Patent application number | Description | Published |
20080301022 | Real-Time Core Integration Method and System - Embodiments include a system, or platform, and method allowing financial institutions (FIs) to have access to an account opening platform that is capable of completing every aspect of the account opening approval process for the FI, and that is also capable of interfacing with their respective core systems (regardless of type or protocol) for receiving account opening requests from customers. Account opening requests may encounter permanent or temporary errors. When temporary errors are encountered, the account opening request is placed in a queue and automatically retried until the error is resolved. The account opening platform performs real-time integration with a variety of core systems such that approved new accounts are immediately “boarded” to the FI's core. In an embodiment, the platform is a plug-and-play” architecture such that adding the ability to communicate with new or different cores requires minimal effort. For example, no recoding of basic FMS software is required, but only coding of a plug-in module for a specific FI. | 12-04-2008 |
20080301023 | Multi-Channel and Cross-Channel Account Opening - Embodiments as described herein include methods and a system for multi-channel and cross-channel account opening. An applicant may start an account opening process in one channel and move to one or more other channels without any application data being lost. A financial management system (FMS) provides a single account opening platform for multiple financial institutions (FIs) such that an application to open an account is handled by the FMS platform using shared resources among channels, and applying rules specified by each FI. | 12-04-2008 |
20090024505 | Global Risk Administration Method and System - Embodiments of a Global Risk Administration (GRA) method and system include a GRA tool that assists an institution with various decision making processes by enabling the institution to customize the GRA tool to generate decisions based on information input by the institution or a customer of the institution. The GRA tool further accesses third party data sources for the purpose of verifying information and gathering additional information to be used in generating decisions. The data sources are selectable by the institution as an aspect of the customization in an embodiment. In an embodiment, the institution is a financial institution (FI), and customizing the GRA tool involves an FI user assigning attribution rules using, wherein attribution rules comprise characteristics of applicants for financial accounts. The user further creates one or more decision classes using the UI, wherein one or more attribution rules place an applicant in a decision class; and the user creates business rules, wherein a business rule determines a manner in which the GRA module interprets data from the third party data sources. | 01-22-2009 |
20120271743 | Global Risk Administration Method and System - Embodiments of a Global Risk Administration (GRA) method and system include a GRA tool that assists an institution with various decision making processes by enabling the institution to customize the GRA tool to generate decisions based on information input by the institution or a customer of the institution. In an embodiment, the institution is a financial institution (FI), and customizing the GRA tool involves an FI user assigning attribution rules using, wherein attribution rules comprise characteristics of applicants for financial accounts. The user further creates one or more decision classes using the UI, wherein one or more attribution rules place an applicant in a decision class; and the user creates business rules, wherein a business rule determines a manner in which the GRA module interprets data from the third party data sources. | 10-25-2012 |
Patent application number | Description | Published |
20090086935 | Method and system for workgroup voicemail message - A method, system, and medium related to workgroup voicemail. The method may include receiving a workgroup voicemail for a call placed to a callable workgroup; providing a workgroup message waiting signal to a communication device associated with a member of the callable workgroup; and displaying a workgroup message waiting indication at the communication device associated with the callable workgroup member in response to the workgroup message waiting signal, the workgroup message waiting indication being distinct from a personal message waiting indication associated with the callable workgroup member. | 04-02-2009 |
20090086948 | Method and apparatus for managing audio conferencing - A telecommunications system, including a network; a plurality of user devices operably coupled to the network; and a teleconferencing system operably coupled to the network, the teleconferencing system including a hosting service configured to allow a moderator to set up and schedule a teleconference among a plurality of participant user devices and an announcement service configured to allow for distributing moderator-defined information to the participants by automatically sending the moderator information as moderator-selected media upon a log in to the conference. | 04-02-2009 |
20090089371 | Method and system for workgroup instant message - A method for managing instant message communications, including conducting an instant message (IM) session between a first member of a callable workgroup and an external user participant that calls the callable workgroup; initiating, by the first member of the callable workgroup, a second IM session between the first member and at least one other member of the callable workgroup; and conducting the second IM session between the first member and the at least one other member of the callable workgroup, the at least one other member of the callable workgroup participating in the second IM session capable of monitoring communications of the first IM session between the first member and the external user. | 04-02-2009 |
Patent application number | Description | Published |
20120198026 | PERSONAL WEB DISPLAY AND INTERACTION EXPERIENCE SYSTEM - Embodiments of the present invention may be directed to an interactive system. The interactive system may include a browser application allowing a user to access a website using a communication pathway. The website provides website information in a standardized interchange protocol and also in webpages. The browser application is configured to allow user access to the webpages. The interactive system may also include a module of the browser application compatible with the standardized interchange protocol and configured to store and implement user personalized commands and to store recorded user history information. The module implements a graphical user interface with the website information that is personalized to the user. The graphical user interface includes a personalized display experience and a personalized interaction experience that are both custom designed for the user. | 08-02-2012 |
20140201288 | INTERACTION USING CONTENT - A method, computer-readable medium and system for interacting using content are disclosed. A web response may be executed on a first computer system and/or another computer system associated with the first computer system responsive to the initiation of a call over a voice channel between the first computer system and a second computer system. The web response may include automatically downloading content over a data channel so that it can be automatically presented at the first computer system and/or another computer system associated with the first computer system. The content may include video, audio, information from a social networking website, a blog, other content, some combination thereof, etc. In this manner, more and/or different types of content can be used to communicate with callers by causing content to be presented in conjunction with communication over a voice channel. | 07-17-2014 |
20140207872 | COMMUNICATION ASSOCIATED WITH A WEBPAGE - A method, computer-readable medium and system for enabling communication associated with a webpage are disclosed. One or more communication interfaces may be used to associate content with one or more regions of a webpage. The one or more communication interfaces may be associated with the one or more regions of the webpage. Each communication interface may enable users to submit content for access by at least one other user. In this manner, content may be associated with one or more regions of a webpage, thereby enabling users to more readily and efficiently communicate and/or provide context for content. | 07-24-2014 |
Patent application number | Description | Published |
20140149422 | Automating Management of Social Media Data - A system, method, and computer-readable medium are disclosed for automating the management of social media data. Customer identification information associated with a target individual is processed to generate corresponding social media identification information, which in turn is processed to identify associated social media data stored in a social media data source. Once identified, the associated social media data is retrieved, indexed to the customer and social media identification data, and stored in a social profile associated with the target individual. In various embodiments, the customer identification data comprises one or more of a customer's name, a unique customer identifier, a physical address, an electronic mail address, a telephone number, or a customer demographic. | 05-29-2014 |
20140195333 | Social Commerce Return on Investment - A system and method are disclosed for analyzing return on investment (ROI) for social commerce interactions. User data associated with a target group of social media users is collected and processed to generate a first set of social commerce metrics. The user data comprises a first set of social media interaction data corresponding to a first set of social commerce interactions with the target group of social media users. The user data is further processed to generate a second set of social commerce interactions, which are then performed. The performance of the second set of social commerce interactions generates a second set of social commerce interaction data, which in turn is processed to generate a second set of social commerce metrics. The first and second sets of social commerce metrics are then processed to generate social commerce ROI metrics. | 07-10-2014 |
Patent application number | Description | Published |
20120130809 | Social CRM - A method and system is disclosed for conducting electronic commerce within a social media environment. A user of a social media site elects to perform an activity associated with a social commerce site. Once the social commerce activity has been performed, its corresponding value is processed with social commerce reputation data associated with the user to generate a social commerce reputation score for the user. The resulting social commerce reputation score is then compared to the requirements associated with different social commerce reputation badges. The social commerce reputation badge that matches the user's current social commerce reputation score is then displayed as a graphical image within the social commerce site along with the user's associated social commerce reputation data. | 05-24-2012 |
20120209786 | Social Net Advocacy Business Applications - A method and system are disclosed for monitoring user interactions and generating proactive responses thereto within a social media environment. Social media interactions are monitored, collected, and processed to generate social network advocacy analyses, which are in turn processed to generate predictive models. In turn, the predictive models are referenced to perform targeting market segmentation operations and to generate proactive marketing response recommendations. | 08-16-2012 |
20120209918 | Social Net Advocacy Measure - A method and system are disclosed for monitoring user interactions and generating proactive responses thereto within a social media environment. Social media interactions are monitored, collected, and processed to generate a social network advocacy metric. The resulting metric is used as an indicator of the affect of the user interactions within a target social media environment and the effectiveness of corresponding proactive responses. | 08-16-2012 |
20120209919 | Social Net Advocacy Contextual Text Analytics - A method and system are disclosed for monitoring user interactions and generating proactive responses thereto within a social media environment. Social media interactions are monitored, collected, and processed to generate contextual text analyses, which are then processed with social network advocacy data to generate a social network advocacy conversation table. In turn, data associated with the contextual text analyses is likewise processed with social network advocacy data to generate a social network advocacy conversation index, which is used to generate a social network advocacy metric. The resulting metric is used as an indicator of the affect of the user interactions within a target social media environment and the effectiveness of corresponding proactive responses | 08-16-2012 |
20120209986 | Social Net Advocacy Process and Architecture - A method and system are disclosed for monitoring user interactions and generating proactive responses thereto within a social media environment. Social media interactions are monitored, collected, and processed to determine whether they contain content outside of a threshold. If so, they are processed to determine the content causing the content to be outside of the threshold. Once the issues have been determined, proactive actions are performed to counteract the affect of the content. | 08-16-2012 |
20130166379 | Social Targeting - A system and method are disclosed for social targeting within a social media environment. A sample set of social media interactions containing a reference to an intent to purchase a product is processed to generate a prioritization index. The prioritization index is then used to monitor social media interactions in a target social media environment to identify social media users exhibiting propensity-to-purchase behavior. A propensity-to-purchase value is then generated for each of the identified social media users and they are ranked accordingly. The ranked social media users are then converted into sales leads for nurturing. | 06-27-2013 |
20130173612 | Social Net Advocacy for Providing Categorical Analysis of User Generated Content - A method and system are disclosed for providing categorical analysis of user interactions within a social media environment. Social media interactions are monitored, collected, and processed to generate social network advocacy (SNA) analyses, which are in turn processed to categorize associated SNA data into predetermined SNA categories. Analysis operations are then performed on the resulting categorized SNA data to generate an SNA value for each of the SNA categories, along with associated statistical analyses, which are then used to provide the basis for proactive marketing response responses within one or more social media environments. | 07-04-2013 |
20140019178 | Brand Health Measurement - Investment Optimization Model - A system and method are disclosed for optimizing brand equity return on investment (ROI). Original input data associated with a plurality of brand equity variables is processed using a brand equity ROI model to generate a first brand equity value, which in turn is processed to generate a dependent variable. Input data corresponding to an individual brand equity variable is then processed to generate changed input data, which in turn is processed by the brand equity ROI model with the original input data and the dependent variable to generate a second brand equity value. The first and second brand equity values are then processed to determine the effect of the changed data on the first brand equity value. | 01-16-2014 |
Patent application number | Description | Published |
20120095873 | ESCROW MANAGEMENT SYSTEM FOR MARKETPLACES - An escrow management system is described. Transaction information between the seller and the buyer from the online marketplace application is received. A shipping transaction information associated with the transaction of a shipping vendor of the marketplace is received. The transaction information and the shipping transaction information are communicated to a financial journaling system. A balance manager module provides collection and payment for the transaction and the shipping transaction in real time, provides a real time journal of the transaction and the shipping transaction, and synchronizes with the financial journaling system without having to manually reconcile with the online market application and the shipping vendor. The balance manager module provides an integrated system to track cash flows related to the collection and payment corresponding to the transaction and shipping transaction. | 04-19-2012 |
20120116821 | SYSTEM AND METHOD FOR CORRELATING A SELLER'S INSURANCE CLAIM WITH A BUYER'S COMPLAINT - A method and a system for maintaining a record of a shipping insurance elected by a seller eligible to purchase the shipping insurance for an item to be shipped to a buyer are described. A claim and complaint module receives a complaint from the buyer and a claim from the seller. A claim processing module processes the claim from the seller based on the corresponding complaint from the buyer. | 05-10-2012 |
20120116822 | SYSTEM AND METHOD FOR DYNAMIC PRICING OF AN INSURANCE POLICY - A storage device stores a profile of a seller of an electronic marketplace. An insurance pricing generator module computes a shipping insurance rate for the seller based on the profile of the seller. The shipping insurance rate for the seller is computed based on the insurance coverage selected by the seller. The profile of the seller has an electronic marketplace profile of the seller and an insurance profile of the seller. A record of the shipping insurance elected by a seller eligible to purchase the shipping insurance at the shipping insurance rate for an item to be shipped to a buyer is maintained. A claim and complaint module receives a complaint from the buyer and a claim from the seller. A claim processing module processes the claim from the seller based on the corresponding complaint from the buyer. | 05-10-2012 |
20120116823 | SYSTEM AND METHOD FOR PROVIDING SHIPPING INSURANCE AS A SERVICE - A shipping insurance service application has an electronic marketplace platform interface, a shipping insurance module, and an insurance provider module. The electronic marketplace platform interface communicates with at least one electronic marketplace application. The shipping insurance module provides a shipping insurance policy to a seller of the corresponding electronic marketplace application and processes a claim from the seller of the corresponding electronic marketplace application based on the shipping insurance policy. The carrier module obtains the shipping insurance policy from an insurance provider among a plurality of insurance providers. | 05-10-2012 |
20130218723 | GLOBAL SHIPPING PLATFORM - A system and method for a global shipping platform for an online marketplace is described. A transaction between an international buyer and a domestic seller for an item listed by the domestic seller in the online marketplace is generated. A domestic shipping transaction of the transaction is generated for the domestic seller. An international shipping transaction of the transaction is generated for the international buyer. | 08-22-2013 |
20140058971 | CROSS-BORDER SHIPPING SOLUTION - A cross-border shipping system is described. Information from a cross-border commercial transaction between a seller and a buyer for an item is accessed from an online marketplace. A virtual shipping carrier service is generated for the cross-border commercial transaction using at least one of the shipping carriers transparent to the seller and the buyer. A virtual tracking identifier is generated for the virtual shipping carrier service. The virtual tracking identifier identifies the cross-border commercial transaction and the corresponding shipping carriers. | 02-27-2014 |
20140108062 | SYSTEM AND METHOD FOR PROVIDING SHIPPING INSURANCE AS A SERVICE - A shipping insurance service application has an electronic marketplace platform interface, a shipping insurance module, and an insurance provider module. The electronic marketplace platform interface communicates with at least one electronic marketplace application. The shipping insurance module provides a shipping insurance policy to a seller of the corresponding electronic marketplace application and processes a claim from the seller of the corresponding electronic marketplace application based on the shipping insurance policy. The carrier module obtains the shipping insurance policy from an insurance provider among a plurality of insurance providers. | 04-17-2014 |
20140108063 | SYSTEM AND METHOD FOR PROVIDING SHIPPING INSURANCE AS A SERVICE - A shipping insurance service application has an electronic marketplace platform interface, a shipping insurance module, and an insurance provider module. The electronic marketplace platform interface communicates with at least one electronic marketplace application. The shipping insurance module provides a shipping insurance policy to a seller of the corresponding electronic marketplace application and processes a claim from the seller of the corresponding electronic marketplace application based on the shipping insurance policy. The carrier module obtains the shipping insurance policy from an insurance provider among a plurality of insurance providers. | 04-17-2014 |
20140172735 | GUARANTEED SHIPPING COST - A system and method for a guaranteed shipping cost are described. A guaranteed shipping cost qualification module determines whether an item to be listed by a seller in an online marketplace qualifies for a guaranteed shipping cost listing. An estimated shipping cost computation module computes an estimated shipping cost of the item. A shipping cost reconciliation module reconciles an accrual of the estimated shipping cost received from the buyer with an actual shipping cost received from a shipping service provider for shipping the item. A learning module adjusts the estimated shipping cost computation module based on the reconciliation between the estimated shipping cost and the actual shipping cost. | 06-19-2014 |
20140214456 | SYSTEM AND METHOD FOR OFFERING SHIPPING INSURANCE - A method and a system for maintaining a record of a shipping insurance elected by a seller eligible to purchase the shipping insurance for an item to be shipped to a buyer are described. A claim and complaint module receives a complaint from the buyer and a claim from the seller. A claim processing module processes the claim from the seller based on the corresponding complaint from the buyer. A seller shipping insurance module offers or refuses to offer shipping insurance to the seller based on fraudulent activity associated with the buyer. | 07-31-2014 |
Patent application number | Description | Published |
20110145428 | METHOD AND APPARATUS FOR NAVIGATING A MEDIA PROGRAM VIA A TRANSCRIPT OF MEDIA PROGRAM DIALOG - A method and apparatus for navigating a media program via a searchable transcript of the dialog of the media program is disclosed. In one embodiment, a textural transcript of the dialog is generated, wherein the textural transcript comprising a plurality of portions wherein each portion is associated with a segment of the media program, a command is accepted to display the transcript and in response to that command, user interface data is transmitted to the client computer for presentation in a user interface, wherein the user interface comprising a concurrently presented media program player and the textural transcript. | 06-16-2011 |
20110145726 | METHOD AND APPARATUS FOR NAVIGATING A MEDIA PROGRAM VIA A HISTOGRAM OF POPULAR SEGMENTS - A method and apparatus for navigating a media program is disclosed. Viewing data for segments of the media program are monitored and used to compile statistics that are presented to the user in a histogram, so that popular portions of the media program can be identified and navigated to. One embodiment includes a searchable transcript of the media program that is synchronized with the histogram. | 06-16-2011 |
20130091299 | Method and Apparatus for Navigating a Video Via a Transcript of Spoken Dialog - A method and apparatus for navigating a media program via a searchable transcript of the dialog of the media program is disclosed. In one embodiment, a textural transcript of the dialog is generated, wherein the textural transcript comprising a plurality of portions wherein each portion is associated with a segment of the media program, a command is accepted to display the transcript and in response to that command, user interface data is transmitted to the client computer for presentation in a user interface, wherein the user interface comprising a concurrently presented media program player and the textural transcript. | 04-11-2013 |