seller and related to the product or service requirements of the buyer, compare the value functions associated with multiple sellers to identify a successful seller, and notify the buyer of the location of the successful seller by modifying a route to a pre-established destination to include directions to the successful seller. | 2009-12-31 |
| 20090327149 | Facilitating compensation Arrangements for Data Brokering - Systems and methods for data brokering, and more specifically, data brokering regarding a data provider's search-related activities, are described. In particular implementations, various aspects of facilitating a compensation arrangement between a data provider and a data consumer regarding one or more data-provider-related search activities are described. | 2009-12-31 |
| 20090327150 | Facilitating compensation arrangements providing for data tracking components - Systems and methods for data brokering, and more specifically, data brokering regarding a data provider's search-related activities are described. In particular implementations, various aspects of arranging for compensation to be received from the data consumer in exchange for at least one of installation of or access of a data tracking component related to at least one user interface associated with the data provider, are described. | 2009-12-31 |
| 20090327151 | SYSTEMS AND METHODS FOR VISUAL REPRESENTATION OF OFFERS - A method and system for providing geographic location notifications for targeted offers is disclosed. One embodiment of the invention is directed to a method including monitoring for an event to trigger a targeted offer. Upon detection of the event, the offer is generated. The offer is targeted to a consumer and is generated using payment data generated in response to transactions conducted by the consumer with a plurality of different merchants. A geographic location for redeeming the offer is determined. A notification message is generated about the offer. The notification message includes the offer and the geographic location for redeeming the offer. The notification message is sent to a notification device which is operated by the consumer. A graphical depiction of the offer is displayed on a map on the notification device. | 2009-12-31 |
| 20090327152 | PORTFOLIO MANAGEMENT TOOL - A method and apparatus for determining a personal rate of return over a plurality of time frames for a financial product included by an investor in a portfolio comprising the steps:
| 2009-12-31 |
| 20090327153 | Symbolic Language For Trade Matching - A symbolic modeling language for trade matching provides techniques to describe the specialized operations of a match engine in a form that can be understood by business analysts and readily translated into program code and test cases by developers and testers. Associated techniques for calculating implied markets and testing can expedite match engine development, testing and maintenance. | 2009-12-31 |
| 20090327154 | SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR MONITORING COLLATERALIZATION OF PUBLIC-DEPOSIT ACCOUNTS - The present invention provides systems, methods, and computer program products for monitoring collateral positions of public-deposit accounts so as to efficiently pledge collateral to under-collateralized positions and release collateral from over-collateralized positions. For example, when a customer deposits additional funds, which results in an uninsured balance that exceeds the allocated collateral, the present invention may identify that account as being under-collateralized, determine the pledge amount required to properly collateralize the account, and then create, submit and track a pledge request that corresponds to the required pledge amount. Likewise, when a customer withdraws funds from a public-deposit account, which results in an uninsured balance that is less than the allocated collateral, the present invention may identify that account as being over-collateralized, determine the appropriate release amount, and then create, submit and track a release request that corresponds to the determined release amount. | 2009-12-31 |
| 20090327155 | Method and System for Evaluating Target Date Funds - The invention generally concerns systems, methods, and apparatus wherein a computer may receive information concerning a group of target date funds from a database. Information about the target date funds may comprise information about the glide path and the target retirement date of that fund. A diversification level of each of the target date funds may be determined from the received information. An equity ratio may also be determined for each of the target date funds using the received information. In some instances, the equity ratio may be based upon the amount of equity projected to be owned by the target date fund upon the target retirement date. After determining an equity ratio and a diversification level, a summary of the group of funds is output for review by a user. The summary may include a summary or graph of the diversification levels and equity ratios of the target date funds. | 2009-12-31 |
| 20090327156 | Method for analyzing investments using overlapping periods - A process for the analysis and selection of financial investments based on a comparative analysis of performance and diversification. Large data sets can be manipulated in a manner that is simple to understand and convenient to use. Historical performance data for investments can be analyzed in respect of every possible investment period using any pre-existing or personally defined quantitative measurement algorithm. The user can apply his or her personal weightings to the various performance measurements based on a combination of attribute and time period to construct a customized scoring process, based on which a comparative ranking of the investments can be created. Further, a complete universe of investments can be segmented into peer groups based on one of a number of similarity/dissimilarity criteria from which the user may choose. | 2009-12-31 |
| 20090327157 | Method for analyzing investments using overlapping periods - A process for the analysis and selection of financial investments based on a comparative analysis of performance and diversification. Large data sets can be manipulated in a manner that is simple to understand and convenient to use. Historical performance data for investments can be analyzed in respect of every possible investment period using any pre-existing or personally defined quantitative measurement algorithm. The user can apply his or her personal weightings to the various performance measurements based on a combination of attribute and time period to construct a customized scoring process, based on which a comparative ranking of the investments can be created. Further, a complete universe of investments can be segmented into peer groups based on one of a number of similarity/dissimilarity criteria from which the user may choose. | 2009-12-31 |
| 20090327158 | Synthetic Funds Having Structured Notes - The present invention relates to synthetic funds for purchase by investors. A structured note is structured to provide customized equity returns/exposure. Terms of each structured note may be specified by the purchaser and the structured notes may be unsecured liabilities of the obligor, e.g., there are no underlying assets upon which the structure note is based. Thus, there will be no limits on the use of structured note proceeds and management of assets and liabilities will be left entirely to the obligor's discretion. Structured note payment obligations may be related to the performance of an objective valuation, but structured note holders will depend on the good credit of the obligor for payment. | 2009-12-31 |
| 20090327159 | METHOD AND SYSTEM FOR COMPUTER-IMPLEMENTED TRADING OF SECONDARY MARKET DEBT SECURITIES - A computer-implemented method and system for trading of debt securities (bonds), where multiple dealers participate and compete on a single platform ( | 2009-12-31 |
| 20090327160 | PAIRED BASIS SWAP RISK AND CREDIT MITIGATION SYSTEM AND COLLATERAL MINIMIZATION SYSTEM - A paired basis swap risk and credit mitigation system and collateral minimization system. In swaps used to hedge forward contracts a system authority interposes itself and forms paired basis swaps with each of the paired swap participants and itself together with a Swaption to allow it to maintain a level book in the event of a default by any counterparty. In the event of a default the system authority has the ability to either terminate a swap and pay the non-defaulting counterparty an agreed upon termination payment, terminate the non-defaulting counterparty's swap and exercise the swaption to substitute a correlated swap with appropriate correlated termination payment; or substitute a new counterparty with an identical swap as the paired swap participant. Paired basis swap control through delivery can be enabled to continue the risk and credit mitigation benefits of the system. | 2009-12-31 |
| 20090327161 | Financial activity based on tropical weather events - A financial activity network includes a central managing system connected to a plurality of participant terminals. Rules governing operation of the financial activity are stored for future reference. A participant provides investment information using a map with user selectable portions, for identifying the predicted qualifying strike. | 2009-12-31 |
| 20090327162 | PRICE ESTIMATION OF OVERLAPPING KEYWORDS - In this invention, systems and methods for providing a price estimate for two or more keywords are provided. More specifically, a price estimate is determined and provided when each keyword has terms in common, where each keyword includes one or more terms. For example, a first keyword (e.g., “car”) and a second keyword (e.g., “new car”) share a common word. Thus, the price estimate of these keywords will illuminate the overlapping traffic between the keywords and provide a more accurate price estimate to the advertiser, when bidding on the keywords. A more accurate price estimate allows the advertiser to better estimate their advertising budget when factoring in the overlapping keyword traffic, and accordingly, bid on more keywords. | 2009-12-31 |
| 20090327163 | Choice Engine - Disclosed are arrangements ( | 2009-12-31 |
| 20090327164 | LOAD DISTRIBUTING METHOD, COMPUTER PRODUCT, AND LOAD DISTRIBUTING APPARATUS - A load distributing method includes receiving information concerning resources of a terminal device from the terminal device in a grid on a network of a grid computing system; extracting, from a computation data group related to grid computing and based on the received information concerning resources, computation data corresponding to the resources; and distributing to the terminal device, the extracted computation data together with content reproducible during processing of the computation data. | 2009-12-31 |
| 20090327165 | SYSTEM AND METHOD FOR RE-SUPPLYING ENERGY TO A BATTERY-POWERED ELECTRIC VEHICLE - A system for quickly and efficiently re-supplying electrical energy to an electric vehicle having a rechargeable battery of a certain type of battery within a geographic area is provided. The system comprises one or more service stations within the geographic area. The service station has a storage facility for another rechargeable battery of the same type and an automated handling device for removing the battery from the vehicle and inserting the other battery into the vehicle. In one embodiment of the invention, the system may further include a system for recharging the rechargeable battery from, for example, solar energy. | 2009-12-31 |
| 20090327166 | Method And Apparatus For Efficient Delta Pricing - A method of generating a price is disclosed. The method includes generating a delta price and generating a final price using the delta price. | 2009-12-31 |
| 20090327167 | METHOD FOR THE VALUATION OF INTELLECTUAL PROPERTY RIGHTS - A method for valuating an intellectual property right or an intellectual property right application includes providing the intellectual property right or the application therefor claiming a subject matter, identifying at least one essential attribute of the subject matter, undertaking a market analysis on the demand for the at least one essential attribute and deriving a value from the results of the market analysis, whereby the situation of having the intellectual property right or application is compared with the situation of not having it. The essential attribute is the one that generates an added value for consumers buying the related product when compared to products from the state of the art. Decompositional market analysis methods such as Conjoint Analysis and the like are preferred. As a result of the market analysis, a utility value distribution is determined and the maximum of a price-profit function of the essential attribute(s) is calculated. | 2009-12-31 |
| 20090327168 | PLAYFUL INCENTIVE FOR LABELING CONTENT - Embodiments are directed towards employing a playful incentive to encourage users to provide feedback that is useable to train a classifier. The classifier being associated with any of a variety of different settings, including but not limited to classifying: messages as ham/spam, images, advertising, bookmarking, music, videos, photographs, shopping, or the like. An animated image, such as a pet, provides an interface to the classifier that encourages and responds to user feedback. Users may share their classifiers or aspects thereof with other users to enable a community of knowledge to be applied to a classification task, while preserving privacy of the user feedback. One form of sharing may be within the context of a competitive game. Various evaluations may be performed on a classifier to indicate user feedback consistency, or quality. Classifiers may also be used to provide users with advertisements, products, or services based on the user's feedback. | 2009-12-31 |
| 20090327169 | COMBINING PREDICTIVE MODELS OF FORGETTING, RELEVANCE, AND COST OF INTERRUPTION TO GUIDE AUTOMATED REMINDING - The claimed matter provides systems and/or techniques that develop or use predictive models of human forgetting to effectuate automated reminding. The system includes the use of predictive models that infer the probability that aspects of items will be forgotten, models that evaluate the relevance of recalling aspects of items in different settings, based on contextual information related to user attributes associated with the items, and models of the context-sensitive cost of interrupting users with reminders. The system can combine the probability of users forgetting aspects of an item with an assessed cost of forgetting those aspects to ascertain expected costs for not being reminded about events, compare expected costs for not being reminded with expected costs for interrupting users, and based on comparisons between expected costs for being reminded and expected costs for interrupting users regarding events, generate and deliver reminder notifications to users about items. | 2009-12-31 |
