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This page is updated frequently with new Inanc-related patent applications.




Date/App# patent app List of recent Inanc-related patents
04/07/16
20160100146 
 Imaging apparatus, image processing method, and medium patent thumbnailImaging apparatus, image processing method, and medium
An imaging apparatus acquires an image including a still image and a moving image, tracks a position of the object within an image capturing area of the image, records a luminance change within a region of the object being tracked, detects a point having a luminance change amount equal to or greater than a threshold, as a specular reflection area, calculates an object correction value, which is a color correction value of the object, based on color information of the specular reflection area, and corrects color overlap of the image based on the object correction value.. .
Ricoh Company, Ltd.


04/07/16
20160100141 
 Image projection apparatus, image projection method, and computer-readable storage medium patent thumbnailImage projection apparatus, image projection method, and computer-readable storage medium
An image projection apparatus includes a light source configured to emit light with a luminance according to electric power; a color wheel configured to sequentially transmit the light through multiple color filters arranged along a circumferential direction; a light modulation element configured to form an image by modulating an intensity of the light transmitted through the color wheel according to an input signal representing input image data; and a selection controller configured to select, out of a first waveform indicating temporal change in electric power supplied to the light source in a first mode and a second waveform indicating temporal change in electric power supplied to the light source in a second mode, the second waveform when a luminance value of the input signal is equal to or less than a first threshold. A brightness of the image in the second mode is lower than that in the first mode..

04/07/16
20160099970 
 Contract broker for secure ad-hoc personal data sharing patent thumbnailContract broker for secure ad-hoc personal data sharing
The present disclosure is directed to a system and method for sharing sensitive personal data such as personally identifying data and financial data of a user. In an aspect the exchange of data is facilitated by a trusted contract broker, which is in communication with a client device and an external application.
Demandware, Inc.


04/07/16
20160098954 
 Organic light emitting display and degradation compensation method thereof patent thumbnailOrganic light emitting display and degradation compensation method thereof
An organic light emitting display can include a display panel including pixels, a degradation sensing circuit to sense a threshold voltage of organic light emitting diodes (oleds) in the pixels and calculate an average degradation value based on the sensed threshold voltage of the oleds, a compensation target adjustor to adjust a compensation target based on the average degradation value, when the average degradation value is reduced by a previously determined reference value, and a data modulator to add and subtract a luminance compensation value determined depending on the adjusted compensation target to and from input digital video data and modulate the input digital video data. Also, each time the average degradation value is reduced by the previously determined reference value, the compensation target adjustor reduces stepwise the compensation target in conformity with changes in the average degradation value, and a stepwise adjustment width of the compensation target is non-uniform..
Lg Display Co., Ltd.


04/07/16
20160098809 
 System and  checkless cash advance settlement patent thumbnailSystem and checkless cash advance settlement
Methods, devices, and systems for conducting a checkless cash access settlement are provided. In one embodiment, a cash advance method includes the following: a customer initiates a cash access transaction via a cash access system; the customer receives authorization or denial; the customer provides identification and the financial card to a cashier or attendant; the cashier or attendant validates the customer's identity, retrieves the transaction information, and completes the cash advance application; the application prints a non-negotiable instrument, such as a transaction receipt; the customer signs the receipt confirming the transaction with a physical receipt or electronic capture..
Everi Payments Inc.


04/07/16
20160098798 
 Method of creating a net lease using a risk shifting  investments in wind power generation patent thumbnailMethod of creating a net lease using a risk shifting investments in wind power generation
A method for constructing a financial mechanism in a wind power generation project investment by shifting at least a portion of the risk of the wind power generation project investment from an investor to a guarantor in a manner that allows the investor to consider the investment to be a net lease is disclosed. The method includes paying a premium amount for a wind power generation project obtaining a guaranteed total return floor amount for the wind power generation project, obtaining an amount of a fixed payment associated with the wind power generation project and an amount of a variable payment associated with the wind power generation project, obtaining a wind insurance policy, an equipment insurance policy, residual value insurance and/or a put option with appropriate collateral, and obtaining a service provider and an asset manager for the wind power generation project in a manner that preserves the investors position as the owner/operator..
Jupiter Renewables, Llc


04/07/16
20160098790 
 Annotating a transaction history record with merchant information identified from a merchant identifier and user computing device location data patent thumbnailAnnotating a transaction history record with merchant information identified from a merchant identifier and user computing device location data
A payment processing system receives one or more indications of a user's location at a time that the user initiates a transaction with a merchant system at a physical location of the merchant system, processes the transaction, and receives a merchant point of sale identifier from the issuer system associated with the financial account information selected by the user. The payment processing system creates a combined list of candidate merchant identities based on the received merchant pos identifier and the user computing device location.
Google Inc.


04/07/16
20160098759 
 System and  enabling efficient digital marketing on portable wireless devices for parties with low capabilities patent thumbnailSystem and enabling efficient digital marketing on portable wireless devices for parties with low capabilities
A system and method are provided for managing digital marketing to a multiplicity of consumers by way of portable wireless digital devices. The system comprises a simplified human-device interface stored on the portable wireless digital devices.
Grandpad, Inc.


04/07/16
20160098747 
 System and  predicting card member spending using collaborative filtering patent thumbnailSystem and predicting card member spending using collaborative filtering
The disclosed method and system allows a credit or charge card issuer to provide its card members with a list of restaurants that might be of interest based on the financial transactions of similar card members. In one instance, this method filters financial transaction data from a plurality of card members that involves a plurality of restaurants to generate a set of candidate restaurant recommendations for a selected card member.
Iii Holdings 1, Llc


04/07/16
20160098739 
 System and  shareholder investment patent thumbnailSystem and shareholder investment
A shareholder investment system and method is provided. At least certain embodiments relate to processing of loyalty rewards such as rewards generated via the use of credit cards, debit cards, prepaid cards, etc.

04/07/16
20160098708 

Systems and methods for processing transactions using payment tokens


A computer system is enabled to process a transaction. The computer system receives a financial account holder identifier and a merchant identifier and generates a payment token uniquely associated with the financial account holder and merchant.
Capital One Financial Corporation


04/07/16
20160098707 

Card management system having card image management function, card management method, and user terminal and server applied to the same


A card management system using a mobile wallet according to the present invention comprises: a user terminal having a mobile wallet for performing a finance trade function corresponding to a finance card; and a card management server which receives and stores card image information for the finance card from the user terminal, and which, when the finance card is to be used by way of the mobile wallet, searches for the stored card image information and provides the card image information to the user terminal.. .
Sk Planet Co., Ltd.


04/07/16
20160098704 

Donation device and method


An electronic, hand-held, and portable donation device and method are disclosed for collecting financial donations. The donation device may include a plurality of electronic payment processors, each payment processor corresponding to a different monetary amount..
Pod Giving Llc


04/07/16
20160098701 

Method and transaction management


The system provides a method and apparatus for initiating and completing a financial transaction from within an app, application, interface, email, ad, or the like, including social media apps, with very few steps. The system is agnostic as to merchant or advertiser, and allows a user to establish a single account that can be used for quick purchases across multiple platforms and promotional streams.

04/07/16
20160098699 

User-friendly mobile payments system


A method includes receiving a transaction request, which includes merchant data that identifies a merchant. The merchant data is translated into an account number for the merchant.
Mastercard International Incorporated


04/07/16
20160098670 

Technological and financial partnerships to enable a package exchange service


A cloud based package transfer system is discussed that has a cloud based package-exchange-service hosted on a cloud based provider site. The cloud based package-exchange-service supplies servers and databases of retail websites with information regarding services for package exchange available to customers and their associated vehicles.
Continental Intelligent Transportation Systems, Llc


04/07/16
20160098651 

Self-service model designer for federated financial planning and analysis


A methods and apparatuses for creating a federated multidimensional business planning model may comprise: creating, via a computing device, a first multidimensional business planning model; creating, via a computing device, a second multidimensional business planning model; integrating, via a computing device, the first multidimensional business planning model with the second multidimensional business planning model, wherein the integrating comprises mapping, via a computing device, dimensions of the first multidimensional business planning model to the second multidimensional business planning model, utilizing user input through a model map spreadsheet worksheet defining, via a computing device, at least one source dimension in the first multidimensional business planning model corresponding with at least one target dimension in the second multidimensional business planning model.. .
Host Analytics, Inc.


04/07/16
20160097886 

Decal for manufacturing multi-colored retroreflective sticker


A decal for manufacturing a multi-colored retroreflective sticker having a variety of colorful letters or patterns includes: a glass bead layer including a printing layer having the colorful letters or patterns made of dye-based ink, on one side of the glass bead layer; a transparent reflective layer formed on the other side of the glass bead layer and having a polarization element and a diffused reflection element sequentially deposited; an opaque bonding layer including a mixture of polyurethane and a white pigment and applied on the reflective layer to hold the glass bead layer; a thermal adhesive layer applied on the bonding layer; and a carrier sheet removably attached on the thermal adhesive layer by an adhesive remover layer, thereby obtaining uniform luminance under an artificial light source and high brightness and saturation under a natural light source.. .
Ms Korea Co., Ltd.


04/07/16
20160096990 

Red phosphor, producing red phosphor, white light source, illuminating device, and liquid crystal display device


A compound is provided containing silicon, aluminum, strontium, europium, nitrogen, and oxygen is used that enables a red phosphor having strong luminous intensity and high luminance to be obtained, and that enables the color gamut of a white led to be increased with the use of the red phosphor. The red phosphor contains an element a, europium, silicon, aluminum, oxygen, and nitrogen at the atom number ratio of the following formula: [a(m-x)eux]si9alyonn[12+y−2(n−m)/3].
Dexerials Corporation


04/07/16
20160096467 

Vehicle lamp and lighting circuit thereof


A lighting circuit, which is mounted in a vehicle lamp, can change the luminance at high speeds. The lighting circuit is used together with a semiconductor light source and makes up a vehicle lamp.
Koito Manufacturing Co., Ltd.


04/07/16
20160096393 

Security mark with chroma-based encoding


A secure document contains a security mark that includes a background that exhibits a first color, and a foreground that exhibits a second color. The first color and the second color together exhibit a chrominance variation that is not visible to the unaided human eye or when viewed with the assistance of a magnifying glass, but that is visible when viewed with the assistance of a microscope.
Xerox Corporation


03/31/16
20160094838 

Display device and electronic device


According to one embodiment, a display device includes a switching liquid crystal unit, a display, and a controller. The switching liquid crystal unit includes optical elements switching an aperture pattern including an aperture portion and a light-shielding portion.
Japan Display Inc.


03/31/16
20160094828 

Crosstalk cancellation in 3d displays


Image processing is performed to facilitate subtractive crosstalk cancellation in 3d images. In a global embodiment, pixel values are compressed to provide sufficient foot room for subtractive crosstalk cancellation.
Dolby Laboratories Licensing Corporation


03/31/16
20160094823 

Yuv signal generation for high dynamic range video content


An encoder may include a luma transform, a transformer, and a chroma transform. The luma transform may determine a linear luminance value based upon a plurality of primary color values of a pixel.
Apple Inc.


03/31/16
20160094770 

Image processing method and apparatus, and terminal


An image processing method and apparatus, and a terminal, that relate to the field of data processing, so that a photographed image can be clearer, thereby effectively improving image processing efficiency. The method includes acquiring luminance of a current photographing environment and a photographing moving speed of a target object; determining an exposure parameter and a gain parameter according to the luminance of the current photographing environment and the photographing moving speed of the target object; and processing an acquired image of the target object according to the exposure parameter and the gain parameter.
Huawei Device Co., Ltd.


03/31/16
20160094769 

Image pickup apparatus with emission unit, control method therefor, and storage medium storing control program therefor


An image pickup apparatus capable of obtaining focusing information at the time of photometry for emission control and of controlling an emission quantity appropriately. An image pickup device receives a pair of light beams that pass through different pupil division areas of an imaging optical system with a pair of photoelectric conversion sections.
Canon Kabushiki Kaisha


03/31/16
20160093254 

Luminance control use in displays


A luminance control system includes a display with a backlight module, a detecting module, and a control module with a control circuit. The control module is coupled between the backlight module and the detecting module.
Hon Hai Precision Industry Co., Ltd.


03/31/16
20160093243 

Image display method and electronic device


An image display method, adapted to an electronic device having a screen, an image capturing unit, and a light sensor, includes the following steps. A preview image captured by the image capturing unit is received and processed so as to generate a plurality of pixel luminance values of the preview image.
Acer Incorporated


03/31/16
20160093241 

Display pixel structures and operating same


Techniques and mechanisms for displaying an image with structures of a pixel array. In an embodiment, pixels of the pixel array each include three chrominance elements and a fourth luminance element.
Google Inc.


03/31/16
20160093238 

Image color enhancement for display


S104: adopting a gain function to conduct gain computing for the relative saturation s1 and obtaining a gain saturation s2; s105: according to a formula od2=od*s2, obtaining the gain saturation s2 relative to the chrominance value d2 in the rgb triangle and the chrominance value d2 is located in the line od; s106: computing the rgb data corresponding to the chrominance values d2 and obtaining the rgb data after saturation enhancement. An image color enhancement device is also disclosed for executing the image color enhancement method..

03/31/16
20160093080 

Optimizing the legibility of displayed text


Input data may define an approach, model or theme for presenting text in a two-dimensional or a three-dimensional display environment. The input data may be analyzed to determine a legibility score of the text.
Microsoft Technology Licensing, Llc


03/31/16
20160093000 

Novel cloud-based art inventory management system, incorporating techniques, methods and devices


The present invention teaches a novel mobile-enabled secure, interactive, scalable, multi-platform cloud-based system for monitoring, managing, organizing, sharing, evaluating and/or promoting unique art objects, and the like, and interconnecting members of the art world, such as artists, galleries, museums, collectors, auction houses, art fairs, institutions, and art organizations. The cloud-based portfolio management tool provides unique capabilities for collectors to be able to engage interactively with their art, in a manner that permits the fusing of such management with market history and insurance data.
Collectrium Inc.


03/31/16
20160092987 

Funding seed investments


A funding platform permits investors to review a company for investment and provide funding for the company by executing an investment transaction online. The funding platform determines whether the investor is an accredited or qualified investor and provides diligence information to the investor for evaluating whether to invest in the company.
Seedchange Inc.


03/31/16
20160092983 

Microfinance funds aggregation for a retail investor


A computer-implemented system and method supporting aggregation for clients are disclosed. A particular example embodiment includes selecting listings for clients based on profiles; causing display of the listings at the clients; receiving, from at least some of the clients, authorization to aggregate resources; aggregating the authorized resources; and providing the aggregated resources to another party..
Paypal, Inc.


03/31/16
20160092973 

Method for financing purchases for others using a sender's charge account


A method allows a sender to buy goods or services for a third party immediately on an established account of the sender even before the sender pays for the expense occurred. The system works particularly well for purchases of mobile telephone airtime for others.
Globalpay Solutions Usa, Inc.


03/31/16
20160092874 

Method and system for conducting pre-authorized financial transactions


A method and system for conducting a pre-authorized financial transaction is disclosed. A security gateway receives a pre-authorization token and a consumer alias from a merchant or an acquirer of the merchant.
Visa International Service Association


03/31/16
20160092870 

Systems and methods for generating and administering mobile applications using pre-loaded tokens


The disclosed embodiments include computerized methods and systems that provide mobile application programs to devices of users and that administer these mobile application programs using tokens “pre-loaded” with data. In one aspect, the disclosed embodiments may generate a mobile payment product, such as a mobile wallet, that is “pre-loaded” with eligible financial products.
The Toronto-dominion Bank


03/31/16
20160092869 

Systems and methods for administering mobile applications using pre-loaded tokens


The disclosed embodiments include computerized methods and systems that enable users to delegate a functionality of a mobile application through pre-loaded tokens. In one aspect, the disclosed embodiments may temporarily delegate or “loan” financial products loaded into a mobile wallet of a user to other eligible users.
The Toronto-dominion Bank


03/31/16
20160092868 

Systems and methods for generating and administering mobile applications using pre-loaded tokens


The disclosed embodiments include computerized methods and systems that provide mobile application programs to devices of users and that administer these mobile application programs using tokens “pre-loaded” with data. In one aspect, the disclosed embodiments may generate a mobile payment product, such as a mobile wallet, that is “pre-loaded” with eligible financial products.
The Toronto-dominion Bank


03/31/16
20160092641 

Facilitating clinically informed financial decisions that improve healthcare performance


Systems, methods and computer readable media that facilitate providing clinically informed financial decisions that improve healthcare performance are provided. In an aspect, a system includes a performance evaluation component configured to identify groups of patients having received healthcare service by a healthcare organization and associated with a common healthcare service parameter and uncommon healthcare service parameters.
University Hospitals Of Cleveland


03/31/16
20160092606 

Multi-objective design optimization using adaptive classification


Definition of a design space and an objective space for conducting multi-objective design optimization of a product is received in a computer system having a design optimization application module installed thereon. Design space is defined by design variables while objective space is defined by design objectives.
Livermore Software Technology Corporation


03/31/16
20160092145 

Authorizing or printing negotiable instrument


A method of authorizing a negotiable instrument includes automatically receiving a request for the instrument, identity data identifying a requester, and a location of a requester. If the location is within location range for the identity data, a verification code is transmitted to the client.
Manning Ventures, Inc.


03/31/16
20160091649 

Laminate film, backlight unit, and liquid crystal display device


Provided are a laminate film which enables to enhance luminance, and a backlight unit and a liquid crystal display device including this laminate film, as well as a method for producing this laminate film. Provided are laminate films including an optical functional layer and a barrier layer stacked on at least one surface of the optical functional layer, laminate films each having a film having a higher refractive index than a refractive index of the optical functional layer, on a lateral surface of the optical functional layer.
Fujifilm Corporation


03/31/16
20160091174 

Led light source device


An led light source device having an led including an led element as a light emission source and capable of possessing the same light distribution characteristics and luminance distribution as those of a common bulb having a coiled filament as a light emission source is provided. The led light source device is also capable of providing the same light distribution pattern when it is used for a lighting fixture that utilizes a bulb as a light source, in place of a bulb.
Stanley Electric Co., Ltd.


03/31/16
20160089012 

Endoscope operating the same


An endoscope system is provided with a light source unit for generating illumination light, an image sensor for imaging an object of interest irradiated with the illumination light, an image signal obtaining section, a calculated image signal generator, and an image generator. The image signal obtaining section obtains a b1 image signal corresponding to violet light and a b2 image signal corresponding to blue light.
Fujifilm Corporation


03/31/16
20160088918 

Nail printing apparatus, a controlling the nail printing apparatus and a computer readable storage medium


A nail printing apparatus is provided with a controlling unit for acquiring an end position on a tip side of a nail of a finger based on image data of an image of the finger, wherein the finger includes the nail having a nail tip portion and a nail back portion whose color is darker than a color of the nail tip portion. The controlling unit acquires luminance difference values which are difference in two of luminance values adjacent to each other in the image data, acquires a reference position where the luminance difference values represent a extreme value corresponding to a difference value between color of the nail tip portion and the nail back portion, and acquires the end position of the nail based on a position where the luminance difference values represent extreme value on the tip side from the reference position..
Casio Computer Co., Ltd.


03/24/16
20160088267 

Image processing device, image processing system, and image processing method


An image processing device of an embodiment includes: an input circuit to input a first to a third image signal respectively corresponding to different first to third colors of an image; a first generator to generate a fourth image signal by adding the first and second image signals; an enhancing circuit to apply edge enhancement processing to the third and fourth image signals; an output circuit to output the third and fourth image signals having undergone the edge enhancement processing in correspondence to a plurality of different areas of the image; a dividing circuit to divide the output third image signal and the output fourth image signal into a plurality of fifth image signals and a plurality of sixth image signals respectively; and a second generator to generate a luminance signal based on the plural fifth and sixth image signals.. .
Kabushiki Kaisha Toshiba


03/24/16
20160088213 

Inspection apparatus, coordinate detection apparatus, coordinate detection method, and wavefront aberration correction method


In an inspection apparatus according to one aspect of the present invention, a processing apparatus includes: a profile data generation unit that divides each of a plurality of images according to a circumferential position to generate profile data in which a radial direction position and luminance data are associated with each other; a deconvolution operation unit that carries out a deconvolution operation using a one-dimensional point spread function to generate deconvolution operation data based on the profile data; an estimation unit that estimates estimation data of the deconvolution operation data in a desired focus position in the optical axis direction using the deconvolution operation data; and a synthesis unit that synthesizes the estimation data estimated by the estimation unit for each radial direction position to generate the image in the desired focus position.. .
Lasertec Corporation


03/24/16
20160087921 

Method for tracking and routing financial messages for mobile devices


The present disclosure provides a financial messaging apparatus configured to encapsulate and transmit a financial message along with actions to a mobile device. The actions relate to rules that are associated with characteristics of the financial message..
Bottomline Technologies (de) Inc.


03/24/16
20160087153 


A structure of a high luminance led and a high luminance ld is provided. The present invention provides a light emitting device containing, on a zinc blende-type bp layer formed on an si substrate, an alyinxgazn (y≧0, x>0) crystal as a mother crystal maintaining the zinc blende-type crystal structure and in dots having an in concentration higher than that of the alyinxgazn (y≧0, x>0) crystal as the mother crystal..
Solartes Lab., Ltd.


03/24/16
20160086555 

Projection display providing additional modulation and related methods


A projection display system includes a spatial modulator that is controlled to compensate for flare in a lens of the projector. The spatial modulator increases achievable intra-frame contrast and facilitates increased peak luminance without unacceptable black levels.
Dolby Laboratories Licensing Corporation


03/24/16
20160086551 

Display device, display system, image output device, and controlling display device


A display device includes an emission part further including a first light source emitting a first light, a second light source emitting a second light having a longer wavelength than the first light, and a fluorescent substance which is excited by the first light and the second light so as to emit a third light, and a controller configured to generate a drive value of the first light source and a drive value of the second light source based on a luminance of the first light, a luminance of the second light, a luminance of the third light, a first target luminance for the first light source, a second target luminance for the second light source, and a third target luminance for the fluorescent substance, thus controlling two light sources based on the drive values of the first and second light sources.. .
Nec Display Solutions, Ltd.


03/24/16
20160086445 

Electronic voucher ticket system


A voucher ticket system employing a bill validator installed into any suitable automated machine, including an automated teller machine (atm), a gaming machine, etc. The bill validator is integrated with a bill reader, a voucher ticket reader, a reader to obtain an electronic voucher ticket from a portable computing device, a printer, and any other supporting peripheral devices.
Jcm American Corporation


03/24/16
20160086335 

Image processing apparatus, image processing method, and storage medium


An image processing apparatus can measure a three-dimensional shape of a subject with high accuracy when an image of a projection pattern is captured with a favorable contrast. The image processing apparatus includes a matching calculation unit that performs matching calculation between a projection pattern in an image being captured and an image of a projection pattern generated by a projection pattern generation unit.
Canon Kabushiki Kaisha


03/24/16
20160086296 

Intellectual property finance mechanism


A financing mechanism for intellectual property asset development finances the portfolio at a liquidation value over the life of the asset. A client company may assign their intellectual property assets to a holding company, and the client company may pay a payment to the holding company over the life of the asset.
Bluelron, Llc


03/24/16
20160086287 

Analyzing hack attempts of e-cards


Transactions using a bank customer's electronic debit or credit card (“e-card”) are monitored by the card owner's consumer electronic (ce) device and reported to a server associated with the financial institution maintaining the e-card records for analysis of aggregated hack attempts.. .
Sony Corporation


03/24/16
20160086286 

Using ce device record of e-card transactions to reconcile bank record


Transactions using a bank customer's electronic debit or credit card (“e-card”) are monitored by the card owner's consumer electronic (ce) device and reported to a server associated with the financial institution maintaining the e-card records for reconciliation to reveal possible fraud.. .
Sony Corporation


03/24/16
20160086276 

Method and deriving benchmarks for trading instruments


Benchmarks for the price of a financial instrument such as fx spot rate for a currency pair are calculated by an algorithm based on a previous benchmark and a market price. The market price is derived from a deal price and a quote price.
Ebs Group Limited


03/24/16
20160086264 

Market dynamic variable price limits


Data indicative of an instruction to calculate an upper price limit and a lower price limit corresponding to a financial product type may be received. In response to that instruction, data representing price information for each of n prior times may be accessed.
Chicago Mercantile Exchange, Inc.


03/24/16
20160086263 

System and locating and accessing account data to verify income


Account data (e.g., account balance, account identifiers, account holder information and transaction data) for accounts at a plurality of financial institutions are stored at one or more databases within an account database system. The account data may be accessed in response to various requests (asset search request, as a verification request and income verification request).
Early Warning Services, Llc


03/24/16
20160086261 

Method and system for providing just in time access to earned but unpaid income and payment services


Methods and systems (including associated devices) are disclosed herein that allow for the providing of one or more financial services, including the facilitating of access to accrued but unpaid earnings, to users such as employees of employers. In at least some embodiments, the extent to which services can be accessed or used is determined at least in part based upon one or more risk determinations.
Payactiv, Inc.


03/24/16
20160086222 

Method and system to remind users of targeted offers in similar categories


Disclosed herein is a method for providing an offer which includes selecting at least one offer for presentation by applying at least one rule dictated by a merchant to a set of offers, applying at least one rule dictated by a financial institution to the offers, and applying a filter to identify offers with the highest likelihood of being accepted by the user. The selected offer is then presented to the user.
Truaxis, Inc.


03/24/16
20160086217 

Systems and methods for providing offers using a mobile device


A wireless device is enabled to provide offers. The wireless device receives card data for a financial account card and stores the card data in a memory associated with the wireless device.
Capital One Financial Corporation


03/24/16
20160086185 

Method of alerting all financial channels about risk in real-time


A method of reducing financial fraud by operating artificial intelligence machines organized into parallel sets of predictive models with each set specially trained with supervised and unsupervised training data filtered for a particular financial channel. Each set integrates several artificial intelligence classifiers like neural networks, case based reasoning, decision trees, genetic algorithms, fuzzy logic, business rules and constraints, smart agents and associated real-time profiling, recursive profiles, and long-term profiles.
Brighterion, Inc.


03/24/16
20160086177 

Smart gross management of repairs and exceptions for payment processing


Methods and systems for providing smart gross management of repairs and exceptions for payment processing are presented. In some embodiments, a computing device may receive data regarding a plurality of payment transactions involving a client account of a financial institution.
Bank Of America Corporation


03/24/16
20160086158 

Payment verification method, apparatus and system


Methods, apparatuses and systems of payment verification are disclosed. A method includes receiving a request for connecting to a receiver access point (ap) from a terminal of a payer to be verified and geographical location information of the receiver ap, verifying whether account information included in the request matches with pre-stored payment account information; returning a verification result to the receiver ap; receiving a payer terminal geographical location information verification request from a payment server if the verification result indicates a match; verifying geographical location information of the terminal of the payer to be verified based on the geographical location information of the receiver ap; and returning a verification result of the payer terminal geographical location information verification request to the payment server.
Alibaba Group Holding Limited


03/24/16
20160086153 

Mobile payment systems and methods


A method includes providing a first payment account that is issued by a first financial institution and enables an accountholder thereof to make payments at merchants via a closed-loop payments network corresponding to the first financial institution and mobile person-to-person payments using the payment account. The method includes enabling a second payment account that is issued by a second financial institution to be electronically linked to the first payment account and used as a source of funds.
Gofigure Payments, Llc


03/24/16
20160086145 

Electronic voucher ticket system


A voucher ticket system and method of use employing a bill validator installed into any suitable automated machine, including an automated teller machine (atm), a gaming machine, etc. The bill validator is integrated with a bill reader, a voucher ticket reader, a reader for acquisition of electronic voucher ticket information from a portable computing device, a printer, and other supporting peripheral devices.
Jcm American Corporation


03/24/16
20160086143 

Automated financial transactions


Arrangements relate to processing financial transactions on an automated teller machine (atm). An atm identifier can be presented on a display of the atm.
International Business Machines Corporation


03/24/16
20160086107 

Methods for calculating a total knowledge exploitation score for a knowledge artifact and devices thereof


A method, non-transitory computer readable medium and device that calculates a total knowledge exploitation score for a knowledge artifact in a knowledge management system which comprises determining at the knowledge management data server device, a strategic positioning index for a knowledge artifact based on at least one of a market attractiveness index or a competitive position index. A financial positioning index for the knowledge artifact based on a conversational economic potential score is determined at the knowledge management data server device.
Wipro Limited


03/24/16
20160086031 

Image processing apparatus, image processing method, and storage medium


An image processing apparatus includes a processor that executes a process. The process includes converting an input image into multiple types of images based on values of pixels in the input image, and selecting at least one image from the multiple types of images based on luminance information of the multiple types of images..
Fujitsu Limited


03/24/16
20160085070 

Ambient display


A windshield includes a windshield body and an ambient display coupled to the windshield body. The ambient display includes a light guide plate and a light source optically coupled to the light source.
Gm Global Technology Operations Llc


03/24/16
20160084879 

Clamp meter and clamp probe


The present application relates to a clamp meter and a clamp probe that can be matched for use with the clamp meter. The clamp meter comprises a main meter body having an interfacing connector and one or more clamp probes, wherein each of the clamp probes is detachably connectable to the interfacing connector of the main meter body.
Danaher (shanghai) Industrial Instrumentation Technologies R&d Co., Ltd.


03/24/16
20160084462 

Vehicle headlight module, vehicle headlight unit, and vehicle headlight device


A vehicle headlight module includes: a light source that emits light that becomes illumination light; a light guide component having an incident surface through which the light emitted from the light source enters the light guide component as incident light, a side surface that reflects the incident light to superpose beams of the incident light, and an emitting surface from which the reflected incident light is emitted; and a projection lens that projects the light emitted from the emitting surface. The light guide component has an inclined surface in the side surface.
Mitsubishi Electric Corporation


03/24/16
20160084461 

Vehicle lamp


Provided is a vehicle lamp for emitting illumination light having reduced color nonuniformity and luminance variation with a simple structure. The vehicle lamp comprises: a light source for emitting excitation light; a fluorescent body for emitting fluorescent light excited by the excitation light emitted from the light source; a diffuser for diffusing the excitation light specularly reflected on the surface of the fluorescent body; and a reflector for reflecting the fluorescent light emitted from the fluorescent body and the excitation light diffused by the diffuser ahead of a vehicle.
Hitachi Maxell, Ltd.


03/24/16
20160082979 

Situation awareness system and method


A situation awareness method can be used to provide information to a vehicle operator via first, second, and third substantially transparent ambient displays that are coupled to a windshield of a vehicle. The situation awareness method includes the following steps: (a) monitoring a physiological state of the vehicle operator; (b) monitoring a vehicle operating parameter of the vehicle; (c) monitoring a vehicle context data; (d) identifying a predetermined physiological condition based on the monitored physiological state of the vehicle operator; (e) identifying a predetermined vehicle operating condition based on the monitored vehicle operating parameter; (f) identifying a predetermined vehicle context condition based on the monitored vehicle context data; (g) adjusting a luminance of the first, second, and third substantially transparent ambient displays based on the identified predetermined physiological condition, the identified predetermined vehicle operating condition; and the identified predetermined vehicle context condition, respectively..
Gm Global Technology Operations Llc


03/24/16
20160081541 

Endoscopic system


An endoscopic system uses the distribution of a luminance level of a photographic image taken by an imaging unit at the distal end of an endoscope to determine whether an observation window has fogged up, and then raises the temperature by a heater and remove the fog on the observation window.. .
Olympus Corporation


03/17/16
20160080944 

System and multi-factor mobile user authentication


A system and method are disclosed herein leveraging financial networks standards with mobile device data and sim card chip knowledge to authenticate a device. For instance, a party to a transaction may utilize these elements of information, not traditionally associated with wireless transactions, to achieve a lower probability of fraud and/or a higher confidence associated with the transaction..
American Express Travel Related Services Company, Inc.


03/17/16
20160080728 

Stereoscopic image processing methods and apparatus


Stereoscopic image processing methods and apparatus are described. Left and right eye images of a stereoscopic frame are examined to determine if one or more difference reduction operations designed to reduce the luminance and/or chrominance differences between the left and right frames is within a range used to trigger a difference reduction operation.
Nextvr Inc.


03/17/16
20160080727 

Depth measurement apparatus, imaging apparatus, and depth measurement method


A depth measurement apparatus for calculating depth information on an object, using one color image, including: a selection unit adapted to select, from a plurality of color planes of the color image, at least two color planes with different image formation positions; an adjusting unit adapted to adjust a luminance difference between the selected color planes; and a calculation unit adapted to calculate the depth information using a difference in blur between the adjusted color planes.. .
Canon Kabushiki Kaisha


03/17/16
20160080714 

Transmitting device, transmitting method, receiving device, and receiving method


Display with an appropriate luminance dynamic range is realizable on a receiving side. A gamma curve is applied to input video data having a level range from 0% to 100%*n (n: a number larger than 1) to obtain transmission video data.
Sony Corporation


03/17/16
20160080707 

Image photographing apparatus and image photographing method thereof


An image photographing apparatus and an image photographing method thereof are provided. The image photographing method includes determining an illuminance of a photograph environment during image photographing; and controlling a resolution of a captured image according to the determined illuminance..
Samsung Electronics Co., Ltd.


03/17/16
20160080420 

Using indications of compromise for reputation based network security


Threat detection instrumentation is simplified by providing and updating labels for computing objects in a context-sensitive manner. This may include simple labeling schemes to distinguish between objects, e.g., trusted/untrusted processes or corporate/private data.
Sophos Limited


03/17/16
20160080419 

Data behavioral tracking


Threat detection instrumentation is simplified by providing and updating labels for computing objects in a context-sensitive manner. This may include simple labeling schemes to distinguish between objects, e.g., trusted/untrusted processes or corporate/private data.
Sophos Limited


03/17/16
20160080418 

Normalized indications of compromise


Threat detection instrumentation is simplified by providing and updating labels for computing objects in a context-sensitive manner. This may include simple labeling schemes to distinguish between objects, e.g., trusted/untrusted processes or corporate/private data.
Sophos Limited


03/17/16
20160080417 

Labeling computing objects for improved threat detection


Threat detection instrumentation is simplified by providing and updating labels for computing objects in a context-sensitive manner. This may include simple labeling schemes to distinguish between objects, e.g., trusted/untrusted processes or corporate/private data.
Sophos Limited


03/17/16
20160080399 

Threat detection using a time-based cache of reputation information on an enterprise endpoint


Threat detection instrumentation is simplified by providing and updating labels for computing objects in a context-sensitive manner. This may include simple labeling schemes to distinguish between objects, e.g., trusted/untrusted processes or corporate/private data.
Sophos Limited


03/17/16
20160078823 

Luminance adjusting display screen of electronic device


A luminance adjusting method for a display screen of an electronic device includes the following steps. Firstly, a current brightness value and a current imaging color value of the display screen are recorded.
Primax Electronics Ltd.


03/17/16
20160078822 

Display device and driving method thereof


It is an object of the present invention to provide a display device in which problems such as an increase of power consumption and increase of a load of when light is emitted are reduced by using a method for realizing pseudo impulsive driving by inserting an dark image, and a driving method thereof. A display device which displays a gray scale by dividing one frame period into a plurality of subframe periods, where one frame period is divided into at least a first subframe period and a second subframe period; and when luminance in the first subframe period to display the maximum gray scale is lmax1 and luminance in the second subframe period to display the maximum gray scale is lmax2, (½) lmax2<lmax1<( 9/10) lmax2 is satisfied in the one frame period, is provided..
Semiconductor Energy Laboratory Co., Ltd.


03/17/16
20160078813 

Organic light emitting display capable of compensating for luminance variations caused by changes in driving element over time and manufacturing the same


Provided are an organic light emitting display and a method of manufacturing the same. The organic light emitting display includes: a display panel including a plurality of pixels, each pixel including: a light emitting element, and a driving element to drive the light emitting element, a data driving circuit to, within one horizontal display period: write sensing data to a pixel on a horizontal display line through a data line, sense the pixel current of the pixel through a reference line, and then write display data compensated by a first offset compensation value to the pixel, an offset calculator to calculate a second offset compensation value for compensating changes in the driving element over time based on the sensed value of the pixel current, and an offset memory to update the pre-stored first offset compensation value with the second offset compensation value when display data writing is stopped..
Lg Display Co., Ltd.


03/17/16
20160078626 

Alignment apparatus and substrate processing apparatus


An alignment apparatus for aligning a wafer includes a mounting unit, an imaging unit, an elevation unit, and a controlling unit. The control unit outputs a control signal for controlling the elevation unit such that a luminance variation between the outer side and the inner side of the wafer obtained by the imaging unit becomes the same as a luminance variation obtained when the imaging unit is focused, for estimating a warpage state of the wafer based on an amount of relative movement of the imaging unit and the mounting unit with respect to a relative height position of the imaging unit and the mounting unit obtained when the imaging unit is focused on a reference wafer having no warpage, and for detecting the alignment mark of the wafer by the imaging unit by rotating the mounting unit in a state where the imaging unit is focused..
Toyo Electron Limited


03/17/16
20160078618 

Image processing apparatus and image processing method


An image processing apparatus includes a processing circuitry. The processing circuitry acquires volume data including a blood vessel image.
Toshiba Medical Systems Corporation


03/17/16
20160078612 

Alignment apparatus


An alignment apparatus for aligning a wafer by optically detecting an alignment mark includes an imaging unit configured to image an imaging region extending across a circumferential edge of the wafer, an irradiation unit configured to irradiate light toward the imaging region, a reflection part configured to reflect toward the imaging region the light that is irradiated from the irradiation unit upwardly, and a control unit configured to detect the circumferential edge. The reflection part has a reflectance making a luminance difference between the outside of the wafer and the circumferential edge of the wafer in a luminance distribution pattern obtained by imaging the imaging region.
Tokyo Electron Limited


03/17/16
20160078568 

System and providing a spend memory record


Systems and methods include a database maintained by a financial institution that stores transaction data associated with a previous financial transaction performed via a financial account of a respective account holder, wherein the transaction data comprises a transaction location and a transaction timestamp, a spend memory processor of the financial institution that retrieves the transaction data from the database, interacts with a social linking application programming interface (api) to receive, via a network, social data from a social networking site, wherein the social data comprises a social location and a social timestamp, compares the social data to the transaction data, and creates a spend memory record based on one or more similarities between the social data and the transaction data, and a communication interface of the financial institution that provides the spend memory record to a mobile device associated with the account holder.. .
Capital One Financial Corporation


03/17/16
20160078559 

Systems and methods for household cash management system


To address the challenges of managing the cash flow of a household, the present solution provides for an efficient and automated cash flow management tool. In an industrialized market where households incur and manage dozens of bills and expenses, the systems and methods of the cash flow management system (“cfm”) of the present solution enables households to seamlessly and efficiently plan their budget, pay their bills, enforce their expense budget, save for custom planned goals and realize their financial plans all from one account.

03/17/16
20160078540 

Online trading distributed advertising and trading of securities transactions


A method and system to facilitate advertisements and transactions of financial securities that are not listed on public securities exchanges through a website. Examples of such securities include stocks, options, and bonds.

03/17/16
20160078539 

System and modeling and verifying financial trading platforms


A computer-implemented method assesses operation of a financial computing system (fcs). An assessment computer system generates code for a model of the fcs that comprises a model specification for the fcs and a model environment for the fcs.
Aesthetic Integration Limited


03/17/16
20160078534 

Method and network for transferring a loan


A method of transferring a loan involves a primary financial institution server receiving a credit application for a loan. The credit application includes credit application content and further includes credit application meta-data identifying particulars of the credit application.
The Toronto-dominion Bank


03/17/16
20160078533 

Mortgage assistant method


Disclosed is four new financing methods, one of which involves financing of a set portion, say 50%, of a mortgage secured by junior lien on the property for say 10 years, and offering the option to mortgagee of buying out the lender once a year, say by any year ends, for the repayment of the loan plus say 1% of the property fair value, whereas mortgagee and lender may form a joint venture, in which lender may buy life insurance on the mortgagee, to clear obligations, should mortgagee pass away, in which case the lender, as sole beneficiary receives the policy benefit. The other three, are novel modifications of the same, yielding to novel financing methods, all aiming to help distressed property owners to keep their property in hardship..

03/17/16
20160078529 

System and mapping and monitoring deposit channels


In order to prevent false positives at a duplicate transaction detection system, channel deposit data from financial institutions (representing the manner of presentment of checks at those institutions) are provided to a channel mapping/monitoring system. The channel mapping monitoring system calculates a prediction interval representing a normal expected range of deposits in any given channel.
Early Warning Services, Llc


03/17/16
20160078527 

Device and conducting financial services business via remote video conference


A device and method for integrating the functions of atms, online banking, and other financial services into a single user-friendly video conferencing station at which a customer and representative of a financial institution may converse face to face in real time and conduct any and all of the business they would otherwise be able to conduct in person in an office on the premises of the financial institution. The station consists of: a unit roughly the size and shape of a standard office desk and containing a monitor for videoconferencing, a scanner and printer for exchanging documents, a smaller scanner for verification of identification cards, and an electronic signature pad; and an atm or similar kiosk capable of remote operation for dispensing cash and teller checks..

03/17/16
20160078503 

Method and apparatus to extend grace period for utility payments by prepaid device-holders


Systems and methods for determining whether to extend a grace period to a consumer instead of cancelling their services are described. The system/method accesses payroll card and/or other information pertaining to the consumer's financial and/or employment status and history.
Mastercard International Incorporated


03/17/16
20160078457 

System of sequential kernel regression modeling for forecasting financial data


A monitoring system for determining the future behavior of a financial system includes an empirical model to receive reference data that indicates the normal behavior of the system and input pattern arrays. Each input pattern array has a plurality of input vectors, while each input vector represents a time point and has input values representing a plurality of parameters indicating the current condition of the system.
Ge Intelligent Platforms, Inc.


03/17/16
20160078450 

Commitment tracking system


Aspects described herein provide various approaches for managing financial commitments for customers of a financial institution. Financial data regarding a financial commitment for a customer of the financial institution may be received from one or more computing devices.
Bank Of America Corporation


03/17/16
20160078446 

Method and secure online credit card transactions and banking


A hardware based system and method that detects fraudulent financial activity originating from malicious programs on a user's computer and ensures that user sensitive information is not accessible to programs on the user's computer. The system includes an untrusted service process on the user's computer, a back end server/cloud based infrastructure, and a user device that records the user's computer at the time the transactions are executed.

03/17/16
20160078438 

Secure in-line payments for rich internet applications


Methods and systems are provided for making secure financial transactions, such as purchase payments, using rich internet applications (ria) running an ria runtime (also referred to as a platform or framework) on the user's smart phone or other mobile device. Embodiments differ from the usual way of re-directing a user from a third-party application and authenticating the user by providing secure in-line payments from a rich internet application running on an ria runtime.
Paypal, Inc.


03/17/16
20160078429 

Enabling card and method and system using the enabling card in a pos


The invention, relates to an enabling card as well as a system and method for completing a financial transaction in a p.o.s. Terminal comprising: a processor carried by the enabling card for establishing a connection with a mobile device; receiving secure information from a mobile device and generating a digital signal; a coil carried by the enabling card for generating a magnetic field in response to the digital signal to simulate the swipe of card in the p.o.s.
Dashpass Inc.


03/17/16
20160078425 

Financial transaction processing with digital artifacts and multiple payment methods using a server


A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user.

03/17/16
20160078420 

Method for financing purchases for others using a sender's charge account


A method allows a sender to buy goods or services for a third party immediately on an established account of the sender even before the sender pays for the expense occurred. The system works particularly well for purchases of mobile telephone airtime for others.
Globalpay Solutions Usa, Inc.


03/17/16
20160078417 

System and providing a driverless portable atm


Systems and methods include a database of a financial institution that maintains a respective status of a plurality of driverless mobile automated teller machines (atms), the status of each of the plurality of driverless mobile atms indicating the location of the respective driverless mobile atm and the amount of cash available for withdrawal from the driverless mobile atm, a communication interface that receives a request for a driverless mobile atm from a user device via a network, the request including user device location data, a location processor that compares the user device location data to location data associated with the plurality of mobile atms, and determines a first mobile atm from the plurality of driverless mobile atms that is closest to the user device based on the user device location data, wherein the communication interface transmits a first alert that includes the request to the first driverless mobile atm via a network, receives a response from the driverless mobile atm via the network, transmits a second alert that includes the location of the first driverless mobile atm and an estimated time that the driverless first mobile atm will arrive at the location associated with the user device location data to the user device, and receives confirmation that the transaction occurred from the first driverless mobile atm, and wherein the first driverless mobile atm either provides cash to a user associated with the user device or receives cash from the user associated with the user device, and a transaction processor of the backend system of the financial institution that process the transaction based on the received confirmation.. .
Capital One Financial Corporation


03/17/16
20160078225 

Labeling objects on an endpoint for encryption management


Threat detection instrumentation is simplified by providing and updating labels for computing objects in a context-sensitive manner. This may include simple labeling schemes to distinguish between objects, e.g., trusted/untrusted processes or corporate/private data.
Sophos Limited


03/17/16
20160078185 

System and verification of pharmaceutical drugs prescription and costs


A system and method of generating for determining appropriateness of a pharmaceutical prescription includes receiving, at a remote server, input data from a client device, the input data comprising at least one of a tradename of a pharmaceutical, a generic name of the pharmaceutical, drug category, drug sub category, or diagnosis data; searching, using a pharmaceutical clinical and expense module, a pharmaceutical usage/financial database (pufd) to identify relevant data based on the input data; generating, using the pharmaceutical clinical and expense module, output data based, at least in part, on the identified relevant data; and transmitting the output data to the client device.. .
Advanced Medical Strategies, Llc




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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