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Ina patents



      
           
This page is updated frequently with new Ina-related patent applications. Subscribe to the Ina RSS feed to automatically get the update: related Ina RSS feeds. RSS updates for this page: Ina RSS RSS


Date/App# patent app List of recent Ina-related patents
09/11/14
20140259225
 Manipulation of serine/threonine protein phosphatases for crop improvement patent thumbnailManipulation of serine/threonine protein phosphatases for crop improvement
Methods and compositions relating to altering nitrogen utilization and/or uptake or yield in plants. Recombinant expression cassettes, host cells and transgenic plants are described.
09/11/14
20140259218
 Nucleic acid molecules and other molecules associated with plants and uses thereof for plant improvement patent thumbnailNucleic acid molecules and other molecules associated with plants and uses thereof for plant improvement
Recombinant polynucleotides and recombinant polypeptides useful for improvement of plants are provided. The disclosed recombinant polynucleotides and recombinant polypeptides find use in production of transgenic plants to produce plants having improved properties..
09/11/14
20140259217
 Polynucleotides and polypeptides involved in post-transcriptional gene silencing patent thumbnailPolynucleotides and polypeptides involved in post-transcriptional gene silencing
This invention relates to isolated nucleic acid fragments encoding polypeptides involved in post-transcriptional gene silencing. The invention also relates to construction of a recombinant dna construct encoding all or a portion of the polypeptide involved in post-transcriptional gene silencing, in sense or antisense orientation, wherein expression of the recombinant dna construct results in production of altered levels in a transformed host cell of the polypeptide involved in post-transcriptional gene silencing..
09/11/14
20140259214
 Plant homolog to autophagy protein p62 patent thumbnailPlant homolog to autophagy protein p62
The present invention comprises recombinant dna molecule, expression cassette, dna vector, binary plasmid, plant cell and a method of polypeptide production in eukaryotic organism and use thereof. In more details, it provides the means, through using methods of genetic engineering, of obtaining plants with advantageous breeding features, particularly with increased tolerance to abiotic stresses including mineral deficiency or plants useful for monitoring the process of autophagy..
09/11/14
20140259208
 Reverse breeding patent thumbnailReverse breeding
A method for efficiently producing homozygous organisms from a heterozygous non-human starting organism, comprising providing of a heterozygous starting organism; allowing the starting organism to produce haploid cells; creating homozygous organisms from the haploid cells thus obtained; and selecting the organisms having the desired set of chromosomes; wherein during production of the haploid cells no recombination occurs in order to obtain a limited number of genetically different haploid cells. Recombination can also be prevented or suppressed..
09/11/14
20140259191
 Fish anesthetic and method patent thumbnailFish anesthetic and method
This invention relates to a method of sedating, anaesthetising or euthanising an aquatic organism comprising the step of contacting said organism with linalool, a compositions, a body of water containing thereof and a method of transporting an aquatic organism.. .
09/11/14
20140259062
 Media sharing and communication system patent thumbnailMedia sharing and communication system
The present invention relates generally to media sharing and communication systems and methods of providing the same. In one exemplary embodiment, the system includes a media content provider configured to disseminate media to a plurality of media receivers.
09/11/14
20140258926
 Mobile terminal and control method thereof patent thumbnailMobile terminal and control method thereof
The present disclosure relates to a mobile terminal capable of displaying screen information and a control method thereof. A mobile terminal according to an embodiment of the present disclosure may include a display unit formed to display screen information; an interface unit through which an external device is detachably connected to the mobile terminal; a sensing unit configured to sense whether the external device is coupled to or separated from at least one of which port included in the interface unit; and a controller configured to display graphic data corresponding to the sensing result of the sensing unit on the display unit and display at least one execution menu on the display unit to execute a function associated with the sensing result..
09/11/14
20140258913
 Image processing system, image processing control method, and recording medium storing image processing control program patent thumbnailImage processing system, image processing control method, and recording medium storing image processing control program
An image processing system that includes an image processing apparatus and an information processing device that is separate from the image processing apparatus and controls operation of the image processing apparatus. The information processing device includes a display configured to display one of a standard screen that displays multiple setting items to be configured in operating the image processing apparatus and a simple screen that displays some of the multiple setting items displayed on the standard screen, an operational acceptance unit to accept an operation performed on a screen displayed on the display of the information processing device, and a display switcher configured to switch display on the display of the information processing device between the standard screen and the simple screen when the operation accepted by the operational acceptance unit indicates a predetermined operation regardless of coordinates of the operation performed on the screen..
09/11/14
20140258906
 Mobile terminal and control method thereof patent thumbnailMobile terminal and control method thereof
A mobile terminal and a control method thereof are provided. The mobile terminal includes a display unit configured to output visual information; a memory configured to store contents; a user input unit configured to set an access range with respect to contents; and a controller configured to determine whether to output contents stored in the memory according to an output request when the output request with respect to the contents is received in a state in which an operation limit mode is activated, wherein the controller outputs the contents corresponding to the output request to the display unit according to whether the contents corresponding to the output request is within the access range..
09/11/14
20140258881
Methods and systems for loading data into terminal devices
A method and system for loading data into a terminal device are disclosed. The method includes the steps of displaying icons in a user interface of the terminal device and determining whether data correspond to an icon in a defined display area.
09/11/14
20140258773
Match server for a financial exchange having fault tolerant operation
Fault tolerant operation is disclosed for a primary match server of a financial exchange using an active copy-cat instance, a.k.a. Backup match server, that mirrors operations in the primary match server, but only after those operations have successfully completed in the primary match server.
09/11/14
20140258551
Method for implementing session border controller pool, and session border controller
A method for implementing a session border controller (sbc) pool and a sbc device are provided. In the present invention, an sbc pool is formed by at least two sbcs, the at least two sbcs are mutually backed up for disaster recovery and use a same internet protocol (ip) address for a terminal device, and whether the terminal device is registered in the sbc pool is determined; and if the terminal device has been registered in the sbc pool, a service message is forwarded to an sbc with which the terminal device is registered.
09/11/14
20140258539
Minimizing workload migrations during cloud maintenance operations
A method, system and computer program product for minimizing workload migrations during cloud maintenance operations. Upon receiving an indication that a scheduled maintenance operation is to be performed, a cloud controller uploads the maintenance binaries associated with the scheduled maintenance operation and analyzes the maintenance binaries so as to evaluate the requirements of the maintenance packages and dependencies associated with the scheduled maintenance operation.
09/11/14
20140258530
Method for acquiring access rights to a product or a service
A method of acquiring access rights to a product or a service. The method comprises receiving an access right to a service and/or a product by a multimedia unit, said right being sent by a right provider; transmitting said access right from said multimedia unit to a mobile terminal, said transmission using a near field communication; and storing said right in a memory of the mobile terminal..
09/11/14
20140258487
Minimizing workload migrations during cloud maintenance operations
A method, system and computer program product for minimizing workload migrations during cloud maintenance operations. Upon receiving an indication that a scheduled maintenance operation is to be performed, a cloud controller uploads the maintenance binaries associated with the scheduled maintenance operation and analyzes the maintenance binaries so as to evaluate the requirements of the maintenance packages and dependencies associated with the scheduled maintenance operation.
09/11/14
20140258480
Apparatus and method for controlling network access for applications on mobile terminals
An apparatus and method for configuring a firewall application for controlling network access of applications included on a mobile terminal are provided. The method includes executing the firewall application displaying a list of at least one application stored on the mobile terminal, selecting at least one of the applications from the displayed list, selecting at least one parameter type corresponding to the at least one selected application, and configuring at least one parameter setting corresponding to the at least one selected parameter type, wherein the firewall application is executed according to the configured at least one parameter setting..
09/11/14
20140258476
File transmission to communication-disabled terminal
An apparatus for transmitting a file to a terminal device in a communication-disabled state includes a transceiver unit includes: a transceiver unit to transmit and receive data; a storage unit to store therein file information on a file uploaded to a content server by a transmitting terminal device using a first protocol; and a control unit to receive the file information from the transmitting terminal device through the transceiver unit using a second protocol, deliver the received file information to a receiving terminal device using the second protocol, store the file information in the storage unit when a predetermined time elapses without a response from the receiving terminal device, and transmit the stored file information to the receiving terminal device through the transceiver unit when the receiving terminal device enters into a communication-enabled state.. .
09/11/14
20140258430
Server, device and recording medium for http file transfer during chatting session established by another protocol
A message server for transferring a file by using hypertext transfer protocol (http) during a chatting session established by another protocol, includes: a server transceiver unit configured to transmit and receive data; and a server control unit configured to provide a chatting service by establishing the chatting session between a transmitting terminal device and a receiving terminal device through the server transceiver unit, and transmit file link information to the receiving terminal device through the server transceiver unit when the file link information is received from the transmitting terminal device through the server transceiver unit, wherein the file link information is associated with a file uploaded using http to a content server by the transmitting terminal device.. .
09/11/14
20140258414
Server device, terminal device, and program
According to an illustrative embodiment, an information processing system is provided. The information processing system includes at least one control unit to designate a user-access position within sequential content at which a user accesses the sequential content, and to associate the user with other users who each access the sequential content at a position that is the same, or close to, the user-access position..
09/11/14
20140258380
Terminal device, non-transitory computer-readable storage medium storing computer program for terminal device, and system
A terminal device may receive server-side display order information transmitted from a server device. The server-side display order information may indicate a server-side display order, designated on a server side, of a plurality of object images included in a display screen displayed on a display unit of the terminal device.
09/11/14
20140258325
Contact searching method and apparatus, and applied mobile terminal
The present invention provides a contact searching method, including: receiving first input of a user; selecting a first grapheme from a first graphemes sequence according to the first input, the first graphemes sequence being displayed on a display; where the first graphemes sequence is associated with an initial unit of characters in multiple contact labels; receiving second input of the user; selecting a second grapheme from a second graphemes sequence according to the second input, the second graphemes sequence being displayed on the display, and the second graphemes sequence being associated with a secondary unit of characters in the multiple contact labels; and searching for and displaying a contact label on the display, where contact label is matched with the first grapheme and the second grapheme.. .
09/11/14
20140258309
Systems and methods for providing a review platform
A method for personalizing reviews for a user on a social network, comprising the steps of: receiving from at least two or more users a rating and a recommendation for a reviewable item, wherein the rating is numerical value in a rating scale, and wherein a recommendation is a binary endorsement; receiving a request from a user to view the ratings and recommendations for one or more reviewable items; determining a combined rating and an combined recommendation for all users of the social network at one or more social degrees for the one or more reviewable items; and displaying, by a user interface, the combined rating and combined recommendation for all users of the social network at one or more social degrees for the one or more reviewable items.. .
09/11/14
20140258283
Computing device and file searching method using the computing device
In a file searching method using a computing device, the computing device connects to one or more terminal devices. An electronic file is obtained from a database when a file name is inputted from one of the terminal devices, and the file is analyzed to obtain a title and text content of the file.
09/11/14
20140258281
Method and server for searching for nearby user in social networking services
When location information and a user identification (id) is received from a client terminal device of a user x, a grid y, to which the location information belongs, is determined. The user id and the location information of the user x is stored in a list of the grid y.
09/11/14
20140258269
Geospatial and temporal data system
A system is described that a geospatial coordinate component arranged to identify a set of geospatial coordinates from a geospatial dataset. A temporal coordinate component is arranged to identify a set of temporal coordinates from a temporal dataset.
09/11/14
20140258182
Mobile terminal and control method thereof
A mobile terminal including a wireless communication unit configured to wirelessly communicate with at least one other terminal; a display unit configured to display screen information in a first region, and display an indicator area in a second region adjacent to the first region; and a controller configured to extract at least one keyword data included the displayed screen information, perform a search operation using the extracted keyword data, and display a result of the search operation in the second region.. .
09/11/14
20140258180
Financial optimization system and method
The invention relates to investment optimizing systems and methods. Once an investor or investment advisor determines the appropriate asset allocation and there are both taxable accounts and at least one of a tax-deferred and tax-free investment account, the systems and methods will optimize the investor's after-tax asset accumulation.
09/11/14
20140258179
Open retirement account
Methods, systems, and computer-readable media for providing an open retirement account are presented. An open retirement account may comprise of one or more financial accounts, for example, a checking account, a savings account, a 401k, an individual retirement account (ira), a roth ira, a certificate of deposit (cd), or any other suitable financial account.
09/11/14
20140258177
System and method for detection and display of divergence within a finanical data set
A system and method provides for the detection of divergence within a financial data set including receiving a plurality of financial data points from a financial data set providing values of the financial data points over a first time interval. The method and system electronically generates a graphical display of the financial data points over the first time interval and receives a user selection of a plurality of technical indicators applicable to the financial data points, as well as electronically applying the technical indicators to the financial data points to generate technical indicator data points and electronically detecting at least one divergence between the values of the financial data set and the financial data indictor points during a second time interval.
09/11/14
20140258176
System and method for dynamic visual representation of estimated financial data
A system and method provides for visual analysis of graphical representations of financial data including one or more processing devices operative to perform processing operations including electronically generating a graphical display for a plurality of historical financial data, including the graphical display of values of the financial data over a first time interval. The method and system further includes electronically generating a technical overlay based on the historical financial data and incorporating it within the graphical display.
09/11/14
20140258157
Feedback for financial contributions
Exemplary methods, apparatuses, and systems display selectable partners to facilitate a financial contribution from a user, receive user selection of one of the partners and an amount of the financial contribution, receive partner feedback to demonstrate an impact of the financial contribution, and display the feedback to the user. The feedback includes a photograph taken of a beneficiary of the financial contribution upon receiving benefit of the financial contribution.
09/11/14
20140258133
Secure mobile-based financial transactions
Devices, systems and methods are disclosed which relate to securing payments from a mobile communications device. In exemplary embodiments, a mobile communications device communicates with a payment server via a point-of-sale device to conduct a transaction.
09/11/14
20140258132
System and method for secure electronic transaction
The various embodiments herein provide a system for a secure electronic transaction. The system comprises a dongle connected to a computing device for reading an electronic card data, a client application running on the client device for collecting a transaction information from a customer, a service provider system connected to the computing device through a first communication network for transmitting the collected transaction information and the audio signal from the computing device to the service provider system, a production server located at the service provider system for processing the received card data, a payment server for processing the audio signal, a second communication network for transmitting a processed card data from the production server to a payment system and a payment gateway running on the payment system for interfacing with the service provider system.
09/11/14
20140258128
Method for managing fund security and mobile terminal
The disclosure discloses a method for managing fund security, including that: a fund-security controlling strategy is generated according to a preset fund-security-controlling-strategy configuring file; and permission of using a paid function by an application is controlled according to a strategy controlling permission of using a paid function in the fund-security controlling strategy when it is detected that the application is about to use a paid function defined in the fund-security controlling strategy. The disclosure also provides a mobile terminal.
09/11/14
20140258126
Offsite financial account onboarding
Offsite financial account onboarding is provided which creates a more streamlined process for a customer. The customer accesses a money services business electronic system to request financial account setup.
09/11/14
20140258123
Tokenized payment service registration
Processes for registering a user for a payment service are disclosed herein. Some of the processes involve the delivery of tokenized external fund transfer information from a financial institution to a payment service.
09/11/14
20140258122
Fraud detection based on age of contact information
Systems and methods for determining trustworthiness of a user are described. The methods include receiving information provided by the user to set up a new financial account, extracting contact information from the received information, transmitting the contact information to a third party to determine an age of the contact information, receiving the age of the contact information, and based on the age, assigning a confidence metric, wherein the confidence metric is associated with the trustworthiness of the user..
09/11/14
20140258117
Methods and systems for handling currency
A bulk deposit can be made at a financial institution based on dealings between a remitter and the remitter's agent. Information concerning transactions between the agent and the agent's customers, may be transferred by the agent to the remitter and, in turn, from the remitter to a service provider that is distinct from the agent, the remitter, and the remitter's bank.
09/11/14
20140258116
Flexible open origination
In the field of banking and financial services, a flexible open origination allows any type of mobile, internet, online, personal financial management software, finance tool, or other useful function, device or software, that a bank or financial institution provides to account holders, and offers that same functionality that allows any user regardless of account status. Non-account holders can download and utilize the banking software in question in order to enjoy its features, an in order to become familiar with the experience of doing business with the bank or financial institution that provides the software.
09/11/14
20140258113
System and method for secured account numbers in proximity devices
A method and system for using a secured account number for processing proximity types of wireless financial transactions associated with portable consumer proximity devices is disclosed. In one embodiment, the method includes receiving a proximity type of wireless financial transaction request along with a secured account number from a portable proximity consumer device such as a contactless smart card, converting the secured account number to the user's real account number, and transmitting the financial transaction request along with the user's real account number to the issuer of the user's real account number for authorization and processing..
09/11/14
20140258110
Methods and arrangements for smartphone payments and transactions
The disclosure relates to a smartphone-based virtual wallet, that manages payment options available to a user. One claim recites a method employing a user's portable device, the device including a display and a sensor, the method including acts of: initiating a multi-party auction to solicit bids from a plurality of financial vendors to facilitate a financial transaction for the user, the plurality of remotely-located financial vendors being associated with the user via a virtual wallet hosted on the user's portable device; receiving bids from the plurality of financial vendors; presenting a user interface using the display, the user interface identifying at least two bids solicited from the multi-party auction; upon receiving an indication of a user-selected bid from the at least two bids, initiating a financial transaction using at least some of the details in the user selected bid and information obtained from the virtual wallet.
09/11/14
20140258102
Multiple account advanced payment card and method of routing card transactions
A system of accessing through a financial processing network multiple accounts associated with a single financial card. Data is input to the financial network in addition to the transaction data and the account identification data that in read from the card.
09/11/14
20140258096
Consumer behaviors at lender level
The present disclosure generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More specifically, it relates to rating lenders based on data derived from their respective consumers.
09/11/14
20140258095
Communication system and method between a home buyer, seller, strategic business source, and lender
A computerized system and method are presented for exchanging information between a buyer, a seller, a lender, and a strategic business source. The system permits sellers, lenders and strategic business sources to input buyers that are then submitted for activation.
09/11/14
20140258094
Systems and methods for dynamically providing financial loan products
The disclosed embodiments include methods and systems for collecting, managing, and processing business data for lending services. In one embodiment, a lending system is disclosed that may register a small business with a lending service provided by a lending system and receive first small business data from the small business.
09/11/14
20140258092
Systems and methods for analyzing financial accounts and business efforts based on lender information
The disclosed embodiments include methods and systems for assessing financial account requests. In one embodiment, a method is disclosed that includes receiving a request from a borrower for a first financial account offered by a financial service provider.
09/11/14
20140258091
Systems and methods for aggregating and managing financial service accounts
The disclosed embodiments include methods and systems for providing an aggregated financial service account based on multiple private label financial accounts. In one embodiment, a process is disclosed that may include receiving a first request from a user for a first private label financial account that is usable for purchases associated with a first merchant and approving the first request for the first private label financial account.
09/11/14
20140258087
System and method for facilitating web-based peer-to-peer rotating financial transactions
Various methods and systems for facilitating web-based peer-to-peer rotating financial transactions associated with a rotating fund shared among a circle of peers connected within one or more social networks are disclosed. In embodiments, a web service platform executed by a funding system enables a first party to organize a funding circle.
09/11/14
20140258086
System and method for generating a rotating funding cycle
System and method for generating a rotating funding cycle for a web-based peer-to-peer rotating funding circle executed on a web service platform of a funding system is disclosed. In embodiments, a rotating funding cycle is generated based on a party's selection of criteria associated with the funding circle.
09/11/14
20140258085
System and method for managing risk in web-based peer-to-peer rotating financial transactions
A system and method for generating risk management tools for web-based peer-to-peer rotating financial transactions executed by a funding system is disclosed. The risk management tools assist a funding circle organizer in addressing late contribution payments.
09/11/14
20140258083
Systems and methods for microfinance credit data processing and reporting
Systems and methods are provided for processing microfinance-related credit data and generating credit reports based on the processed microfinance credit data. Payment status may be determined for each entry in a payment grid, which may correspond to a payment interval such as, for example, daily, weekly or monthly.
09/11/14
20140258076
Syndication loan administration and processing system
A loan syndication tracking and management system and method provides a user with access to specific details related to a syndicated loan. The system and method coordinates investor, borrower and resource information, in addition to features related to the overall structure of a syndicated loan.
09/11/14
20140258075
System and methods for monitoring credit of trading counterparties
Systems and methods are provided which monitor trades entered into and cleared by counterparties, track the net and gross positions of counterparties and the counterparties' parent entities, trigger warnings when counterparties or their parent entities exceed a warning limit, and shut-off counterparties' trading ability when counterparties exceed a credit limit. An operator of a credit system using these systems and methods is provided with a variety of interfaces through which the operator can set up new counterparties, search a list of counterparties, view and edit basic information for counterparties, view financial information for counterparties, view and edit notes regarding to counterparties, view and edit limits of counterparties, view position versus limit information for counterparties, view the current day's position information for counterparties, and view cumulative position information for counterparties..
09/11/14
20140258072
Methods, systems, and media for executing trades in financial instruments
A central counterparty receives a contract having transaction terms associated with an interest rate swap (irs) and a position of a security, the transaction terms including an expiration date. Upon the expiration date and in a case of a physical settlement of the contract the irs is generated based on the transaction terms.
09/11/14
20140258070
Method and system for administering the hedging of an employee deferred compensation plan using swaps
A method and system for administering the hedging of an employee deferred compensation plan, e.g., which employs hedging of nqdc plan liabilities using total return swaps and/or put and call options and/or forwards, for tax purposes. A plan coordinator coordinates a transfer of information between an employer/plan sponsor, a plan administrator that communicates with the employees/plan participants, and a balance sheet provider.
09/11/14
20140258068
System and method for sequential count visual indicator
A system and method provides for analysis and graphical display of a sequential counter for financial data. The system and method includes receiving a plurality of financial data relating to an equity, the financial data including value data of the equity over a plurality of time intervals and selecting a counting algorithm from a plurality of algorithms, for application to the financial data.
09/11/14
20140258067
System and method for financial data gap detection
A system and method provides for the detection of at least one gap in a value distribution for a security across a time period. The system and method receives value data for the security indicating high and low value data points.
09/11/14
20140258063
Automated financial data aggregation
Methods, systems, and apparatus, including computer programs encoded on computer storage media, for data aggregation. The methods, systems, and apparatus include determining whether a site-specific script for extracting financial data from a particular financial institution website is available; in response to determining that a site-specific script for extracting financial data from the particular financial institution website is not available, generating a site map of web pages and web page segments in the financial institution website, wherein the site map is generated based on at least in part on a statistical analysis of web pages and web page segments that are not in the financial institution website; generating, based on the site map of the financial institution website, a site-specific script for extracting financial data from the financial institution website; and extracting, for one or more users, financial data from the particular financial institution website using the generated site-specific script..
09/11/14
20140258062
Load balancing of financial institution channels
Embodiments of the invention are directed to systems, methods and computer program products for balancing a load of financial transaction channels. Embodiments determine that the customer is traveling to or is currently located in proximity to a financial institution physical location; determine load information for at least two interaction paths associated with the financial institution physical location; compare the load information for the interaction paths; determine, based on the comparison of the load information for the interaction paths, an interaction path to recommend to the customer; and provide, to the customer, information associated with the recommended interaction path.
09/11/14
20140258061
Determining efficient interaction path for a customer
Embodiments of the invention are directed to systems, methods and computer program products for providing an efficient interaction path for a customer. Embodiments determine that the customer is traveling to or is currently located in proximity to a financial institution physical location; determine interaction efficiency information for at least two interaction paths associated with the financial institution physical location; compare the interaction efficiency information for the interaction paths to determine a most efficient interaction path for the customer; and provide, to the customer, information associated with the determined most efficient interaction path for the customer.
09/11/14
20140258054
Systems and methods for financial accounting
An accounting system is configured to record single entry transactions (e.g., cash receipts, cash disbursements, accounts payable, payroll payable, legal commitments) and to generate, in response to a selection by a user made after the transactions have been recorded, a selected one of a cash basis report and a budgetary basis report. Other systems and methods are provided..
09/11/14
20140258053
System and method for accounting of financial instruments
Embodiments of the present disclosure provide systems and methods for accounting of financial instruments. The accounting method for financial instrument may include receiving financial instrument data and classifying the financial instrument data into position components.
09/11/14
20140258047
Method and process for providing relevant data, comparing proposal alternatives, and reconciling proposals; invoices, and purchase orders with actual costs in a workflow process
The present invention provides a process and system for matching buyers and sellers of either goods or services, or goods and services for a project. The invention enables a buyer to specify a project in terms of physical, functional, temporal, financial, and transactional parameters that can be automatically converted, by the present invention, into at least one request for either goods or services, or goods and services to perform work related to the project.
09/11/14
20140258046
Method for managing a transaction
A method of managing a transaction between a user intending to acquire a product and a merchant offering products. The user has a first terminal for communicating with said merchant and a second terminal for communicating with the financial institution.
09/11/14
20140258023
Intelligent personal finance tracking engine
A system may include a processor coupled to a memory. The processor is capable of determining a first goal adjustment based at least in part upon inflow information, outflow information, financial information, product information, and a customer goal.
09/11/14
20140258019
Method and system for creating and processing personalized gift cards
A method for processing a personalized gift card transaction includes: receiving a gift card request from a consumer associated with a payment account, the request including a usage amount, a plurality of merchant identifiers, an account identifier associated with the payment account, and a message; identifying a personalized gift card number; storing a gift card data entry including the personalized gift card number, usage amount, plurality of merchant identifiers, account identifier, and message; transmitting the personalized gift card number; receiving an authorization request for a financial transaction not involving the consumer, the request including the personalized gift card number, a transaction amount, and at least one merchant identifier of the plurality of merchant identifiers; processing the financial transaction including updating, in the database, the usage amount of the gift card data entry based on the transaction amount; and transmitting the message to a recipient of the personalized gift card.. .
09/11/14
20140258016
System and method for generating recommendations
Example methods and systems are directed to generating recommendations based on one or more user inventories, which may be stored in a database. The inventory may include items (e.g., physical goods, electronic goods, and financial assets) owned by a user.
09/11/14
20140258011
Apparatus, systems and methods for wirelessly transacting financial transfers, electronically recordable authorization transfers, and other information transfers
The present invention provides apparatus, systems and methods to wirelessly pay for purchases, electronically interface with financial accounting systems, and electronically record and wirelessly communicate authorization transactions using personal digital assistant (“pda”) (also referred to as personal intelligent communicators (pics), and personal communicators), palm computers, intelligent handheld cellular and other wireless telephones, and other personal handheld electronic devices configured with infrared or other short range data communications (for referential simplicity, such devices are referred to herein as “pda's”). The present invention further provides apparatus, firmware, software programs and computer-implemented methods for making service and/or sale service charge payments for credit card charges, debit card charges, electronic cash transfers, ticket and other like financial transactions and for other types of transactions, such as for electronic coupons, where the amount of the transaction is for a small amount of money, such as, for example, less than $5.00..


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