Abstract: The invention concerns a method of making a payment transaction between a customer and a merchant using a payment card (200) of the customer including steps of: transmitting details of the payment transaction from a mobile device (202) to a remote server; capturing at least one image of the payment card using the mobile device of the merchant; transmitting the at least one image of the payment card to the remote server; identifying, by the remote server, the merchant and the payment card captured in the at least one image; and implementing the payment transaction between bank accounts (208, 210) of the customer and the merchant.

Abstract: A method of increasing customer convenience in electronic commerce includes displaying a virtual inventory on a social media service, creating an association between an end user and one of a product and service linked to an organization on the social media service, collecting a set of preferences of the user onto a computer database, processing the end user preferences into a computer storage location, sending a notification to a mobile device linked to the end user, collecting user authentication at a physical location to disburse payment from an account linked to the end user on the social media service and on successful authentication from a computer server associated with the physical location, accepting a payment from an end user linked account into an organization linked account.

Abstract: The subject disclosure relates to a method for providing user notifications related to the release of a movie or other media item. In some implementations, the method includes steps for receiving an interest signal for a user, the interest signal comprising a selection of one or more media items for which the user has indicated an interest; receiving a locations signal, the locations signal comprising location information corresponding with one or more of the user's preferred theatre locations, and searching, a media database to determine if any of the one or more media items is available to the user, wherein searching the media database is performed using the interest signal and the locations signal. Systems and computer readable media are also provided.

Abstract: The present disclosure provides a shopping complex in which consumers can relax and purchase items on a mobile device available for immediate or near immediate delivery.

Abstract: A method and system for providing advertising effectiveness searching capabilities, predictive modeling capabilities and usage mining in a location-based services system is disclosed. During operation of the location-based services system, usage information for advertising campaigns placed on the location-based services system is stored. Advertisers are provided with the ability to enter a search request form on a remote terminal to mine the usage information. The search request is then transmitted to an application that searches usage information to generate a response to said search request.

Abstract: An artist can append a special purchase link to an audio video (AV) file that can be selected by a user to purchase only the audio portion of the AV, which, if not already stored on the server hosting the service, is extracted from the AV, sent to the user, and stored on the host server for retrieval pursuant to subsequent requests from users to purchase only the audio.

Abstract: A system and method for providing ball glove selection is disclosed. The system for selecting an appropriate ball glove for a user can include a database that includes parameters corresponding to one or more ball glove products. The system can further include a user interface configured to collect information corresponding to the user's playing requirements. The system can include a processor that compares the information collected by the user interface with the one or more parameters in the database. As a result of this comparison, the user interface can display one or more ball glove products to the user in order of relevance, as determined by the processor.

Abstract: An article vending machine in a network of article vending machines capable of exchanging an inoperable rental article received from a user for an operable replacement article. The article dispensing machine checks customer identification information against one or more customer rental criteria to determine if the customer is eligible to exchange an inoperable article for an operable one. The article vending machine searches for an identical replacement article within an inventory of the machine itself and within inventories of the networked article vending machines. Alternatively, the article vending machine may provide a refund for the inoperable article.

Abstract: A computerized auction system is used for collecting bids from a plurality of producers. The bids are placed on individual components of a multi-component ensemble. Bids from separate marketers are added and affect the rank of a single ensemble within a potential consumer's ensemble search result. The bids are cooperative as the separate bids on the components are added to form the single bid on the ensemble. The bids are anonymous such that each bidding marketer is kept unaware of whether another marketer's bid was combined with the bidding marketer's bid.

Abstract: A method, non-transitory computer readable medium, and apparatus for verifying a validity of a communication from a fraud detection service are disclosed. For example, the method receives the communication from the fraud detection service indicating that a credit card number is associated with potentially fraudulent activity, provides a personal identification to the fraud detection service via a secured connection to request a confirmation that the communication is from the fraud detection service, wherein the personal identification is used to identify the credit card number and receives the confirmation that the communication is valid and was sent from the fraud detection service based upon a verification performed by the fraud detection service that compares the credit card number to a database containing a plurality of credit card numbers that are flagged for potentially fraudulent activity.

Abstract: A fund management system may determine an investment theme based on aggregated information related to investment research activities of a plurality of users and determine a set of potential users to include in a syndicate for the investment theme, wherein the investment theme comprises a topic on which the syndicate may base a strategy for a new investment fund. The fund management system may notify the first user of inclusion in the set of potential users of the syndicate by providing information about the syndicate; and restricting access of the first user to information related to any members of syndicate or information related to other users in the set of potential users. Responsive to the first user indicating acceptance of membership in the syndicate, the fund management system may add the first user as a member of the syndicate and provide information related to other members of syndicate.

Abstract: Techniques for solar panel wattage determination are provided. A computing device can determine a potential wattage output of a candidate solar panel array using insolation data for a corresponding geographic region, and determine potential energy consumption for a property of a utility customer in the corresponding geographic region using usage data from the property. The computing device can adjust a size of the candidate solar panel array to vary the potential wattage output, and apply a different rate plan to the potential energy consumption for each adjustment to the potential wattage output. The computing device can determine that one of the wattage output adjustments yields a cost efficiency metric that is less than a predetermined threshold. In turn, the computing device provides a notification of the candidate solar panel array corresponding to the cost efficiency metric being less than the predetermined threshold as a recommendation to the corresponding utility customer.

Abstract: An automated documentation system includes a data model manager that maintains at least one object model having a plurality of object classes; an interpretation module that populates the object classes of the data model from at least one source file; a persist module that generates at least one persisted object model associated to the or a respective one of the object models, the at least one object model having a plurality of tables and relationships between the tables, and maintain the at least one persisted object model in a data store, the data store having a plurality of stored persisted object models; and a compare module that compares two persisted object models by comparing at least one of the objects common to the persisted object models, and store a representation of differences identified in the at least one common object in one or both of the two persisted object models.

Abstract: A system for the provision of dynamic, unique and particularized pre-approval information for the purchase of real estate wherein the information provided is particular for the property in question and limited to buyer's approval.

Abstract: A method for predicting consumer behavior includes: storing a plurality of consumer profiles, wherein each consumer profile includes data related to one or more consumers including at least consumer data and a profile identifier; receiving, by a receiving device, an authorization request or clearing record for a payment transaction, wherein the authorization request or clearing record includes at least an indication of the payment transaction as an installment transaction, transaction data, a specific profile identifier, a repayment length, and an installment amount; identifying a specific consumer profile where the included profile identifier corresponds to the specific profile identifier; and transmitting, by a transmitting device, an indication of a propensity to have available funding based on the repayment length, wherein the indication includes at least the consumer data included in the identified specific consumer profile and the installment amount included in the received authorization request or clea

Abstract: Presented are a system, method, and apparatus for loan risk prediction. A computing device receives a plurality of loan account histories containing variables x; a plurality of algorithms then independently selects features from the loan account histories, the selected features being functions of the received variables x; the selected features are then grouped into a first data structure xf; the computing device applies voting algorithm(s) to the selected features to create a second data structure xr; the computing device generates a third data structure xI of interaction terms from the second data structure xr; a fourth data structure is generated, xNL, where xNL=xr?xI or x?xI; a model executes that selects significant features from the fourth data structure xNL; and a nonlinear model y=f(XNLR) is generated, the nonlinear model y indicating risk associated with the plurality of loan account histories.

Abstract: Presented are a system, method, and apparatus for loan risk assessment by assignment of a specific loan account to a loan cluster of a plurality of loan clusters. A computing device receives plurality of loan account histories describing a plurality of loan accounts during a training phase. An appropriate supervised classification method is applied to the loan account histories to obtain a mathematical description of loan cluster set. Next, the computing device receives a test loan account payment history describing a test loan account to be analyzed. The test loan account is assigned to at least one cluster of the previously trained cluster set. One or a plurality of causes is then determined for assigning the test loan account to the cluster set; and a predicted risk value for the test loan account is determined based on the cluster the test loan account is assigned to.

Abstract: Presented are a method, system, and apparatus for semi-automatic and automatic loan risk targeting and action prioritization in loan monitoring applications. In an off-line mode, a computing device associated with a multi-window computer-based tool receives a plurality of loan account histories for loan risk analysis. A predictive multi-output risk model is trained with the received plurality of loan account histories, the predictive multi-output risk model indicating a risk level associated with each of the loan accounts. In an online mode, the user is presented an option for semi-automatic loan analysis, in which the user is presented with output of a predictive multi-output risk model associated with the plurality of loan accounts. The user is also presented with the option for automatic loan analysis, allowing the user to be automatically presented with loan accounts at a greatest level of risk of all loan accounts.

Abstract: A system method for quickly and easily processing a loan application is disclosed. The original application is processed quickly using supplemental technology such as a barcode scanner, mag-stripe reader, biometric or card tap device to fill out the applicant's personal details. If the application is approved a seamless transition is made within the mobile device to collect any additional information and allow the applicant to use e-signatures and sign the document directly on the device. Any additional documents needed to disburse a loan are collected by taking a photo of the document and optionally processing it via OCR with the mobile device's camera.

Abstract: A method performed in a system incorporating a processing unit, an audio capture device, a network interface, a data storage system and a memory, the method being performed in connection with an audio signal containing spoken market imbalance data, the method involving: capturing the audio signal containing spoken market imbalance data using the audio capture device; performing text-to-speech conversion of the captured audio signal containing spoken market imbalance data to obtain textual representation of the audio signal containing spoken market imbalance data; performing parsing of the textual representation of the audio signal containing spoken market imbalance data to obtain parsed textual market imbalance data; performing filtering of the parsed textual market imbalance data to obtain filtered textual market imbalance data; storing the filtered textual market imbalance data in the data storage system; and disseminating the filtered textual market imbalance data.

Abstract: Methods, systems and computer program products are provided for reducing aggregate portfolio statistics. Two or more trades that can be netted are identified. The two or more trades have different fixed rates. A net of underlying trade cash flows of the two or more trades is represented by replacing the two or more trades with two or fewer replacement trades having an aggregate notional amount that is smaller than an aggregate notional amount of the two or more trades.

Abstract: The interface comprises one or more grids, each grid typically associated with a specific security. GUI objects or icons representing orders of a specific quantity may be dragged and dropped onto the grid to place, change, or cancel orders. The Grids are contained within tab pages, which are further contained as tab sets. Status icons are used to represent open, filled, and cancelled orders. The Icon Locate and Order locate feature allows orders on the Grid and Icons in the status panels to be easily associated and cross referenced by a visual indication. Status Icons may be stamped with their associated order type, quantity, trading symbol, and or status. Similarly, the status icons may take the form of corporate logos and adjust in size according to the value or quantity of a position. An Icon packing feature allows status icons to be efficiently placed within their total panel area such that the status icons are visible to the user.

Abstract: System and methods for performing trade-time credit checks to guarantee the availability of credit to clear and settle trades for market participants are disclosed. In one embodiment, an order to buy or sell an amount of a financial instrument is received by the system. The system then determines an amount of a credit support financial instrument available for the market participant. The credit support financial instrument is a synthetically created financial instrument that is issued on an exchange for a market participant. The system then determines whether the amount of the credit support financial instrument available is enough to cover the order and if so, the system executes the order. The system then depletes the amount of the credit support financial instrument available for a subsequent trade by the amount of the executed trade to reflect the reduction in availability of credit for subsequent trades.

Abstract: A computer system for calculating a credit volatility index comprising memory configured to store at least one program; and at least one processor communicatively coupled to the memory, in which the at least one program, when executed by the at least one processor, causes the at least one processor to receive data regarding options on credit default swap index derivatives; calculate, using the data regarding options on credit default swap index derivatives, the credit volatility index; and transmit data regarding the credit volatility index.

Abstract: A symbolic modeling language for trade matching providers techniques to describe the specialized operations of a match engine in a form that can be understood by business analysts and readily translated into program code and test cases by developers and testers. Associated techniques for calculating implied markets and testing can expedite match engine development, testing and maintenance.

Abstract: Systems and methods for improving an efficiency of a system, including a financial exchange system, includes extracting trade data from one or more external data sources, parsing the trade data to identify trade information, comparing the trade information to one or more parameters, creating new trades based on the trade information only when the one or more parameters are satisfied, and offering the new trades to one or more participants.

Abstract: Data visualization processes are provided for expressing diversification of an investment based on each underlying holding weight in the investment relative to each holding's market capitalization weight in the investment and each holding's market capitalization weight in the broad market or by its absolute holding percentage. Visualizations can be depicted in both 2-D and 3-D formats, with area fill, volume fill, color, and/or opacity depicting percentage of coverage. Visualization can show diversification down to the individual holding level and in aggregate levels, such as mega-cap, mid-cap and small-cap.

Abstract: A fund management system may determine an investment theme for a potential investment fund based on investment research activities of a plurality of users of the fund management system. The fund management system may also identify a set of users from the plurality of users to include in a syndicate for the investment theme. The determined investment theme may comprise a topic on which the syndicate may base a strategy for a new investment fund. Responsive to a first user being included in the set of users of the syndicate, information related to the investment theme may be output to the first user.

Abstract: A device may receive a request for a vehicle insurance bid including information that identifies a driver and information that identifies a vehicle associated with the driver. The device may identify an insurer that is to be provided with bidding information associated with the driver and the vehicle. The device may determine a subscription type associated with the insurer that may indicate a scope of the bidding information that is to be provided to the insurer. The device may determine the bidding information based on the subscription type, the request, and driver information associated with the driver and/or the vehicle. The device may provide the bidding information to an insurer device associated with the insurer. The device may receive a bid after providing the bidding information. The device may provide the bid such that the driver can purchase vehicle insurance associated with the bid.

Abstract: Systems and methods for facilitating a dynamic online based community for collectors of collectible items which provides various features, including a feature by which collectibles of all kinds are authenticated and insured against subsequent claims or challenges to that authentication prior to permitting the collectible to be involved in a transaction.

Abstract: Techniques of implementing providing real-time availability of omni-channel sales data are disclosed. In some example embodiments, purchase information comprising information of purchases made by a consumer via a plurality of retail channels is received by a back-end system. The purchase information can be stored on the back-end system. A request to access the stored purchase information can be received from the consumer on a computing device. The request can comprise an identification of a virtual host and an identification of a service to invoke on the back-end system to retrieve the purchase information stored on the back-end system. An identification of an internal host can be determined based on the identification of the virtual host. The identification of the internal host can identify the back-end system. The purchase information can be retrieved from the back-end system using the identification of the internal host and the identification of the service.

Abstract: A method for operating a database for handling multilateral financial compensations, the method being characterized in that it comprises the steps of: providing a legal entities database (307) for storing information regarding legal entities; providing a liabilities database (308) for storing information regarding liabilities of selected legal entities of the legal entities database (307) wherein a record of the liabilities database comprises a first contractor identifier and a second contractor identifier and information regarding amount of the liability; selecting (501) a first liability record, from the liabilities database (308); finding (502) all liabilities records where the second contractor identifier of the first liability equals the first contractor identifier of a second liability and forming a first set of liabilities; finding (503) all liabilities records where the second contractor identifier of each liability from the first set of liabilities equals the first contractor identifier of the first

Abstract: A management system, includes: a first detection unit configured to detect position information of a first haul machine configured to travel along a haul road that leads to a loading area of a mine; a second detection unit configured to detect position information of a second haul machine configured to travel along the haul road; and a processing device configured to receive a detection result from each of the first detection unit and the second detection unit, wherein the processing device is configured to determine that the second haul machine arrives at an entrance of the loading area when the second haul machine arrives at a position behind the first haul machine that is in a standby state at the entrance based on the detection results.

Abstract: A method includes defining a plurality of crop field boundaries such that an area of land falls within each of the plurality of field boundaries. The method further includes maintaining the plurality of crop field boundaries within the crop recordkeeping system, using a first of the crop field boundaries in performing a first function of the crop recordkeeping system executing on a computer, and using a second of the crop field boundaries in performing a second function of the crop recordkeeping system executing on the computer.

Abstract: A system for providing location-based services to a mobile device regularly determines the location of the mobile device. Using the location of the device, the system queries a database of virtual geographic regions to determine if the location of the mobile device falls within one or more of the virtual geographic regions. The virtual geographic regions correspond to service entities that have purchased, rented, leased, or otherwise acquired the virtual geographic regions. The virtual geographic regions cover a certain area of a map. If the mobile device is within a virtual geographic region, the system notifies the mobile device. A location-based services application installed on the mobile device launches an applet for the entity that acquired the virtual geographic region within which the mobile device is located.

Abstract: A method and system for providing advertising effectiveness searching capabilities, predictive modeling capabilities and usage mining in a location-based services system is disclosed. During operation of the location-based services system, usage information for advertising campaigns placed on the location-based services system is stored. Advertisers are provided with the ability to enter a search request form on a remote terminal to mine the usage information. The search request is then transmitted to an application that searches usage information to generate a response to said search request.

Abstract: Certain embodiments are directed to systems and devices for providing an enhanced presentation of a property based on the location of a user or a device on the property.

Abstract: Facilitating a subscription-based on-line property listing as part of an on-line property listing publication service are described. Consistent with some embodiments, in exchange for a fixed fee, a property listing is activated for a fixed duration of time, referred to as an activation period. At the end of the activation period, the property listing is deactivated if the property listing has generated a number of leads equal to or greater than some predetermined threshold number of leads. However, if the number of leads generated during the activation period was less than the threshold number, the property listing is reactivated for a rollover period.

Abstract: A computer implemented method, a computerized apparatus and a computer program product for legal reasoning graph and usage thereof. The computer implemented method comprising obtaining a query from a user; searching in a repository of legal reasoning graphs, wherein the searching is based on the query, wherein each legal reasoning graph in the repository is a graph composed of legal reasonings that cite one another, wherein each legal reasoning is one or more paragraphs extracted from a legal document, wherein in response to the searching, obtaining a result legal reasoning graph; and outputting the result legal reasoning graph.

Abstract: An electronic device creates a contract between two parties and includes an identity determiner that determines and verifies, based on an analysis of a photograph or biometric data of a party to the contract, personal information about the party. A contract creator creates the contract between the parties, and a wireless transmitter transmits the contract over a network to secure storage after the contract receives consent from both parties.

Abstract: A system for submitting an image segment which is relevant, wherein said system then converts the image into an appropriate encoding that can be submitted as a query. The query is then used to match the descriptors of the image segment with those figure or images related to those of a submitted patent. The matched figure of the patent has an associated number which will be matched to a patent element which will then be used to extract the nodes of the patent. Those nodes will be characterized by functional as well as structural descriptions that are located in the narrative of the patent. The system will then use the relevant segments extracted from the patent to construct a narrative that describes the functionality and structure of the element of the image that is described by a patent.

Abstract: A software reconciliation engine utilizes a software rule-based catalog to produce accurate license reconciliation across a wide range of software configurations. A software offering may comprise software installables and corresponding constraints. Installed software and active hardware is discovered by a scanner, stored in an installed software database and active hardware database respectively and is mapped against entitled software offerings to determine whether the installed software is entitled to be installed on the hardware. The installed software has a base product attribute, a used-in-count attribute and a parent-child attribute that are used by the reconciliation engine to compare against the constraints to determine entitlement and report compliance.

Abstract: Systems and methods are provided for identifying non-insurance related financial assistance opportunities for patients as part of the processing of a healthcare transaction. Upon receiving a healthcare transaction from a healthcare provider, the service provider can identify non-insurance related financial assistance opportunities for the patient. The service provider can reject the transaction and transmit the rejection along with a message identifying the non-insurance related financial assistance opportunity to the healthcare provider and await a resubmitted healthcare transaction. In other examples, the service provider can process the healthcare transaction and include a message or code identifying the financial assistance opportunity in the healthcare transaction or an adjudicated response to the healthcare transaction.

Abstract: This invention is a payor-reimbursable method for engaging clinical communication with patients and families to alleviate communication flow problems associated with conflicts between biomedical scientific and other healing paradigms.

Abstract: Technology is directed to an interactive text message based coaching program (“the technology”). A user enrolled in a campaign interacts with a server to obtain guidance on performing a set of tasks of the campaign to achieve a health goal. The user interacts with the server via text messages using a mobile computing device. After the health goal of the user is identified, the server generates text messages having information related to the campaign. The text messages are generated based on the health goal for the user, and are customized for the user. The server sends the text messages to the user in a sequence, wherein a next text message of the sequence sent to the user is based on a response received from the user for a previous text message of the sequence.

Abstract: Electronic signatures are authenticated utilizing near field communication (NFC) devices as proof of identity. An identification service collects an identification of a NFC device associated with a signer of a contract. The identification may be utilized as an access control mechanism that enables the signer to receive, view, or sign the contract. An electronic signature associated with the signer is received. The identification of the NFC device and the electronic signature of the signer are recorded in the contract and/or audit information associated with the contract.

Abstract: A system and method for monitoring a passenger requiring assistance during travel, such as an unaccompanied minor, a disabled passenger, or an elderly passenger, on a common carrier. The system includes a machine-readable tag such as a Quick Response code (QR code) or a RFID tag that references passenger information, including itinerary information. A first mobile device of a first agent decodes the QR code to present the unaccompanied minor information. A second mobile device of a second agent decodes the QR code to present the unaccompanied minor information. In one embodiment, the QR code includes a uniform resource locator (URL) for accessing the passenger information and the first and second agents can authorize and accept the transfer of the unaccompanied minor by interfacing with a user interface.

Abstract: A crisis information exchange manages the exchange of crisis-related information among multiple individual users and organizations. A safety communications service (SCS) manages information flow between users and organizations without compromising the security of the private networks of organizations protected by firewalls. The SCS manages subscription data for controlling what information is received by particular users and organizations, providing subscription services including automated subscriptions services based on configurable business rules. User-initiated communications are routed to multiple organizations and/or other users based on configurable business rules. Organization-initiated communications are routed to multiple individual users and/or organizations based on configurable business rules.

Abstract: According to some embodiments, a system and a method of transmitting identity verification information to a merchant include receiving an account identifier from a user in response to the user interacting with a merchant. The user is authenticated based on the account identifier and identity verification information is transmitted to the merchant.

Abstract: A crisis-related information hub manages the exchange of crisis-related information among multiple individual users and organizations. A safety communications service (SCS) manages information flow between users and organizations without compromising the security of the private networks of organizations protected by firewalls. The SCS manages relationship data for controlling what information is received by particular users and organizations, providing subscription services including relationship generation services based on configurable business rules. User-initiated communications are routed to multiple organizations and/or other users based on configurable business rules using user and organization attributes. Organization-initiated communications are routed to individual users or organizations based on configurable business rules using user and organization attributes.