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Inventi Impact - Retailing & Consumer Services

Patent Watch

  • Seller automated engine architecture and methodology for optimized pricing strategies in automated real-time iterative reverse auctions over the internet and the like for the purchase and sale of goods and services

    An improved seller automated engine architecture methodology particularly (though not exclusively) for use in automated real-time iterative reverse auctions over the Internet and the like for the purchase and sale of goods and services, providing a choice of architectural implementations while enabling price optimization on market share-directed considerations, specific sales target-directed implementations, seller utility derivative-following implementations, model optimizer implementations and explorations, mathematical optimization-oriented and rules-based implementations.

  • Retail display systems and methods

    A retail display system includes a first bracket having a mounting portion defining a substantially arcuate face, a first arm having at least one insertion tab, and a second arm having at least one insertion tab. The first bracket is secured to a back face of a first display article including a backer and an image of a first product. The display article defines a border coterminous with a periphery of the first product. The display article is maintained by the backer by flexing the first display article to shape the first display article to the mounting portion of the first bracket and by securing the flexed, first display article to the first bracket.

  • Methods and systems for market clearance

    In a marketplace, offers are processed that are intended to be associated with other offers in a pool. The offers specify conditions for acceptance. Improvable offers are received that are capable of being associated with offers having more favorable specifications than initial offers associated with the improvable offers. Nonimprovable offers that have more favorable specifications than initial offers associated with improvable offers are identified. The identified nonimprovable offers are associated with corresponding improvable offers. Straddles, which comprise a set of offers and a limit on the associations, may span multiple pools. Information about the marketplace may be obtained from data generated by the operation of the market place.

  • Virtual speaker demonstration system and virtual noise simulation

    A virtual speaker demonstration system is disclosed that permits a retail outlet to use a reference speaker to demonstrate the performance of multiple different demonstration speakers. A user interface permits a user to select a demonstration speaker and signal processing is performed so that the output from the reference speaker simulates the output of the selected demonstration speaker. The invention provides benefits to all three of the consumer, the retailer, and the manufacturer. The consumer can listen to and compare multiple demonstration speakers easily and conveniently from the same reference speaker. The retailer to use a single (or few) reference speaker to demonstrate the performance of multiple demonstration speakers, saving costs and space. The manufacturer to be able to display and demonstrate to consumers a broader range of the manufacturer's product line.

  • Real-time sales support and learning tool

    A real time sales support method includes automatically monitoring an interaction between a sales agent and a customer. One or more contexts of the interaction are determined and, based on the contexts, stored information relevant to the interaction is automatically retrieved. The retrieved information is provided in an electronically presentable format to the sales agent to be shared with the customer.

  • Virtual catalog and product presentation method and apparatus

    An apparatus and method is disclosed for the comparison of a plurality of selected products on the display of a remote computer. In one illustrated embodiment, product data is displayed for a side-by-side comparison.

  • Dispensing apparatus system and method

    An automatic dispensing apparatus system and method for dispensing predetermined objects is disclosed. More particularly, the invention is an automatic bottled water dispensing apparatus system and method having a housing which houses various sizes of bottled water and a conveyor system for transporting the bottled water to a dispensing member for a customer. The dispensing apparatus system also includes a return machine for returning empty bottles, a plurality of selection members, a payment member and an inventory monitoring member.

  • Systems, methods and computer program products for implementing processes relating to retail sales

    The present invention provides a system that facilitates the selection of purchasable items for use in an environs defined by the customer. In one aspect, the system includes a processing element capable of proposing a plurality of purchasable items to the customer for selection by the customer. The processing element also is capable of receiving data representing the environs and data representing at least one purchasable item selected by the customer. The processing element is further capable of generating and displaying a three-dimensional graphical representation of the environs and each purchasable item or items selected by the customer so that the customer can visualize the items in the environs.

  • Providing multiple MSISDN numbers in a mobile device with a single IMSI

    A SIMM System and method is provided that supports many Mobile Subscriber Integrated Service Digital Network (MSISDN) numbers on a mobile device. The mobile device includes one Subscriber Identity Module (SIM) and one International Mobile Subscriber Identity (IMSI). The SIMM system includes at least one signal gateway that supports the use of numerous MSISDN numbers by the mobile device. The signal gateway couples among components of the public mobile networks to which the MSISDN numbers correspond. The signal gateway connects calls between the mobile device and a first public mobile network using a first MSISDN where, for example, the first public mobile network is in a first country. Likewise, the signal gateway connects calls between the mobile device and a second public mobile network using a second MSISDN where, for example, the second public mobile network is in a second country.

  • Portable memory automobile ignition system

    A portable memory device consisting of a cell phone used in substitution of an automobile key and interfaced with an automobile onboard computer and ignition system. The portable memory device contains data that, when read by the onboard computer, enables the ignition system. The portable memory device is read and write capable, thereby allowing for data to be used by the onboard computer in conjunction with several automobile systems, and allowing for data to be transferred from said systems to the portable memory device by the onboard computer, thus facilitating vehicle operation and, in one embodiment, a method for managing a transportation fleet using portable memory devices in place of mechanical ignition keys and manual check-out and check-in procedures.

  • Method for providing a retailer with out-of-home advertising capabilities

    A system and method for providing a subscription-based, electronic signage advertisement service to retailers may include establishing a retailer as a subscriber for use of an electronic display. A subscription agreement may enable the retailer to use the electronic display and receive communications services for content to be distributed to the electronic display. The electronic display may be provided to the retailer and configured to receive and display the content by configuring the electronic display as a network node for content to be distributed. The content may be stored in a data repository and distributed to the electronic display at the retailer. The content may be distributed via a communications network to the electronic display and displayed at the retailer.

  • Systems and methods for optimizing total merchandise profitability

    In one such aspect, the invention provides a method for optimizing merchandise profitability that includes the step of modeling gross margin as a function of product breadth and depth for each of at least one class of goods retailed by each of at least one retail site in a group of sites of the retail enterprise, and as a function of the expected discount price for each such class of goods at each such retail site. The method further includes maximizing the gross margin so modeled to the enterprise and, from that maximization, determining for at least one such retail site an optimal breadth, depth, and/or discount price, for at least one such class of goods retailed by it.

  • Products and processes for managing the prices of vending machine inventory

    According to one embodiment of the disclosed invention, an apparatus determines a current price of a product for sale by the vending machine. It then determines, for the product, a price increment, a predetermined price, and a demand threshold, that are defined by data stored in at least one data table. A rate of units of the product that are sold are determined. The rate is compared with the demand threshold.Based on the comparison of the rate with the demand data, it is determined whether the new price should be greater than or less than the current price. The new price is set to the predetermined price if the new price should be greater than the current price. If the new price should be less than the current price, a price increment amount is subtracted from the current price to yield the new price. The determined new price is displayed.

  • Method and apparatus for verifying product sale transactions and processing product returns

    The present invention relates to a computer-based system that provides a method for real time data storage and retrieval for the purpose of verifying and validating sales transactions and product return/warranty repair eligibility. An electronic product registration system is provided which stores information on purchased products and which enables a retail store or the like to verify compliance with return policies prior to accepting a product for return or replacement, thereby reducing improper or fraudulent product returns under warranty, while also providing related functionality to third parties such as law enforcement agencies and the like.

  • Garment hanger

    A garment hanger comprises a header card and a clamp, the header card being preferably "free-floating" relative to the clamp to give a prospective purchaser a sense that the clamp is attached more to the garment than to the header card and that the card is thus disposable after purchase. In one embodiment, a hanger for displaying and holding an article such as a pair of gloves comprises a clothespin-like clamp comprising a pair of jaws resiliently biased about a pivot region to a closed, article-holding position, and a header defining an opening for receiving the pivot region of the clamp. Preferably, the opening in the header is larger than the pivot region of the clamp so as to provide for relative movement between the clamp and the header.

  • System and method for swapping of tangible items

    A system and method for an on-line swapping service. The service registers members and allows members to list items that each member is willing to swap in exchange for credits with the service for an item from listed by another member. An example of the items that may be swapped using the swapping service is books, such as paperback books. To facilitate delivery through the mail of an item from one member to another member, a printable mailing wrapper is created by the system with the appropriate destination address. The system emails, downloads or otherwise sends the mailing wrapper to the member who is in position of the item to be shipped. That member simply prints the mailing wrapper on a standard printer, and wraps it around the item to be shipped via standard postal services.

  • Retail store construction and methods of storing and displaying merchandise

    A building construction includes an exterior structure, a secondary floor, and an access structure. The exterior structure includes at least four exterior walls, a primary floor and a roof defining a primary storage space wherein merchandise is stored and displayed. The secondary floor defines a secondary storage and display space within the primary storage space. The secondary floor is spaced above the primary floor a distance sufficient for the display of merchandise between the secondary and primary floors. The secondary floor is also exposed within the primary interior storage space. The access structure provides access between the primary floor and the secondary storage and display space. An excess number of merchandise items stored on the primary floor are stored in the secondary storage space and accessible via the access structure.

  • System and method for shopping cart security

    A system for securing purchased items, includes: an enclosure for holding items selected by a user; a personal shopping system (PSS) further comprised of an input/output device, a scanner, software, and security features for securing the items selected by the user and placed in the enclosure; wherein the PSS is in electrical signal communication with a server; wherein the PSS is mechanically attached to the enclosure; wherein the user identifies themselves to the PSS; wherein the security features activate one of a series of visual indicators and alarms in response to various states and relationships between the enclosure, the items, and the user; and wherein the intensity, level, and duration of the series of visual indicators and alarms varies in response to the various states and relationships between the enclosure, the items, and the user.

  • Dynamic allocation of postal security devices

    A system for dynamically allocating one or more postal security devices (PSDs), includes an indicia pool utilizing PSDs for generating indicia, a download pool for refreshing PSD funds, and a means for allocating the one or more PSDs among the indicia pool and download pool according to indicia generating requirements and funding amounts within the one or more PSDs.

  • Street light mounted network-controlled charge transfer device for electric vehicles

    A network-controlled charge transfer device for transferring charge between a local power grid and an electric vehicle is mounted to a street light. The charge transfer device includes the following: an electrical receptacle to receive an electrical connector for connection to the electric vehicle; an electric power line that couples the power grid to the electrical receptacle through a wiring box; a control device to switch the receptacle on and off; a current measuring device to measure current flowing through the electric power line; and a controller to operate the control device and to monitor output from the current measuring device.

  • Internet contextual advertisement delivery system

    This invention relates to a system and method for presenting to a user relevant areas of distributed computer network sites. In particular, the invention disclosed, infers, and cross references user mind sets with data stores of potential user goals. The user mind sets indicate a navigational goal of a user over the distributed computer network. In addition, the invention cross-references indicated user goals with data stores of service and service providers providing those services. The invention presents targeted service and service providers to the user across the distributed computer network thereby enabling the user to navigate towards the user goal.

  • Documenting remote engagements

    A service provider is prompted to provide a summary of an engagement with a consumer, an audible summary provided by the provider is recorded and, and the audible summary is associated with a record of the engagement.

  • Cursor component for messaging service

    A messaging service is described that incorporates messages into cached link lists. The messages are not yet acknowledged as having been received by one or more consumers to whom the messages were sent. A separate link list exists for each of a plurality of different message priority levels. Messages within a same link list are ordered in their link list in the same order in which they where received by the messaging service. At least one of the link lists contains an element that represents one or more messages that are persisted but are not cached in any of the cached link lists.

  • Medical listener

    An engagement is brokered between a consumer and a medical service provider; electronic text of a real-time, text-based communication between the medical service provider and the consumer is monitored during the engagement; the electronic text is analyzed for a triggering event related to at least one of medical diagnosis and medical treatment; the triggering event is detected in the electronic text; and medical information is provided to the medical service provider via a user interface in response to the triggering event.

  • Distribution of content

    Among other things, publishers of digital content are enabled each to define, for each of one or more digital content items, a style in which the digital content item is to be presented to a user and a condition under which the user may have the digital content item presented. The digital content items are stored in a content library, the styles and conditions associated with the digital content items are stored in a server. Each of the digital content items is enabled to be presented to users within presentation contexts that are accessible to the users and controlled by presentation context providers. The presentation of the digital content items includes obtaining the digital content items from the server and controlling the presentation to occur under the conditions and in the styles defined by the publishers.

  • METHOD AND SYSTEM FOR INTEGRATING TELEVISION BRAND ADVERTISING WITH PROMOTIONAL MARKETING

    A method for integrating television brand advertising with promotional marketing includes providing an image to be displayed in different television commercials for products from different advertisers, the image indicating a website; and providing at the website coupon offers for the products from the different advertisers. The image will alert a viewer of the television commercial that a special coupon offer is available at a website. The viewer will go to the website and be able to select from one or more coupon offers available to consumers in their market area. The consumer then prints the coupons, or adds credit to a coupon card, which is then redeemed at the retailer. The system allows for Point Of Sale (POS) redemption, or more traditional redemption through a coupon clearinghouse. The television commercials may be encoded with information to be used at a television signal processing location for selecting the images, and different images may be provided to television signal processing locations associated with different market areas.

  • RESOURCE-AWARE SYSTEM, METHOD AND PROGRAM PRODUCT FOR MANAGING REQUEST TRAFFIC BASED ON A MANAGEMENT POLICY

    Under the present invention, the performance of a set of system resources is monitored in response to incoming request traffic. When a system resource is approaching an overload condition, a corrective action is identified and implemented. Overload thresholds for each system resource and appropriate corrective actions are contained within a management policy. Based on a performance history of the corrective actions, the management policy can be changed/revised.

  • Purchase and Delivery of Goods and Services, and Payment Gateway in An Augmented Reality-Enabled Distribution Network

    The present invention relates to systems and methods for purchasing goods and services in an augmented reality-enabled distribution network. The system includes a server supporting the presentation of information within augmented reality of a plurality of participants. A communication network is included for facilitating the transfer of information from the server to devices of the plurality of participants. Also included is a purchase and delivery exchange that facilitates the sale of goods and services deliverable through augmented reality. In addition, a payment gateway facilitates the transfer of funds between a buyer and seller in association with a transaction conducted through the purchase and delivery exchange.

  • SHOPPING ASSISTANT

    Various embodiments are disclosed herein that relate to the dynamic calculation and presentation of efficient travel routes for in-person shoppers. For example, an adaptive shopping server system is configured to generate, for display on a shopping client device, an efficient travel route to a location of one or more user-requested merchandise items, the efficient travel route being advantageously distinct relative to other potential travel routes in consideration of a route efficiency selection criterion received from the shopping client device.

  • Method for Processing Cash Payment for Online Purchases

    A system and method for processing a cash payment for an online purchase is provided herein, including purchasing online from a payee at least one item of goods or services by a payer defining a transaction; generating a bill for an amount due to the payee by the payer for the item, the bill including a unique identifier for the transaction; paying for the bill in cash by the payer to a third party the amount due to the payee; confirming payer's payment in cash for the item to the payee; and delivering to the payee all or a portion of the amount due to the payee from the payer.

  • METHOD TO PROVIDE AN OPTION TO THE CUSTOMER RELATION MANAGEMENT (CRM) USER TO SELECT FROM A LIST OF SHORT MESSAGE SERVICE (SMS) GATEWAYS FROM THE GRAPHICAL USER INTERFACE (GUI) BEFORE SENDING OUT AN SMS MESSAGE

    A method and system to transmit SMS message to an SMS Gateway (belonging to selected Service Provider) selected from a list on the GUI component of the CRM application, depending upon the geographical location of the Customer is disclosed. The GUI component provides a list of configured Service Providers that may be selected before sending outbound SMS message to a recipient. A unique Service Provider identifier is assigned to each of the configured Service Provider belonging to Customer's network/country. Depending upon the geographical location of the Customer, the Service Provider is selected from the list on the GUI component and the SMS message is transmitted to the customer wherein the method identifies the SMS Gateway to which it has to connect, and transmits the SMS message. The method internally fetches the details of SMS Gateway based on Service Provider ID and uses it to communicate with the appropriate SMS Gateway.

  • SYSTEM, METHOD AND COMPUTER PROGRAM PRODUCT FOR SERVING AN APPLICATION FROM A CUSTOM SUBDOMAIN

    In accordance with embodiments, there are provided mechanisms and methods for serving an application from a custom subdomain. These mechanisms and methods for serving an application from a custom subdomain can enable improved data security, enhanced system performance, optimized resource utilization, etc.

  • SYSTEM, METHOD AND COMPUTER PROGRAM PRODUCT FOR SERVING AN APPLICATION FROM A CUSTOM SUBDOMAIN

    A system is disclosed in which a wireless device is monitored and maintained over a network. One embodiment of the system comprises a wireless device including: a service to maintain data objects, provide messaging capability, and provide data access capability on behalf of a user of the wireless device; and a rules engine communicatively coupled to the service to execute a set of rules transmitted to the wireless device from a server, the set of rules to instruct the rules engine to gather information related to the wireless device and to take action on the wireless device based on the gathered information.

  • SYSTEMS AND METHODS FOR STORING AND SEARCHING DATA IN A CUSTOMER CENTER ENVIRONMENT

    Systems and methods for storing data in a customer center environment are provided. In this regard, a representative method comprises: generating data from workforce applications, at least one of the workforce applications including at least one of forecasting, scheduling, recording, and monitoring functionalities; and storing the data from the at least one of the workforce applications in a storage area network (SAN), the SAN being operable to connect the at least one of the workforce applications to computer storage devices. The method can further include keeping recorded contacts in a long term storage device such as the SAN or an operational data store (ODS) and transparently searching in both the ODS and the SAN simultaneously. With a concept of moving data on to a file system SAN which is cheaper as compared to a database technology such as ODS, the method facilitates predictable performance from the ODS and easier manageability with constant cost from SAN

  • METHOD AND SYSTEM FOR CANCELING ORDERS FOR FINANCIAL ARTICLES OF TRADES

    Market data is monitored for purposes of canceling orders for financial articles of trade. Real-time data is collected from multiple liquidity destinations trading at least one financial article of trade. The real-time data comprises disparate data corresponding to associated liquidity destinations. The collected real-time data is normalized into a standardized form. A condition is defined of a trading market that includes one or both of submitted and executed transactions of financial articles of trade over the multiple liquidity destinations. The condition is associated with an entity. Through monitoring of the normalized real-time data, an event is identified in the trading market that matches the condition. Upon identification of the condition, at least one communication session between the entity and a corresponding liquidity destination is terminated causing a process at the corresponding liquidity destination to cancel pending or outstanding orders for financial articles of trades from the entity.

  • System and Method for Providing Financial Incentives and Discentives Based on a Consumer Activity

    A system and method for providing financial incentives and disincentives to a consumer based on a consumer activity. A record related to the consumer activity is received by a Computer Server and stored in a Consumer Database. The Consumer Database includes historical consumer activity associated with the registered consumer. The historical consumer activity is transmitted to at least one registered marketing entity. Based on the historical consumer activity, the registered marketing entity provides a financial incentive and/or disincentive which is processed and automatically applied to a qualified registered consumer.

  • METHOD FOR IMPROVING CUSTOMER SURVEY SYSTEM

    A global customer satisfaction system includes point-of-sale customer feedback terminals for receiving in-store customer feedback including satisfaction ratings and other customer feedback regarding participating vendors as the customer pays for purchases. The system also includes post-sale customer feedback terminals for receiving more detailed customer feedback regarding the vendors from members after the sales have been completed. The system also includes an aggregation and dissemination system for combining the ratings received form customers into global customer satisfaction ratings for participating vendors, and disseminating the customer satisfaction information through customer satisfaction qualified directories, which are organized or searchable by geographical, type of product or service offered by the participating vendors, and other factors.

  • Systems, methods, and media for placing orders to trade securities

    Systems, methods, and media for placing orders to trade a security are provided. In some embodiments, for example, methods comprise: receiving an order to trade a security; determining an execution rate for the order, determining a darkness threshold for the order; selecting one or more routes for one or more working orders of the order based on at least the darkness threshold; scoring the one or more routes; allocating size to the one or more working orders based on the scoring and the execution rate; creating the one or more working orders; and sending the one or more working orders to the one or more routes for execution.

  • ALTERNATE DELIVERY LOCATION METHODS AND SYSTEMS

    Methods and systems disclosed herein are used to deliver a package or product to an alternate delivery location (ADL) for pick up by a customer or authorized retriever. The customer can register to receive delivery of a package or product with an ADL solution provider before delivery of the product, or may do so when purchasing the product. Alternatively, a product or package can be shipped from sender to an ADL for pick up by a person, outside of the context of purchasing a product. The methods and systems also offer the capability to track transported packages or products.

  • Method for Delivering Content to Receiver

    A method is disclosed for delivering content to an internet capable receiver. The receiver is adapted to receive the content via a medium supported by a medium provider. The method includes the steps of appointing at least one content provider for supplying the content to the receiver and appointing at least one advertiser for supplying advertisements to the receiver. The method includes the steps of securing payments from the at least one advertiser for the advertisements supplied to the receiver; and disbursing at least a portion of the secured payments to the at least one content provider and to the medium provider.

  • SYSTEMS AND METHODS FOR MOBILE ORDER APPLICATIONS IN RETAIL ENVIRONMENTS

    Systems and methods for mobile order application in retail environments allow consumers to initiate orders for items (such as food or beverage) or other services on a venue's premises directly with a merchant via a smart phone. A venue's staff may immediately view and fulfill the order, which is made available for pickup or delivery based on a consumer's preference. A merchant may capitalize on demand during peak hours, optimize their workforce, and have access to consumer buying behavior and data to refine their product and service offerings. Consumers and vendors are also able to utilize on-premise social networking capabilities that allow people who are at the same venue to communicate with each other while at the venue. In addition, the mobile ordering application may leverage information from third party social networking sites. Merchants and advertisers may send real time suggestive advertising messages and digital gifts to potential customers to drive traffic to their venue(s).

  • Targeted marketing to on-hold customer

    Systems and methods are described for delivering targeted content to a customer through a voice response unit (VRU). When the customer calls into the VRU, the customer is prompted to enter identification information. A unique customer identification code (UCIC) associated with the customer is used to look up an anonymized customer profile stored by a third party server. An advertisement identification code (ADIC) associated with the anonymized customer profile is used to identify targeted offers for the customer. The customer is then informed of the targeted offers verbally by the VRU. Optionally, the customer is presented with details of the offer verbally via the VRU. According to another aspect, the customer can select alternate media for delivery of the offer details (e.g., email, text message, etc.).

  • Method for increasing sales at an automobile dealership by providing instantaneous personalized inventory price quotes or payment estimates via internet

    This invention allows a customer to browse the inventory on a dealership's website and obtain an immediate personalized price or payment quote without further interaction from dealership personnel.

  • CUSTOMER REWARD SYSTEM FOR PROVIDING MULTIPLE REWARD TYPES INCLUDING MOBILE/WIRELESS DEVICE REWARDS

    A customer reward method involves monitoring customer in-store purchases utilizing an in-store point-of-sale computer system and awarding customer points based upon such in-store purchases; storing both (i) cumulative customer point data and (ii) customer point transaction data in a customer database, the customer point transaction data including transaction date and time data; accessing the cumulative customer point data to determine a first customer reward applicable to purchase of a specific product, the first customer reward triggered by identification of the customer's intent to purchase the specific product; and periodically transferring new customer point transaction data to a third party computer system for use by the third party computer system in identifying a second customer reward applicable to use of a customer mobile phone, such that customer points earned by the customer for in-store purchases are used to define two distinct reward types for the customer.

  • Retail Location Services

    Methods of preparing retail establishments are disclosed. An area for a retail location may be chosen and an individual may be selected to manage the retail location. The selection of the area may include an evaluation of geographical factors. From the area, a retail location may be selected based on an aggregate score of a set of characteristics of the retail location. The individual may remotely select the layout and furnishing of the retail location and may remotely monitor the progress of the preparation of the retail location. In an embodiment, the individual may be prepared to manage the retail location at a centralized location that is distinct from the area where the retail location is located.

  • Predicting Shopper Traffic at a Retail Store

    Mathematical models for predicting shopper traffic at a shopper region useful for developing inter alia a metric for measuring impressions to in-store advertising.

  • Method and System of Converting a Generic Tool and Customer Service System into a Specific Tool and Specific Customer Service System

    Provided is a method for converting a generic system into a specifically-branded system after the sale of an item. The method alleviates a supplier's inventory burdens by allowing the supplier to inventory generic items, rather than items specifically branded for a particular retailer. The items may be branded with the selling retailer's logo or indicia after the sale of the item. Furthermore, the item may be associated with a customer service system, which may also be branded with the selling retailer's logo after the sale of the item. The conversion of the item and customer service system from a generic item and system into a specifically-branded item and system may foster the relationship between the supplier and retailer and entice the retailer to maintain the relationship with the supplier.

  • SYSTEM AND METHOD FOR PROVIDING INFORMATION ACCESS ON A PORTABLE DEVICE

    A system and method of providing information stored in a memory is provided. The system comprises an information repository for storing information and an access module for providing access to the information in response to a predetermined operation performed on a man-machine interface. The method includes the steps of storing information in a memory and providing access to the information in dependence upon at least one predetermined operation.

  • METHODS AND APPARATUS TO DISCOVER AUTHENTICATION INFORMATION IN A WIRELESS NETWORKING ENVIRONMENT

    Example methods and apparatus to discover authentication information in a wireless networking environment are disclosed. A disclosed example method involves transmitting, during network discovery, a Generic Advertisement Services (GAS) request to a network access point, the GAS request requesting authentication information, the authentication information being indicative of a credential required from a wireless terminal. In addition, a response to the GAS request is received from the network access point. The response includes the authentication information.

  • METHODS AND APPARATUS FOR THWARTING WATERMARK DETECTION CIRCUMVENTION

    Methods and apparatus for thwarting circumvention of watermark detection are provided. When content is received at a device that is equipped with a watermark extractor, an attacker may disguise the form of the received content in an attempt to circumvent detection of watermarks that are embedded in the content. A signal processing operation is performed on the received content such that the signal processing operation does not significantly degrade the perceptual quality of the content if the content is indeed in the form that is purported to be. The signal processing operation, however, significantly degrades the perceptual quality of the content if the content is in a different form, thereby discouraging the attacker's attempts to thwart watermark detection.

  • SYSTEMS AND METHODS FOR PROVIDING CONTENT AND SERVICES ON A NETWORK SYSTEM

    Systems and methods for managing and providing content and services on a network system. Aspects of the invention include location-based determination of network content and services that may be provided to client computers. Other aspects of the invention include authorization and authentication components that determine access rights of client computers. Additional aspects include systems and methods for redirecting client computers to different network content. The disclosed systems and methods may be used in numerous network system applications.

  • Methods And Systems For Providing A Document

    Systems and methods for providing a document are described. In one described method, a document comprising a portion selected by a first member of a social network is hosted for the first member. The portion is dynamically updated with content. An audience criterion for the portion and a type of relationship between the first member and a second member of the social network are identified. If the type of relationship between the first member and the second member satisfies the audience criterion, the second member is provided access to at least the portion.

  • Efficient Generation Of Static Bitmaps

    A method of generating a bitmap entails transmitting a request for map data from a computing device to a map server, the request comprising a location for a map, a height of the map, a width of the map, and an image format. The method further entails receiving the map data for the map in response to transmitting the request for map data, and generating the bitmap locally on the computing device. The method may also involve obtaining customized overlay map data for combining with the other map data to generate the bitmap.

  • CONTENT EXTRACTOR

    Systems and methods for extracting data related to product sales and businesses that sell products are disclosed. The method may include obtaining a database connection parameter and a remote system connection parameter. The method also may include establishing a connection with a database using the database connection parameter, where the database has a table with a table attribute. Additionally, the method may include obtaining a mapping of one of the table attributes to a predefined attribute so that data may be extracted from the database using the mapping. The method may further include establishing a connection with a remote system using the remote system connection parameter and transmitting the extracted data to the remote system.

  • PRODUCTION OF MINIMALLY PROCESSED FOODS

    A system, method, and apparatus for a non-industrialized, sustainable, minimally processed organic dairy industry that provides the highest quality milk and milk derivative products that is end-to-end from ground-to-cow-to-dairy-to-distribution-to-consumer, and centered on low temperature batch or vat pasteurization in which the product is minimally processed, for which product certificates, which include a numerical score and/or a corresponding color code that rank organic, minimally processed products as the high quality. The product certificates can also be applied to non-milk products, such as, but not limited to, meats, fowl, fish, vegetables, nuts, fruits, eggs, etc.

  • SYSTEM AND METHOD FOR PROCESSING DATA RELATING TO ALLOCATION OF ASSETS

    A distributed asset allocation processing system performs a computerized method for allocating subscriber assets. The system configures predetermined investment allocation paths that relate asset allocation models to trigger events. The system then selects a predetermined path based on a subscriber's risk tolerance. At each trigger event along the predetermined path, the system automatically rebalances the subscriber's assets according to an asset allocation model corresponding to the trigger event.

  • LONG-TERM INVESTING

    The present invention is a method, system and investment product for allocating or structuring investment assets (such as marketable securities, bonds, mortgages, or other property interests, options or derivatives). The system, method or product enables selecting or grouping a number of individual financial instruments together into a portfolio (e.g., a fund or trust) and assigning weight coefficients to the selected financial instruments based upon a predetermined scale. After assigning the weight coefficients, the system or method purchases the selected instruments based on the allocated total purchase for each instrument (i.e., the total price of each instrument reflects is the price per unit.times.number of units, which correspond the predetermined weight coefficient). Then, the purchased individual financial instruments are allowed to fluctuate and perform for a predetermined time period (i.e., a number of years and months) without any further significant adjustments to the initial portfolio.

  • SYSTEMS AND METHODS FOR INVESTOR-DRIVEN CREATIVE PRODUCTION

    A system for investor-driven creative production, in one example embodiment, comprises a receiving module to receive metadata associated with the creative production. The metadata can be received from a creative content provider via a creative content interface and include a description of the creative production and an investment goal. The system can further include a posting module to post the metadata to the creative content interface and the receiving module to receive an investment in the creative production from an investor via the creative content interface. The system can further include an investment processing module to determine that the investment goal is reached and a production initiation module to selectively commence the creative production based on the determination that the investment goal is reached.

  • SYSTEM AND METHOD FOR IMPROVING CUSTOMER WAIT TIME, CUSTOMER SERVICE AND MARKETING EFFICIENCY IN THE RESTAURANT INDUSTRY

    A system and method including an Internet preordering system accessible online or onsite at a free-standing kiosk located in or near client properties in which customers may create profiles for the requested services and provide such information to the service provider in advance of the customer's arrival for the requested services. When the customer arrives, the customer identifies himself/herself and the preorder is accessed, verified and/or modified. The preorder is then forwarded to the service provider and the delivery of the service is optimally timed to the readiness of the customer. The customer's profile and preorder information are maintained in a database and used for in-house precision marketing campaigns and cross-promotional opportunities. For example, in a restaurant embodiment, a registered customer is given access to menus and may create menu preferences for a participating restaurant. The registered customer may also make a reservation at a participating restaurant for a party of any size in advance (for example, up to 24 hours) of the reservation time. The food and/or drink preorder for each guest in the party may be completed in advance and maintained on the server, with the reservation time, for access when the party arrives at the designated reservation time. After a verification process, the customer may retrieve the party's preorder, make any desired changes, and then verify the preorder at the kiosk. Once the preorder is verified, the customer may finalize the preorder and proceed to the hostess kiosk where the preorder is accessed by the restaurant staff. Either when the party is seated or at an appropriate time prior to seating (based on a comparison of the seating wait queue to the kitchen wait queue), the preorder is forwarded for preparation so that the ordered food and/or drink arrives shortly after the customer's party is seated.

  • SYSTEM AND METHOD FOR CORRELATING ELECTRONIC ADVERTISEMENTS PRESENTED TO CONSUMERS ON COMPUTING DEVICES WITH CONSUMER VISITS TO RETAIL ENVIRONMENTS

    A system and method for tracking advertisements that are electronically presented to consumers on computing devices and correlating the presented advertisements with consumer visits to retail environments. Using a computing device, a consumer that accesses electronic content may be presented with advertisements. Presented electronic advertisements include a first script that is executed when an advertisement is displayed in order to transmit a presentation message to the monitoring system. The presentation message is used by the monitoring system to track the identity of advertisements that are presented to consumers. When consumers visit a retail establishment, an advertising system utilizes the information about the electronic advertisements that have been presented to consumers in order to target advertising content to consumers on a network of display devices that are located at the retail establishment. Consumers may be targeted on an individual or group basis.

  • Combination Retailing System For Consumer Based Products Or Precious Stones and Metals

    A method for appraising at a retail location an item having one of a precious stone, a semi-precious stone, a precious metal, or a semi-precious metal includes the step of providing a variety of food products at the retail location. Then, by a transaction point computer at the retail location, the item to be appraised is received, along with the consumer's selection of a food product. The item's composition is determined using an evaluating device, and an exchange value is associated with the item using data obtained by the evaluating device and market data obtained over a network. The exchange value of the item is relayed to the consumer after the food product selected by the consumer has been delivered.

  • METHOD AND APPARATUS FOR COLLECTING, AGGREGATING AND PROVIDING POST-SALE MARKET DATA FOR AN ITEM

    A sale of a product or service may trigger a third party, such as a payment provider, to arrange for the collection of individual post-sale market data from the customer. Alternatively, such post-sale market data may be directly provided by smart devices and the like. Dependent upon the type of product or service involved, a schedule for continuously submitting post-sale market data for the product or service may be provided and the consumer may be encouraged to submit post-sale market data in accordance therewith through a variety of incentives. The received, individual, post-sale market data may be aggregated by one or more sources to determine aggregate post-sale market data for the product or service. The submitted individual data and/or the determined aggregate post-sale market data may then be provided to consumers in order to assist them in making purchasing decisions.

  • METHODS CIRCUITS & SYSTEMS FOR WIRELESS VIDEO TRANSMISSION

    Disclosed are methods, circuits & systems for transmitting a video stream over a wireless data link and devices implementing said methods, circuits & systems. A host device may include a video transmitter adapted to transmit a video stream via a shared radio-frequency (RF) transmitter. The video stream may be processed, encoded, edited and/or managed by one or more baseband processor(s) functionally associated with the RF transmitter before transmission. The video transmitter may include a video baseband processing logic (VBBPL) for processing video data and a data baseband processing logic (DBBPL) for processing a plurality of data types. The VBBPL may be adapted to encode raw (i.e. substantially uncompressed) video data and/or append control layer data (e.g. overlay video data) to encoded video.

  • System and Method of Scheduling an Event Related to an Advertisement

    A method includes transmitting media content to a set-top box. The media content includes an advertisement having a selectable reminder indicator related to an event. The method further includes receiving an input selection related to the selectable reminder indicator from the set-top box, sending a first menu to the set-top box including at least one option to schedule a reminder associated with the event, and sending a second menu to the set-top box in response to receiving a selection of the at least one option. The second menu includes a device menu including an option to specify a device order in which to send the reminder to a plurality of devices.

  • DECLARATIVE METHOD FOR HANDLING DEFAULTS

    According to various embodiments, methods, systems, and configuration applications for handling defaults and/or choices in a product configuration are provided. An exemplary method of handling defaults in a product configuration comprises presenting a product configuration to a user via a user interface. The method further comprises receiving a selection from the user of a configuration option via the user interface. The method further comprises determining, using a configuration engine implemented using instructions stored on one or more non-transitory computer-readable media and executable by one or more processors, at least one set of conflicting choices relating to a conflict resulting from the user selection of the configuration option and one or more constraints of the product configuration. The set of conflicting choices includes choices directly contributing to the conflict such that dropping any choice will resolve the conflict. The method further comprises determining, using the configuration engine, a strength level associated with each default selection in the minimal set of conflicting choices. The strength level of each default selection is based on an authority associated with a source of the default selection. The method further comprises determining, using the configuration engine, a default selection to drop based on its strength level. The method further comprises dropping, using the configuration engine, the determined default selection.

  • Methods and systems for dynamically providing access to enhanced content during a presentation of a media content instance

    Exemplary methods and systems for dynamically providing access to enhanced content during a presentation of a media content instance are disclosed herein. An exemplary method includes an enhanced content access system detecting a presentation of a media content instance, analyzing a stream of text associated with the media content instance to obtain one or more keywords each corresponding to at least one of a plurality of portions of the media content instance, selecting one or more enhanced content instances associated with the media content instance in accordance with the one or more keywords, and dynamically displaying one or more display elements each representative of an enhanced content instance included in the one or more enhanced content instances in a graphical user interface during the presentation of the media content instance. Corresponding methods and systems are also disclosed.

  • Soybean Cultivar 9445098

    A soybean cultivar designated 9445098 is disclosed. The invention relates to the seeds of soybean cultivar 9445098, to the plants of soybean 9445098, to plant parts of soybean cultivar 9445098, and to methods for producing a soybean plant produced by crossing soybean cultivar 9445098 with itself or with another soybean variety. The invention also relates to methods for producing a soybean plant containing in its genetic material one or more transgenes and to the transgenic soybean plants and plant parts produced by those methods. This invention also relates to soybean cultivars, or breeding cultivars, and plant parts derived from soybean variety 9445098, to methods for producing other soybean cultivars, lines or plant parts derived from soybean cultivar 9445098, and to the soybean plants, varieties, and their parts derived from use of those methods. The invention further relates to hybrid soybean seeds, plants, and plant parts produced by crossing the cultivar 9445098 with another soybean cultivar.

  • SYSTEM AND METHOD FOR AN ONLINE MEMORIES AND GREETING SERVICE

    A system and method are described for an online memories and greeting service. For example, a system according to one embodiment comprises at least one memory for storing program code and at least one processor for processing the program code to perform the operations of: receiving new photos, audio recordings, video, photo stories, and/or messages from a user; reading metadata associated with the new photos, audio recordings, video, photo stories, and/or messages; automatically arranging the new photos, audio recordings, video, photo stories, and/or messages into a new compilation on behalf of the user based on the metadata; and transmitting an electronic communication to notify the user and/or a friend of the user of the new compilation, the electronic communication including a preview of the compilation.

  • METHODS AND APPARATUS TO MIGRATE VIRTUAL MACHINES BETWEEN DISTRIBUTIVE COMPUTING NETWORKS ACROSS A WIDE AREA NETWORK

    Methods and apparatus to migrate virtual machines between distributive computing networks across a wide area network are disclosed. A disclosed example method includes establishing a data link across a wide area network between a first distributive computing network and a second distributive computing network, the first distributive computing network including a virtual machine operated by a first host communicatively coupled to a virtual private network via a first virtual local area network, communicatively coupling a second host included within the second distributive computing network to the virtual private network via a second virtual local area network, and migrating the virtual machine via the data link by transmitting a memory state of at least one application on the first host to the second host while the at least one application is operating.

  • Communications Process and System Associated with Monitoring and Controlling Resource Consumption

    A method executed by a concentrator connected between a plurality of remote units and a management server, the method including: (i) receiving and storing properties data associated with a remote unit including a microengine and a meter for measuring usage of a resource at a customer's premises, the properties data representing a profile of the remote unit; (ii) receiving message data representing a request associated with the remote unit from the management server; (iii) generating response data representing a response to the request based on the message data and the stored properties data; and (iv) sending the response data to one of the remote unit and the management server, as determined by the request based on the message data.

  • LOCATION CONTEXT FOR CONTENT DELIVERY

    The selection of invitational content to deliver to a user can be influenced by the user's current location. Periodically, the content delivery system prioritizes the invitational content that is eligible for delivery to the user based on information about the user and the user's interactions with items of invitational content. Upon resolving a location associated with the user's device, the content delivery system re-prioritizes the invitational content. The re-prioritization can be based on the user's assignment to spatial-temporal segments or the user's proximity to predefined landmarks. An item is then selected from the re-prioritized invitational content and delivered to the user.

  • System And Method For Enhancing Group Innovation Through Teambuilding, Idea Generation, And Collaboration In An Entity Via A Virtual Space

    A virtual space and/or instances thereof may be designed to facilitate enhanced performance of users associated with an entity in fulfilling roles and/or performing tasks for the entity. The virtual space may be designed to provide users with experiences that promote teamwork, coherence, and/or cohesiveness amongst a group of users; experiences that promote idea generation and/or creativity amongst a group of users; and/or, experiences that facilitate collaboration with internal and/or third party users that are external to the entity. The virtual space may be designed with separate areas to be used for different activities related to user interaction with people, ideas, data, documents, and/or objects separately. The activities to which the separate areas are dedicated may enhance innovation through teambuilding, idea generation, collaboration, and/or activities that provide other group benefits as compared to conventional techniques and systems.

  • MANAGING FACILITIES

    One or more servers perform functions that include: maintaining a database including information relating to facilities that are subject to a first entity, the facilities being dispersed geographically, the information including geographic locations for at least some of the facilities; receiving a first message from a facility for which information is in the database, the first message identifying a fixture of the facility that requires attention, where information in the database for the facility identifies the fixture by at least one of a designation of the fixture and a characteristic of the fixture; sending a second message to a second entity that has contracted with the first entity to provide service within a geographic location of the facility; and enabling the second entity to access the database to identify the fixture.

  • METHODS AND ARRANGEMENTS FOR EMPLOYING DESCRIPTORS FOR AGENT-CUSTOMER INTERACTIONS

    Methods and arrangements for employing descriptors for agent-customer interactions are disclosed. Filtering the pooled records based on one or more predetermined criteria is done such that analyzing the filtered records and comparing one interaction between an agent and a customer with another interaction between an agent and a customer may occur.

  • Customer survey device with fraud prevention system

    A restaurant customer-survey system and device, which reduces employee fraud when a customer-satisfaction survey embedded in the device is conducted. The survey may be implemented in a pager, tip tray, or other computing device that includes an internally mounted camera that covertly takes a photograph of the survey participant. The photograph is date/time stamped and associated with a table number so that the waiter for the table can be identified. The survey results together with the associated photograph are uploaded to a management database. The restaurant manager can review the photographs to ensure that employees are not fraudulently conducting the surveys rather than customers. The system also enables the customer to interface with the restaurant's point-of-sale (POS) system to retrieve the customer's current bill or wirelessly make a payment from the table.

  • LOYALTY PROMOTION APPARATUSES, METHODS AND SYSTEMS

    The LOYALTY PROMOTION APPARATUSES, METHODS AND SYSTEMS ("L-PROMO") transforms consumer credentials, consumer opt-in activities, and, merchant campaign setup inputs via L-PROMO components into a financial transaction and offer redemption outputs. In one implementation, a method is disclosed, comprising: receiving consumer identifying information from a consumer electronic wallet vehicle; receiving merchant information and a proposed transaction from a merchant terminal; initiating consumer payment by sending a payment approval to an electronic wallet account; receiving a request to apply a promotional offer; determining consumer eligibility to apply the promotional offer to the proposed transaction; applying the promotional offer to the proposed transaction by returning credits to the consumer based on terms of the promotional offer; sending transaction details to the consumer; and sending a message to a social network indicating the transaction on the consumer's social media page.

  • System and Method for Processing Contracts for Conditional and Unconditional Forward Sales of Retail Goods

    The invention is directed to a system and method for facilitating the completion of contracts for conditional or unconditional forward sales (CCUFSs) of retail goods via a CCUFS exchange, in combination with a distribution network for taking delivery on completed contracts. The system comprises a CCUFS exchange comprising a networked computing device and at least one database, and a retail distribution network comprising a plurality of retail distribution points. Using the CCUFS exchange, users may post offers to buy and sell on basic futures contracts, put and call options, and secondary sales, as well as more complex derivatives. Offers having similar terms may be pooled together and an inventory rebalancing module may redistribute retail goods or money to sellers that over-deliver or under-deliver.

  • SYSTEM AND METHOD FOR MANAGING ELECTRIC PURCHASING STRATEGIES

    Provide is a system and method for managing electric purchasing strategies. A processor receives electric pricing information, electric usage information, a plurality of input parameters, and generates electric purchasing strategies based on the electric pricing information, the electric usage information, and the plurality of input parameters; and a memory stores the electric pricing information, the electric usage information, the plurality of input parameters, and the electric purchasing strategies.

  • METHOD AND APPARATUS FOR MARKETING MANAGEMENT

    A method and apparatus are disclosed for initiating and managing a mobile-based dialog by receiving a response to a request for a dialog, recording information about a respondent correlated with their response, analyzing the response, and sending a return response with a request to continue the dialog. Responses are individualized to particular consumers and may establish a market of one. Personal and/or relevant information may be sent between a consumer and a brand based on previous patterns unique to an individual consumer, and unique to individual preferences. Privacy of a consumer is maintained. The method may be applied to clinical trials and surveys.

  • Multidimensional relaxometry methods for consumer goods

    Multidimensional relaxometry methods for products and/or systems resulting from the use of such methodology, as well as processes for making, changing and/or using such products and/or systems are disclosed. Such methodologies can obviate the current shortcomings of currently available measurement methodologies and can be used to define component parameters that can be used to produce new and/or superior products and/or systems.

  • Interaction with Networked Screen Content Via Mobile Phone in Retail Setting

    A portable computing device may be configured to allow a user to interact with one or more displays in a retail environment. The portable computing device may establish a communication link with a communication device in the retail environment and the user may be able to use the portable computing device to navigate through retail data and have it displayed on the display device in the retail environment.

  • SYSTEM AND METHOD FOR FLASHING A WIRELESS DEVICE

    A system and method for flashing wireless devices. One or more wireless devices are received. The testing device being operable to receive the one or more wireless devices simultaneously. A selection of one or more original equipment manufactures (OEMs) is received. Models of wireless devices associated with the one or more OEMS are visually displayed in response to receiving the selection of the one or more OEMS associated with the one or more wireless devices. A selection of one or more models associated with the one or more wireless devices is received on the test device. Instructions associated with the one or more models are displayed for flashing the one or more wireless devices. The one or more wireless devices are flashed in response to a user selection to flash each of the one or more wireless devices.

  • Transaction Automation And Archival System Using Electronic Contract Disclosure Units

    A transaction automation and archival system is provided for controlling, real-time logging, and archiving complex commercial transactions such as the purchase and financing of an automobile. An electronic contract disclosure unit or ECDU includes a digitizing display that includes a video display for imaging to participants the various documents involved in the transaction and a digitizer for allowing participants to sign, indicate choices, and otherwise interact directly on documents and images presented on the display. A computer controls the progress of the transaction, controlling, for example, the order of presentation of documents to a vehicle purchaser, receiving signatures on the displayed documents, offering choices of various packages to the purchaser, and insuring that the transaction is carried out properly. The transaction is logged for future review which may include a video record. One or more fingerprint readers allow participants to select between options while simultaneously verifying the identity of the individual making the selection.

  • Method and System for Distribution of Content Using a Syndication Delay

    Embodiments of methods and systems for incorporating user generated content into a web page are disclosed. In particular, embodiments of such systems and methods may incorporate user generated content into a web page such that the user generated content can be consumed by indexers associated with search engines in association with that web page. Additionally, embodiments may also provide a mechanism by which user generated content may be received and included in a web page when that web page is rendered. Using embodiments as disclosed herein user generated content may be exposed to a search engine indexer in a web page while still providing a mechanism for incorporating the freshest user generated content in such a web page. Embodiments may also improve the ability of search engines or search engine indexers to determine the site of origin for such user content.

  • Device Identification and Monitoring System and Method

    A method and system for collecting and recognizing information from a monitoring device is provided. On a mobile computer device a user can capture an image of a monitoring device. The image captures at least two aspects: (1) monitored data tracked or acquired by the monitoring device, and (2) a portion of the monitoring device sufficient to recognize the monitoring device. Recognition functions are provided for: (1) recognizing and converting the monitored data visible in the captured image into quantifiable data, and (2) for recognizing the monitoring device. A note taking function can be provided to allow a user to create notes. The notes can be enriched with the quantifiable data and/or the recognized monitoring device (or vice versa). A suggestion function can be provided for suggesting services where the quantifiable data, the recognized monitoring device, and/or the notes can be bound.

  • System and Method for Processing Contracts for Conditional and Unconditional Forward Sales of Retail Goods

    The invention is directed to a system and method for facilitating the completion of contracts for conditional or unconditional forward sales (CCUFSs) of retail goods via a CCUFS exchange, in combination with a distribution network for taking delivery on completed contracts. The system comprises a CCUFS exchange comprising a networked computing device and at least one database, and a retail distribution network comprising a plurality of retail distribution points. Using the CCUFS exchange, users may post offers to buy and sell on basic futures contracts, put and call options, and secondary sales, as well as more complex derivatives. Offers having similar terms may be pooled together and an inventory rebalancing module may redistribute retail goods or money to sellers that over-deliver or under-deliver.

  • SYSTEM AND METHOD FOR AUDITING REMOVAL OF CUSTOMER PERSONAL INFORMATION ON ELECTRONIC DEVICES

    A system and method for auditing electronic devices to verify removal of customer personal information (CPI). An electronic device is received at a facility. An electronic device is tested utilizing a test device to determine whether there is CPI on the electronic device. An identification of the electronic device is recorded in response to determining the CPI is on the electronic device. An alert associated with the identification is stored to indicate that CPI is on the electronic device.

  • SYSTEM AND METHOD FOR TRACKING CUSTOMER PERSONAL INFORMATION IN A WAREHOUSE MANAGEMENT SYSTEM

    A system and method for a warehouse management system for tracking devices with customer private information. The system includes one or more testing devices for testing devices to determine whether the customer personal information is present. The system further includes a receiving system operable to receive devices for entry as inventory. The shipping system prevents the devices from being entered as inventory in response to the testing device determine CPI is present on one or more of the devices. The system further includes a shipping system operable to prevent the one or more devices from being shipped to a recipient in response to determining the CPI is present on the one or more devices.

  • Method for Recipient Orientated Financial Services

    A method allowing a first person to provide a "virtual" gift to a second party is disclosed, referred to as a "credit gifting" system, wherein the first person accesses an application allowing predetermined aspects of the gift, such as the retailer, store, product type etc. to predetermined whilst adding personal messages etc. The second person receives a credit towards the purchase of the gift, the credit being redeemable at the defined retailer or store for any wares/services or only those identified by first person. If the credit so gifted is not redeemed within predetermined time the first person is re-credited. In another embodiment the second person is able to select the retailer or store to redeem from or if unable to redeem themselves allocate a proxy. Accordingly the method overcomes drawbacks of current "captive" gift cards and pre-paid gift cards whilst also offering enhanced registry services etc.

  • MANAGEMENT OF PROSPECTIVE CUSTOMER DATA OVER A COMMUNICATIONS NETWORK

    A method and computer system for managing prospective customer data in a central repository over a communications network is disclosed. The method includes receiving profile data from a prospective customer, storing the profile data in a central data repository, displaying the profile data for viewing by a representative, wherein selected profile data is highlighted for use by the representative in selling to the prospective customer, generating a schedule of actions pertaining to the prospective customer based on the profile data, wherein an action includes sending a communication to the prospective customer, transmitting one or more communications to the prospective customer based on the schedule of actions, receiving updates regarding results of the communications transmitted to the prospective customer and augmenting the profile data of the prospective customer in the central repository with the results of the communications transmitted to the prospective customer.

  • CHARGING PURCHASES TO UTILITY ACCOUNTS

    Charging purchases to utility accounts including a computer program product that stores instructions for implementing a method. The method includes receiving a request from a consumer at an electric vehicle charging station to charge at least one of a purchase of electrical power for electric vehicle (EV) charging and an item other than electrical power to an electrical power utility account. The method also determines if the consumer is authorized to charge the purchase to the electrical power utility account. A transaction denied message is transmitted to the consumer in response to determining that the consumer is not authorized to charge the purchase to the electrical power utility account. The method further includes, in response to determining that the consumer is authorized to charge the purchase to the electrical power utility account: charging the purchase to the electrical power utility account; and transmitting a transaction completed message to the consumer.

  • SYSTEM FOR CONCURRENT OPTIMIZATION OF BUSINESS ECONOMICS AND CUSTOMER VALUE

    A computer-implemented system and method for an airline to enhance customers' experience. A computer-implemented service is operated that delivers to a customer an option to upgrade on up to n of m selected products, where n is less than m. Information is recorded in a data store, pertaining to said option. In addition, a system is operated to define each of the n chosen products, whereby after each of the n chosen products is defined, the customer can be upgraded to said chosen product. The information pertaining to said defined products is recorded in a data store.

  • CUSTOMIZABLE FINANCIAL INSTITUTION APPLICATION INTERFACE

    Embodiments of the invention are directed to a system, method, or computer program product for a customizable financial application. This invention allows a user to customize an application, such as an application for a mobile smart phone, to display information or perform actions using data stored by a financial institution, including data about the customer and more general financial data.

  • SYSTEMS AND METHODS FOR PROVIDING LOYALTY AWARDS OF STOCK

    A system and method of providing promotional rewards of stock in a company to customers who engage in a promotional activity, wherein the promotional reward is a fractional share of stock that is transferred to the customer.

  • BARCODE READER AND COMPUTER PROGRAM PRODUCT

    Disclosed is a barcode reader, comprising: a scanner unit which scans a barcode by emitting laser beam and receiving reflection light thereof to obtain image data; a judgment unit which judges a portion of the image data corresponding to each end portion of a swing width of the laser beam as a data unstable range and judges a portion of the image data other than the data unstable range as a data stable range; and a decoding unit which sets a tolerance of error of the image data low against a threshold in the data unstable range, the threshold being used to judge data width of black bars and white spaces of the barcode, to decode the data unstable range, and sets the tolerance of error of the image data high against the threshold in the data stable range to decode the data stable range.

  • COMPENSATING AN INDIVIDUAL INVOLVED IN A BUSINESS

    A method of compensating an individual involved in a business is disclosed. The method comprises putting money from a business into an accumulation pool. Further, the method comprises allowing an individual involved in the business to participate in the accumulation pool after the individual has satisfied pool participation criteria. The pool participation criteria being defined in part by a number of individuals involved in the business as a result of the individual. Still further, the method comprises determining a share of the accumulation pool for the individual and determining a percentage of the share to be paid to the individual according to share percentage criteria. The share percentage criteria being defined in part by the number of individuals involved in the business as a result of the individual. Additionally, the method comprises paying the individual an amount from the accumulation pool according to the percentage of the share.

  • Systems and Methods for Multi-Merchant Discount Payments

    The present invention relates to systems and methods for discount multi-merchant gift card management. The system includes registering a number of merchants, issuing a card with a unique identifier to a user after receiving a payment of a discounted amount, which is less than full face value of the card such that the user realizes the discount at the time of purchase, and pre-funding an account corresponding to each of the of merchants. The card has purchasing power equal to its face value at any of the registered merchants. The card is then used to make a purchase at a merchant, and the issuer receives a communication of the transaction, which is then processed. The card itself may be any of a smart card, a virtual card, an application on a mobile device, or a physical card.

  • A Method and System for Providing a Service Associated With Sale of a Product

    A method and system for providing a service associated with sale of a product from a merchant to a customer at a point of sale terminal connected to a network. The method comprising the steps of offering to provide the service associated with sale of the product to said customer during purchase of said product at the point of sale terminal, providing one of a plurality of identification numbers held in a database connected to the network at the point of sale terminal in association with the offered service and providing said provided identification number to said customer, and subsequently providing customer access over the network to permit said customer to enter purchase related details into the database to be associated with the provided identification number, thereby minimising time required at the point of sale terminal.

  • Method and Apparatus for Analyzing and Applying Data Related to Customer Interactions with Social Media

    Embodiments of the invention provide techniques that quantize community interactions with social media to understand and influence consumer experiences.

  • Systems and Methods for Securitizing the Revenue Stream of a Product

    Systems and methods for securitizing the revenue stream of a product are disclosed. A system for securitizing the revenue stream of a product includes a primary market allowing a company to sell a percentage of the revenue of a product of the company to an investor, wherein the percentage of revenue stake in the product comprises issued shares; the bundling of the issued shares into various investment products; a secondary market providing liquidity for issued or bundled shares allowing the investor to trade these shares or bundles; retail market where these sales take place; wherein a transfer of the issued share from the company to the investor provides financial capital for the company without relinquishing an ownership stake in the company itself, and wherein when the product is sold, the investor is entitled to a percentage of revenues generated by sales of the product according to the issued shares.

  • METHOD AND APPARATUS FOR PROVIDING AN IMMERSIVE MEETING EXPERIENCE FOR REMOTE MEETING PARTICIPANTS

    An immersive meeting capability is depicted and described herein. The immersive meeting capability is configured for improving various aspects of a meeting held between one or more local participants located at a physical location at which the meeting is being held and one or more remote participants remote from the physical location at which the meeting is being held. The immersive meeting capability enables the remote participants to access and/or control one or more devices located at the physical location at which the meeting is being held and/or one or more views associated with the physical location at which the meeting is being held, thereby enabling remote participants to become immersed into the meeting.

  • METHOD AND SYSTEM FOR PROCESSING INFORMATION RELATING TO A VEHICLE

    A system for processing information relating to a vehicle includes one or more electronic control units which can be connected to one another through a vehicle network. The system includes an electronic control device adapted to interface to and exchange data with the network and a nomadic device adapted to exchange data with the electronic device, wherein the electronic control device includes an automatic configuration module adapted to automatically detect parameters of the network so as to retrieve a network database of the vehicle. The network database includes the information required for properly interpreting the data circulating in the network.

  • Performance measurement for customer contact centers

    In one embodiment, a method includes identifying a first communication from a customer, identifying a second communication from the customer following a response to the first communication from a contact center, and analyzing the first and second communications at a contact center network device to determine a change in sentiment from the first communication to the second communication. An apparatus for contact center performance measurement is also disclosed.

  • METHOD AND SYSTEM FOR OPTIMIZING CONTACT CENTER PERFORMANCE

    A method for assigning individual contact processing resources of a contact center to contacts in the contact center is disclosed. On receiving a new contact at the contact center, a contact object corresponding to the new contact is provided within a population of contact objects corresponding to contacts being processed by the contact center. A programmed processing object corresponding to each individual contact processing resource of the contact center is provided. Each processing object is arranged to adaptively and independently select contact objects from the population of contact objects based on a value received for processing contacts from the population and a value spent on processing contacts from the population. Once a programmed processing object selects a contact object, an associated contact processing resource is assigned to the contact.

  • METHOD AND APPARATUS FOR AUTOMATIC CORRELATION OF MULTI-CHANNEL INTERACTIONS

    A method and apparatus for multi-channel categorization, comprising capturing a vocal interaction and a non-vocal interaction, using logging or capturing devices; retrieving a first word from the vocal interaction and a second word from the non-vocal interaction; assigning the vocal interaction into a first category using the first word; assigning the non-vocal interaction into a second category using the second word; and associating the first category and the second category into a multi-channel category, thus aggregating the vocal interaction and the non-vocal interaction.

  • Generating an Identity Theft Score

    A system for generating an identity theft score is disclosed. The system may identify consumers who have experienced identity theft during a historical time period, generate an identity theft risk model based upon the plurality of consumers who have experienced identity theft, and generate an identity theft score for an individual consumer based upon the identity theft risk model and data associated with the individual consumer. The identity theft risk model may comprise a regression model, and the identity theft score may represent a probability that the individual consumer will experience identity theft during a future time period.

  • SYSTEMS AND METHODS FOR SPEND ANALYSIS

    Various systems and methods for financial analysis are provided herein in various embodiments. A method is provided comprising building a consumer data cohort based upon first consumer data, wherein the consumer data cohort comprises internal data, deriving derived data based upon the consumer data cohort and determining a consumer data cohort attribute based upon the derived data.

  • SYSTEMS AND METHODS FOR DYNAMIC PRODUCT AND SERVICE BUNDLING

    Systems and methods for dynamic product bundling are described herein. For example, embodiments dynamically generate product bundle for customer within a particular segment in view of that customer's interest in a particular product. Embodiments determine customer affinity, customer commonality, and product complementarity and use this information to dynamically generate and optimize product bundles for customers interested in one or more products.

  • METHOD AND SYSTEM FOR MOTIVATING CONSUMERS AWAY FROM IMPULSE SPENDING

    A system includes a computer-implemented method of motivating users toward at least one constructive financial alternative to spending. The method includes receiving, at a server, from a user at a first consumer device, an initial configuration for at least one financial goal, wherein the configuration includes a goal name and a target amount representing a financial value associated with the at least one constructive financial alternative to spending; receiving, at the server, from the user at a second consumer device after the initial configuration is complete, an electronic command directing potential application of funds of a given amount benefiting the at least one financial goal, representing a choice from among a plurality of spending options integrated into the user's lifestyle and spending patterns.

  • Military Relocation Facilitator

    A facility, system and related business methods for providing efficient, simple, and effective military relocation tools both at the departing station as well as the gaining station of relocating military personnel, centered on an enabling facility based on a department store model where clients are able to access a variety of military relocation services in one location. The business method and system of the present invention alleviates the stress of going all over town, standing in long lines, and wasting time and money trying to get setup in a new home. As a result, embodiments of the present invention help transform the complex, emotional and lengthy process of relocation into a simple, comforting and, most importantly, human process for the relocating military families that are served--all at no cost to the relocating military personnel.

  • USER CUSTOMIZABLE REAL-TIME ONLINE MERCHANT EVENT PLATFORM UTILIZING PRICE VARIATIONS AND ASSOCIATED METHOD FOR INCREASING WEB SITE VISIBILITY

    A user customizable, real-time, online merchant event platform utilizes price variations through at least one sales event for increasing website visibility. The platform includes a user interface configured to input: sale item identification, sale event duration for each sale item, a sale item price range, and a frequency distribution identifying the relationship of the price range and the associated sale items and the duration of the associated sales event. The merchant event platform generates a frequency distribution database utilizing the frequency distribution to identify the price of each sale item during the sales event. The merchant event platform includes at least one online web page displaying select sale item indicia, a price range for the sales items, a current price for an associated sale item, purchasing indicia for a sale item configured to facilitate consumer purchase of the associated sale item, and user related advertising indicia.

  • SOCIAL INTERACTION TOOLBAR

    Disclosed are systems for interactive social shopping comprising: a digital processing device and a computer program that creates a social shopping toolbar comprising a module adapted to create a selection of items, wherein said items are selected from one or more web sites; and a social shopping web application comprising a module adapted to enable at least a first and a second user to simultaneously view an identical item from said selection of items, such that a live showroom is generated, and a module that enables the first and second user to interact with each other. Also disclosed are methods of creating a social shopping networking service and computer readable media encoded with programs to create the same.

  • SYSTEMS AND METHODS FOR PROMOTING PRODUCTS AND SERVICES

    Disclosed are systems and methods for promoting products and services in a retail environment.

  • ON-THE-GO SHOPPING LIST

    Systems and methods for providing shopping-related information to a consumer are provided. Embodiments of the system allow a consumer to create an electronic shopping list by scanning products. In some embodiments, shopping-related information may be obtained for items in the shopping list, such as pricing information, product quality, consumer ratings, and other information that may help a consumer to make an informed purchasing decision. Other embodiments allow a consumer to obtain and compare retail prices offered by several retailers for products in the shopping list. Still other embodiments provide a store-wide network that allows a shopper to scan items in the store, add the scanned items to a shopping list, and then check-out electronically.

  • METHODS AND SYSTEMS FOR MATCHING BUY AND SELL ORDERS

    Methods and systems for matching buy and sell orders that maximize the number of shares matched while simultaneously providing an even allocation of shares regardless of when a given order is received, are provided herein. The methods and system utilize an optimization function to determine the optimized price point at which the maximum number of shares can be matched using such inputs as a set of buy and sell orders, market spread, and participant defined exclusion criteria. This optimized price point may then be used to select those buy and sell orders eligible for participation in the matching event. Shares are then evenly allocated between participants using, for example, a round-lot base allocation procedure. The methods and systems may also utilize an anti-gaming function that compresses multiple orders from a single participant into a single participant interest prior to allocating shares.

  • System for Managing Product Inventory Counts

    A system for managing product inventory includes an Internet-connected server and software executing on the server from a non-transitory physical medium, the software providing establishment of a first association of at least one stock keeping unit (SKU) and any associated metadata including product availability counts to at least one point in time and or at least one time range identified within an interactive shopping media presentation, establishment of a second association of at least one potential consumer to the interactive shopping media presentation, monitoring for and tracking of interaction sequences initiated by the at least one potential consumer, the interaction sequences enabled from within the interactive shopping media presentation or from within an interactive display associated thereto, and adjustment of the SKU-based product availability counts in the SKU metadata relative to the latest interaction results.

  • ONLINE MARKET FOR RETAIL GOODS

    Systems and methods are provided for creating a dynamic, exchange-like online market for retail goods. The online market receives quotations from a seller to sell a quantity of an item and buy orders from buyers to purchase the items. The price per item from each seller is calculated and the buyers are provided with a ranking of the available items. Furthermore, a buyer may request a ranking of resting sell orders or a seller may request a ranking of resting buy orders. Furthermore, the rankings provided to the buyers may be a function of both the quotations to sell from the seller of an item and available gift cards available.

  • Maintenance of a Company Profile of a Company Associated with a Supplier/Buyer Commerce Network

    Embodiments for maintaining a company profile of a company associated with a supplier/buyer commerce network are disclosed. One method includes collecting activity information of the company. The collecting includes monitoring a plurality of databases that each maintains activity information associated with the company, assigning a unique identification for the company across the plurality of databases, exporting the activity information associated with the company from each of the plurality of databases, and aggregating the activity information. The method further includes updating the company profile with the aggregated activity information of the company.

  • SYSTEM AND METHOD FOR AUTOMATED GENERATION OF COMMUNICATIONS INVOLVING PRODUCTS OR SERVICES

    Methods and systems for preparing combined communications having a plurality of client communication sections is presented. Initial interest in a product or service offer is received from a client at a computer system. The computer system generates a communications that combine host information and one or more client communication sections, wherein the client communication sections contain a second offer for the product or service.

  • METHOD, SYSTEM, APPARATUS, AND PROGRAM FOR DISPLAYING TARGETED ADVERTISEMENTS

    A method, system, apparatus, and program for advertising in a web portal, such as an electronic document processing web portal, and displaying advertisements to users that are particularly tailored to the user.

  • Establishing common interest negotiation links between consumers and suppliers to facilitate solving a resource allocation problem

    A computer-implemented method includes communicating to a number of agents a first resource negotiation request that includes one or more first parameters each having a corresponding first range of acceptability. The method includes receiving first request responses from each of one or more capable agents each operable to fulfill at least one first parameter within the corresponding first range of acceptability. The method includes determining solution entities based on the first responses, each solution entity including one or more of the capable agents operable to fulfill the one or more parameters of the first request within the corresponding first ranges of acceptability, each capable agent operable to fulfill at least one first parameter within the corresponding first range of acceptability. The method includes communicating a second resource negotiation request to each capable agent in each determined solution entity, the second request including one or more second parameters each having a corresponding second range of acceptability.

  • Customization of GUI layout based on history of use

    A hand-held electronic device, method of operation and computer readable medium are disclosed. The device may include a case having one or more major surfaces. A visual display and a touch interface are disposed on at least one of the major surfaces. A processor is operably coupled to the visual display and touch screen. Instructions executable by the processor may be configured to a) present an image on the visual display containing one or more active elements; b) correlate one or more active portions of the touch interface to one or more corresponding active elements in the image on the visual display; and c) adjust a layout of content shown on the display according to a probability of one or more actions that may be taken with the one or more active elements.

  • Data processing

    A system for processing data comprising: a plurality of resource interfaces each of which is operable to access a corresponding underlying resource, and a processor unit for integrating data accessed from the underlying resources and controlling a user interface. The user interface is operable in use to permit a user to view all of the underlying resources currently accessible to the system and to select a plurality of these to form a subset comprising some, but not all, of the underlying resources from which to form an integrated view of the sub-set. The processor unit is operable to store the selection within a user selection store and to determine how to join the data from the selected underlying resources to generate an integrated view of the selected sub-set of underlying resources and to generate data for transmission to a device for displaying the generated view to the user.

  • System and method for interactive customer service

    A method is implemented by one or more server devices associated with a network. The method includes receiving information relating to a customer service request, where the information includes data to identify a category of the customer service request. The method also includes receiving a request to speak with a customer service agent, and placing a service call request in a calling queue associated with the category of the customer service request. The method further includes monitoring availability of customer service agents associated with the calling queue, and sending a call initiation message to the access terminal when a customer service agent associated with the calling queue is available. Based on the call initiation message, the access terminal may automatically initiate a voice session with an available customer service agent.

  • Customized network congestion messaging for terminal adapters

    A terminal adapter such as a residential gateway or an eMTA is configured to receive a set of signals such as a 403 message from network devices operating in a VoIP network. In response to receiving the signals, the terminal adapter provides audio information to a caller at a telephone. For example, when the caller attempts to make a call, the terminal adapter receives a 403 message which causes the terminal adapter to play an audio file to the caller.

  • Non-capitalization weighted indexing system, method and computer program product

    An investment system based on indexes created from various metrics is disclosed. The indexes may be built by selecting from a universe of assets, a subset using selection and weighting metrics substantially independent of market capitalization weighting, price weighting, or equal weighting. These metrics may include, but are not limited to book value, sales, dividends, cash flow, employees, demographics, etc. A combination of financial non-market capitalization metrics may be used along with non-financial metrics to create passive investment systems. Once the index is built, it may be used as a basis to purchase securities for a portfolio. As the data underlying the indexes change because of, e.g., economic activity, the index may be updated and may be used as a basis to rebalance the portfolio. Valuation indifferent indexes of the present invention avoid overexposure to overvalued securities and underexposure to undervalued securities, as compared with conventional capitalization-weighted price-weighted indexes.

  • Portable consumer device configured to generate dynamic authentication data

    Embodiments of the invention provide a portable consumer device configured to store dynamic authentication data in memory. The portable consumer device also includes an interface for transmitting data to and receiving power from an external device. The dynamic authentication data is read from the memory by a read-write device located on the portable consumer device. The authentication data is updated and the updated data may be written into memory using the read-write device. In some embodiments, an authentication value read from the memory may be used to generate another authentication value based on an algorithm. The portable consumer device is further configured to transmit authentication data to an external device. The process of reading, updating, generating, transmitting, and rewriting the authentication data may occur each time external power is provided to the portable consumer device via the interface. The power for operating the components of the portable consumer device may be drawn exclusively from the power received from the external device (i.e., the external power). In some embodiments, a portion of the external power may be temporarily stored on an energy storage means of the portable consumer device.

  • Provider Supply & Consumer Demand Management

    Amongst other things, one or more requests is received from at least one consumer of services to consult with a service provider associated with a brokerage system and having a service provider profile that satisfies at least some attributes in a set of attributes. The consumer demand is measured for consultations with one or more service providers associated with the brokerage system and having service provider profiles that satisfy at least some attributes in the set of attributes. A supply of active service providers associated with the system and having service provider profiles that satisfy at least some attributes in the set of attributes is also measured. It is determined whether an imbalance exists between the consumer demand for and the supply of active service providers having service provider profiles that satisfy at least some attributes in the set of attributes.

  • QUANTUM KEY MANAGEMENT

    Innovations for quantum key management harness quantum communications to form a cryptography system within a public key infrastructure framework. In example implementations, the quantum key management innovations combine quantum key distribution and a quantum identification protocol with a Merkle signature scheme (using Winternitz one-time digital signatures or other one-time digital signatures, and Merkle hash trees) to constitute a cryptography system. More generally, the quantum key management innovations combine quantum key distribution and a quantum identification protocol with a hash-based signature scheme. This provides a secure way to identify, authenticate, verify, and exchange secret cryptographic keys. Features of the quantum key management innovations further include secure enrollment of users with a registration authority, as well as credential checking and revocation with a certificate authority, where the registration authority and/or certificate authority can be part of the same system as a trusted authority for quantum key distribution.

  • System and Method for Targeted Marketing and Consumer Resource Management

    Systems and methods are provided for providing targeted marketing to goods and services provides and consumer resource management services to consumers. An example system and method for targeted marketing comprises collecting transaction data from point-of-sale (POS) terminals and using a consumer identifier in the transaction data to access stored information about the consumer. This information may be used to target offers and advertisement to the consumer. In an example system for consumer resource management, a consumer may configure a consumer account on the enterprise infrastructure via a web-site. The consumer may use the consumer account to purchase and configure gift cards that may be used for purchasing goods and services. A universal transaction identifier may be associated with the consumer account and used to purchase goods and services from more than one selected goods and services providers.

  • ARRANGING REMOTE ENGAGEMENTS

    A request is received from a consumer for an electronic, real-time communication with a medical service provider; the availability of the medical service provider is assessed; if the medical service provider is not immediately available, a first scheduling option including waiting in queue and a second scheduling option including an appointment with the medical service provider are provided; a choice among the first scheduling option and the second scheduling option is received from the consumer; and the electronic, real-time communication between the consumer and the medical service provider is arranged, based at least in part on the scheduling option chosen by the consumer.

  • Connecting Consumers with Service Providers

    A request is received from a consumer of services to consult with a service provider having a service provider profile that satisfies at least some attributes in a set of attributes that define a suitable service provider; an available service provider satisfying at least some of the attributes in the set of attributes is identified; and a communication channel is provided to establish a communication between the consumer of services and the identified service provider.

  • METHOD AND APPARATUS FOR SELECTING TRAVEL RELATED SERVICES

    A method and apparatus for selecting travel related services. The method includes the step of determining a plurality of travel related services that a consumer of such services can select for their own use. Each service has a start and end date. The services are stored in a database from which they are published to consumers. Consumers may then select the services of interest to them. Should a consumer not be able to use the selected service within its start and end date, the consumer may make the service available to other consumers for selection. An associated apparatus is provided to implement the process.

  • SECURE CONSUMER AUTHORIZATION AND AUTOMATED CONSUMER SERVICES USING AN INTERMEDIARY SERVICE

    A transaction processing service that operates as an intermediary between aggregators of transaction requests, service providers, consumers, and third-party recipients of data, is disclosed. As used herein, a transaction request is a request for consumer services to be provided to a consumer or third-party, a consumer's authorization of such consumer services, and/or a consumer's authorization of applicable terms, policies, contracts, or agreements. The intermediary service utilizes a consumer's mobile device as an out-of-band communication channel to notify a consumer of a received transaction request and to receive a consumer's authorization of the transaction. Once a transaction is authorized, the intermediary service facilitates the consumer services related to the transaction and provides a service response from one or more service providers to the user's mobile device and/or another service target.

  • PURCHASING, REDEMPTION AND SETTLEMENT SYSTEMS AND METHODS WHEREIN A BUYER TAKES POSSESSION AT A RETAILER OF A PRODUCT PURCHASED USING A COMMUNICATION NETWORK

    Purchasing, redemption and settlement systems and methods are provided to communicate with a buyer to establish a first price for a product. The purchasing system may also arrange for the buyer to take possession of the product at a retailer, different from the seller, that offers the product for sale at a second price. The buyer provides a payment, based on the first price, to the purchasing system in exchange for the right to take possession of the product at the retailer. The purchasing system transmits redemption information to the buyer. The redemption information may include information that enables the creation of a voucher to be used when taking possession of the product. The purchasing system may also receive information related to an attempt by the buyer to take possession of the product from the retailer.

  • SYSTEMS AND METHODS TO QUANTIFY CONSUMER SENTIMENT BASED ON TRANSACTION DATA

    A computing apparatus is configured to quantify consumer sentiment at an aggregated or micro level using transaction data that records the transactions processed by a transaction handler of a payment system. A quantification model is generated based on correlating transaction data with respective emotional content indices extracted from data sources, such as regional news, weather, stock markets, movie themes, local sports, employment, traffic conditions, etc. Using the quantification model, consumer sentiment can be evaluated at various granularity levels, based on the granularity of the user group and the time period of the transaction data used in the quantification model.

  • METHOD AND SYSTEM FOR USING REWARD POINTS TO LIQUIDATE PRODUCTS

    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.

  • METHOD AND APPARATUS FOR PERSONALIZED MARKETING

    The system provides personalized marketing combined with the satisfaction of gamified applications and playing games, which provides a unique offer presentation entertainment solution with the computer implemented capacity to personalize offers. The system includes a learning module that collects data and behavioral information from each user and customizes advertising, offers, and even application utility/play for the user. Over time, the system provides interaction with the user that provides consumer opportunities that are more likely to be accepted by the user.

  • PURCHASING, REDEMPTION AND SETTLEMENT SYSTEMS AND METHODS WHEREIN A BUYER TAKES POSSESSION AT A RETAILER OF A PRODUCT PURCHASED USING A COMMUNICATION NETWORK

    Purchasing, redemption and settlement systems and methods are provided to communicate with a buyer to establish a first price for a product. The purchasing system may also arrange for the buyer to take possession of the product at a retailer, different from the seller, that offers the product for sale at a second price. The buyer provides a payment, based on the first price, to the purchasing system in exchange for the right to take possession of the product at the retailer. The purchasing system transmits redemption information to the buyer. The redemption information may include information that enables the creation of a voucher to be used when taking possession of the product. The purchasing system may also receive information related to an attempt by the buyer to take possession of the product from the retailer.

  • METHODS AND APPARATUS TO COUNT PERSONS IN A MONITORED ENVIRONMENT

    Methods and apparatus to count persons in a monitored environment are disclosed. An example apparatus to count the number of people in a monitored environment is described, which includes an image sensor to collect a plurality of pixels, a pseudorandom number generator to pseudorandomly select at least one of a row of the pixels or a column of the pixels, a reader to read first pixel data generated by first pixels of the image sensor at a first time, the first pixels located in at least one of the row of the pixels or the column of the pixels, a comparator to compare the first pixel data with second pixel data generated by the first pixels at a second time different than

  • METHODS AND APPARATUS TO COUNT PERSONS IN A MONITORED ENVIRONMENT

    Methods and apparatus to count persons in a monitored environment are disclosed. An example apparatus to count the number of people in a monitored environment is described, which includes an image sensor to collect a plurality of pixels, a pseudorandom number generator to pseudorandomly select at least one of a row of the pixels or a column of the pixels, a reader to read first pixel data generated by first pixels of the image sensor at a first time, the first pixels located in at least one of the row of the pixels or the column of the pixels, a comparator to compare the first pixel data with second pixel data generated by the first pixels at a second time different than the first time to generate first change values, and a counter to generate a count of persons based on the first change values.

  • RETAIL PLANNING APPLICATION AND METHOD FOR CONSUMER PRODUCTS

    An improved forecasting and modeling tool for planning and estimating sales of consumer products, including social expression products in a retail operation. The tool enables retailers to create a plan based on information shared between the retailer and vendor of social expression products. The methodology employed begins with actual sales totals for the prior term and the plan goal for the current term and provides financial calculations based on a variety of factors to determine the sales bridge needed to meet the current term goal. Information relating to actual sales, significant events, door activity, current forecast, trending data, and vendor initiatives are input into the application and are used in financial calculations to determine a current term sales plan.

  • SYSTEM FOR DETERMINING A TRADE-IN VALUE OF AN ITEM BASED ON A MATCH TO A DATABASE OF CUSTOMERS

    Methods, systems and computer program products for verifying a trade-in amount that a user can offer a customer for an item desired to be traded-in. A quantity of potential buyers is determined for the trade-in item by accessing a customer database to identify customers currently possessing similar items to the trade-in item. The quantity of potential customers is used to determine whether a trade-in amount for the trade-in item may be offered to the customer as part of a deal associated with the trade-in item.

  • METHOD FOR PROVIDING SUPPORT SERVICES USING MULTI-CHANNEL NAVIGATOR AND ROUTE SEQUENCES

    A service center receives a command from a remote device over a network, where the service center provides support services to users on products on behalf clients. Based on the command, a context element of a route sequence map associated with a user of the remote device is identified, where the identified context element is one of context elements of the route sequence map in a hierarchical structure. Each context element having one or more property values specifying at least one of an action to be performed by the service center and a link to one or more child context elements. It is determined whether the identified context element is an action context element or a navigation context element based on one or more property values associated with the identified context element. If so, an action specified by the identified context is performed.

  • DYNAMIC CUSTOMIZABLE PERSONALIZED LABEL

    A viewable Dynamic Customizable Personalized Label that may be directly affixable to a product or which may be integrated with the product itself or which may be separately viewable as a non-affixable but independent visual label. A set of personalized information specific to an end user associated with the labeled product is stored, particularly at the point-of-purchase or point of use so the end user can determine whether or not they are qualified to use or purchase the product based on the information provided on the label.

  • SYSTEM AND METHOD FOR AUTOMATED RETAIL PRODUCT ACCOUNTING

    A system and method including collecting image data of a purchase receipt; converting image data to machine readable data; generating a receipt model including at least one line item from the machine readable text data; selecting a product profile to associate with a line item through one of a tiered set of receipt heuristics, that includes: through a direct identifier heuristic, searching for a product identifier from a line item that corresponds to a product profile, and through an approximate match heuristic, calculating a score for the line item compared to at least one product profile of a master product list; and accounting for the selected product profile of the line item.

  • COMPENSATION SYSTEMS AND METHODS FOR A NETWORK MARKETING ORGANIZATION

    A method for compensating distributors in a network marketing system is disclosed. The method includes compensating a distributor based on a progressive pay compensation plan in which the distributor is paid a percentage of PV in the distributor's downline when the quantity of PV of the distributor and the distributor's downline reach a set of predetermined thresholds.

  • Sharing Reconfigurable Computing Devices Between Workloads

    One or more physical RCDs (PRCDs) are shared between one or more workloads in one or more virtual computing environments. Example PRCD sharing operations may include: (1) providing a virtual RCD (VRCD) for one of the workloads, the VRCD being programmed with an IC design representing a hardware implementation of a software hotspot in the workload, (2) allocating one of the PRCDs to the workload by scheduling the programmed VRCD on the PRCD, (3) burning the PRCD with the IC design of the programmed VRCD so that the PRCD becomes a programmed PRCD that is capable of implementing the workload's hotspot in hardware, and (4) invoking the programmed VRCD instead of executing the hotspot as software in order to cause the programmed PRCD to implement the hotspot in hardware.

  • Apparatus, System and Method For Configuration of Adaptive Integrated Circuitry Having Fixed, Application Specific Computational Elements

    The present invention concerns configuration of a new category of integrated circuitry for adaptive or reconfigurable computing. The preferred adaptive computing engine (ACE) IC includes a plurality of heterogeneous computational elements coupled to an interconnection network. The plurality of heterogeneous computational elements include corresponding computational elements having fixed and differing architectures, such as fixed architectures for different functions such as memory, addition, multiplication, complex multiplication, subtraction, configuration, reconfiguration, control, input, output, and field programmability. In response to configuration information, the interconnection network is operative to configure and reconfigure the plurality of heterogeneous computational elements for a plurality of different functional modes, including linear algorithmic operations, non-linear algorithmic operations, finite state machine operations, controller operations, memory operations, and bit-level manipulations. The preferred system embodiment includes an ACE integrated circuit coupled with the configuration information needed to provide an operating mode. Preferred methodologies include various means to generate and provide configuration information for various operating modes.

  • DYNAMICALLY RECONFIGURABLE STOCHASTIC LEARNING APPARATUS AND METHODS

    Generalized learning rules may be implemented. A framework may be used to enable adaptive signal processing system to flexibly combine different learning rules (supervised, unsupervised, reinforcement learning) with different methods (online or batch learning). The generalized learning framework may employ average performance function as the learning measure thereby enabling modular architecture where learning tasks are separated from control tasks, so that changes in one of the modules do not necessitate changes within the other. Separation of learning tasks from the control tasks implementations may allow dynamic reconfiguration of the learning block in response to a task change or learning method change in real time. The generalized learning apparatus may be capable of implementing several learning rules concurrently based on the desired control application and without requiring users to explicitly identify the required learning rule composition for that application.

  • METHOD AND APPARATUS FOR A RECONFIGURABLE OPTICAL ADD/DROP MODULE WITH LOOP-BACK FUNCTIONS

    A method and apparatus for approaches for troubleshooting optical networks, particularly ROADM-based networks is described. The method includes designating a first port, of an optical communication node of a transport network, as an ingress for a loop-back optical signal to troubleshoot the transport network, designating a second port, of the optical communication node, as an egress for the loop-back optical signal, and establishing a loop-back connection between the first port and the second port to transport the loop-back optical signal.

  • FIRST AND SECOND MEMORY CONTROLLERS FOR RECONFIGURABLE COMPUTING APPARATUS, AND RECONFIGURABLE COMPUTING APPARATUS CAPABLE OF PROCESSING DEBUGGING TRACE DATA

    An apparatus and a method for processing debugging trace data for a reconfigurable computing apparatus take advantage of a first mode and a second mode of the reconfigurable computing apparatus being mutually exclusive, wherein first instructions associated with a loop operation are executed in the first mode, and second instructions associated with a general operation other than the loop operation that can be processed in parallel are executed in the second mode, so that, without the need for an additional memory, debugging trace data can be efficiently stored using a first memory configured to store configuration information for use in configuring a connection path between processing elements arranged in a reconfigurable unit in the first mode, and a second memory from which an instruction word including a plurality of the second instructions is fetched in the second mode.

  • Customer Value Scoring Based on Social Contact Information

    Example systems and methods of customer value scoring based on social contact information are presented. In one example, a spending amount by a first user at an online commerce system is determined. Other users of the online commerce system that are affiliated with the first user are identified. A spending amount by each of the other users at the online commerce system is also determined. The spending amounts of the other users are weighted. A user value score for the first user is calculated based on the spending amount of the first user and weighted spending amounts of the other users.

  • APPLICATION ECOSYSTEM AND AUTHENTICATION

    Disclosed herein is a method for financial institutions to provide value added services to customers while preserving security of customer financial information. The method comprising providing a single point of access to a centralized platform wherein the platform may host one or more financial applications, enabling the selection and configuration of the one or more financial applications, sharing anonymized customer financial information between the financial institution and the one or more financial applications via a single conduit, analyzing the financial information by the financial applications, receiving results from the one more financial applications via the single conduit and displaying the results to the customer.

  • Systems and Methods for Delivering Tailored Content Based Upon a Consumer Profile

    The present disclosure includes a system, method, and article of manufacture for aggregating a consumer profile, identifying tailored content (e.g., in response to a trigger event and/or based upon a consumer profile), and/or tailoring a digital destination. For example, the systems may receive direct data indicating an interest in receiving specific content, aggregate that data into a consumer profile, compare the consumer profile to content, and/or identify tailored content based upon the comparison. Further, the systems may communicate the tailored content to a web client associated with a consumer, receive a transaction request from a web client, and/or receive bids associated with tailored content. In addition, these systems may prioritize tailored content comprising a plurality of tailored offers and/or forecast a budget for an upcoming experience.

  • METHODS AND SYSTEMS FOR CONNECTED SALES ASSOCIATE SERVICES

    A method and system for providing a connected sales associate service application via a mobile device. The application provides for an integrated platform upon which various tools for providing support to a sales associate are built. The application includes a database of information regarding the operation of a retail establishment, and a database of reference materials. The application provides a user interface for allowing several sales associate to access a central server for the retail establishment on multiple mobile devices. The user interface displays information regarding sales and inventory information and reference materials for products, such as user's manuals, which enable the sales associate to answer questions posed by customers. A sales associate can thus search for and find all store products which meet a customer's specifications.

  • Commerce System and Method of Optimizing Profit for Retailer from Price Elasticity of Other Retailers

    A commerce system has retailers offering products for sale to consumers. Product information is collected from retailers. A price elasticity of demand is determined for a first product from a first retailer. An estimated price elasticity of demand is determined for a second product for a second retailer based on the price elasticity of demand from the first retailer. The estimated price elasticity of demand is substantially equal to the price elasticity of demand. A price is determined for the second product for the second retailer based on the estimated price elasticity. A profit for the second product is optimized for the second retailer by selecting the price for the second product based on the estimated price elasticity. The commerce system is controlled by enabling the second retailer to select the price for the second product based on the estimated price elasticity.

  • INDUSTRY SPECIFIC BRAND BENCHMARKING SYSTEM BASED ON SOCIAL MEDIA STRENGTH OF A BRAND

    A brand monitoring platform (BMP) for brand benchmarking based on a brand's social media strength is provided. The BMP acquires input information on the brand and identifies industries related to the brand and competing brands. The BMP acquires social media information related to the brand and the competing brands from multiple social media sources via a network, dynamically generates categories in one or more hierarchical levels in each of the industries based on an independent analysis of the social media information, and sorts the social media information into the categories using a sorting interface. The BMP generates an aggregate score using an audience score determined by measuring an aggregate reach of the brand and the competing brands based on weighted audience score metric parameters, and an engagement score determined by measuring interaction between the brand and the competing brands and their followers based on weighted engagement score metric parameters.

  • System For Selling

    A system for selling comprises allowing an item 10 to be purchased by a user, allowing at least one cause to be associated with the item, providing a dispersement indicator 12 to indicate to a user that purchasing of the item liberates a dispersement to at least one cause, and dispersing the dispersement to the at least one cause when the item 10 is purchased by the user. Preferably there is provided a user account for the user which may allow dispersement information to be viewed by the user. Preferably dispersement settings are alterable by the user. Preferably there is provided a link protocol so that user and cause can be linked when a dispersement is made by user to cause. In an alternative embodiment, spontaneous cause creation may be facilitated via the system, with users able to push a cause, dispersing to the cause via otherwise unrelated purchases.

  • Commerce System and Method of Organizing Products into Product Families for Presentation on Shopping List

    A commerce system has retailers offering products for sale to consumers. Product information is collected associated with a plurality of products. The product information is received from a retailer in the form of transactional data or retrieved from a retailer website. The product information is stored in a database. The products are organized into a plurality of product families based on one or more related product attributes such as brand, size, price, ingredients, and additive. A shopping list is generated including one or more of the product families. The shopping list can be optimized based on the product information and weighted preferences for the product attributes for the product families. The shopping list is provided to a consumer to assist with purchasing decisions. The purchasing decisions within the commerce system are controlled by enabling the consumer to select products for purchase based on the shopping list.

  • Commerce System and Method of Providing Personalized Marketing Presentation with Products of Interest for Consumer

    A commerce system has retailers offering products for sale to consumers. Product information is collected associated with a plurality of products. Products of interest are presented to a first consumer based on the product information. The products of interest are selected based on a prior product selection by the first consumer, product selections by a second consumer, or retailer promoted products. The products of interest include comparative product information from a plurality of retailers. A shopping list is generated including one or more selected products of interest as determined by the first consumer. The shopping list including the selected products of interest is made available to the first consumer to assist with a purchasing decision. The purchasing decision within the commerce system is controlled by enabling the first consumer to select products for purchase based on the shopping list including the selected products of interest.

  • Commerce System and Method of Optimizing Profit for Retailer from Price Elasticity of Other Retailers

    A commerce system has retailers offering products for sale to consumers. Product information is collected from retailers. A price elasticity of demand is determined for a first product from a first retailer. An estimated price elasticity of demand is determined for a second product for a second retailer based on the price elasticity of demand from the first retailer. The estimated price elasticity of demand is substantially equal to the price elasticity of demand. A price is determined for the second product for the second retailer based on the estimated price elasticity. A profit for the second product is optimized for the second retailer by selecting the price for the second product based on the estimated price elasticity. The commerce system is controlled by enabling the second retailer to select the price for the second product based on the estimated price elasticity.

  • INDUSTRY SPECIFIC BRAND BENCHMARKING SYSTEM BASED ON SOCIAL MEDIA STRENGTH OF A BRAND

    A brand monitoring platform (BMP) for brand benchmarking based on a brand's social media strength is provided. The BMP acquires input information on the brand and identifies industries related to the brand and competing brands. The BMP acquires social media information related to the brand and the competing brands from multiple social media sources via a network, dynamically generates categories in one or more hierarchical levels in each of the industries based on an independent analysis of the social media information, and sorts the social media information into the categories using a sorting interface. The BMP generates an aggregate score using an audience score determined by measuring an aggregate reach of the brand and the competing brands based on weighted audience score metric parameters, and an engagement score determined by measuring interaction between the brand and the competing brands and their followers based on weighted engagement score metric parameters.

  • System For Selling

    A system for selling comprises allowing an item 10 to be purchased by a user, allowing at least one cause to be associated with the item, providing a dispersement indicator 12 to indicate to a user that purchasing of the item liberates a dispersement to at least one cause, and dispersing the dispersement to the at least one cause when the item 10 is purchased by the user. Preferably there is provided a user account for the user which may allow dispersement information to be viewed by the user. Preferably dispersement settings are alterable by the user. Preferably there is provided a link protocol so that user and cause can be linked when a dispersement is made by user to cause. In an alternative embodiment, spontaneous cause creation may be facilitated via the system, with users able to push a cause, dispersing to the cause via otherwise unrelated purchases.

  • Commerce System and Method of Organizing Products into Product Families for Presentation on Shopping List

    A commerce system has retailers offering products for sale to consumers. Product information is collected associated with a plurality of products. The product information is received from a retailer in the form of transactional data or retrieved from a retailer website. The product information is stored in a database. The products are organized into a plurality of product families based on one or more related product attributes such as brand, size, price, ingredients, and additive. A shopping list is generated including one or more of the product families. The shopping list can be optimized based on the product information and weighted preferences for the product attributes for the product families. The shopping list is provided to a consumer to assist with purchasing decisions. The purchasing decisions within the commerce system are controlled by enabling the consumer to select products for purchase based on the shopping list.

  • Commerce System and Method of Providing Personalized Marketing Presentation with Products of Interest for Consumer

    A commerce system has retailers offering products for sale to consumers. Product information is collected associated with a plurality of products. Products of interest are presented to a first consumer based on the product information. The products of interest are selected based on a prior product selection by the first consumer, product selections by a second consumer, or retailer promoted products. The products of interest include comparative product information from a plurality of retailers. A shopping list is generated including one or more selected products of interest as determined by the first consumer. The shopping list including the selected products of interest is made available to the first consumer to assist with a purchasing decision. The purchasing decision within the commerce system is controlled by enabling the first consumer to select products for purchase based on the shopping list including the selected products of interest.

  • Commerce System and Method of Optimizing Profit for Retailer from Price Elasticity of Other Retailers

    A commerce system has retailers offering products for sale to consumers. Product information is collected from retailers. A price elasticity of demand is determined for a first product from a first retailer. An estimated price elasticity of demand is determined for a second product for a second retailer based on the price elasticity of demand from the first retailer. The estimated price elasticity of demand is substantially equal to the price elasticity of demand. A price is determined for the second product for the second retailer based on the estimated price elasticity. A profit for the second product is optimized for the second retailer by selecting the price for the second product based on the estimated price elasticity. The commerce system is controlled by enabling the second retailer to select the price for the second product based on the estimated price elasticity.

  • Customer Experience Management System Using Dynamic Three Dimensional Customer Mapping and Engagement Modeling

    A system and method that creates a real-time dynamic three dimensional customer profile for customers and enriches the dynamically created three dimensional customer profile, to deploy the next best actions (NBA) or best business actions (BBA) so as to enhance customer experience includes a linear transaction processing engine that acquires data from disparate sources to create a three dimensional customer profile for each customer, a data miner that provides different types of analytics based on correlation processing between the customer profiles and also maps the customer engagement modeling onto the dynamic three dimensional customer profile to apply the most relevant next best action and best business action for that customer and a policy designer layer that designs and launch programs based on the generated dynamic three dimensional customer profile and a presentation layer responsible for user interactions.

  • SYSTEMS AND METHODS FOR PROVIDING EXTENDED SHIPPING OPTIONS

    Techniques for providing extended shipping options are described. In some embodiments, a user may specify extended shipping options that are not otherwise provided by or accessible via an existing shipment information specification user interface. In one embodiment, the user accesses a module configured to facilitate specification of extended shipping options and in response, provide an indicator of the specified extended shipping option, such as a tag or uniform resource identifier. The indicator of the extended shipping option is then incorporated into a user interface element, such as an address field, of the shipment information specification user interface. Once the user finalizes the order, the indicator of the extended shipping option is transmitted along with other shipment information items to a merchant and/or carrier system, where services specified by the extended shipping option are initiated.

  • ASSORTMENT PLANNING AND OPTIMIZATION

    The present subject matter relates to systems and methods for assortment planning and optimization in a retail environment. In one implementation, a method for assortment planning and optimization is described. The method includes receiving assortment parameter data, and input information. The input information includes performance data, product data, fixture data and store data. Further, the method includes ranking product items based at least on the assortment parameter data and the input information. Furthermore, the method includes creating a listing of the product items based at least on the ranking. Such listing of the product items is processed based at least on predefined business rules, to generate one or more assortment solutions for providing optimal gross margins.

  • Method And System For Orders Planning And Optimization With Applications To Food Consumer Products Industry

    A system, a computer program product, and a method for order planning and optimization are disclosed. A first data is received, where the first data represents historical shipment data of an item from a distributor to a location. The received first data is processed and a model for at least one shipping pattern of the item from the distributor to the location is determined based on the processed received first data. A forecast for a future shipping demand of the item by the location is generated based on the determined model. At least one shipping pattern of the item from the distributor to the location is optimized based on the generated forecast.

  • TESTING DEVICE FOR REMOVING CUSTOMER PERSONAL INFORMATION FROM AN ELECTRONIC DEVICE

    A testing device, system, and method for removing customer personal information (CPI). The testing device includes a user interface for communicating information and receiving user input. The testing device also includes interfaces operable to communicate with the one or more electronic devices. The testing device also includes a memory configured to store a libraries providing information for removing CPI from electronic devices including a number of makes, models, and configurations. The testing device also includes logic operable to utilize the libraries to analyze CPI included on the one or more electronic devices, record an identification of the one or more electronic devices in response to determining the CPI is present on the one or more electronic devices, remove the CPI from the one or more electronic devices in response to determining the CPI is present on the one or more electronic devices, and report the identification and CPI information of the one or more electronic devices in response to determining the CPI was present on the one or more electronic devices.

  • METHOD FOR REMOVING CUSTOMER PERSONAL INFORMATION FROM AN ELECTRONIC DEVICE

    A system and method for processing electronic devices to determine removal of customer personal information (CPI). An electronic device is connected to a test device. A number of electronic devices including the electronic device are received for determining that the CPI is removed from a number of sources. The number of electronic devices include a number of makes and models of electronic devices. A determination of whether CPI is included on the electronic device is made. An identification of the electronic device is recorded in response to determining that CPI is included on the electronic device. The CPI is cleared form the electronic device in response to determining that the CPI is included on the electronic device. The identification of the electronic devices and metadata is reported in response to determining the CPI was included on the electronic device.

  • SYSTEMS AND METHODS FOR DUAL READER EMULATION

    Systems and methods for emulating credentials are disclosed. In some cases, the systems include an access credential reader and an access credential writer. The access credential reader is communicably coupled to the access credential writer. The access credential reader is operable to receive information from an access credential, and to transfer at least a portion of the information to the access credential writer. The access credential writer is operable to transfer at least the portion of the information to an emulation access credential.

  • METHOD AND SYSTEM FOR FACILITATING RAPID DEVELOPMENT OF END-TO-END SOFTWARE APPLICATIONS

    A method and system for rapidly generating software applications is provided. An application model of a software application is generated which comprises modeled components and technology stack information. The modeled components correspond to functional and design aspects of the software application. The application model is generated by dragging and dropping multiple components into corresponding modeling perspectives defined in a visual modeling environment. Descriptors are generated for the application model which are logical representations describing each of the modeled components. Further, the descriptors are generated from application model object of the application model. Furthermore, technology templates are identified based on the technology stack information in the application model. The technology templates are predetermined templates comprising scripting languages for automatically transforming the application model into one or more technologies. Code related to the software application is generated based on the descriptors and the identified technology templates.

  • SYSTEM AND METHOD FOR OPERATING A PRODUCT RETURN SYSTEM

    A system and method for operating a product return system. One or more electronic devices are received from a carrier at a return provider. A determination is made whether the one or more electronic devices include customer personal information. The one or more electronic devices are quarantined in response to determining the one or more electronic devices include CPI. The one or more electronic devices are processed in response to determining the CPI has been removed.

  • INTERACTIVE RETAIL SHOPPING ENVIRONMENT AND INTERFACES EMPLOYED THEREIN

    An interactive retail shopping system includes one or more computing devices and a date store operatively coupled to the computing devices. Each of the computing devices includes a processor, memory operatively coupled to the processor and a display device operatively coupled to the processor for exhibiting data and information thereon. The data store includes data and information defining an inventory of merchandise. Each of the processors execute computer implemented instructions that allow consumers to locate, to review and to select merchandise from within the inventory of merchandise, and that allow a retailer to pick and to present the selected merchandise and alternative merchandise to the consumers for purchase within a retail shopping environment.

  • DELIVERING CUSTOMER SPECIFIED RECEIPT TYPES AT CHECKOUT

    The present invention extends to methods, systems, and computer program products for delivering customer specified receipt types at checkout. A customer specifies receipt delivery preferences at a mobile device (e.g., specifying delivery of a digital receipt and/or a paper receipt at checkout). The mobile device sends the customer's receipt delivery preferences to a receipt preferences database server for storage in a receipt preferences database. During a sales transaction, a point-of-sale ("POS") system refers to the receipt preferences database (or a relevant portion thereof) to access the customer's receipt delivery preferences. Based on the customer's receipt delivery preferences, the point-of-sale ("POS") system delivers appropriate types of receipts (e.g. digital and/or paper) to the customer.

  • Systems And Methods For Product Purchase And Registration

    Systems and methods for product purchase and registration are disclosed. One disclosed method includes the steps of capturing a product identifier, the product identifier identifying a product; transmitting the product identifier to a first remote server; responsive to transmitting the product identifier, receiving a vendor identification number (VIN), the VIN based on the product identifier; providing the VIN to a point-of-sale (POS) device; and activating the product.

  • System and Method for Secure Electronic Tender

    A secure tender electronic card for use in purchasing a service or a commodity comprises: a plastic substrate; at least two radio frequency identifications (RFIDs) embedded within the plastic substrate, the RFIDs including: a card code RFID with an identification chip having embedded therein an electronic card identification code associated with a card account file resident in a remote server, the card account file including a beneficiary code and a card usage parameter; and a tender RFID with a tender chip having embedded therein a code associated with at least some of the monetary value of the electronic card.

  • SYSTEM AND METHOD FOR MOBILE AND SOCIAL CUSTOMER RELATIONSHIP MANAGEMENT

    The present subject matter relates to systems and methods for assortment planning and optimization in a retail environment. In one implementation, a method for assortment planning and optimization is described. The method includes receiving assortment parameter data, and input information. The input information includes performance data, product data, fixture data and store data. Further, the method includes ranking product items based at least on the assortment parameter data and the input information. Furthermore, the method includes creating a listing of the product items based at least on the ranking. Such listing of the product items is processed based at least on predefined business rules, to generate one or more assortment solutions for providing optimal gross margins.

  • Method And System For Orders Planning And Optimization With Applications To Food Consumer Products Industry

    A system, a computer program product, and a method for order planning and optimization are disclosed. A first data is received, where the first data represents historical shipment data of an item from a distributor to a location. The received first data is processed and a model for at least one shipping pattern of the item from the distributor to the location is determined based on the processed received first data. A forecast for a future shipping demand of the item by the location is generated based on the determined model. At least one shipping pattern of the item from the distributor to the location is optimized based on the generated forecast.

  • METHOD AND SYSTEM FOR FACILITATING RAPID DEVELOPMENT OF END-TO-END SOFTWARE APPLICATIONS

    A method and system for rapidly generating software applications is provided. An application model of a software application is generated which comprises modeled components and technology stack information. The modeled components correspond to functional and design aspects of the software application. The application model is generated by dragging and dropping multiple components into corresponding modeling perspectives defined in a visual modeling environment. Descriptors are generated for the application model which are logical representations describing each of the modeled components. Further, the descriptors are generated from application model object of the application model. Furthermore, technology templates are identified based on the technology stack information in the application model. The technology templates are predetermined templates comprising scripting languages for automatically transforming the application model into one or more technologies. Code related to the software application is generated based on the descriptors and the identified technology templates.

  • SYSTEM AND METHOD FOR OPERATING A PRODUCT RETURN SYSTEM

    A system and method for operating a product return system. One or more electronic devices are received from a carrier at a return provider. A determination is made whether the one or more electronic devices include customer personal information. The one or more electronic devices are quarantined in response to determining the one or more electronic devices include CPI. The one or more electronic devices are processed in response to determining the CPI has been removed.

  • INTERACTIVE RETAIL SHOPPING ENVIRONMENT AND INTERFACES EMPLOYED THEREIN

    An interactive retail shopping system includes one or more computing devices and a date store operatively coupled to the computing devices. Each of the computing devices includes a processor, memory operatively coupled to the processor and a display device operatively coupled to the processor for exhibiting data and information thereon. The data store includes data and information defining an inventory of merchandise. Each of the processors execute computer implemented instructions that allow consumers to locate, to review and to select merchandise from within the inventory of merchandise, and that allow a retailer to pick and to present the selected merchandise and alternative merchandise to the consumers for purchase within a retail shopping environment.

  • DELIVERING CUSTOMER SPECIFIED RECEIPT TYPES AT CHECKOUT

    The present invention extends to methods, systems, and computer program products for delivering customer specified receipt types at checkout. A customer specifies receipt delivery preferences at a mobile device (e.g., specifying delivery of a digital receipt and/or a paper receipt at checkout). The mobile device sends the customer's receipt delivery preferences to a receipt preferences database server for storage in a receipt preferences database. During a sales transaction, a point-of-sale ("POS") system refers to the receipt preferences database (or a relevant portion thereof) to access the customer's receipt delivery preferences. Based on the customer's receipt delivery preferences, the point-of-sale ("POS") system delivers appropriate types of receipts (e.g. digital and/or paper) to the customer.

  • Systems And Methods For Product Purchase And Registration

    Systems and methods for product purchase and registration are disclosed. One disclosed method includes the steps of capturing a product identifier, the product identifier identifying a product; transmitting the product identifier to a first remote server; responsive to transmitting the product identifier, receiving a vendor identification number (VIN), the VIN based on the product identifier; providing the VIN to a point-of-sale (POS) device; and activating the product.

  • System and Method for Secure Electronic Tender

    A secure tender electronic card for use in purchasing a service or a commodity comprises: a plastic substrate; at least two radio frequency identifications (RFIDs) embedded within the plastic substrate, the RFIDs including: a card code RFID with an identification chip having embedded therein an electronic card identification code associated with a card account file resident in a remote server, the card account file including a beneficiary code and a card usage parameter; and a tender RFID with a tender chip having embedded therein a code associated with at least some of the monetary value of the electronic card.

  • SYSTEM AND METHOD FOR MOBILE AND SOCIAL CUSTOMER RELATIONSHIP MANAGEMENT

    Methods and systems for facilitating electronic transactions using one or more computer based devices and remote requests and authorizations for funding proposed transactions for products or services.

  • System and Methods for Delivering Targeted Marketing Offers to Consumers Via an Online Portal

    A system and methods for delivering targeted marketing offers to consumers during a session with an online (web-based) Internet portal, particularly suitable for online banking portals of financial institutions. An offer management system receives information corresponding to an advertising campaign of an advertiser corresponding to terms of a targeted marketing offer to be provided to a consumer accessing the online portal, and provides advertising campaign data corresponding to the targeted marketing offer and to an offer-triggering event to an offer placement system. An offer placement system receives the advertising campaign data, determines the occurrence of the offer-triggering event by a consumer during an online session with the online portal, and delivers information corresponding to the targeted marketing offer to the consumer. In response to the offer-triggering event, such as display of a list of transactions, the predetermined targeted marketing offer is delivered to the consumer during the online session.

  • PROVIDING TARGETED OFFERS ON FINANCIAL TRANSACTION RECEIPTS

    Embodiments are directed to aggregating product savings into a quick response (QR) code and to providing a targeted offer via a financial transaction receipt. In one scenario, a computer system scans various items that are provided for sale by a retailer. The scanning resulting in scanning information that corresponds to the scanned items. The computer system sends the scanning information for the scanned items to a second computer system to determine whether coupons or price discounts apply to the scanned items. The computer system then receives coupons or price discounts for the scanned items from the second computer system and aggregates each of the received coupons or price discounts into a QR code that is presentable by a customer at a point of sale to redeem the coupon or price discount for the scanned items.

  • Offer redemption of an offer at a retailer interface that identifies a retail transaction and line items used by offer validation

    An offer redemption system is provided with least one computing device. An offer clearinghouse application is executable in the at least one computing device. The offer clearinghouse application includes, (i) one or more processes that receives details of an offer including at least one product to which n offer applies and at least one offer restriction for the offer, (ii) one or more processors that provides for distribution of the offer to users on behalf of an advertiser and (iii) one or more processors that provides for redemption of the offer with a retailer. A retailer interface receives, at a time of offer redemption, information to identify a retail transaction and line item used by an offer validation.