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Creating or redeeming shares of an exchange traded fund

Creating or redeeming shares of an exchange traded fund

Solid-state image sensing device

Renesas Electronics

Solid-state image sensing device

Solid-state image sensing device

Crowdpac

Interface and methods for tracking and analyzing political ideology and interests

Date/App# patent app List of recent Inanc-related patents
04/23/15
20150112879
 Systems and methods for evaluating pricing of real estate patent thumbnailnew patent Systems and methods for evaluating pricing of real estate
A computer-implemented method for evaluating pricing of real estate is implemented by a computing device coupled to a memory. The method includes storing within the memory a plurality of rental data sets wherein each rental data set is associated with a geographic region and wherein each rental data set includes actual rental payment amounts made by tenants using a payment card, receiving a rental data request associated with at least one real estate asset having a physical location, from a requestor, retrieving at least one of the rental data sets associated with a geographic region containing the physical location of the at least one real estate asset, processing the rental data set into a financial assessment associated with the at least one real estate asset, and transmitting the financial assessment to the requestor..
Mastercard International Incorporated
04/23/15
20150112868
 Dongle device with communication module for a secure electronic transaction patent thumbnailnew patent Dongle device with communication module for a secure electronic transaction
The various embodiments herein provide a dongle device with a communication module for a secure electronic transaction. The dongle device comprises housing provided with a slot for inserting a magnetic stripe card, a slot for inserting a contact type card, a communication module such as a wireless module or a bluetooth module or a mobile communication module or a zigbee module, a key pad, a connector, a cover for safeguarding the connector, a stylus, a universal serial bus (usb) port, a processor and a display.
Ezetap Mobile Solutions Private Limited
04/23/15
20150112866
 System and  transferring funds patent thumbnailnew patent System and transferring funds
A method for facilitating real time transfer of funds from a sender to a recipient includes receiving an expedited funds transfer request from the sender having a first account at a first financial institution, the recipient having a second account at a second financial institution, the first and second financial institutions being members of a computer-implemented payment network including a plurality of member financial institutions; and sending a message to the second financial institution to deposit funds into the second account, wherein the second financial institution deposits funds into the second account, and wherein the first financial institution settles with the second financial institution after the second financial institution deposits funds into the second account.. .
Clearxchange, Llc
04/23/15
20150112864
 Transaction completion using identity aggregator patent thumbnailnew patent Transaction completion using identity aggregator
A transaction processing server acts as an identity aggregator and enables transactions between a user computing device and plurality of merchant servers. The transaction processing server receives a request from the user computing device to conduct the financial transaction with a merchant server.
Kachyng, Inc.
04/23/15
20150112860
 Contactless payment method, device, and system patent thumbnailnew patent Contactless payment method, device, and system
The present invention provides a contactless payment method, device, and system. After a mobile terminal having an nfc function receives, from a reading terminal, a selection command including a financial document application identifier, the mobile terminal returns, if it is determined that a supplementary payment application needs to be executed, a ppse corresponding to the financial document application identifier to the reading terminal, where the ppse includes a first application identifier that indicates a bank payment application and a second application identifier that indicates a supplementary payment application, and a priority of the second application identifier is higher than a priority of the first application identifier, so that the reading terminal acquires, according to priorities of payment applications in the ppse, payment information corresponding to the payment applications from the mobile terminal in sequence to complete payment, thereby improving efficiency of contactless payment..
Huawei Device Co., Ltd.
04/23/15
20150112854
 Method of automating a business loan life cycle patent thumbnailnew patent Method of automating a business loan life cycle
A method and computer-implemented method for loan consideration including the steps of: (a) obtaining financial data regarding a loan requester from a plurality of digital media sources, the financial data including tax data; (b) analyzing the financial data to make an affordability and risk assessment (aara) for granting a loan to the loan requester, the aara including calculating, at least from the tax data, a forecasted amount of unencumbered capital to be available over at least a portion of a term of said loan (i.e. By calculating an amount of historical unencumbered cash flow, which is then forecasted by the system into the future) after capital expenditure is estimated and current outstanding loan/debt repayments are deducted from the estimate; and (c) deciding whether to grant the loan based on the aara..
Orange Money Ezbob Ltd.
04/23/15
20150112852
 Monetizing financial brokerage data patent thumbnailnew patent Monetizing financial brokerage data
Method and systems for monetizing financial brokerage accounts are disclosed. One aspect for certain embodiments includes mining data from financial brokerage accounts and monetizing the mined data and providing to the customer an unlimited number of free trades for an unlimited period of time..
04/23/15
20150112850
 Automatic financial product trading system and method patent thumbnailnew patent Automatic financial product trading system and method
Provided are an automatic financial product trading system and method for automatically trading a financial product when the financial product satisfies a preset trading condition. Through an automatic ordering accelerator using separate hardware or an automatic ordering accelerator installed in a network card, rather than a main processor of a computer system, information input and output through a network card is collected and a financial product is quickly automatically traded..
Seoul National University Of Technology Center For Industry Collaboration
04/23/15
20150112849
 Creating or redeeming shares of an exchange traded fund patent thumbnailnew patent Creating or redeeming shares of an exchange traded fund
Redeeming etf shares with an investment company holding a number of shares of an underlying fund by receiving etf shares from an authorized participant, and redeeming the number of shares of the underlying fund for a first group of financial assets; obtaining a second group of financial assets; and transferring the second group of financial assets to the authorized participant.. .
04/23/15
20150112848
 Disseminating floor quotes from open outcry markets patent thumbnailnew patent Disseminating floor quotes from open outcry markets
One or more methods may be used to disseminate floor quotes from an open outcry financial market, such as via messages posted on a social network. These messages may include additional information for providing “color” to the price quotation.
Chicago Mercantile Exchange, Inc.
04/23/15
20150112846
new patent

Futures contracts settlement method with option to roll forward


Systems and methods are provided for processing derivative financial instrument positions. Contracts are structured to include minimum position limits or thresholds as final settlement dates approach.
Chicago Mercantile Exchange, Inc.
04/23/15
20150112845
new patent

Futures contracts with minimum position limit approaching delivery period


Systems and methods are provided for processing derivative financial instrument positions. Contracts are structured to include minimum position limits or thresholds as final settlement dates approach.
Chicago Mercantile Exchange, Inc.
04/23/15
20150112844
new patent

Futures contracts with divergent trading and delivery units


Systems and methods are provided for processing derivative financial instrument positions. Contracts are structured to include minimum position limits or thresholds as final settlement dates approach.
Chicago Mercantile Exchange, Inc.
04/23/15
20150112828
new patent

System and facilitating service transactions online


Systems and methods for facilitating a service transaction bidding process online which involves filtering all quotes received and displaying only a dynamic subset of all quotes received for a requested service, wherein inclusion in the subset is based on the financial appeal of at least one common feature of the quotes received and providers submitting quotes that are filtered out and not included in the dynamic subset are notified and queried to submit more competitive quotes.. .
04/23/15
20150112822
new patent

Proxy for multiple payment mechanisms


Various embodiments are related to apparatuses and methods for paying for a financial transaction using a proxy object. The proxy object can be associated with multiple payment accounts, for example accounts associated with credit cards and debit cards.
Square, Inc.
04/23/15
20150112779
new patent

Application of benefits to existing cards based on classification in preferred rewards program


Embodiments of the invention are directed to apparatus, methods, and computer program products for using a preferred rewards program. In some embodiments, the apparatus is configured to receive information associated with a user's financial institution account on the last day of a current month, wherein the information comprises a monthly asset balance; determine an average asset balance based on generating an average monthly asset balance for at least two months prior to the current month; categorize the user, based on the average asset balance, to determine which of a plurality of status levels is applicable to the user, wherein the plurality of status levels is based on an asset balance range; identify an existing payment card associated with the user; and apply a benefit associated with the categorized status level to the user's existing payment card..
Bank Of America Corporation
04/23/15
20150112772
new patent

Interface and methods for tracking and analyzing political ideology and interests


Systems, processes, user interfaces, and computer readable media are described for scoring political entities on one or more political issues. In one example, the scoring is based on text data and political contribution data associated with the political entity.
Crowdpac, Inc.
04/23/15
20150112727
new patent

Managing a risk of a liability that is incurred if an insurer denies coverage for treating an insured for a condition


An embodiment of a risk-management method includes determining a risk that an insurer will deny coverage for treating an insured for a condition, and calculating, in response to a determined risk, a fee for taking an action if the insurer denies coverage for treating the insured. Such an embodiment may aid in managing a risk of a liability that may be incurred if an insurer under a medical insurance policy denies coverage for treating an insured under the policy.
Elwha Llc
04/23/15
20150112723
new patent

Specialty medication management and referral tracking system


Disclosed herein is a prescription referral management and tracking system and methods. The system combines the creation of the prior authorization, creation of the specialty medication referral, transmission of an e-prescription to a pharmacy, and creation of patient financial assistance forms into a single data entry session.
Therigy, Llc
04/23/15
20150112712
new patent

Healthcare support apparatus and method


In general, according to an embodiment, a healthcare support apparatus includes the following units. The calculation unit obtains a luminance value of a first color and a luminance value of a second color from a skin image of a subject, converts the luminance values into absorbances, and calculates a hemoglobin content from the absorbances.
Kabushiki Kaisha Toshiba
04/23/15
20150112698
new patent

Point of service third party financial management vehicle for the healthcare industry


A point of service third party adjudicated payment system is provided that includes a point of service terminal which accepts payment system access information for payment for a purchase of at least one of a service and product by a customer. A settlement engine processes said purchase transaction so as to determine a portion of said purchase which is to be paid by the customer and returns a settlement transaction to said point of service terminal designating obligations for payment by the customer.
Realmed Corporation
04/23/15
20150112663
new patent

Methods and simulating a distributed business process


Methods and apparatus for simulating a distributed business process are disclosed. The methods and apparatus simulate an interdependent business process, such as a financial transaction system, in a secure distributed manner.
Norwich University Applied Research Institutes
04/23/15
20150110399
new patent

Correcting chrominance values based ontone-mapped luminance values


A tone mapping unit applies tone mapping to a block of pixel values. In each of a plurality of iterations, one or more lines of pixel values are processed based on information relating to pixel values of at least one previous line of the block which have been processed in at least one previous iteration.
Imagination Technologies Limited
04/23/15
20150110397
new patent

Image processing device and method


In image data having a first number of gradations, an image processing device calculates the number of pixels having luminance within a region, for each region obtained by dividing the range of luminance in the image data into a plurality of regions. The image processing device selects a region from the plurality of regions based on the number of pixels having luminance within the region.
Denso Corporation
04/23/15
20150110362
new patent

Systems, methods and computer program products for determining document validity


According to one embodiment, a method includes: capturing an image of a financial document using a camera of a mobile device; performing optical character recognition (ocr) on the image of the financial document; extracting an identifier of the financial document from the image based at least in part on the ocr; associating the image of the financial document with metadata descriptive of one or more of the financial document and financial information relating to the financial document; and storing the image of the financial document and the associated metadata to a memory of the mobile device. Exemplary systems and computer program products are also disclosed..
Kofax, Inc.
04/23/15
20150110340
new patent

Identifying video content via color-based fingerprint matching


Systems and methods of identifying unknown video content are described. An example method may include receiving a first fingerprint and a second fingerprint.
Gracenote, Inc.
04/23/15
20150109773
new patent

Light source and illuminating device


Light source comprises a light emitting diode array (101) and a collimator array (102). The light emitting diode array (101) comprises at least two light emitting diode units (101a, 101b) that emit light of different colors; the collimator array (102) is used for collimating light emitted by the light emitting diode units (101a, 101b) and keep the optical extension of the light emitted by the light emitting diode units (101a, 101b) substantially unchanged.
Appotronics Corporation Limited
04/23/15
20150109688
new patent

Magnifying card


A card has a planar first portion that includes readable data and a second portion that includes a lens. The card can be a credit card and the data can be financial data.
04/23/15
20150109587
new patent

Optical element, lighting device, and image display device


Provided are an optical element, a lighting device, and an image display device, with which the absorption efficiency and the luminance of the excitation light can be improved. This optical element (40) is equipped with: a light-emitting layer (103) that generates excitation light; a plasmon excitation layer (105) stacked on the light-emitting layer (103) and having a higher plasma frequency than the light-emitting frequency of the light-emitting layer (103); an emission layer (207) that emits light by converting the surface plasmons or the light generated at the upper surface of the plasmon excitation layer (105) to light having a predetermined emission angle; and a metal layer (102) stacked on the underside of the light-emitting layer (103)..
Nec Corporation
04/23/15
20150109525
new patent

Image processing apparatus, image processing method, and storage medium


An image processing apparatus comprising an acquisition unit configured to acquire an image, a detection unit configured to detect each object region from the image acquired by the acquisition unit a luminance distribution calculation unit configured to calculate a luminance distribution for each object region detected by the detection unit, a representative luminance value calculation unit configured to calculate a representative luminance value for each object region detected by the detection unit; and a determination unit configured to determine tone characteristics for each object region based on the luminance distribution for each object region calculated by the luminance distribution calculation unit and a relationship between the representative luminance values for the respective object regions calculated by the representative luminance value calculation unit.. .
Canon Kabushiki Kaisha
04/23/15
20150109506
new patent

Solid-state image sensing device


A cmos image sensor used as a solid-state image sensing device includes a pixel circuit for outputting a voltage of a level corresponding to the illuminance, and an a/d converter for converting an output voltage of the pixel circuit into a digital signal. The resolution on the low illuminance side is higher than the resolution on the high illuminance side in the a/d converter.
Renesas Electronics Corporation
04/23/15
20150109496
new patent

Solid-state imaging device, processing signal of solid-state imaging device, and imaging apparatus


A solid-state imaging device includes a color filter unit disposed on a pixel array unit including pixels two-dimensionally arranged in a matrix and a conversion processing unit disposed on a substrate having the pixel array unit thereon. The color filter unit has a color arrangement in which a color serving as a primary component of a luminance signal is arranged in a checkerboard pattern and a plurality of colors serving as color information components are arranged in the other area of the checkerboard pattern.
Sony Corporation
04/23/15
20150109359
new patent

Display device, driving display device, and electronic apparatus


A display device includes: an image display unit in an image display region, the image display unit including a plurality of main pixels each including sub-pixels; a light source portion that irradiates the image display region; a signal correction unit that calculates saturation and value of the main pixels based on first color information to be displayed on a predetermined pixel, the first color information being obtained based on an input video signal, and generates second color information by correcting the first color information based on the calculated saturation and value; a signal generation unit that calculates the saturation and the value of the main pixels based on the second color information, and generates a signal for determining light source luminance of the light source based on the calculated saturation and value; and a light source control unit that controls luminance of the light source based on the signal.. .
Japan Display Inc.
04/23/15
20150109356
new patent

Image processing device, display device, electronic device and processing an image


An image processing device comprising: a conversion unit to receive a first input signal including first color information, a first color being reproduced at pixels on the basis of the first color information, the first input signal including first color information obtained from an input image signal corresponding to a red component, a green component and a blue component, to specify saturation of the first color, and configured to obtain luminance attenuation ratio on the basis of a relationship previously stored between saturation and luminance attenuation ratio, and the saturation of the first color, and to output a second input signal including second color information whose luminance is decreased from the first color information on the basis of the luminance attenuation ratio corresponding to the first color information; and a signal processing unit configured to output an output signal for driving the pixels on the basis of the second input signal.. .
Japan Display Inc.
04/23/15
20150109352
new patent

Display device, electronic apparatus, and driving display device


According to an aspect, a display device includes an image display panel; a planar light source including a light guide plate and an edge-lit light source that has light sources; and a controller. The controller sets luminance determination blocks by virtually dividing the image display panel in a light-source-arrangement-direction, identifies a luminance determination block with a highest luminance in the incidence direction, among luminance determination blocks at a same position in the light-source-arrangement-direction, identifies a luminance determination block the luminance of which is to be corrected by referring to luminance information of the light sources, and controls a light quantity of each of the light sources in such a manner that luminance of the identified luminance determination block is achieved..
Japan Display .inc.
04/23/15
20150109351
new patent

Display device, electronic apparatus, and driving display device


According to an aspect, a display device includes: an image display panel; and a planar light source including a light guide plate and an edge-lit light source, the light guide plate illuminating the image display panel from a back side, the edge-lit light source including a plurality of light sources arranged facing a plane of incidence; and a controller that controls luminance of each of the light sources independently. The controller stores therein, as lookup tables for the respective light sources, information on light intensity distributions of light that is incident on the light guide plate from the respective light sources and is emitted to a plane of the image display panel from the light guide plate, and controls a light quantity of each of the light sources based on information on an input signal of an image, and on the lookup tables..
Japan Display Inc.
04/23/15
20150109350
new patent

Display device and driving display device


A display device includes: an image display unit that includes a plurality of main pixels in an image display region, the image display unit including sub-pixels; a light source that irradiates the image display region; a light source control unit that controls luminance of the light source; and a color information correction processing unit that corrects first color information that is obtained based on the luminance of the light source and an input video signal to second color information, when color information of at least one of a red pixel, a green pixel, and a blue pixel included in the first color information exceeds a predetermined threshold, the second information is corrected by degenerating color information of the red pixel, the green pixel, and the blue pixel, and by adding color information of the white pixel included in the first color information based on the degenerated color information.. .
Japan Display Inc.
04/23/15
20150108485
new patent

Light-emitting device and driving method thereof


In a light emitting device, luminance irregularities caused by fluctuation in threshold of tfts for supplying a current to el elements among pixels hinder the light emitting device from improving the image quality. A voltage equal to the threshold of a tft 110 is held in capacitor means 111 in advance.
Semiconductor Energy Laboratory Co., Ltd.
04/16/15
20150106925

Security system and method


A security system and method for the application at a self-service or financial terminal is disclosed. This system comprises at least: a peripheral device (2); a storage unit (3) capable of storing a firmware for upgrade in the peripheral device (2); and a processing unit (4) operatively associated with the storage unit (3), wherein the processing unit (4) is configured to block firmware upgrade saving in the peripheral device (2) when the firmware is not authentic..
Oki Brasil IndÚstria E ComÉrcio De Produtos E Tecnologia Em AutomaÇÃo S.a.
04/16/15
20150106275

Systems and methods for performing atm fund transfer using active authentication


A method of performing a fund transfer at an atm includes receiving an active authentication transaction key at an atm from a mobile financial transaction instrument via a wireless communication protocol, generating a pin at the atm, and storing the pin in a machine readable storage medium. An authorization request message is transmitted to a financial institution identified by the active authentication transaction key.
Capital One Financial Corporation
04/16/15
20150106267

Account notifications for required information to complete a financial transaction


There is provided systems and method for account notifications for required information to complete a financial transaction. A user may establish a user account with a payment provider, where the user account allows the user to receive and transfer funds with other users.
04/16/15
20150106264

Controlling debit card transactions


Methods and systems for controlling debit card transactions are presented. In some embodiments, a computer system may receive authentication information associated with a debit card.
Bank Of America Corporation
04/16/15
20150106262

Inter-network financial service


Systems and methods for making a payment on behalf of a payer to a payee are provided. A request to make a payment on behalf of a payer to a payee is received at a first payment service provider.
Checkfree Services Corporation
04/16/15
20150106246

Systems and methods for secure financial transactions


According to another example, a payment directory system is provided. The payment directory system includes a payment directory executed by at least one computer system.
Mineraltree, Inc.
04/16/15
20150106243

Aggregation of item-level transaction data for a group of individuals


Apparatus, methods, and computer program products are provided for that automatically identify transactions and/or items in a transaction that are associated with a group of individuals, such as a family, co-workers, a special interest group, a demographic group a social network group or the like. Once transactions and/or items in the transaction have been identified as being associated with the group, the transaction data associated with the transactions and/or the items in the transactions is aggregated and aggregated views of the data are made accessible to individuals in the group, such as through a financial institution financial management application, e.g., online or mobile banking application..
Bank Of America Corporation
04/16/15
20150106170

Interface and methods for tracking and analyzing political ideology and interests


Systems, processes, user interfaces, and computer readable media are described for scoring political entities on one or more political issues. In one example, the scoring is based on text data and political contribution data associated with the political entity.
04/16/15
20150106154

System and financial risk assessment


A computer-implemented method and system for financial risk assessment are provided. The method includes receiving financial data related to an international monetary transaction from a transferring country to a receiving country; determining a universal currency for the receiving country based on at least one purchasing power parity (ppp) value related to the receiving country; and assessing the financial risk of the international monetary transaction based on the universal currency and the financial data..
Actimize Ltd.
04/16/15
20150104109

Device and processing image


An image processing device includes a decompression unit configured to decompress a compressed image signal, a gradation-dependent correction unit configured to perform gradation-dependent correction on the decompressed image signal, the gradation-dependent correction being a correction process in which the amount of correction varies among luminance gradations, and a compression error correction unit configured to perform compression error correction in which input luminance values are selectively offset, on the decompressed image signal which has yet to be subjected to the gradation-dependent correction.. .
Sony Corporation
04/16/15
20150103919

Decoding device and decoding method, and coding device and coding method


There is provided a decoding device including circuitry configured to receive coded data and conversion information, the coded data pertaining to an image having luminance in a first dynamic range and the conversion information pertaining to a conversion of dynamic range of the luminance of the image from the first dynamic range into a second dynamic range; and decode the received coded data so as to generate the image, wherein the conversion uses a knee function.. .
Sony Corporation
04/16/15
20150103338

Method of evaluating image blur of optical film and optical film with reduced image blur


A method of evaluating an image blur of an optical film includes displaying a test pattern by driving an organic light-emitting display apparatus including the optical film, obtaining an image by capturing the test pattern using a digital camera, obtaining a spatial luminance distribution from the image, transforming the spatial luminance distribution into a sensation curve, and estimating a blur width from the sensation curve, where the blur width is a distance between peaks having negative minimum values, from among a plurality of peaks of the sensation curve.. .
Cheil Industries Inc.
04/16/15
20150103257

Image processing device, projector, and controlling projector


An image processing device used for a projector displays an image by projecting the image on a projection surface. A detection image generation section adapted to generate a detection image, which is an image adapted to detect a state of a projection image displayed on the projection surface, and includes a plurality of detection image parts is provided.
Seiko Epson Corporation
04/16/15
20150103144

Image processing device, imaging device, and image processing program


An image processing apparatus is provided, that is configured to: extract a first pixel value corresponding to a first viewpoint that is one of a plurality of viewpoints to capture a subject image, at a target pixel position from image data having the first pixel value; extract second and third luminance values corresponding to second and third viewpoints that are different from the first viewpoint, at the target pixel position from luminance image data having the second and third luminance values; and calculate at least any of second and third pixel values of the second and third viewpoints such that a relational expression between the second or third pixel value and the first pixel value extracted by the pixel value extracting unit remains correlated with a relational expression defined by the second and third luminance values.. .
Nikon Corporation
04/16/15
20150103108

Display device and method thereof


A display apparatus includes: a display panel configured to display an image frame; an arithmetic operator configured to divide the image frame into blocks, calculate a pixel gradation value of the pixel blocks, and accumulate the calculated pixel gradation values; and a compensator configured to locally reduce a luminance of a corresponding pixel block, of which a respective accumulated pixel gradation value exceeds a threshold value of among the plurality of pixel blocks, and to compensate for a luminance difference between the corresponding pixel block, for which the luminance has been reduced, and surrounding pixel blocks. Accordingly, it is possible to effectively remove an afterimage..
Samsung Electronics Co., Ltd.
04/16/15
20150102728

Light emitting module testing apparatus


A light emitting module testing apparatus includes a sensing unit and a controller. The sensing unit includes a photodiode array sensing light emitted from a light emitting module serving as a test object.
Samsung Electronics Co., Ltd.
04/09/15
20150100594

System and financial research management


Systems and methods are provided to enable robust content-based database storage, searching, retrieval, analysis, processing, and collaboration. According to one embodiment of the invention, a system and method are provided for facilitating data management and analysis in connection with financial data..
04/09/15
20150100496

Switching system able to prevent fraud from falsified digital information


The present invention is a switching system able to prevent fraud from falsified digital information, generally installed into card reader device, wherein the card reader device can read integrated circuit card. The switch system can provide safe financial transaction during advertisement broadcasting, and resume advertisement broadcasting after transaction.
Castles Technology Co., Ltd
04/09/15
20150100488

System, devices, and method to automatically launch an application on a mobile computing device based on a near-field communication data exchange


A novel system, methodology and devices to conduct financial and other transactions using a wireless device with a near-field communication (nfc) module. Credentials may be selectively issued by issuers such as credit card companies, banks, and merchants to a mobile device permitting the consumer to conduct a transaction according to the authorization given as reflected by the credential or set of credentials.
04/09/15
20150100484

Safety cover design for financial transaction device


The present invention is a safety covering design for financial transaction device, simply constructing specific solid connection between boards by the pressure formed after assembly. The pressure is formed with assembly and constructing connection of units, so illegally penetration can be easily detected, because the pressure is released by disassembly as well as the connection between boards is removed.
Castles Technology Co., Ltd.
04/09/15
20150100480

Currency recycler


A non-transitory, computer readable storage medium storing a program for processing financial transactions of a retailer at a currency recycler having a housing, a processor located within the housing, and a currency routing assembly disposed within the housing to move currency to at least one stacker, includes the step of processing deposits at the at the currency recycler. The processor further performs the steps of crediting an account of a user for each deposit, processing withdrawals at the currency recycler, and debiting the account of the user for each withdrawal.
Fifth Third Bank
04/09/15
20150100479

System for monitoring the compliance relationships of banking entities with validation, rerouting, and fee determination of financial transactions


A system and method for validating a given wire or financial transaction to determine if the destination bank or any connecting or correspondent banks have a direct or indirect relationship with an illicit entity and, if an illicit relationship is identified, the system attempts to reroute the transaction along a compliant path. Such indirect illicit relationship may be set to require at least two degrees of separation and may be user or bank defined depending on their risk tolerance.
04/09/15
20150100470

Systems and methods for parsing unknown codes obtained from a customizable spreadsheet application interface


An improvement in a customizable spreadsheet application is provided. The improvement preferably provides an interface between the customizable spreadsheet application and a third party financial institution application.
04/09/15
20150100468

E-receipt generation for online banking transactions


Embodiments of the invention relate to systems, methods, and computer program products for generating an e-receipt for an online banking transaction. The system, method, and computer program product are configured to receive an unstructured e-receipt from a financial institution, the unstructured e-receipt including parameters of an online banking transaction; identify unstructured data associated with the parameters; convert the unstructured data into structured data; and generate a structured e-receipt for the online banking transaction using at least the structured data.
04/09/15
20150100444

Portable device for financial transactions


The invention relates to a portable device for financial transactions which can be used for safe payments and/or withdrawals of cash in real time and for other forms of credit and/or banking operations in general.. .
Fg S.r.l. Agenzia Finanziaria
04/09/15
20150100443

Systems and methods for providing enhanced point-of-sale services involving multiple financial entities


Systems and methods are provided for identifying enhanced services for presentation to a user at a point-of-sale terminal. The disclosed embodiments include, for example, a system that may be configured to receive a request to authenticate a purchase transaction that identifies a financial service account and a point-of-sale terminal.
The Toronto-dominion Bank
04/09/15
20150100442

Systems and methods for providing enhanced point-of-sale services


Systems and methods are provided for identifying enhanced services for presentation to a user at a point-of-sale terminal. The disclosed embodiments include, for example, a system that may be configured to receive a request to authenticate a purchase transaction that identifies a financial service account and a point-of-sale terminal.
The Toronto-dominion Bank
04/09/15
20150100400

Preferred rewards program for classification of customers with jointly owned financial institution accounts


Embodiments of the invention are directed to apparatus, methods, and computer program products for using a preferred rewards program for classification of customers with jointly owned financial institution account. In some embodiments, an apparatus is configured to receive a monthly asset balance associated with a first and second user's individually owned financial institution account; receive a monthly asset balance associated with a first and second user's jointly owned financial institution account; determine a first average asset balance associated with the first user; determine a second average asset balance associated with the second user; categorize the first and second user based on their respective average asset balances, to determine a status level; and apply one or more benefits associated with the categorized status levels to the first and second user's individually owned financial institution accounts..
Bank Of America Corporation
04/09/15
20150100399


Embodiments of the invention are directed to apparatus, methods, and computer program products for using preferred rewards program for classification of customers with individually owned financial institution accounts. In some embodiments, the apparatus is configured to receive information associated with a user's financial institution account on the last day of a current month, wherein the information comprises a monthly asset balance; determine an average asset balance based on generating an average monthly asset balance for at least two months prior to the current month; categorize the user, based on the average asset balance, to determine which of a plurality of status levels is applicable to the user, wherein the plurality of status levels is based on an asset balance range; and apply a benefit associated with the categorized status level to the user's financial institution account..
Bank Of America Corporation
04/09/15
20150100380

Systems and methods for providing financial controls for aggregated weather-based work


Systems, methods, non-transitory computer-readable media storing computer program instructions for causing a computer device to implement methods, and the like utilize weather information from one or a variety of locations to estimate costs for providing weather-dependent work, and to provide financial controls for weather-dependent work allegedly performed. One method includes utilizing historical weather information relating to performance of weather-dependent work at a work location to generate an estimate of an anticipated frequency with which weather-dependent work will be necessary, utilizing information to estimate an anticipated cost per incident for performing weather-dependent work at the selected work location, and using such information at a plurality of locations to generate an aggregate bid for performing weather-dependent work at the locations.
04/09/15
20150100349

Untethered community-centric patient health portal


A method is disclosed for providing online access to patient healthcare information. The method includes receiving patient healthcare information electronically for each of a plurality of patients from a plurality of healthcare providers and from a plurality of healthcare payers, wherein said healthcare information includes clinical data and financial information relating to a healthcare event in which a patient received healthcare treatment for a condition; providing a platform which is accessible online and which is equipped with a graphical user interface (gui) in which (a) the healthcare events associated with each of the plurality of patients are arranged along a timeline, and (b) the healthcare information received for that patient is linked to the healthcare event to which it corresponds; and providing online access to the platform to each of the plurality of patients..
Zirmed, Inc.
04/09/15
20150100331

Business intelligence system and services for payor in healthcare industry


A business intelligence solution tailored to health care services. Specifically, the present invention consists at least one payor source as enterprise resource planning (erp)/legacy engine integrated with plurality of data; a extract transform and load (etl) engine designed for extracting data from said enterprise resource planning (erp)/legacy engine consisting of business metrics relating to performance of the business with its organized data in hierarchy; at least one landing pad/staging layer having at least one staging data table; at least one analytic engine called star schema designed for reporting, analysis and planning of information based on business metric implemented; at least one transactiona data model for transforming data from said payor source into web interface; designed to support business analytic activities such as healthcare data, financial data and business administration..
04/09/15
20150100146

Methodology for design of a manufacturing facility for fabrication of solid state hybrid thin film energy storage and conversion devices


A method and system for designing a manufacturing facility for solid state thin film battery devices. The method can include providing a plurality of processing tools for arrangement within a predetermined spatial region of one or more manufacturing facilities.
Sakti3, Inc.


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Inanc topics: Transactions, Liquid Crystal Display, Liquid Crystal, Graphical User Interface, User Interface, Credentials, Ultraviolet, Gray Scale, Arithmetic, Coordinates, Image Processing, Electro Luminescence, Ion Source, Image Capture, Subscriber Identity Module

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