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Небесная энциклопедия

Космические корабли и станции, автоматические КА и методы их проектирования, бортовые комплексы управления, системы и средства жизнеобеспечения, особенности технологии производства ракетно-космических систем

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Мониторинг СМИ

Мониторинг СМИ и социальных сетей. Сканирование интернета, новостных сайтов, специализированных контентных площадок на базе мессенджеров. Гибкие настройки фильтров и первоначальных источников.

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Применить Всего найдено 64920. Отображено 100.
28-04-2017 дата публикации

Система заправки транспортного средства

Номер: RU0000170546U1
Автор: Александр Евгеньевич Сулим
Принадлежит: Александр Евгеньевич Сулим

Полезная модель относится к автозаправочным станциям.Известна автозаправочная станция, описанная в патенте на изобретение RU 2515003, МПК B60S 5/02, 2012. Недостатком данной автозаправочной станции является невозможность по беспроводной связи, в том числе через сеть интернет, в каждой точке территории заправочной станции в интерактивном режиме самостоятельно покупателями с помощью своих устройств мобильной связи без предварительной регистрации и предварительного заключения договора совершить электронный выбор номера заправочной колонки с заправочным пистолетом и типа товара для заправки транспортного средства данной заправочной станции с указанием суммы, объема заправки и электронную оплату товара для заправки транспортного средства с последующей заправкой транспортного средства.Техническим результатом полезной модели является возможность по беспроводной связи, в том числе через сеть интернет, в каждой точке территории заправочной станции в интерактивном режиме самостоятельно покупателями с помощью своих устройств мобильной связи без предварительной регистрации и предварительного заключения договора совершить электронный выбор номера заправочной колонки с заправочным пистолетом и типа товара для заправки транспортного средства данной заправочной станции с указанием суммы, объема заправки и электронную оплату товара для заправки транспортного средства с последующей заправкой транспортного средства, удобство заправки транспортного средства, не выходя из транспортного средства, снижение очередей на автозаправочной станции, сокращение времени заправки транспортного средства.Указанный технический результат достигается тем, что система заправки транспортного средства, включающая расположенный на территории заправочной станции сервер заправочной станции, соединенный с контроллером заправочной колонки и обеспечивающий заправку транспортного средства, отличающаяся тем, что обеспечивается, в том числе с помощью программного обеспечения сервера заправочной станции, в каждой ...

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Номер записи: 1
05-01-2012 дата публикации

Transactional services

Номер: US20120005091A1
Автор: Mehul Desai, Satyan G. Pitroda
Принадлежит: C SAM Inc

Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.

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Номер записи: 2
05-01-2012 дата публикации

Transactional services

Номер: US20120005092A1
Автор: Mehul Desai, Satyan G. Pitroda
Принадлежит: C SAM Inc

Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.

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Номер записи: 3
05-01-2012 дата публикации

System, Program Product, and Associated Methods to Autodraw for Micro-Credit Attached to Prepaid Card

Номер: US20120005094A1
Автор: Andrew B. Crowe, Rebecca Ahlers, Scott H. Galit, Trent Sorbe
Принадлежит: METABANK

A prepaid card processor receives data for a line of credit for a prepaid card from a lending institution computer. The prepaid card processor makes available draws to the line of credit line on behalf of the lending institution computer in an authorization stream for a proposed purchase using the prepaid card as payment. When the line of credit is accessed, the processor loads the prepaid card with an additional value equal to one or more preselected loan increments so that the prepaid card then has a new amount totaling a previous amount plus the amount of value of the one or more preselected loan increments and so that the new amount exceeds or equals the value of a proposed purchase. Then the processor notifies the lending institution so that the line of credit balances on the lending institution computer and the prepaid card processor are kept in sync.

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Номер записи: 4
05-01-2012 дата публикации

Transactional services

Номер: US20120005726A1
Автор: Mehul Desai, Satyan G. Pitroda
Принадлежит: C SAM Inc

Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.

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Номер записи: 5
12-01-2012 дата публикации

Check and u.s. bank note processing device and method

Номер: US20120008850A1
Автор: Douglas U. Mennie, John E. Jones, Paul A. Jones, William J. Jones
Принадлежит: Individual

A document processing system comprises an input receptacle for receiving documents. A transport mechanism receives the documents from the input receptacle and transports the documents past a full image scanner and a discrimination unit. An output receptacle receives the documents from the transport mechanism after being transported past the full image scanner and the discrimination unit. The full image scanner includes means for obtaining a full video image of said documents, means for obtaining a image of a selected area of said documents, and means for obtaining information contained in said selected area of said document. The discrimination unit includes means for determining the authenticity of said document. A system controller directs the flows of documents over the transport mechanism.

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Номер записи: 6
12-01-2012 дата публикации

News induced automated electronic securities transactions

Номер: US20120011047A1
Автор: John P. Elliott, Steven A. Burrows
Принадлежит: News Tech LLC

News information is received. It is determined if the news information contains a reference to a company. It is further determined if the news information matches criteria associated with the company. Securities are automatically trade upon determining that said news information contains a reference to the company and determining that said news information matches criteria associated with the company.

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Номер записи: 7
12-01-2012 дата публикации

Systems and Methods to Receive Funds via Mobile Devices

Номер: US20120011059A1
Автор: Ron Hirson
Принадлежит: Boku Inc

In one aspect, a system includes an interchange with a data storage facility. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the common format processor in a common format and to communicate with the controllers in different formats. The interchange is to receive a request identifying a source phone number and a destination phone number, use a first converter to communicate with a mobile phone at the source phone number to obtain a confirmation of the request, obtain an amount of funds from a funding source associated with the source phone number, and use a second converter to transmit a message to a mobile phone at the destination phone number to indicate the availability of the amount of funds.

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Номер записи: 8
19-01-2012 дата публикации

Portable handheld device for wireless order entry and real time payment authorization and related methods

Номер: US20120012653A1
Автор: Christopher D. Faircloth, John M. Johnson, Lance Larsen, Roy Nelson
Принадлежит: SecuredPay Solutions Inc

A portable handheld device for wireless order entry and real time payment authorization may include a portable housing, a display carried by the housing, an order entry input device carried by the housing, a transaction card input device carried by the housing for reading user sensitive information from a transaction card, a wireless transceiver carried by the housing, and a processor carried by the housing and connected to the display, order entry input device, transaction card input device and wireless transceiver. The processor may be for wirelessly sending input order information, and encrypting and wirelessly sending the user sensitive information from the transaction card without storing and without displaying. The processor may also be for wirelessly receiving and displaying payment authorization information based upon real time authorization from a transaction card issuing entity.

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Номер записи: 9
19-01-2012 дата публикации

Vehicle information unification method which combines with a hand-held electronic device

Номер: US20120016554A1
Автор: Chun-Jung Huang
Принадлежит: ATAN PLASTIC Co Ltd

In a vehicle information unification method which combines with a hand-held electronic device, a hand-held electronic device, which includes a first processor, a first screen and a first transmission interface, is connected with a receiving system of a vehicle. The hand-held electronic device and the receiving system are interconnected within an effective distance through the first transmission interface and a second transmission interface of the receiving system, allowing the receiving system to access digital messages in a storage unit of the hand-held electronic device. The digital messages are computed and a result of computation is outputted for use by the vehicle. By the interconnection between the hand-held electronic device and the receiving system of the vehicle, the vehicle can access and apply information of various hand-held electronic devices to provide the vehicle information that is personalized, convenient and safe.

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Номер записи: 10
19-01-2012 дата публикации

Method of and system for capturing interest earned on the monetary value of transferred monetary rights managed on an internet-based monetary rights transfer (mrt) network supported by a real-time gross settlement (rtgs) system

Номер: US20120016782A1
Автор: Joseph H. Hardison, III
Принадлежит: Individual

Method of capturing interest associated with a whole or partial amount of money possessed or controlled by an owner/holder and held in a first account maintained by a home financial institution, associated with a monetary rights transfer (MRT) network operably connected to the infrastructure of the Internet and a real-time gross settlement (RTGS) system, and the home financial institution or an external financial institution associated with the MRT network, maintaining a second account, interest bearing, for the owner/holder of the amount of money to capture interest.

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Номер записи: 11
26-01-2012 дата публикации

Program for Alternative Funding of Employee and Retiree Benefits

Номер: US20120022899A1
Автор: Karin Landry
Принадлежит: SPRING CONSULTING GROUP LLC

An insurance program for funding benefits by maintaining assets in the insurance program that includes an employer or employee owned trust account and at least one life insurance contract or non-cancelable accident and health insurance contract obtained directly or indirectly from a captive insurance company. The life insurance contract or non-cancelable accident and health insurance contract is purchased with assets from the trust account and the captive insurance company is at least partially owned by the employer. When paying or reimbursing benefits, the employer or the trust may pay the benefit and if the employer pays the benefit, the trust may reimburse the employer.

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Номер записи: 12
26-01-2012 дата публикации

Related party payment system

Номер: US20120022969A1
Автор: Chris Nicolaidis, James Collas, Jeffery Hall, Jonathan Shultz
Принадлежит: Spendsmart Networks Inc

Systems and methods are disclosed herein which that enable a first party, such as a child, to selected one or more items offered by an online retailer and to send a request to a second party, such as a parent or guardian, to request that the second party purchase the item or items for the first party. The systems and methods provide the second party with the ability to view requests received from the first party, to set limits on the number of requests and the amounts of the requests that the first party may make. The second party may also designate the parties to whom the first party may submit purchase requests. The child may also submit request to one or more non-parental contributors who may contribute money toward the purchase the one or more items for the child.

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Номер записи: 13
26-01-2012 дата публикации

Method for computerized wagering

Номер: US20120022992A1
Автор: James Michael Odom, Scott D. Yelich
Принадлежит: Asoid Network Facility LLC

A system and method for networked exchange are disclosed. A system for networked exchange comprises an internal proxy ( 140 ); an exchange processor ( 120 ) in communication with the internal proxy ( 140 ); a database ( 130 ) in communication with the internal proxy ( 140 ) ; an external proxy ( 150 ) in communication with the internal proxy ( 140 ); and, a communications network ( 110 ) connected to the external proxy. A method for networked exchange comprises 8 steps. Those steps are ( 1 ) specifying a mode of operations for an exchange; ( 2 ) identifying a commodity for the exchange; ( 3 ) listing information about the commodity; ( 4 ) accessing of the listing by a potential purchaser; ( 5 ) accessing the network-based exchange by the potential purchaser, ( 6 ) processing information generated by the potential purchaser, the information comprising a negotiation; ( 7 ) concluding the negotiation; and, ( 8 ) clearing the concluded negotiation.

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Номер записи: 14
26-01-2012 дата публикации

Securitization of a Commercial Transaction

Номер: US20120023005A1
Автор: Barry Lites
Принадлежит: Tradecard Inc

A method and apparatus for generating a tradable security includes confirming a vendor's compliance with predefined terms of a commercial transaction, such that a buyer is obligated to make a due payment. The method and apparatus further includes electronically rating a financial commitment relating to a receivable account for the commercial transaction. This receivable account is rated based on conditions and factors known to a system facilitating the commercial transaction. Based on the ability for the financial commitment to be rated, a financial exchange is operative to transfer entitlement rights to monies due under the receivable account where the terms for the transfer of the entitlement rights are based at least in part on the electronic rating. Thereby, receivable accounts to commercial transactions may be tradable by one or more investors as properly rated investment.

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Номер записи: 15
26-01-2012 дата публикации

Method and Apparatus for Increasing Charitable Donations By Providing Instantaneous Donor Recognition

Номер: US20120023014A1
Автор: James H. Wolfston
Принадлежит: Collegenet Inc

Charitable donations are increased by automatically providing immediate on-line recognition of on-line donors. A list of donors is maintained on a Web page acknowledging the on-line contributions. Donor names on the list can be links to additional information about the donation or the donor. Information about donor and donation is entered by the donor, who can specify what information is to be published on the Web and what information is to remain unpublished. The donor list can be arranged in order of donation size, and donors can compete for position on the list. The donor information can indicate membership in a group, and donations can also be totaled by group to encourage donation competition between groups.

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Номер записи: 16
26-01-2012 дата публикации

System and method for dynamic path- and state-dependent stochastic control allocation

Номер: US20120023038A1
Автор: David K. A. Mordecai
Принадлежит: Individual

The invention includes a system and process that employs contractual bargaining with agent-based computational methods for the dynamic allocation, optimization, and pricing of contingent rights and obligations between multiple counterparties with overlapping interests. The processes employ a dynamic and endogenous hierarchy or tiering of binding incentive compatible contingent strategies, which may include optimal liquidation policies for matched assets and liabilities based upon stochastic volume/price schedule related to statistically non-stationary supply/demand elasticities and order-flow, as well as variations in market microstructure. The invention includes a dynamic open system with distributed stochastic control of strategic interactions among dynamic optimizing agents across random states, wherein the actions of any one affects the joint costs and benefits for all the agents.

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Номер записи: 17
02-02-2012 дата публикации

System, method, and apparatus for managing wastewater treatment installation

Номер: US20120025996A1
Автор: Gregory D. Graves
Принадлежит: Service Pro Monitoring LLC

Apparatus for managing a residential wastewater treatment system includes an in situ control unit that monitors an individual system. The control unit provides local control and alarms, and also sends status reports and/or alarms to a remote monitoring center via a telemetry device. The remote monitoring center makes information concerning the individual system available through a website.

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Номер записи: 18
02-02-2012 дата публикации

Social Media Marketing Based on Transactions Using a Mobile Device and Associated Secure Element

Номер: US20120029990A1
Автор: Michelle Fisher
Принадлежит: Blaze Mobile Inc

A secure element can be physically coupled to a mobile communication device to allow for transactions with remote terminals such as point-of-sale and point-of-entry terminals. Data can be transmitted data between the mobile communication device and the secure element in a manner that allows for easy receipt of the data especially in cases where a wireless carrier network or WIFI connection is not available. Once the mobile communication device receives the transaction data, it can be posted on social media sites such as Twitter, Facebook, Myspace, etc . When a consumer shares their latest purchase and opinions about the product or event with their Special Interest Group (e.g. fans on facebook, followers on twitter , or any members affiliated with a social media group), it gives them a voice not available through traditional product review channels, and could compel others to purchase that item as well and merchants can reward users for posting (i.e. marketing) purchase history

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Номер записи: 19
02-02-2012 дата публикации

System and method for immediate issuance of transaction cards

Номер: US20120029999A1
Автор: Jason J. HOGG, Patrick Graf
Принадлежит: Serve Virtual Enterprises Inc

A system and method for substantially immediate issuance of transaction cards includes at least one unassigned transaction card including a storage medium having a card number encoded thereupon. The system also includes a computing system configured to receive application information from an applicant that has been provided said unassigned transaction card, and to activate the unassigned transaction card so that access to monetary funds is extended to the applicant through said unassigned transaction card, upon an evaluation of said application information indicating that the applicant has been approved for access to the monetary funds. The unassigned transaction card bears no visible marking presenting information concerning the applicant and encodes no information concerning said applicant upon the storage medium of said unassigned transaction card.

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Номер записи: 20
02-02-2012 дата публикации

Loan management tool

Номер: US20120030095A1
Автор: Ashley C. Hardy, Edna Waters Marshall, Lisa D. Curry
Принадлежит: Bank of America Corp

Embodiments of the present invention relate to methods and apparatuses for implementing, in connection with a HELOC account, a loan management tool. In some embodiments, the method includes: storing information relating to a loan account associated with a borrower, segmenting the loan account into one or more spend categories, and allocating purchases and payments, or portions thereof, made by the borrower to at least one of the one or more spend categories. In addition, the method may further include receiving from the borrower an input and calculating, based on the input, an output, wherein the output comprises at least one of the anticipated payoff date, the monthly payment amount, and the total saved interest.

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Номер записи: 21
02-02-2012 дата публикации

Multiple rate loan

Номер: US20120030099A1
Автор: Ashley C. Hardy, Edna Waters Marshall, Lisa D. Curry
Принадлежит: Bank of America Corp

Embodiments of the present invention relate to methods and apparatuses for implementing, in connection with a loan account, a loan management tool. In some embodiments, the method includes: storing information relating to a loan account associated with a borrower in a storage device, wherein a first interest rate is associated with the loan account, segmenting the loan account into at least a first spend category, and associating a second interest rate with the first spend category, wherein the second interest rate is different from the first interest rate. The method may also include receiving a payment comprising a first portion based on the first interest rate and a second portion based on the second interest rate, and applying a first portion of the payment to reducing a balance of the first spend category. In some embodiments, the systems and methods of the present invention are used in connection with a HELOC account.

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Номер записи: 22
02-02-2012 дата публикации

Image-Based Submission and Verification of Redemption Codes

Номер: US20120030103A1
Автор: Glenn Epis, Gregory Hughes, Philip J. Luongo, JR., Ted Biskupski
Принадлежит: Apple Inc

Improved systems and techniques for submission and verification of redemption codes are disclosed. It will be appreciated that the submission and verification techniques can, among other things, automate the submission and verification of redemption codes for various redeemable instruments, including transaction cards (e.g., gift or prepaid cards) widely used for online transactions (e.g., purchase of media items from an online media store). A redemption code can be determined based on an image of a redeemable instrument. More particularly, an image of a redeemable instrument can be processed using image analysis or one or more image processing techniques to extract a redemption code for the redeemable instrument. By way of example, an image (e.g., a digital picture) of a gift card can be processed by a device to extract an alphanumeric value printed on the gift card. This means that the alphanumeric value need not be entered manually by a person seeking to redeem the redeemable instrument (e.g., gift card). As a result, users can simply take a picture of a redeemable instrument (e.g., gift card) rather than having to manually enter long alphanumeric values commonly used today.

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Номер записи: 23
02-02-2012 дата публикации

Online check register using check imaging

Номер: US20120030105A1
Автор: Alicia C. Jones, Mark D. Zanzot, Zhongmin Agarwal
Принадлежит: Bank of America Corp

Embodiments of the invention relate to systems, methods, and computer program products for maintaining an updated check register in connection with an online banking account of a payor that tracks pending check payments using check imaging technology. Some embodiments of the present invention provide a computer-implemented method including the following steps: receiving an image of at least a portion of a paper check, wherein the portion comprises an indication of an amount of money to be drawn on a financial account, processing the image to determine the amount, identifying the financial account, and recording the amount in connection with the financial account, wherein the recording step occurs prior to receiving any indication that the check has been presented for payment. In addition, the method may also include making the financial account with an indication of the pending payment available to be viewed by the payor.

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Номер записи: 24
09-02-2012 дата публикации

Network Servers, Systems, and Methods for Multiple Personas on a Mobile Device

Номер: US20120033610A1
Автор: Douglas Scott Ring, Karen Mullis, Scott Andrew Steinbrueck, Steven A. Siegel, Yakun Gao
Принадлежит: AT&T INTELLECTUAL PROPERTY I LP

Network servers, systems, and methods are disclosed which relate to providing a plurality of user identities or personas on a single mobile device. The mobile device has a unique address to communicate with entities on the network. The mobile device further has a plurality of telephone numbers associated with it. The usage of each telephone number may be billed to a separate account. Each telephone number further has a plurality of personas associated with it. Each persona has its own visual interface on the mobile device and a corresponding set of rules. The relationship between personas and telephone numbers, and associated rules, are stored on an application server on the network. The application server routes incoming connections to a specific persona on the single mobile device based on the plurality of rules. The rules can be edited by a user of the mobile device via an interface or via another device connected to the network. An SIP stack on the mobile device enables seamless communication with an IP Multimedia Subsystem.

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Номер записи: 25
09-02-2012 дата публикации

Method to Provide Liquid Funds in the Online Auction and Marketplace Environment

Номер: US20120036032A1
Автор: Kathryn Tison Petralia, Robert James Frohwein
Принадлежит: Kabbage Inc

A method, apparatus, and computer readable storage to implement a lending system for use with electronic commerce web sites such as auction sites. A seller may receive a cash loan for items placed for sale but not yet purchased by a buyer. The seller can be required to pay back the loan after a predetermined amount of time or as soon as the item for sale is sold and payment is received from the buyer. The lender would charge interest or commission for the loan. In this manner, sellers can receive cash for items listed on auction sites before those items are actually sold, generating additional cash flow for the seller.

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Номер записи: 26
16-02-2012 дата публикации

Method and system for using reward points to liquidate products

Номер: US20120041812A1
Автор: Richard Postrel
Принадлежит: Signature Systems LLC

A user selects a product to be liquidated from a product provider and then designates to the transacting entity that reward points are to be used towards the purchase of the liquidated product. The transacting entity acts to decrease the number of reward points in the user's reward account by the required number of points. The reward account holder conveys consideration to the transacting entity equivalent to the par value of the reward points consumer obtains the product in exchange for reward points having a retail value equivalent to what he would have otherwise paid for the product, while the reward account holder is required to convey only the par value of the points. The product provider is able to liquidate the product and obtain payment equivalent to what it would otherwise have obtained in a prior art liquidation process, auction or trading environment.

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Номер записи: 27
16-02-2012 дата публикации

Wallet Consolidator to Facilitate a Transaction

Номер: US20120041815A1
Автор: Frank J. Gangi
Принадлежит: E Micro Corp

A wallet consolidator to warehouse information pertaining to at least one card and to retrieve the warehoused information to facilitate a transaction is provided. An embodiment of a Wallet consolidator can include a housing, one or more input devices positioned to receive information, and a memory device positioned to store at least a portion of the information received by the one or more input devices. The wallet consolidator can also include a radio frequency wireless communication interface associated with the housing and adapted to communicate with a point-of-sale terminal thereby to provide at least a portion of the Information stored in the memory device to the point-of-sale terminal, a display screen, and a controller positioned within the housing in communication with and to control each of the one or more input devices, the memory device, the radio frequency wireless communication interface, and the display screen.

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Номер записи: 28
16-02-2012 дата публикации

Aggregation of trading orders

Номер: US20120041868A1
Автор: Arman Glodjo, Nathan D. Bronson, Scott E. Harrington
Принадлежит: Setec Astronomy Ltd

Systems and methods for generating limit order books are disclosed. A computer system may receive, from a plurality of trading entities, orders that are specified using a machine-to-machine communication protocol. The computer system may select two or more of the received orders, including orders from at least two different ones of the plurality of trading entities, and then generate a limit order book that includes the selected orders. The computer system may then convey the limit order book to a graphical user interface of a trader. In one embodiment, the orders may be for foreign exchange instruments.

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Номер записи: 29
16-02-2012 дата публикации

Systems and Methods to Identify Carrier Information for Transmission of Premium Messages

Номер: US20120041870A1
Автор: Daniel Baskerville
Принадлежит: Boku Inc

In one aspect, a system includes an interchange with a data storage facility. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the common format processor in a common format and to communicate with the controllers in different formats. The interchange is to receive a request identifying a phone number, a payment amount and a payee, and in response, use a pinging message to determine telecommunication carrier information of the phone number, select a converter, determine a set of premium messages in accordance with the telecommunication carrier information, and use the selected converter to transmit the set of premium messages to the phone number to collect funds to pay the payee on behalf of a user of the mobile phone.

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Номер записи: 30
16-02-2012 дата публикации

System and method for payment data processing

Номер: US20120041872A1
Автор: Chirayu Gangadhar Harshe, Eric Randall Bessell, George J. White, Gregory James Bricker, Jay Stumpf Dollard, Kirk Thomas Kotz, Lambert Wayne LeRoux, Laura C. Rogers, Mark A. Lawler, Michael Kerrick Nicholls, Michael P. Duffy, Rosemary R. Thomas, Russell James Mahy, Satish Menon
Принадлежит: Chase Paymentech Solutions LLC

A system for processing transaction data and payment data is provided. The system includes a front-end system that receives transaction data from one or more merchants, such as an employee identifier. A back-end system receives payment data from one or more payment systems, such as fraud data. A reporting system that is connected to the front-end system and the back-end system correlates the transaction data the payment data, such as to show employee identifier data and fraud data in a single record.

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Номер записи: 31
01-03-2012 дата публикации

Method and apparatus for conducting a transaction based on brand indifference

Номер: US20120054031A9
Автор: Andrew Golden, Andrew Van Luchene, Daniel Tedesco, Jay Walker, Jonathan Otto, Magdalena Mik, Russell Sammon
Принадлежит: Groupon Inc

A method and apparatus allows a customer to indicate his or her brand indifference within a product category, and then receive a benefit for purchasing a product chosen by a third party from within this product category. This method and apparatus is particularly useful in differentiating between brand-loyal or brand-sensitive customers and brand-indifferent customers, and allows manufacturers to price-discriminate between these two types of customers. The method includes a step during which an indication of at least one product or service category of interest is received from a customer or other potential purchaser, a step during which a selection of at least one product or service is made that matches the indicated product or service category, a step during which an indication of the selected product or service is provided to the customer or other potential purchaser or to a device used or accessible by the customer or other potential purchaser, a step during which an indication is received that the customer or other potential purchaser has actually purchased, rented, leased, obtained, etc. the selected product or service, and a step during which a benefit is provided to the customer or purchaser who actually purchased, rented, leased, obtained, etc. the selected product or service, or to some other person or entity designated by the customer or some other person or entity.

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Номер записи: 32
01-03-2012 дата публикации

Multiple-entity transaction systems and methods

Номер: US20120054094A1
Автор: Dean A. Seifert, Kenneth Algiene, Kurt Hansen, Michael Michelsen
Принадлежит: Western Union Co

Methods and systems are provided for performing a funds transfer. The method may include determining which of a plurality of different funds-transfer companies is able to complete the funds transfer in accordance with defined parameters. The method may also include determining a default service fee charged for the funds transfer by a funds-transfer company of a subset of the plurality of different funds-transfer companies. The method may additionally include transmitting to at least one funds-transfer company of the subset of the plurality of different funds-transfer companies details of the funds transfer, where the details of the funds-transfer comprises the default service fee. The method may furthermore include transmitting an identification of the subset of the plurality of different funds-transfer companies, each of which is capable of completing the funds transfer in accordance with the defined parameters, the subset including at least two of the plurality of different funds-transfer companies.

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Номер записи: 33
01-03-2012 дата публикации

Account opening computer system architecture and process for implementing same

Номер: US20120054095A1
Автор: Darren P. LOVEDAY, Darrick R. BROOKS, John P. Flood, Martin Hayes, Michael J. Sullivan, Michael R. ANTOGNOLI, Paris F. ROSELLI, Richard A. GEMMA, Ronald M. LESANDRO, Sonu GUPTA, Srinivas LAKSHMAN, Trevor Johnson, Yilu HE
Принадлежит: HSBC Tech Inc

The present invention provides, in alternative embodiments, a computer architecture and/or computer implemented methods for account opening. In some embodiments, the invention provides an integrated, component-based technology platform in which globally standardized, business configurable account opening processes are separate and decoupled from the user interface screens and are directly manageable by business functionality and/or personnel. In various embodiments, the invention provides pause and resume, save and retrieve, cross-channel, metrics, audit tracking, data logging, and/or straight-through processing capabilities for account opening.

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Номер записи: 34
01-03-2012 дата публикации

System and method for intra- and inter-jurisdictional collection and distribution of funds

Номер: US20120054096A1
Автор: James R. Millership, John A. Burega
Принадлежит: Individual

Systems, methods, devices, and computer programming product for electronic funds collection, transfer and administration using a computer network, including particularly the collection of funds from multiple jurisdictions for distribution to charities, such as disaster or poverty relief, and/or or to public works projects or other causes in single or multiple jurisdictions, which may or may not include jurisdictions in which the funds are collected.

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Номер записи: 35
08-03-2012 дата публикации

Card activated cash dispensing automated banking machine system and method

Номер: US20120055987A1
Автор: Jay Paul Drummond, Mark D. Smith, Natarajan Ramachandran
Принадлежит: Diebold Inc

An automated banking machine system operates to cause financial transfers responsive to data read from data bearing records. The system is operative to read a financial card bearing account indicia with a card reader. A user is enabled to perform at least one banking operation responsive to account indicia read from the card. Such banking operations may include dispensing cash and accessing financial accounts. A user is also enabled to perform at least one banking operation responsive to financial account data communicated to the automated banking machine from a mobile phone.

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Номер записи: 36
08-03-2012 дата публикации

System and method for custom service markets

Номер: US20120059742A1
Автор: Edward Katzin, Mark Carlson
Принадлежит: VISA INTERNATIONAL SERVICE ASSOCIATION

Methods and systems for providing custom services are disclosed. A developer interface provides standards, such as an application platform interface, for developers to use to make and test applications and services. A user interface can access downloadable or hosted services or applications to multiple users, such as, merchants, banks and networks. The system can then provide custom individual or packages of services to users based on the services requested by the user and charge the user for them on a subscription or per-use basis.

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Номер записи: 37
15-03-2012 дата публикации

Apparatus, Method and System for Designing and Trading Macroeconomic Investment Views

Номер: US20120066024A1
Автор: II Steven Harris Strongin
Принадлежит: Individual

The disclosure details the implementation of an apparatus, method, and system for a macroeconomic equity investment design and trade system (the Wavefront system). The disclosure teaches a set of quantitative tools to help investors design trades around macro themes. Part of the approach is a linked set of models called Wavefronts, which describe how economic shocks ripple through the economy into company performance, market value and equity returns in the US market. In one embodiment, the modeling may be viewed as having in three parts. The first converts an economic shock into a comprehensive set of shifts in the economy. The second takes those economic shifts and drives them into company fundamentals. The third values those fundamentals based on what the market normally pays. As a consequence, the Wavefront system maps economic views and risks into predictions of what the market will pay for those changes, and the industries and companies that will over- and under-perform, which allows for and results in the construction of more risk-efficient portfolios. In an alternative embodiment, the Wavefront system may also inverse the progression of the three parts to uncover and move industry specific information to uncover macroeconomic themes.

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Номер записи: 38
15-03-2012 дата публикации

Digital Currency Gift Cards and Their Methods of Production

Номер: US20120066122A1
Автор: Robert H. GOLDBERG
Принадлежит: GMG Lifestyle Entertainment Inc

Gift cards and/or placards as disclosed herein include: a) a card, placard or combination thereof, b) a graphic design related to the use of the card, placard or combination thereof, and c) a designated PIN space on the card, placard or combination thereof. Methods of producing a gift card for use in online environments are also described that includes: a) providing a card, placard or combination thereof that includes a PIN space, b) providing a printing apparatus, c) providing an individual PIN number; and d) using the printing apparatus to print the individual PIN number in the PIN space.

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Номер записи: 39
22-03-2012 дата публикации

Internet billing method

Номер: US20120072308A1
Автор: Andrew Egendorf
Принадлежит: AT&T INTELLECTUAL PROPERTY I LP

A system that incorporates teachings of the present disclosure may include, for example, identifying a consumer account managed by a service provider to which purchases are chargeable, the identification of the account based on transactional information, enabling customer equipment to request a purchase of an electronically-purchasable item of a vendor via network equipment of the service provider, wherein the vendor is a party other than the service provider, charging the consumer account a fee for a purchase initiated by the customer equipment, and remitting a portion of the fee to an account of the vendor. Other embodiments are disclosed.

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Номер записи: 40
29-03-2012 дата публикации

Systems and Methods to Provide Services Based on Transaction Activities

Номер: US20120078701A1
Автор: Rosann Woods
Принадлежит: VISA INTERNATIONAL SERVICE ASSOCIATION

Systems and methods are provided to structure services in tiers and provide services as rewards in accordance with the tiers. In one aspect, a system stores information identifying an account holder's account and information identifying features that are associated with the account. Account features include a plurality of services that are organized in tiers and any given tier determines the benefits the account holder is entitled to in connection with a set of services associated with the account feature. The account holder's account is associated with an original tier and the system monitors subsequent transactions to determine a tier that the user is entitled to based on the transactions. The tier includes all of the services that the user was previously entitled to in addition to any new services associated with a tier change.

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Номер записи: 41
29-03-2012 дата публикации

Transaction identified handling system

Номер: US20120078752A1
Автор: Magnus Westling, Stefan Hultberg
Принадлежит: ACCUMULATE AB

The present invention relates to methods, a transaction router ( 28 ) and a transaction handling system comprising a transaction router ( 28 ) and at least one transaction server ( 12 ) where a transaction identifier is announced to the transaction router. This simplifies the locating of presumptive transaction parts, transaction server and service providers, in order to perform transactions and transaction related activities.

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Номер записи: 42
29-03-2012 дата публикации

Estimated balance

Номер: US20120078785A1
Автор: Andrew William Lester, Brent Beecher Allen, Cynthia Dawn Washington Gilley, Jennifer Kendrick Anthony, Joyce Jacobson Reinhart, Sheri Marie Tindall, Stephen Joseph Brunhuber
Принадлежит: Bank of America Corp

Some embodiments of the present invention provide a method that includes: (a) receiving information associated with a deposit account; (b) determining, based at least partially on the information associated with the deposit account, an available balance associated with the deposit account; (c) determining, based at least partially on the information associated with the deposit account, a second amount associated with the deposit account; (d) determining, based at least partially on the available balance and the second amount, an estimated balance associated with the deposit account; and (e) posting the estimated balance to an online banking account, where the online banking account is associated with the deposit account.

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Номер записи: 43
29-03-2012 дата публикации

Method and system for tracking screen activities

Номер: US20120079103A1
Автор: Jinsheng Wang, Joe Zheng
Принадлежит: Yawonba Holdings AU LLC

Techniques to facilitate a system to capture, process, and archive a series of user interactive events and subsequently retrieve the stored user interactive events are disclosed. The captured information is indexed and stored for future access either on a terminal device or an accessible remote server device.

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Номер записи: 44
29-03-2012 дата публикации

Multiple device storefront for video provisioning system

Номер: US20120079529A1
Автор: Jeffery Lionel Harris, John K. Trimper
Принадлежит: VERIZON PATENT AND LICENSING INC

A system may process metadata associated with video assets; generate, based on the metadata, a first listing of the video assets, where the first listing is compatible with a first type of user device that corresponds to a set top box; and provide the first listing to the first type of user device. The system may further generate, based on the metadata, a second listing of the video assets, where the second listing is formatted to be compatible with a second type of user device that is a different type than the set top box; and provide the second listing to the second type of user device.

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Номер записи: 45
29-03-2012 дата публикации

Catalog slicing in a video provisioning system

Номер: US20120079546A1
Автор: Mukunda P. RAJU, Sanjay Ahuja, Srirama R. KALIDINDI, Tulasi Kumar Neeli, Xuejun Hu
Принадлежит: VERIZON PATENT AND LICENSING INC

A system, associated with a video provisioning system, may receive a hierarchical representation of categories and subcategories associated with a catalog of video assets; and condense the hierarchical representation of categories and subcategories into a file. The system may further transmit the file to a set top box, where transmitting the file allows the set top box to access the hierarchical representation of categories and subcategories without retrieving, from the video provisioning system, additional information associated with the hierarchical representation of categories and subcategories.

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Номер записи: 46
05-04-2012 дата публикации

System and method for selling insurance using rapid decision term

Номер: US20120084104A1
Автор: James Harkensee, Richard A. Hemmings
Принадлежит: FIDELITY LIFE ASSOCIATION

An insurance company sells a life insurance policy having a coverage period. The policy provides a total benefit amount which includes an all-cause benefit amount and an accidental death only benefit amount. The policy is initially underwritten on a limited basis and the ratio of the all-cause benefit to the accidental death benefit is low. The insured has the option of providing material to enable comprehensive underwriting and to enable risk classification. If the risk classification improves the policy benefits, the mix of coverage is adjusted to include a higher ratio of the all-cause benefit amount to the accidental death only benefit amount. If the insured does not provide any additional information or materials, or if the materials provided do not result in an underwritten risk classification that enables the policy provisions to be improved, the mix of coverage remains unchanged.

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Номер записи: 47
05-04-2012 дата публикации

Systems and methods for conducting a composite bill payment transaction

Номер: US20120084162A1
Автор: Merrill Brooks Smith, Phil M. Chakiris, Phillip Craig Graves
Принадлежит: E2interactive Inc

The present invention is directed to systems and methods of conducting a payment system, facilitated between a computerized processor, a point-of-sale, a customer, and one or more payees to whom the customer wishes to make a payment. The method including the steps of: receiving composite payment transaction information from the customer—including identifying information of the one or more payees and an indication of the an amount of value the customer wishes to pay to each of the one or more payees, associating an identifier with the composite payment transaction information, providing the identifier to the customer, receiving the identifier from the point-of-sale, receiving an amount of value from the point-of-sale, and providing value to the one or more payees in the amount indicated by the customer in the composite payment transaction information. The system configured to provide payment in a similar manner.

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Номер записи: 48
05-04-2012 дата публикации

Processing An Online Transaction Involving A Payment Service Provider

Номер: US20120084178A1
Автор: Alissa Ryzhova, Angela Kubitzek, Christian Klumpp, Christoph Gerstle, Gero Schulz, Gokula Sundar Ponnusamy, Josef Ehbauer, Marcus Bouwhuis, Marina Laumenis, Martin Dauer, Ralf Rubel, Stefan Troeger, Yangning Peng
Принадлежит: SAP SE

A computer-implemented method for processing an online transaction involving a payment service provider includes receiving, in a backend system and from a frontend system, an initiate payment message generated by a user application for a transaction involving a payment service provider external to the frontend and backend systems. The method includes forwarding a set checkout instruction from the backend system to the payment service provider with first information about the transaction. The method includes redirecting the user application from the frontend system to the payment service provider. The method includes receiving a finalize payment instruction in the backend system from the frontend system after redirecting the user application from the frontend system. The method includes forwarding, in response to the finalize payment instruction, a perform checkout instruction from the backend system to the payment service provider with second information about the transaction.

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Номер записи: 49
05-04-2012 дата публикации

Tenant store sales promotion management system

Номер: US20120084181A1
Автор: Hisashi Miura, Susumu Isozaki
Принадлежит: Miura Printing Corp

A tenant store sales promotion management system. Various kinds of products displayed on product display shelves in the sales space and products for restocking at an inventory storage location of the sales space are presented for sale at the virtual store on the Internet through a system server of the tenant store sales promotion management system. Presenting the product for sale at the virtual store is automatically executed when a sales clerk of the sales space registers products for sale at the sales space in a POS cash register and the product information is read by a terminal communication device and transmitted to the system server. Management of the sale is automatically performed by the system server, and the result is reported to the sales space through the terminal communication device.

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Номер записи: 50
12-04-2012 дата публикации

Method of Delivering Goods and Services Via Media

Номер: US20120089443A1
Автор: Charles W. Reuben, David W. Cunningham, John M. Harden, William N. Engle
Принадлежит: Trialcard Systems Inc

A method for distributing a prescription pharmaceutical product includes recording a unique identifier in a database that identifies a medium and a prescription pharmaceutical product associated with the medium. The database is provisioned with criteria that establish different potential values for the medium. Thus, the medium has a variable value that varies according to the criteria provisioned in the database. A holder of the medium then presents the medium to a provider of the prescription pharmaceutical product. Upon receipt the medium, the provider communicates the unique identifier associated with the medium. Based on the unique identifier of the medium and the variable value criteria provisioned in the database, the value of the medium is determined and communicated to the provider. The holder then utilizes the determined value to purchase the prescription pharmaceutical product associated with the medium.

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Номер записи: 51
12-04-2012 дата публикации

Escrow payment to faciliate on-line transactions

Номер: US20120089483A1
Автор: Amol Patel, German Scipioni
Принадлежит: eBay Inc

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 be 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.

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Номер записи: 52
12-04-2012 дата публикации

Privacy-Preserving Metering

Номер: US20120089494A1
Автор: Alfredo Rial Duran, George Danezis
Принадлежит: Microsoft Corp

Privacy protecting metering is described such as for electricity, gas or water metering, metering use of cloud computing resources, traffic congestion charging and other metering applications. In examples, fine grained user consumption data is kept private and not disclosed to a provider of a resource consumed by the user. In examples, a bill generator receives certified meter readings and a certified pricing policy and generates a bill which omits fine grained user consumption data. For example, the bill generator generates a zero knowledge proof that the bill is correct and sends that proof to a provider together with the bill. In examples a provider is able to check that the bill is correct using the zero knowledge proof without finding out the user's private consumption data. In an embodiment the pricing policy is stored as signed rows of a table to enable efficient generation of the zero knowledge proof.

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Номер записи: 53
12-04-2012 дата публикации

Fee Management System

Номер: US20120089510A1
Автор: Jeremy Martin Peyer, Joshua James Vandebogert, Ryan Robert Fox
Принадлежит: Individual

A system is taught for out-sourced management of educational institution fee arrangements that reduces the contacts with a responsible party of a student during the finalization of fee payment arrangements to a single contact. Specifically, the invention includes a system that includes an apparatus configures to provide a single personalized communication with a responsible party. The single communication includes a third party fee management contract and an educational institution payment contract.

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Номер записи: 54
19-04-2012 дата публикации

Collection agency data access method

Номер: US20120095886A1
Автор: Kevin A. Layne
Принадлежит: Individual

An account data access method allowing access to an agency account database, such as that of a collection or other debt recovery agency, from public sites over a network by agency affiliates and clients of the agency. The invention provides for secure access to a client's accounts using a web browser over the internet. The invention also provides for different levels of access to the accounts among different representatives of the client.

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Номер записи: 55
19-04-2012 дата публикации

Financial management system, and methods and apparatus for use therein

Номер: US20120095887A1
Автор: Anthony John MULLEN, Richard Jeremy Heap
Принадлежит: One Account Ltd

The invention provides a financial management system wherein a real bank account is notionally sub-divided into virtual sub-accounts and transactions are effected between the virtual sub-accounts without affecting the operation of the real bank account, such a system allowing a customer to maintain an automatically updated model of the customer's finances within the single account, thus assisting visualization of his or her financial position, while retaining the benefit of the single account.

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Номер записи: 56
19-04-2012 дата публикации

Navigating an information hierarchy using a mobile communication device

Номер: US20120096358A1
Автор: Melvin L. Barnes, Jr.
Принадлежит: Wounder GmbH LLC

Systems and methods are provided for navigating an information hierarchy using a mobile communication device. The method comprises causing a plurality of selectable items to be presented on a display associated with the mobile communication device, in response to receiving, via an audio input device associated with the mobile communication device, a first voice command indicating that one of the plurality of selectable items is to be selected, causing one of the selectable items in the plurality of selectable items to be displayed differently from the other selectable items to thereby form an accentuated selectable item, and, in response to receiving, via the audio input device, a second voice command indicating that the accentuated selectable item is to be selected, causing information associated with the accentuated selectable item to be presented on the display.

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Номер записи: 57
26-04-2012 дата публикации

Transactional services

Номер: US20120101833A1
Автор: Mehul Desai, Satyan G. Pitroda
Принадлежит: C SAM Inc

Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.

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Номер записи: 58
26-04-2012 дата публикации

Transactional services

Номер: US20120101835A1
Автор: Mehul Desai, Satyan G. Pitroda
Принадлежит: C SAM Inc

Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.

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Номер записи: 59
26-04-2012 дата публикации

Reward system and method for online credit and debit card transactions

Номер: US20120101884A1
Автор: Alexandre Jacques Duroux, Christian Roger Duroux
Принадлежит: CASHKLICK Inc

A reward system and method including a card issuing institution that issues debit or credit cards to cardholders. Each cardholder has a cash back account set up by the institution and a cash back program rewards its cardholders with a cash value dependent on the cardholder's usage of the credit or debit card and depositing the cash value in the cardholder's cash back account. The institution provides the identity of a provider of goods or services to a user and each cardholder has online access to the provider so that the cardholder can purchase goods or services from the provider upon accumulation of a predetermined amount of cash in the cardholder's cash back program. The institution provides an online clearing program for receiving sales information from the provider when a purchase is made by a cardholder and debiting the cardholder's cash with the amount of the sales information.

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Номер записи: 60
26-04-2012 дата публикации

Prepayment system for supplying water or gas by means of a wireless intelligent card and meter for said system

Номер: US20120101910A1
Автор: Edurardo Agustín Neri-Badillo
Принадлежит: Sistemas Integrales de Medicion y Control Stellum SA de CV

A prepayment system for supplying water or gas by means of a wireless intelligent card is described. The present invention also relates to a bidirectional meter specially designed to electronically record the consumption of water or gas.

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Номер записи: 61
03-05-2012 дата публикации

Range of Focus in an Augmented Reality Application

Номер: US20120105476A1
Автор: Erick Tseng
Принадлежит: Google LLC

A computer-implemented augmented reality method includes receiving one or more indications, entered on a mobile computing device by a user of the mobile computing device, of a distance range for determining items to display with an augmented reality application, the distance range representing geographic distance from a base point where the mobile computing device is located. The method also includes selecting, from items in a computer database, one or more items that are located within the distance range from the mobile computing device entered by the user, and providing data for representing labels for the selected one or more items on a visual display of the mobile computing device, the labels corresponding to the selected items, and the items corresponding to geographical features that are within the distance range as measure from the mobile computing device.

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Номер записи: 62
03-05-2012 дата публикации

System and method for consolidating network and identification functions on a communication device

Номер: US20120108296A1
Автор: Paul D. Coppinger
Принадлежит: Apriva LLC

The present invention relates generally to a smart card device that is configured to facilitate wireless network access and credential verification. Specifically, the device is configured to meet the physical and electrical specification for commercially available mobile devices utilizing a standard Subscriber Identity Module (SIM) for network access. The device combines the features of the SIM with Common Access Card or Personal Identity Verification card features to allow a network subscriber to invoke secure payment transactions over a carrier's network. The system includes data storage for maintaining a plurality of network and transaction instrument profiles and a profile gateway for receiving transaction information from a payment gateway, sending an authorization request to a user's mobile device, receiving a transaction authorization from the mobile device, and sending transaction information to a payment gateway to finalize the payment transaction.

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Номер записи: 63
03-05-2012 дата публикации

Transactional services

Номер: US20120109674A1
Автор: Mehul Desai, Satyan G. Pitroda
Принадлежит: C SAM Inc

Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.

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Номер записи: 64
10-05-2012 дата публикации

Transactional services

Номер: US20120116790A1
Автор: Mehul Desai, Satyan G. Pitroda
Принадлежит: C SAM Inc

Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.

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Номер записи: 65
10-05-2012 дата публикации

Internet strawman and user interface therefor

Номер: US20120116862A1
Автор: Gina C. Eubanks
Принадлежит: Sony Corp

A user account including a personal profile is stored by a server for subsequent use. The user is provided a list of displayable entries sortable using specified criteria in a manner that allows the user to review a selection of entries and to make a change to the selection prior to submitting a transaction for processing. Responsive to a request to log into the user account, the identity of the user is verified. Once verified, the transaction is facilitated between a vendor and the user pursuant to instructions from the user. The instructions are generated based on a shopping cart screen rendered by a client device of the user. The user is sent a confirmation message regarding the transaction while the user is logged in the server. The user can be provided an account screen allowing access to information relating to user transactions and information relating to an account balance.

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Номер записи: 66
10-05-2012 дата публикации

Systems and methods for randomized mobile payment

Номер: US20120116902A1
Автор: Donald Michael Cardina, Lee P. Huggins
Принадлежит: Individual

Systems and methods for improving security in mobile payment systems are described. A user device may be operated to request temporary account data for an account. No actual account number may be stored on the device. A remote system may correlate temporary account data to actual account data and transmit temporary account data to the user device, which use the data to make a purchase or generate a temporary account number than may be used to make a purchase. Temporary account data may be automatically erased or expire. A purchase authorization request may be sent by a merchant with temporary account data to a provider of temporary account data. The provider may transmit a request for purchase authorization using actual account data to a payment processor, sending a response to the merchant that does not include actual account data based on a response from the payment processor.

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Номер записи: 67
10-05-2012 дата публикации

Systems, devices and methods for electronically generating, executing and tracking contribution transactions

Номер: US20120116958A1
Автор: Cameron W. Soholt
Принадлежит: Individual

A contribution aggregation system enables a user to purchase or otherwise acquire a block of one or more contribution units from which to contribute desired amounts to selected recipients. This may be performed, for example, by the user logging on to a Web site or other system interface provided by the contribution aggregation computer system and then selecting individual recipients to receive selected donation or contribution amounts. These amounts from various different contributors are then aggregated and totaled to enable a single contribution transaction to be made to the recipient including the amounts contributed to the recipient form the various contributors. The current balance of the contributor's block of one or more contribution units is tracked and the contributor may also input or select comments and/or conditions associated with their individual contributions to individual recipients to be sent to the recipient or otherwise published.

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Номер записи: 68
10-05-2012 дата публикации

Interactive Bill Payment Center

Номер: US20120116969A1
Автор: Blake Earl Hayward, Jennifer Green Scott, John Kelley, Satyen Desai, Senthil Kumar Pandurangan, Srihari Kumar
Принадлежит: Yodlee com Inc

A software suite that provides a bill-payment module and comprises an interactive main interface listing bills due and payment accounts, an interactive history link, an interactive set-up link embedded in the main interface, an interactive transfer-funds link, an interactive calendar link, a plurality of interactive drop-down menus providing upon invocation a plurality of selectable, interactive options for treating the listed bill and an interactive refresh-all link embedded in the main interface.

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Номер записи: 69
17-05-2012 дата публикации

Personalized Interactive Network With Knowledge Management System

Номер: US20120123824A1
Автор: Ameet Patel, Anthony Caiazzo, Jennifer Holme
Принадлежит: JPMorgan Chase Bank NA

Systems and methods are disclosed for personalizing interaction between an information/service/product provider using a knowledge management (KM) system that tracks data exchanged between users and the provider over multiple communication channels. User requests to an information/service/product provider can made via multiple different channels, such as by using ATMs, PDAs, cell phones, computers accessing web sites or other Web Devices, Voice Response Units (VRUs), and others. User requests submitted over these multiple channels are routed into an integrated KM system that services these requests. The user requests are serviced in such a manner that they are personalized in multiple aspects to enrich the user's experience.

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Номер записи: 70
17-05-2012 дата публикации

Smart wallet

Номер: US20120123841A1
Автор: Curtis Ares Sakamoto, Joel Yarbrough, Sebastien Taveau, Westley Martin Stringfellow
Принадлежит: eBay Inc

A service provider provides one or more “best” total value suggestions for one or more items specified by a user. The suggestions are based on one or more of user preferences, user location, available funding options, available local merchant incentives, available manufacturer incentives, and local merchants offering the item. In one embodiment, the “best” total value is the lowest price available to the user. The user may make a purchase using a suggestion or a revised suggestion.

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Номер записи: 71
17-05-2012 дата публикации

Virtual currency configuration apparatuses, methods and systems

Номер: US20120123924A1
Автор: Lex N. Bayer, Mark Rose, Rajiv Dutta
Принадлежит: Playspan Inc

The VIRTUAL CURRENCY CONFIGURATION APPARATUSES, METHODS AND SYSTEMS (“VCC”) transform requests for on-demand and flexible monetization and related services via VCC components into currency transfers, purchase receipt notifications, social networking communications and transaction analytics reports. In some embodiments, the VCC obtains a request to convert a sale price provided in a real currency into a sale price in a virtual currency. The VCC accesses a database to obtain at least one virtual currency management rule provided by a merchant. The VCC identifies one among the at least one obtained virtual currency management rule to apply for converting the sale price provided in the real currency into the sale price in the virtual currency, and calculates the sale price in the virtual currency from the sale price provided in the real currency using the identified virtual currency management rule. The VCC provides the calculated sale price in the virtual currency in response to the request.

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Номер записи: 72
17-05-2012 дата публикации

Internet facilitation of fraud services

Номер: US20120123941A1
Автор: Charlie Kimes, Clint Lowry, David Tanner, Romit Misra
Принадлежит: American Express Travel Related Services Co Inc

A system and method for fraud prevention is provided. The computer based system and method comprises receiving a request for verification services by a merchant transmitted via an Internet browser based platform, performing a fraud assessment by a verification services tool resulting in a verification message, and transmitting a reply to the merchant via an Internet browser based platform including a verification message.

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Номер записи: 73
17-05-2012 дата публикации

Late binding token in system and method for verifying intent in a card not present transaction

Номер: US20120123947A1
Автор: Thomas C. Jones
Принадлежит: Individual

A system for verifying intent in a card not present transaction is provided. The system includes a late binding token that is distributable to consumers without necessarily being bound to an account. The system also includes a client software that locates a token server configured to facilitate managing and communicating with the late binding token. The system also includes a protocol concerning how to build a verifiably secure structured proposal that carries an offer to the consumer through the client software.

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Номер записи: 74
17-05-2012 дата публикации

Quick payment using mobile device binding

Номер: US20120124676A1
Автор: Anshu Gupta, Aruna Susarla, Kent Griffin, Mingzhe Zhu
Принадлежит: Individual

Methods and systems are provided for secure device binding that provides user convenience through avoiding repetitive logging in when changing apps or moving from website to website. A mobile device undergoes binding to an account so that customers do not always have to enter their password when going through a financial transaction process, on a known (e.g., registered) mobile device. A device may be bound during an initial login, and once logged in, the user can select an option to be “remembered” so that the user need not re-login on the same device for future visits with an app or to a website that shares the service provider library.

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Номер записи: 75
24-05-2012 дата публикации

Universal shopping center for international operation

Номер: US20120130852A1
Автор: Doug Mauer, Ed Pool
Принадлежит: Individual

An international transaction system for operation over the internet/intranet provides a pre-transactional calculation of all charges involved in any international transaction. Upon the option of the customer, the goods can be viewed on catalogue sheets translated to a language of the customer's choice, and the price provided in a currency selected by the customer. The customer also has the option of initiating the order with automatic credit authorization, generation of an electronic title or commercial invoice and arrangements and payment of shipping charges and any taxes and import/export duties.

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Номер записи: 76
24-05-2012 дата публикации

Financial milestones and payout system

Номер: US20120130921A1
Автор: Christian Stucchio, David Kuriakose, Joseph G. Williams
Принадлежит: Trading Games Inc

Computer-implemented architectures for providing a milestone-based contingent fundraising platform using actionable information from experts are described. Businesses may, in conjunction with experts, establish milestones and offer a liability based on an offered interest rate and a target amount of funds to raise. Funders may match the business' offer with funding to meet the target raise. If the business achieves the milestone, then it may receive a portion of the funding. In some embodiments, if the business also has a revenue exceeding a threshold, then the funders may receive a portion of the revenue. Alternatively, if the business fails to achieve the milestone, then the funders may receive back their funding plus interest. Experts may be compensated with a portion of either the raised funds or the paid liability. In some embodiments, such a platform may be used for contests in which funders award businesses for achieving skill-based milestones.

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Номер записи: 77
24-05-2012 дата публикации

System and Method for Real-Time Batch Account Processing

Номер: US20120131582A1
Автор: XU Zhao
Принадлежит: Alibaba Group Holding Ltd

The present disclosure discloses a technique for real-time batch account processing. In one aspect, a method includes: (1) receiving, by an account processing center, a marked request for batch processing; (2) caching the marked request; (3) pre-processing sub-requests of a type relating to an account that are in the marked request, including merging operations of a type for processing for the account; and (4) processing the marked request, including the pre-processed sub-requests, to provide a processing result to a corresponding client. The request for batch processing can be directly submitted at the client or submitted by a client through an interface that is provided to the client for submitting a request including the request for batch processing. When submitting the request for batch processing, the client can wait for the processing result online, and obtain the processing result at real-time. Further, when receiving the request for batching processing, the account processing center can pre-process it, e.g., merging operations for the same account, and thus increase efficiency of batch processing.

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Номер записи: 78
31-05-2012 дата публикации

Portable communicator

Номер: US20120135785A1
Автор: Toshiharu Enmei
Принадлежит: ADC Technology Inc

A portable wireless telephone which comprises a housing that includes a microphone and a speaker, a wireless communication device capable of wirelessly connecting to a communication channel and capable of conducting transmission or reception through the communication channel; an input pen detachably connected to the housing; and a pen input controller for detecting the movement of the input pen across an input frame and the movement detected is user data; a display, disposed on the housing having first and second portions, and the first portion includes an input frame and the user data is capable of being entered into the input frame using the input pen and the user data is able to be transmitted using the wireless communication device; a control device capable of executing a display process of displaying an image via the second portion of the display.

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Номер записи: 79
31-05-2012 дата публикации

Method and system for generating a dynamic verification value

Номер: US20120136735A1
Автор: Ayman Hammad, Christian Aabye, Jagdeep Singh Sahota, Patrick Faith
Принадлежит: Individual

A method is disclosed. The method includes generating a verification value in response to a transaction involving a portable consumer device, where the verification value is generated using a first dynamic data element and a second dynamic data element. The verification value is sent to a service provider associated with the portable consumer device so that the service provider can verify the transaction.

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Номер записи: 80
31-05-2012 дата публикации

Bar coded monetary transaction system and method

Номер: US20120136777A1
Автор: Trevor Hanson
Принадлежит: Payscan America Inc

An improved financial transaction device comprising bar-coded information incorporating one of a plurality of algorithmic signatures, the signature being configured to permit at least one party involved in a financial transaction to store pertinent data in a multi-organizational payment tracking database, wherein the signature comprises a payment tracking identifier capable of uniquely referencing a single financial transaction and some of the pertinent data. The transaction may correspond to a format signature which may be in the form of a unique pictographic image representing the arrangement of data on a financial device for comparison against a library or database of signatures for purposes of device recognition.

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Номер записи: 81
07-06-2012 дата публикации

System and method for electronic fund transfers for use with gaming systems

Номер: US20120142403A1
Автор: David M. Weiss, George J. Akmon, John B. Prather, Ronald L. Bishop, Stephen L. Warner, Will W. Graylin
Принадлежит: Automated Cash Systems Inc

An electronic fund transfer (EFT) system for managing and transferring electronic funds from a user's financial account to a credit system includes a credit system configured to dispense credit to a user via physical or electronic credit means, an electronic fund transfer (EFT) device, a secure payment gateway configured to connect to the user's financial accounts via a financial asynchronous transfer mode (ATM) network, a host system connected to the credit system via a local network, a funds management portal connected to the host system and the secure payment gateway, and means for transferring electronic funds from the user's financial account to the credit system via the secure payment gateway. The funds management portal accounts and reconciles the transferred electronic funds. All communications between the secure payment gateway and the host system pass through the funds management portal. The EFT device includes a secure client-side application for receiving instructions from the user for transferring electronic funds from the user's financial account to the credit system and means for transmitting the fund transfer instructions to the user's financial account. The EFT device is configured to connect to the secure payment gateway and to communicate with the user's financial account and to transmit the instructions for transferring electronic funds from the user's financial account to the credit system via the secure payment gateway.

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Номер записи: 82
07-06-2012 дата публикации

System and method for designating accounts from which to trade rewards

Номер: US20120143667A1
Автор: Richard Postrel
Принадлежит: Signature Systems LLC

A system and method for operating a reward points accumulation and redemption program wherein a user earns reward points from a plurality of reward points issuing entities, each of the reward points issuing entities tracking the user's earned reward points in a user reward point account stored on a rewards server. A trading server accumulates the user's earned reward points from each of the reward servers interconnected over a network in association with consideration provided by the reward servers to the trading server and credits the accumulated points into a reward exchange account associated with the user. The user may then select an item for purchase from a merchant computer interconnected to the network. The merchant computer provides the item to the user in exchange for consideration received from said trading server, and the trading server reduces the number of points in the user's reward exchange account in accordance with the consideration provided to the merchant computer.

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Номер записи: 83
07-06-2012 дата публикации

System, method, and computer program product for managing securities funded by a municipal arbitrage portfolio (map)

Номер: US20120143744A1
Автор: II Joseph Meyerhoff
Принадлежит: Meyerhoff Investment Holdings LLC

A system, method, and computer program product for managing securities funded by a municipal arbitrage portfolio (MAP) are set forth herein. A computer receives a daily valuation of a portfolio of securities from an administrator of a special purpose trust (SPT) the portfolio having been issued by the SPT. The portfolio being funded in part by equity from the MAP fund, the MAP fund being an entity subject to securities regulation oversight, the assets of the MAP fund being managed by a fund manager, and the portfolio provides a first series of payments to the MAP fund, the MAP fund having entered into a security agreement with a liquidity provider (LP). A computer verifies the daily valuation of the portfolio. A computer calculates a daily ending net asset value (NAV) of the MAP fund, where the MAP fund holdings include at least the portfolio.

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Номер записи: 84
14-06-2012 дата публикации

Financial Management System

Номер: US20120150678A1
Автор: Elizabeth Rose Dyor
Принадлежит: Elizabeth Rose Dyor

A financial management system includes a client terminal having a financial management application and a graphical user interface. The graphical user interface is configured to display transaction data, enable user modification of the transaction data, and transmit modified transaction data to the financial management application. The financial management system additionally includes a commercial web server capable of conducting online financial transactions. The financial management application receives transaction data regarding an online financial transaction upon completion of the financial transaction.

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Номер записи: 85
14-06-2012 дата публикации

Payment system

Номер: US20120150735A1
Автор: Shane Eric John Prince
Принадлежит: Individual

A payment system transfers funds from a purchaser to a supplier of goods and services. A single use transient credit code provided to the purchaser effects the transfer. The transient credit code is redeemable to a value limited to said transfer of funds thereby preventing subsequent fraudulent use of the code. The payment system apparatus transfers a payment from a purchaser to a supplier of goods and services. The apparatus incorporates a code issue device which keeps track of and generates a list of limited-value, single-use credit codes. The device issues the codes on request, receives notification of use of the codes and marks respective, ones as used. The transfer is done by single-use transient credit codes provided to the purchaser. The codes are redeemable to the value limited to a payment.

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Номер записи: 86
14-06-2012 дата публикации

Systems and methods for automated prefunding of commercial payments

Номер: US20120150738A1
Автор: Allen O. Cage, Kevin Woods, Steve A. Carlson
Принадлежит: AOC Solutions Inc

Methods and systems for prefunded accounts are disclosed, which feature controlled credit limits on cards at the time of prefunding validation, creation of files that are electronically passed to a funding source, and implementation of a single use account. Various types of funding mechanisms can be utilized, including, ACH, wire transfer, or traditional check-based systems. According to the invention, an invoice that names a buying organization can be received by an entity offering prefunded account solutions. This can result in payment instructions being generated and funds being transferred from the organization to a funding entity. Once approval of a payment is received, a funded account can be created by transferring funding information by the solutions provider on behalf of the funding entity to a payment facilitator. When the seller generates account charge instructions, funds can be transferred from the payment facilitator to the seller.

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Номер записи: 87
21-06-2012 дата публикации

System and method for creating and maintaining investor community network

Номер: US20120158579A1
Автор: Paul O'Connor, Sasa Marinic
Принадлежит: Antecy BV

A system is disclosed for raising investment funding of an enterprise. The system comprises social network or a dedicated space on an internet-based social network; a payment system interactively connected to the social network; and a certificate holder database interactively connected to the social network. The system allows raising investment funding from a large number of small investors, without creating an unduly large administrative burden. The social network provides a platform for the exchange of ideas and opinions that are relevant to the course and the business of the enterprise.

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Номер записи: 88
21-06-2012 дата публикации

Method and Apparatus for Efficient, Entertaining Information Delivery

Номер: US20120159547A1
Автор: Dwight Marcus
Принадлежит: Individual

Embodiments of the present invention are directed to a method and apparatus for efficient, entertaining information delivery. In one embodiment, information is partitioned into clips. Clips are selected for a user and packaged together for presentation to the user in an entertaining manner. In one embodiment, the clips are selected and packaged together in accordance with a template. In another embodiment, information about a user is used to select clips. In one embodiment, a user is presented with a stream of information comprised of clips of information assembled for the user. The user may select a clip to retrieve additional information related to the clip. In one embodiment, the selected clip is a portion of a program (e.g., a television show, a movie, a song, an advertisement, etc.) and the additional information is a larger clip of the program and/or the entire program.

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Номер записи: 89
28-06-2012 дата публикации

Mobile phone atm processing methods and systems

Номер: US20120160912A1
Автор: Kevin Laracey
Принадлежит: Paydiant LLC

Embodiments provide systems, methods, processes, computer program code and means for using mobile devices to conduct transactions with ATM devices.

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Номер записи: 90
28-06-2012 дата публикации

Mobile Marketing and Purchasing System

Номер: US20120166279A1
Автор: Nicholas Simon Collins
Принадлежит: Individual

An online system enables a customer to complete a purchase based only upon a product offer identifier, e.g., in a promotional campaign or in offers delivered by coupons. Each customer is associated with a customer device, which accesses the online system via a communications network. A database contains customer records, merchant records and product offer records with one or more merchant offers. A product offer identifier is sent from a customer device, and the online system retrieves corresponding merchant offers. A description of the product offer, along with details of the merchant offers is sent back to the customer device. A user of the device selects a merchant offer, and the selection is sent back to the online system. The system is configured to complete a transaction whereby hinds are transferred from a customer account to a selected merchant account, and the merchant is notified of the transaction.

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Номер записи: 91
28-06-2012 дата публикации

Deferred payment and selective funding and payments

Номер: US20120166311A1
Автор: Brian BIGLIN, Carolyn GROOBEY, Darrell ESCH, Gregg ZIGLER, Gregory LISIEWSKI, John DWIGHT, Michael Wu, Parijat Sinha, Sanjeev KRIPLANI, Sofya POGREB, Thomas Whitford
Принадлежит: eBay Inc

A user is able to change one or more payment options after payment has already been made to a merchant. A payment provider processes a payment request during a transaction with the merchant with default or selected payment options. After the transaction with the merchant is completed and the merchant has been paid, the user may change one or more of the payment options, such as funding source(s) and terms/conditions of payment (e.g., deferment period, installment period/amount, etc.). During the transaction, the user may make a purchase through the payment provider even if the user does not have an account with the payment provider by providing user information, such as name, address, phone number, email address, and date of birth, but not a social security number or funding source information.

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Номер записи: 92
28-06-2012 дата публикации

Enhanced system and method for managing financial market information

Номер: US20120166325A1
Автор: Bernard A. Weinstein
Принадлежит: CFPH LLC

A system and method are provided for managing financial market information. According to certain embodiments, the system includes a computer having a memory, processor, and display. The processor is capable of generating a graphical depiction of the financial market information on the display. The graphical depiction includes a multidimensional representation of a broad range of market information for at least two financial instruments. The graphical depiction resides in a single window on the display. The financial instruments may include multiple different classes of financial instruments, such as treasuries and futures. Different instruments may be selected and information, including basis information, relevant to the selected instruments may be displayed in a second window.

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Номер записи: 93
28-06-2012 дата публикации

Method and system to automate payment for a commerce transaction

Номер: US20120166340A1
Автор: Ha Nguyen, Jeffrey A. Herman, Renee Gentry
Принадлежит: eBay Inc

A method and system to automate payment for a network-based commerce transaction provide a buyer an option to enable an automatic payment service, wherein automatic payment service automatically provides payment to a seller upon a termination event of a network-based commerce transaction. Payment information of the buyer is provided to a network-based payment system upon the occurrence of the termination event.

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Номер записи: 94
05-07-2012 дата публикации

Banking machine that operates responsive to data bearing records

Номер: US20120168498A1
Автор: Charles H. Somers, Jr., Denise Couper, Harold V. Putman, Jay Paul Drummond, Mark D. Smith
Принадлежит: Diebold Inc

An automated banking machine operates to cause financial transfers responsive to data read from data bearing records. The automated banking machine includes a card reader operative to read card data from user cards corresponding to financial accounts. The automated banking machine includes a display and a printer to produce records of financial transactions carried out with the machine. The automated banking machine is operative to carry out financial transfers using resources of the ATM correlated to application instructions responsive to configuration data.

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Номер записи: 95
05-07-2012 дата публикации

Method and Device for Identifying an Electric Vehicle to a Billing Centre

Номер: US20120169282A1
Автор: Armin Gaul, Stefan Helnerus
Принадлежит: RWE AG

Method, device and system for charging electric vehicles. Carrying out 28 on the vehicle side a charging process at a charging station, emitting 30 on the vehicle side an item of information about the charging process and receiving 24 on the vehicle side a current contract key after the emission on the vehicle side of the information about the charging process are proposed for identifying an electric vehicle to a billing centre.

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Номер записи: 96
05-07-2012 дата публикации

System and method for paying citations using sms text messaging

Номер: US20120173410A1
Автор: Matthew J. Gillin
Принадлежит: Relay Holdings LLC

A system and method are provided for enabling the recipient of a citation to pay the associated fine using SMS text messaging. The system includes a server platform programmed to receive an SMS text from a customer, the SMS text including a citation number, a unique identifier for the municipality that issued the citation, and an RFID transponder number and/or a license plate number for the customer that is linked to a payment device, such as a credit card account. Upon receipt of the SMS text, the server platform validates the citation number and municipality unique identifier against a citation database, charges a percentage of the amount of the citation to the payment device linked to the RFID transponder number or license plate number (e.g., a credit or debit account on file), and transfers payment of the percentage of the citation amount to the municipality identified by the unique identifier. The server platform also sends confirmation of payment of the citation to the customer via an SMS text message. The server platform extracts a processing fee for processing payment of the citation.

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Номер записи: 97
05-07-2012 дата публикации

Method and system for computer-based bidirectional pay-per-click bidding and matching between two complementary population groups

Номер: US20120173414A1
Автор: Marc Erfani Hoag
Принадлежит: Marc Erfani Hoag

Computer-implemented systems and methods that enable matching people and/or entities while creating financial disincentives to prevent people and/or entities from over-marketing themselves to their counterparts. The system is implemented as a computerized pay-per-click matching system between two complementary population groups utilizing predefined generalized criteria and user-generated keywords with associated user-defined bid values.

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Номер записи: 98
05-07-2012 дата публикации

Biometric authentication of mobile financial transactions by trusted service managers

Номер: US20120173434A1
Автор: Eric Duprat, Upendra Mardikar
Принадлежит: eBay Inc

A method for authenticating a financial transaction at a point of sale (POS) includes storing an application program in a first secure element of a mobile phone. The application is configured to generate instruction codes to effect the financial transaction upon verification of a user's identity. The user's credentials are stored in a second SE of the phone, which is operable to verify the user's identity from a biometric trait of the user input to the phone and to generate data authenticating the financial transaction in response to the verification of the user's identity. At the POS, the user invokes the application and then inputs a biometric trait to the phone. The second SE verifies the user's identity, and upon verification, generates data authenticating the transaction. The financial transaction data, including the instruction codes and the authenticating data, are then transmitted from the phone to the POS.

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Номер записи: 99
12-07-2012 дата публикации

Transfer Station and End to End Process

Номер: US20120179600A1
Автор: Terry L. Lewis, Walter McGaha
Принадлежит: Bank of America Corp

A system and method for processing ACH transactions is disclosed. In particular embodiments, a method includes receiving one or more files from a client sender, each of the one or more files including a transaction request for one or more ACH transactions. The method also includes storing the one or more files in a memory. The method further includes selecting a file from the received one or more files stored in the memory. The method also includes selecting an ACH processor from a plurality of ACH processors to receive the selected file. The method further includes translating the selected file into a format processable by the selected ACH processor and transmitting the translated file to the selected ACH processor.

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Номер записи: 100