Inanc patents

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Date/App#	List of recent Inanc-related patents
03/06/14 20140067722	Optimal portfolio withdrawal during retirement in the presence of longevity risk A method, system, and medium for recommending an optimal withdrawal amount, for a given period, from a retiree's portfolio accounts comprised of relatively risky and relatively safe financial assets used to finance retirement. The user supplies information about the retiree's personal characteristics, including age, gender, and health status.
03/06/14 20140067719	Lifetime financial product A system and method that offers a simple product solution for managing financial risks in retirement is provided. The product solution combines a uniquely structured deposit product (e.g., certificate of deposit (cd)) together with an insurance policy (e.g., group longevity insurance policy) to guarantee a lifetime stream of income to a customer..
03/06/14 20140067717	Methods and systems for identifying overvalued, undervalued, and correctly valued financial returns Methods and systems for identifying and reporting an index of overvaluation and undervaluation of a financial instrument due to behavioral bias of traders, including but not limited to stocks, bonds, mutual funds, and options by producing a fundamental valuation index that equals zero when the actual returns equal the fundamental economic returns of the instrument as predicted by the model, and that does not equal zero when the returns are overvalued or undervalued, to enable an investor to formulate optimal investment strategies.. .
03/06/14 20140067714	Methods and apparatus for performing an analysis of sustainability of a retirement investment portfolio Described herein are methods and apparatus for performing an interactive, computer-implemented analysis of the sustainability of an investment portfolio to support a retirement income need for a client. In certain embodiments, the technology determines an optimum allocation of an investment portfolio in accordance with client goals, conveys a measure of the sustainability of the investment portfolio to provide sufficient income over the length of the client's retirement, allows adjustment of the portfolio by the client, determines a revised measure of sustainability, and provides information about the potential financial legacy that will be left to the client's heirs..
03/06/14 20140067712	Financial goal management A financial goal management system for managing client financial goals is provided. The financial goal management system receives financial goal information indicative of a financial goal and account information indicative of an account associated with the financial goal.
03/06/14 20140067706	System and method for analyzing and reporting heatlh plan management performance The present invention provides analytic utilities to an employer or health plan administrator as the financial underwriter of medical, prescription drug, and disability income protection for employees. It is specifically designed to integrate the use of evidence based clinical performance data and prescription drug possession ratios as part of a network optimization application; provide insights into disease progression and population migration over multiple time periods; calculate the impact on productivity as result of risk levels and health conditions; and make available advanced financial modeling capabilities utilizing econometric models and simulation..
03/06/14 20140067681	Machine, methods, and program product for electronic inventory tracking Machine, methods, and program product for facilitating electronic inventory tracking and management of products through messaging over a payment network, are provided. An example includes an inventory management computer in communication with a merchant pos apparatus or terminal over an existing financial services payment network and configured to receive and process purchase transaction data associated with a product being purchased, for use by a product provider.
03/06/14 20140067672	Systems and methods for performing financial transactions Systems, methods and computer-readable media for initiating, facilitating and/or performing financial transactions are disclosed. A request associated with a financial transaction may be received on behalf of a requestor.
03/06/14 20140067670	Systems and methods for performing financial transactions A request associated with a financial transaction may be received on behalf of a requestor. At least one financial account to be debited and at least one financial account to be credited in connection with the financial transaction may be identified based on information included or provided in association with the request.
03/06/14 20140067651	Hybrid account A system, according to one embodiment, includes a hybrid account provided by an issuer to a user, the hybrid account having a balance, the balance being either positive, zero, or negative; and a financial instrument including a hybrid card, the hybrid card providing access to the hybrid account, in which transactions using the hybrid card provide interchange income to the issuer, the issuer charges interest to the hybrid account when the balance is negative, and the issuer pays interest to the hybrid account when the balance is positive.. .
03/06/14 20140067650	Methods and systems for consumer lending Systems and methods for lending based on automatic retrieval from third-party databases of data for loan qualification scoring factors in the nature of: financial management, leadership, social networking, advocacy, and accountability, and providing investors a borrower credit profile and/or loan qualification score derived at least in part from the scoring factors. A method of dynamic loan pricing, including the steps of: periodically updating an existing borrower's credit profile, and changing the terms of an existing borrower's loan, or making a new loan offering, based on an updating.
03/06/14 20140067643	System and method for purchasing a financial instrument indexed to entertainment revenue A method for purchasing a securities bundle indexed to entertainment revenue comprises selecting a securities bundle offered by a special-purpose entity. The securities bundle comprises a first security and a second security and the securities bundle is associated with a closing date.
03/06/14 20140067640	Systems and method for bin-based risk managed trading Predefined exposure limits including an actual and a permitted maximum number of owned instrument units or that an entity is exposed are used to determine trade executability. A request for strips of financial instruments is received.
03/06/14 20140067638	Order allocation In an automated exchange, an incoming sell order is allocated to standing buy orders based on the aggregated time the trading participant having standing buy orders have spent on a best-bid-offer (bbo) value. Hereby, it is made possible to improve trading of some financial instruments when it is desired to favor, or reward, order allocation to trading participants that bring liquidity to the market of the financial instrument in question..
03/06/14 20140067636	Automated account risk management A computerized system and method for structuring risk management and assist a financial institution quantify financial, legal, regulatory and reputational risk associated with opening accounts related to management of financial assets and investments and facilitate analysis and quantification of risk. An automated account opening risk management system receives information quantifying factors relating to financial, legal, regulatory and/or reputational risk.
03/06/14 20140067634	Financial goal visualization system A method for visualizing a financial goal includes receiving a selection of a financial goal from a user device of a user over a network. The financial goal includes a plurality of financial sub-goals, each of which is associated with a different image in a database.
03/06/14 20140067627	Machine, methods, and program product for electronic inventory tracking Machine, methods, and program product for facilitating electronic inventory tracking and management of products through messaging over a payment network, are provided. An example includes an inventory management computer in communication with a merchant pos apparatus or terminal over an existing financial services payment network and configured to receive and process purchase transaction data associated with a product being purchased, for use by a product provider.
03/06/14 20140067601	Supply chain finance planning In accordance with aspects of the disclosure, a system and methods are provided for supply chain finance planning by generating a loan plan with a relatively low interest payment for an orders set having collateral related assets while maintaining a working capital reserve at a predetermined threshold. The systems and methods may include retrieving account information for buyers related to the collateral related assets, retrieving lending information for lenders and evaluating interest payment patterns for each lender based on the collateral related assets, generating one or more potential loan schemes for each lender based on accounts receivable patterns for each buyer and the interest payment patterns for each lender, and generating the loan plan with the relatively low interest payment for the orders set having the collateral related assets while maintaining the working capital reserve at the predetermined threshold based on the potential loan schemes for each lender..
03/06/14 20140067479	Automated feature-based analysis for cost management of direct materials A computerized method, system, and computer-readable medium of automated feature-based analysis for cost management of direct materials is disclosed. The method includes receiving a plurality of suppliers and at least one part offered by each of the plurality of suppliers, determining, with a processor, a should cost for each of the at least one parts based at least in part on features characteristics information, financial information, and purchasing demand information, receiving a request to compare the should cost for each of the at least one parts with a vendor price provided by a first supplier, wherein the first supplier is one of the plurality of suppliers, determining, with a processor, a spend index and fit score for each of the at least one parts offered by the first supplier, and automatically displaying a comparison of the spend index and fit score for each of the at least one parts offered by the first supplier through a graphical user interface..
03/06/14 20140067467	Adjacency optimization system for product category merchandising space allocation A system is disclosed for optimizing product merchandising area allocation. One example includes receiving inputs defining financial metrics for product categories.
03/06/14 20140067140	Energy management methods and systems based on financial impact Energy management methods and systems based on financial impact are disclosed herein, wherein an energy management system at a site monitors metered energy consumption, establishes a peak consumption level, determines whether energy consumption will result in an increased peak consumption level, and if it will, calculates the financial value and costs of mitigating an increase in the peak consumption level, including an increase in demand charge prospectively avoided, and mitigates the peak in consumption to the peak consumption level using an energy storage system or other energy providing device if the value of mitigating the peak offsets the inherent costs. Embodiments may further use confidence factors or incremental changes to a peak consumption level to optimize the process and utilize energy devices to their greatest effectiveness..
03/06/14 20140066722	Surgical lamps and methods for illuminating operating sites A surgical lamp for illuminating an operating site includes a lamp body that includes first and second light sources that respectively generate first and second light fields of different diameter on the operating site. When a change in a distance between the lamp body and the operating site is detected, the first and second light intensities of the first and second light sources, respectively, can be controlled such that the predetermined diameter (dx) at which the preset relative central illuminance (ecx) of the resultant light field is generated is maintained at a substantially constant value as the distance changes..
03/06/14 20140064660	Lightguide design techniques Techniques are disclosed for obtaining a desired luminance and/or intensity distribution from any lighting fixture that is illuminated by a lightguide. The techniques can be used, for instance, to design a non-uniform surface texture (e.g., of light extraction features) for a lightguide, wherein the surface texture achieves a desired uniform or an intentionally non-uniform luminance distribution for a given lightguide shape/geometry, dimensions, and/or composition.
03/06/14 20140064379	Video encoding and decoding with chrominance sub-sampling In video encoding, a video input received in 4:2:2 is resampled. Residuals are formed through the use of reference samples stored in the native 4:2:2, before transforming, quantising and entropy coding to form an encoded bitstream in the resampled format.
03/06/14 20140064368	Image encoding device, image decoding device, image encoding method, image decoding method, and image prediction device When an intra prediction parameter indicates a horizontal prediction process, an intra prediction unit adds a value proportional to a change in a horizontal direction of the luminance values of pixels adjacent to the top of each block, which is a unit for prediction process of a coding block, to the luminance value of a pixel adjacent to the left of the block to set a result of the addition as a predicted value of a prediction image, whereas when the intra prediction parameter indicates a vertical prediction process, the intra prediction unit adds a value proportional to a change in a vertical direction of the luminance values of pixels adjacent to the left of the block to the luminance value of the pixel adjacent to the top of the block to set the result of the addition as a predicted value of the prediction image.. .
03/06/14 20140063852	Light guide plate, planar lighting device and method of manufacturing light guide plate A light guide plate is provided which is high in light use efficiency, and is capable of emitting light with reduced luminance unevenness and obtaining a convex distribution. The light guide plate includes two or more layers which change in thickness in a direction substantially perpendicular to a light exit surface.
03/06/14 20140063749	Automated banking machine with slide mounted devices An apparatus including an automated banking machine is operative to cause financial transfers responsive at least in part to data read from data bearing records. The machine includes a card reader that is operative to read card data usable to identify at least one of a user of the machine and a financial account.
03/06/14 20140063479	Method for controlling exposure apparatus and exposure apparatus According to one embodiment, a method for controlling an exposure apparatus includes calculating a shift from a target value of an illuminance distribution on a reticle of light irradiated onto the reticle. The calculating is based on a relational expression and a measured value of an illuminance distribution on a wafer of light irradiated onto the wafer via a projection optical system.
03/06/14 20140063377	Antiglare device Electro-optical glare protection device for protective glasses, protective helmets or protective masks comprising at least two optical sensors, which are equipped to detect the luminance of an object field and which have a different characteristic for the angle-dependent relative sensitivity (s0). In particular, at least a first sensor comprises a first photodiode (1) having a narrow detection angle θ1<45° and a second sensor comprises a second photodiode (2) with a wide detection angle θ2>45°.
03/06/14 20140063366	Display device and a driving method for the same Disclosed are a display device and a driving method thereof in 2d/3d display field. The display device comprises: a display panel comprising a pixel electrode array, wherein each of the pixel electrode comprises at least one main pixel electrode portion (p1, p2) and at least one secondary pixel electrode portion (p1′, p2′), a gate line (ge1, ge2) is disposed between two adjacent rows of pixel electrodes, a gate line (go1, go2) is disposed between portions of each pixel electrode, a data line (do) is disposed between two adjacent columns of pixel electrodes, and all portions of the pixel electrodes in the same column are connected to a same data line (do); and a gate driving device (3-2) for inputting a gate shift pulse and a control signal to the display panel, so that for the display panel, in a 2d mode, all portions of the pixel electrodes are inputted with data signals, and in a 3d mode, a portion of each pixel electrode is inputted a data signal while another portion is not inputted with the data signal but used to form a black stripe.
03/06/14 20140063328	Focus detection apparatus, imaging apparatus, and control method of focus detection apparatus A focus detection apparatus comprises a pair of line sensors that generate a pair of image signals by photo-electrically converting an object image, calculation unit configured to calculate a defocus amount using the image signals, and control unit configured to control the line sensors to execute a charge accumulation operation until output levels of the line sensors reach a first voltage level based on a saturated voltage, wherein the control unit switches the saturated voltage based on luminance information.. .
03/06/14 20140063192	Three-dimensional shape measuring apparatus, three-dimensional shape measuring method, program, and storage medium An information processing apparatus includes a projection unit configured to project a projection pattern onto an object, an imaging unit configured to capture an image of the object on which the projection pattern is projected, and a derivation unit configured to derive a three-dimensional shape of the object based on the image captured by the imaging unit. The projection pattern projected on the object by the projection unit includes a first pattern including a continuous luminance variation repetitively arranged at certain distances in a predetermined direction, and a second pattern having information for identifying the position of the measurement pattern in the captured image in an area between peaks in the measurement pattern..
03/06/14 20140063081	Driving method of liquid crystal display device Under a normal environment, when red, green and blue displays are to be performed, the displays are performed singly by a red pixel, a green pixel and a blue pixel respectively, and under a high-illuminance environment, when the red display is to be performed, the display is performed by also shining the pixels other than the red pixel simultaneously, when the green display is to be performed, the display is performed by also shining the pixels other than the green pixel simultaneously, and when the blue display is to be performed, the display is performed by also shining the pixels other than the blue pixel simultaneously, thereby increasing the luminance of a screen. In this case, although the chromaticity of each color is lowered, since the luminance works more predominantly on the image quality under the high-illuminance environment than the chromaticity, image quality degradation does not occur..
03/06/14 20140063080	Method and apparatus for controlling image display The present disclosure discloses a method and an apparatus for controlling image display, which achieve uniformity of image display and remove the image-retention in a compensation manner of high precision, high efficiency and low cost. The method for controlling image display comprises: reading gray scales of all sub-pixels of a current frame image displayed by a display device; determining an ideal luminance corresponding to the gray scale according to a predetermined ideal corresponding relationship between the gray scales and luminance of respective sub-pixels respectively; determining an adjusted gray scale corresponding to the ideal luminance according to the predetermined original corresponding relationship between the gray scales and the luminance of respective sub-pixels respectively; driving the display device to display the current frame image according to the adjusted gray scale..
03/06/14 20140063075	Display device A display device is disclosed. The display device comprises a display panel whose luminance changes from a start luminance to a target luminance lower than the start luminance and which displays an image, wherein the image comprises a start frame having the start luminance and a start gamma, a target frame having the target luminance and a target gamma, and a plurality of intermediate frames sequentially placed between the start frame and the target frame, where a difference in the luminance of the display panel between adjacent frames is reduced..
03/06/14 20140063074	Systems and methods for controlling current in display devices The present disclosure relates generally systems and methods for controlling current provided to display devices. A method for controlling the current may include receiving drive current values associated with subpixels in a display and receiving information that corresponds to an application type being rendered on the display and/or an indication of image data being rendered on the display.
03/06/14 20140062328	Display device and method of controlling light source The display device includes a light source, and a control section adapted to generate a composite pulse width modulation signal using pwm1 having a first duty ratio and pwm2 having a frequency higher than the frequency of pwm1, and control a light emitting state of the light source using the composite pulse width modulation signal. The control section corrects a second duty ratio based on a difference between an expected value of luminance obtained when making the light source emit light using a virtual pulse width modulation signal, which is obtained by combining pwm1 and a pulse width modulation signal having the second duty ratio, and a setting value of luminance based on the information related to the luminance of the light source, and then uses the second duty ratio corrected as the duty ratio of pwm2..
03/06/14 20140062325	Scr dimming circuit and method The present invention relates to a silicon-controlled rectifier (scr) dimming circuit and method for regulating the luminance of a light-emitting diode (led) load. In one embodiment, an scr dimming circuit can include: an scr rectifying circuit having an scr element that receives an ac power supply, and generates a lack-phase ac voltage; a rectifier bridge that converts the lack-phase ac voltage to a lack-phase dc voltage, where the lack-phase dc voltage is filtered through a filter capacitor to generate a smooth dc voltage; a conduction phase angle signal generator that receives the lack-phase dc voltage and generates a controlling signal indicating a conduction phase angle range of the scr element; and a dimming signal generator that compares the controlling signal and a slope reference signal to output a dimming signal to control the luminance of the led load..
03/06/14 20140061455	Image quality adjusting method, non-transitory computer-readable recording medium, and electron microscope In accordance with an embodiment, a method of adjusting quality of an image of patterns common in shape includes acquiring a first gray value and a first waveform within a reference image, acquiring a sample image, acquiring a second gray value and a second waveform from third and fourth regions within a sample image, respectively, and adjusting the brightness and contrast of the sample image. The first gray value is a standard for the brightness of the image from a first region within a reference image.
03/06/14 20140061298	Method and system for reducing personal identification number (pin) fraud in point of sale transactions A method for personal identification number (pin) fraud prevention, comprising: receiving, a request for a card-based financial transaction; prompting a customer for a pin; receiving, from a scroll wheel corresponding to a plurality of digits, a first digit of the pin, wherein the customer selects the first digit of the pin by touching a touch sensitive region associated with the scroll wheel; receiving from the scroll wheel, a second digit of the pin, wherein the customer selects the second digit of the pin by touching the touch sensitive region, wherein the second digit is different than the first digit, and wherein touching the touch sensitive region to select the first digit and the second digit prevents fraud based on tracking pin entry; and completing the card-based financial transaction.. .
02/27/14 20140059088	Tokenization of date information Financial regulations can require the storing of transaction date information when conducting financial transactions. To improve the security of storing such information, date information can be tokenized prior to storage.
02/27/14 20140058977	Method, system, and computer program product for evaluating securities value A computer-implemented method, system and computer program product for evaluating securities investment value, through using accounting based data to generate value factors and evaluation factors of at least one financial object, and then an expected price of the financial object in the last year of a plurality of predication years may be generated. A requested return rate may be selected, and then a fair value of the financial object may be generated.
02/27/14 20140058976	Computerized sales tool for visualizing the impact of selective financial products on retirement planning A computerized financial product sales system is disclosed. The system includes a customer profile calibration module, a product selection module, and a visualization module.
02/27/14 20140058974	Method for evaluating consensus credit spread A financial metric application running on a computational device has a client registration module, a market factor measure collection module, a synthesis module and a reporting module. A plurality of pre-qualified financial professionals submit to the financial metric application collection module market factor measures which they believe contribute to a fixed income financial instrument metric, and the synthesis module comprising the application operates to evaluate the metric against each of the submitted market factor measures to determine the contribution each measure makes to the financial metric..
02/27/14 20140058960	Predictive modeling: litigation decision analysis and optimization A method for analyzing a litigation case. The method comprises: receiving a request to analyze a litigation case of a legal matter type and retrieving, in response to the request, a template for the legal matter type including a plurality of legal questions corresponding to a plurality of scenarios associated with the legal matter type.
02/27/14 20140058947	Parallel availability control checks in financial management system A rule set for an avc system permits avc operations to be performed at various levels of hierarchy within a governing budget data structure. A rule set contains a plurality of rules, each having an address field which relates an arbitrarily assigned control object to budget nodes in a budget data structure.
02/27/14 20140058944	Kit, system and associated method and service for providing a platform to prevent fraudulant financial transactions A system and associated method and service for providing a platform that prevents fraudulent transactions by allowing for the deposit, withdrawal, transfer, and exchange of denomination, including cash, international currencies, digital currency, hard and soft commodities, and coupons to and from members and non-members, in a mobile telecommunications environment, without tendering a financial instrument, such as a credit card or a check.. .
02/27/14 20140058940	Remote deposit capture internet deposit application A remote deposit capture system, comprising, a server adapted for centralized receipt of remote capture deposit transactions, a financial institution system adapted for receipt of remote capture deposit transactions information from said server and for crediting accounts based thereon, an internet deposit application adapted for communication with said server and for digital acquisition and processing of checks, and a digital acquisition device adapted for communication with said application and for capturing of checks.. .
02/27/14 20140058930	Financial charge rebate Aspects of the disclosure relate to assisting credit account holders during economic hardship. More specifically, aspects of the disclosure relate to systems and methods for providing a rebate of at least a portion of a finance charge applied to a credit account.
02/27/14 20140058926	Using commercial share of wallet to make lending decisions Commercial size of spending wallet (“csosw”) is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet (“csow”) is the portion of the spending wallet that is captured by a particular financial company.
02/27/14 20140058918	Standardization and management of over-the-counter financial instruments A method of managing financial products is disclosed. The method includes receiving transaction parameters associated with a financial transaction, determining a standardized financial product, wherein the standardized financial transaction reflects the transaction parameters associated with the financial position, calculating a net present value position between the financial position and the standardized financial product, and clearing the net present value position through a clearing party..
02/27/14 20140058917	Method for trade and exchange of expert information, including prognosis or prediction opinions System and method for providing a forum or platform for its users to share their own market analysis and predictions, and to receive the same sort of information from others. This exchange of information to be done electronically, via internet, other information networks.
02/27/14 20140058914	Transactional monitoring system A computer system conducts transactional monitoring to detect different types of possible cases in order to prevent financial crimes and assist businesses to comply with different types of laws and regulations. The computer system derives a total risk score for each of a group of entities based on risk factors.
02/27/14 20140058911	Consistent interface for financial instrument impairment expected loss analytical result A business object model, which reflects data that is used during a given business transaction, is utilized to generate interfaces. This business object model facilitates commercial transactions by providing consistent interfaces that are suitable for use across industries, across businesses, and across different departments within a business during a business transaction.
02/27/14 20140058909	System and method for reconciling one or more financial transactions A system, method and computer program product for reconciling one or more financial transactions of one or more business units. The method includes capturing transaction data from the financial transactions using a first set of data logics.
02/27/14 20140058907	Consistent interface for financial instrument impairment expected cash flow analytical result A business object model, which reflects data that is used during a given business transaction, is utilized to generate interfaces. This business object model facilitates commercial transactions by providing consistent interfaces that are suitable for use across industries, across businesses, and across different departments within a business during a business transaction.
02/27/14 20140058906	Consistent interface for financial instrument impairment attribute values analytical result A business object model, which reflects data that is used during a given business transaction, is utilized to generate interfaces. This business object model facilitates commercial transactions by providing consistent interfaces that are suitable for use across industries, across businesses, and across different departments within a business during a business transaction.
02/27/14 20140058905	Consistent interface for financial instrument impairment calculation A business object model, which reflects data that is used during a given business transaction, is utilized to generate interfaces. This business object model facilitates commercial transactions by providing consistent interfaces that are suitable for use across industries, across businesses, and across different departments within a business during a business transaction.
02/27/14 20140058892	Methods and systems for fan funding a creative work by accepting preorders The present invention is directed to a system and method for raising financing and/or revenue by artist for a project, where the project may be a creative work of the artist. The method including registering, by at least one artist, with a centralized database, at least one or more projects, offering, by the at least one artist, an entitlement related to the artist in exchange for capital for the project of the artist.
02/27/14 20140058890	System and methods thereof for financing a purchase order over the web A method for financing a purchase order includes receiving a purchase order from a customer node communicatively connected to a server, wherein the purchase order includes information regarding a customer associated with the customer node, a supplier of goods, at least one item to be purchased, a cost of the purchase order and a preferable loan term; collecting metadata related to the customer associated with the customer node; analyzing the purchase order and the collected metadata to compute a credit standing for the customer; determining whether the credit standing crosses a predetermined threshold, wherein the predetermined threshold is set respective of the purchase order; requesting from a supplier node communicatively connected to the server an electronic authentication respective of the purchase order, when the credit standing crosses the predetermined threshold; and sending an electronic guarantee to finance the purchase order to the supplier node, upon reception of the electronic authentication.. .
02/27/14 20140058878	System and method for sourcing medical apparatus The various embodiments of the auction systems and methods described herein provide a web based service that allows medical facilities to both sell and buy medical devices and supplies at a discount. This web based service will enable hospitals that otherwise would have a financial loss, to sell their soon to be expiring products at a discount, and at the same time allow facilities that have an immediate need for devices to purchase them at a lower price based on a more limited expiration than if bought directly from the manufacturer.
02/27/14 20140058866	Payment system, server, information processing apparatus, and computer program product A payment system includes an information processing apparatus, a sales terminal, and a server that are configured to establish communication with each other. The server includes a member information database that has id information stored in association with a member id of a member of the payment system; a member id receiving unit that receives the member id from the information processing apparatus; a member identifying unit that refers to the member information database and identifies the member id associated with the id information; a sales information transmitting unit that transmits the sales information that has been transmitted from the sales terminal along with the id information; and a payment processing request unit that receives from the information processing apparatus card information to be used to pay the payment amount indicated in the sales information and transmits a payment processing request including the card information to a financial institution..
02/27/14 20140058837	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.
02/27/14 20140058834	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.
02/27/14 20140058832	Ad partner revenue share and financial terms library Systems and methods for creating and managing financial term objects are disclosed herein for generating, based on a publisher's input, a plurality financial term objects. A financial term object includes a set of rules that govern how revenue is divided between a partner and a publisher when a supplemental content object is displayed to a user in response to the user accessing an online property of the partner.
02/27/14 20140058809	Ad partner revenue share and financial terms association overrides Systems and methods for the creation and management of rules for the governance of revenue sharing are disclosed herein. Generally, the system and methods generate, based on a publisher's input, at least one financial term override object.
02/27/14 20140058805	Remotely authorizing a purchase from a head unit of a vehicle Example systems and methods for authorizing a financial charge from the head unit of a vehicle are shown, in m example, vehicle position information is received from the head unit at a cloud server. The cloud server can also receive purchase information from the head unit of the vehicle.
02/27/14 20140058775	Methods and systems for managing supply chain processes and intelligence A global supply chain intelligence system (“gsci”) adapted to predict, discover and verify commodity trade flows. Creating and maintaining a dataset that tracks real and near real-time commodity flows as they happen as an input to the gsci.
02/27/14 20140058572	Systems and methods for energy consumption and energy demand management Various of the disclosed embodiments contemplate a computer-implemented method of energy consumption and energy demand management in a building. In accordance with some embodiments, interval energy data of a specific building may be collected with a fixed time interval and paired with local historical weather data and other forms of operational data, as well as financial data including historical utility bills, utility rate structures and billing cycle dates.

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