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Date/App#	List of recent Inanc-related patents
04/17/14 20140108557	System providing an interactive conference Embodiments of the invention are directed to systems, methods and computer program products for providing an interactive conference, such as a video conference. The system, methods, and computer program products determine that an operative connection is being established between a user device of a user and a system associated with a representative of a financial institution, such that the user and the representative may conduct a conference; provide a document viewable by both the user and the representative during the conference; and enable the document to be edited by at least one of the user and the representative during the conference.
04/17/14 20140108298	Management of goals and recommendations A particular method includes creating a financial planning goal for a financial planning client based at least in part on a financial planning objective. A financial planning recommendation is associated with the financial planning goal, and data identifying the financial planning goal and the financial planning recommendation is stored in a data store.
04/17/14 20140108292	Computer program, system, and method for comparing social security claiming strategies A non-transitory computer readable medium having a computer program stored thereon for directing operation of a processor. The computer program receives personal and financial data for a couple; accesses data for a plurality of social security claiming strategies for the couple based on the personal and financial data; and illustrates on a graphical display which of the social security claiming strategies would provide the maximum cumulative benefits for each of multiple mortality combinations of the couple so that the couple or an advisor for the couple can quickly ascertain which claiming strategy would provide the maximum benefits for each mortality combination.
04/17/14 20140108288	Providing a record of an interactive conference Embodiments of the invention are directed to systems, methods, and computer program products for providing a record of an interactive conference, such as a video conference. The systems, methods, and computer program products determine that an operative connection has been established between a user device of a user and a system associated with a representative of a financial institution, such that the user and the representative are conducting a conference; identify a document referenced during the conference; capture at least a portion of the conference in a record; associate the document with the record; and store the record.
04/17/14 20140108268	System and method for collaboratively managing financial tasks A method of collaborating with a plurality of parties in an online system.. .
04/17/14 20140108257	Management of biometric information Fraud risk is monitored in financial transactions. Biometric information is received over the communications interface configured to exchange data with multiple distinct financial institutions.
04/17/14 20140108253	System and method for prepaid account replenishment A method of processing a transaction for provision of funds to a mobile telephone prepayment account associated with a mobile telephone is disclosed. The method includes: an automated teller machine (atm) receiving, from a card associated with a user of the mobile telephone, information identifying a financial account associated with the user of the mobile device; the atm receiving, from a user, an identifier associated with the mobile telephone; the atm receiving, from the user, information indicating an amount of funds to be provided to the mobile telephone prepayment account; and the atm sending, to a financial institution associated with the financial account, an instruction to transfer the indicated amount of funds from the financial account to the wireless service provider, so as to provide the indicated amount of funds to the mobile telephone prepayment account..
04/17/14 20140108249	Interoperable financial transactions via mobile devices A method and system provide interoperable electronic financial services using mobile communications devices and without the need for traditional banking systems like plastic cards, pos machines, branches and atms. A consumer can deposit and/or withdraw money from his account using his mobile device and with the help of a local agent without ever stepping inside a branch of a bank where the consumer has an account.
04/17/14 20140108239	Facilitating presentation of content relating to a financial transaction Systems, methods and computer-readable media for facilitating the presentation of content associated with a financial transaction are disclosed. The content may be identified by a requestor or a party to the financial transaction on whose behalf a request associated with the financial transaction is received.
04/17/14 20140108237	Automatic savings program A computer implemented method of processing a financial transaction executed by first person includes determining an automatic savings amount from the financial transaction by rounding up the amount of the financial transaction to the nearest dollar. The method further includes debiting the calculated savings amount from an account of the first person and crediting the savings amount to an account of a second person..
04/17/14 20140108235	Systems and methods for payment settlement The present disclosure includes a system, method, and article of manufacture for settling payment. In various embodiments, the method may comprise creating a group comprising a plurality of transaction accounts associated with a shared financial obligation, and settling a plurality of records of charge (rocs) corresponding to the shared financial obligation between each of the plurality of transaction accounts in the group.
04/17/14 20140108229	System and methods for trading complex financial products A system for managing the formation of and transactions relating to a syndicated loan is described which provides an interface for all active and prospective participants of a syndicated loan to interact with the system an each other, thereby making the syndication process more efficient and dynamic. In addition, a trading functionality is incorporated and described herein that creates a market for trading syndicated loans and disseminating information about the loans to other participants in the market..
04/17/14 20140108225	Method and apparatus for message flow and transaction queue management Management of transaction message flow utilizing a transaction message queue. The system and method are for use in financial transaction messaging systems.
04/17/14 20140108220	Swap index A financial instrument is provided with one or more indices underlying the financial instrument. Each index allows accurate tracking of interest rate swap (irs) markets.
04/17/14 20140108218	Method of buying or selling items and a user interface to facilitate the same A method of buying or selling items having at least one market and its associated processes are disclosed. The method includes the steps of, under control of a client system, displaying information identifying at least one item and a bid and/or ask price for the item in the market; and specifying transaction conditions based on a user directed position of a moveable icon, where the transaction conditions are related to the buying or selling of the identified item in the active market.
04/17/14 20140108214	Financial planning based on contextual data A financial planning system uses contextual data about a user to help create and modify a financial plan to achieve a financial goal. Financial goals can include money saving goals, investment goals, loan payment goals, and goals to purchase or rent goods, property and/or services.
04/17/14 20140108211	Device, system and method for electronic accounting The present invention relates to a computer-implemented method of electronic accounting upon entries based on at least one source accounting document representing at least one business transaction and a computer-implemented system for electronic accounting. The method and the system allowing improving accounting efficiency with a computer and providing control for financial position and/or economical activity of any businesses or individuals in any accounting unit in real-time scale and allowing a user to control for financial positions and economical activities of at least two businesses or individuals in real-time scale.
04/17/14 20140108197	Mobile system and method for payments and non-financial transactions A method and system for mobile commerce, communication, and transaction processing to real-world point of sale (pos), web, e-commerce, virtual terminal, mobile personal digital assistant, mobile phone, mobile device, or other computer based transactions involving either one or both financial and non-financial such as loyalty based transactions as a mobile payment system is described. A consumer mobile software application (cma) may be utilized in accordance with the method and system to provide a visual representation of merchants that abstractly represents the relevance of the merchants to a consumer..
04/17/14 20140108157	System, method, and computer program product for selecting and presenting financial products and services An apparatus and method use client information to automatically select products appropriate for the client. According to one aspect of the invention, client information, information about the products, ancillary data, and decision criteria pertaining to selection from among the products are stored in a storage device decision-making logic circuitry use the stored data to select the products.
04/17/14 20140108120	Mobile rewards redemption system and method A mobile rewards real-time redemption system allows members of programs to use a mobile rewards redemption application via their mobile device to redeem currency or points. A ‘ghost’ credit/debit vehicle (account) is used to redeem the rewards currency or points.
04/17/14 20140108114	System for providing conditional user awards A long term goal oriented commercial promotion system is disclosed. A user is enabled to set up a trust account on the system to accumulate the financial incentives under the condition of a long term goal.
04/17/14 20140108110	Goal-oriented long term incentive learning, feedback and survey award system A long term goal oriented incentive learning and feedback award system is disclosed. A plurality of third party providers are enabled to directly provide financial incentives to a user in exchange for a specific user performance.
04/17/14 20140108060	Transgenic crop financial systems and methods The invention provides systems and methods for determining discounted rates for insurance on and financial products relating to transgenic traited crops as compared to their traditional, non-traited counterparts. Certain methods of the invention involve generating comparison data contrasting the yields of transgenic traited crops to their traditional non-traited counterparts.
04/17/14 20140107836	Automated banking machine that can detect servicing actions In an example embodiment, an automated banking machine can cause financial transfers responsive to data read from data bearing records. The machine includes a card reader that can read from user cards, card data which corresponds to financial accounts.
04/17/14 20140107721	Apparatus for and method of terminating a high frequency arrhythmic electric state of a biological tissue For terminating a high frequency arrhythmic electric state of a biological tissue an electric signal representative of the present electric state of the biological tissue is obtained. From the electric signal a dominant frequency of the present electric state is determined, and from the dominant frequency it is determined whether the present electric state of the biological tissue is a high frequency arrhythmic electric state.
04/17/14 20140106883	Video game financial determinations According to an embodiment, a virtual environment is configured in which characters are able to engage in a variety of financial transactions is provided. Characters who are unable to fulfill their financial obligations may enter into bankruptcy.
04/17/14 20140106836	Games for evaluating financial forecasting skill A computer-implemented game system enables users to simulate the trading of financial instruments in a financial market. Among other things, the system simulates the purchasing of a financial instrument, the specification of conditions for holding or selling the financial instrument, and the selling of a financial instrument to realize simulated gains and losses.
04/17/14 20140106480	Method and apparatus for depositing phosphor on semiconductor-light emitting device A method and apparatus for depositing a phosphor using transfer molding. The method includes: forming a plurality of light-emitting devices on a wafer and rearranging the light-emitting devices on a carrier substrate according to luminance characteristics of the plurality of light-emitting devices by examining the luminance characteristics of the plurality of light-emitting devices; depositing the phosphor on the rearranged light-emitting devices using transfer molding; and separating the light-emitting devices on the carrier substrate..
04/17/14 20140105607	Method and apparatus for dimming with rate control for visible light communications (vlc) A visible light communication (vlc) device for lighting and data transmission includes a dimming block and a light emitting device. The dimming block is configured to receive a desired brightness level, determine a data duty cycle for the data transmission based on the desired brightness level, determine a filler luminance value based on the desired brightness level, and generate dimming information for use by a second vlc device for decoding the data.
04/17/14 20140105504	Illumination sensitive face recognition Systems and methods for face recognition are provided. In one example, a method for face recognition includes receiving a user image and detecting a user luminance of data representing the user's face.
04/17/14 20140104522	In-plane switching mode liquid crystal display device A liquid crystal display device according to the present invention is directed at optimizing the viewing angle characteristics of black luminance in a diagonal direction by realizing a low tilt angle without depending on an oriented film or an orientation treatment method in an ffs mode. The liquid crystal display device of the present invention is a liquid crystal display device in the ffs mode, including: a liquid crystal layer having a negative dielectric anisotropy; a color filter substrate disposed to sandwich the liquid crystal layer; and a tft substrate having pixels, wherein a cf side common electrode which controls a potential is present in a liquid crystal layer side of the color filter substrate; and there is electric field controlling means which forms an alternating electric field between the cf side common electrode and a tft side common electrode..
04/17/14 20140104520	Semi-transmissive liquid crystal display device and portable terminal device A liquid crystal display accommodates a reflective portion with a concavo-convex reflecting pixel electrode for reflecting incident light from the display face side, and a transmissive portion with a transmissive pixel electrode for transmitting light output from the backlight. In a wide viewing angle region, luminance of the reflective portion is greater than the transmissive portion.
04/17/14 20140104439	Display apparatus, light emitting device, and method for controlling display apparatus A display apparatus that displays an image by causing a light emitting device to emit light includes a detection unit configured to detect flicker information that indicates a likelihood of occurrence of a flicker based on input image information, and a control unit configured to control both a light emission luminance and a duty ratio of a light emission time of the light emitting device according to the flicker information detected by the detection unit.. .
04/17/14 20140104432	Surveillance system control method and surveillance system adopting the method A method of controlling a surveillance system having a visible imaging camera for obtaining a visible image of an object and a display apparatus, includes providing a color visible image, from the visible imaging camera, to the display apparatus and generating a color background image by extracting a background area from the color visible image when a current ambient illuminance belongs to a daytime illuminance range, and replacing a background area of a black and white visible image, from the visible imaging camera, with the color background image and providing a mixed image as a result of the replacement to the display apparatus when the current illuminance belongs to the nighttime illuminance range.. .
04/17/14 20140104418	Image capturing apparatus, control method of image capturing apparatus, three-dimensional measurement apparatus, and storage medium An image capturing apparatus comprising; projection means for projecting a first or second pattern each having a bright and dark portions onto a target object as a projection pattern; and image capturing means for imaging the target object on an image sensor as a luminance distribution. The luminance distribution has a first luminance value corresponding to the bright portion and a second luminance value corresponding to the dark portion, the first and second patterns have an overlapping portion where positions of the bright or dark portion overlap, a first luminance distribution corresponding to the first pattern and a second luminance distribution corresponding to the second pattern have an intersection at which the luminance distributions have the same luminance value, and the luminance value at the intersection differs from an average value of the first and second luminance values by a predetermined value..
04/17/14 20140104371	Representative pre-selection for customer service video conference Embodiments of the invention are directed to systems, methods and computer program products for assisting a user to select a customer service representative of a financial institution in preparation for a customer service conference. Embodiments determine that an operative connection is being established between a user device of the user and a system associated with the financial institution, such that the user and the representative of the financial institution may conduct the conference; recognize the user as a customer enrolled in a representative pre-selection program; determine at least one representative from a pool of potential representatives, the at least one representative determined for presentation to the user for user selection and determined based at least in part on the user having previously conferenced with the at least one representative; and receive user input selecting one of the at least one representatives for conference connection..
04/17/14 20140104370	Representative selection for customer service conference Embodiments of the invention are directed to systems, methods and computer program products for assisting a user to select a customer service representative of a financial institution in preparation for a customer service conference. Embodiments determine that an operative connection is being established between a user device of the user and a system associated with the financial institution, such that the user and the representative of the financial institution may conduct the conference; determine at least one representative from a pool of potential representatives, the at least one representative determined for presentation to the user for user selection; and receive user input selecting one of the at least one representatives for conference connection.
04/17/14 20140104326	Organic light emitting display device and driving method thereof An organic light emitting display device includes a scan driving unit that supplies scan signals to scan lines, a data conversion unit that receives a first data signal for displaying an image and converts the first data signal to create a second data signal; a data driving unit that supplies the first data signal and the second data signal to data lines; a pixel unit including pixels positioned at intersections of the scan lines with the data lines, the pixels emitting light having a luminance corresponding to the first data signal during an image display subperiod and having a luminance corresponding to the second data signal during a compensation subperiod; and an image selection unit that transmits an image corresponding to the first data signal and blocking an image corresponding to the second data signal.. .
04/17/14 20140104323	Liquid crystal monitor device, display system, and backlight control method A parent device which is a liquid crystal monitor device serving as a reference for adjusting the backlight distributes, through communication, a backlight-setting value indicating luminance of a backlight to an child device which is a liquid crystal monitor device receiving adjustment of the backlight. A processing unit in the child device obtains a correction value from the backlight-setting value of the parent device received by a reception unit and a backlight-setting value input to an adjustment switch by the user.
04/17/14 20140104321	System of adjusting electronic displays and lighting to a circadian rhythm A software determines the settings and timing of luminance and color emitting from an electronic device display based on an individual's circadian rhythm preferences. The circadian rhythm preferences of the individual may be determined by certain inputs by the individual.
04/17/14 20140104314	Interactive guest image capture using video wall/floor/ceiling displays for selections of background scenes, and selection/distribution of customized souvenir portfolios including merged images/sound Systems and methods for creating and distributing professional quality pictorial souvenirs giving the illusion that guests of a facility were imaged at other locations, including making initial arrangements with guests, showing selections of background scene images at video displays and flashing chroma key images interspersed with frames of the scene images, taking key guest images in synch with the flashed key images, extracting guest image content from the key guest images and merging into selecting scene images, showing initial merges images for guest selection and providing souvenir portfolios that include merged images to guests or designees after making financial arrangements, including for payment to third parties for copyright content included in the souvenirs and with advertisers for promotional material included in the souvenirs.. .
04/17/14 20140104298	Method and electronic device for reducing power consumption of display A method for reducing power consumption of an electronic device. The method includes setting a luminance of a display to a minimum, and reducing a data amount sent to the display..
04/17/14 20140104296	Mobile device user interface having enhanced visual characteristics A computing device includes a user interface module operable by at least one processor to output, for display, a graphical user interface of an application, the graphical user interface including a plurality of elements, each respective element of the plurality of elements being associated with one of a plurality of application features, determine an age for a first application feature of the plurality of application features, the age being a period of time that has elapsed since the first application feature was enabled in the application, generate, based on the age, a visual characteristic that modifies at least one of a chrominance value and a luminance value associated with a first element of the plurality of elements associated with the first application feature, and output, for display, the visual characteristic.. .
04/17/14 20140103831	Brightness control of a status indicator light An apparatus and method for controlling the brightness and luminance of a light, such as an led. The embodiment may vary the brightness and luminance of the led in a variety of ways to achieve a variety of effects.
04/17/14 20140103795	Plasma display panel and phosphor A plasma display panel having a short decay time, high luminance, and high efficiency is provided. The plasma display panel includes a green phosphor layer that emits visible light when excited with vacuum ultraviolet rays.
04/17/14 20140103300	Novel heterocyclic compound and organic light-emitting device including the same Novel heterocyclic compounds that impart improved luminescence efficiency characteristics such as low voltage, high luminance and long lifetime to organic light-emitting devices are described. Synthetic methods for the subject heterocyclic compounds are described.
04/17/14 20140103109	Power management for an automated banking machine An automatic banking machine operates responsive to data read from data bearing records corresponding to authorized user or financial account data. The machine includes a card reader for reading data from user cards.
04/17/14 20140102849	Cash management system with replenishment and deposit capability An apparatus and method is disclosed for the retention of currency in the nature of coins and bills, within a transactional terminal, for replenishment of a change dispenser and future distribution in the form of change, as well as the storage in a secure safe of larger denomination bills for which credit may be applied to a financial account prier to the actual deposit of such bills at a financial institution. A system incorporating the apparatus and method may further provide for the overall management of cash receipts whereby a running balance is recorded and acted upon, for example when a change dispenser is empty, a change retention buffer is full, or the large-denomination bill vault is emptied..
04/10/14 20140101741	Method and system for mobile device based authenticationservices environment In this specification, access may be provided to secure systems by authentication using mobile devices. Users may register a mobile device and password with an authentication system.
04/10/14 20140101265	Dynamic adaption of electronic routing slips for financial messaging Embodiments of the present invention disclose a method, computer program product, and system for generating a routing slip for a message. A computer system determines an appropriate sub-flow for the message.
04/10/14 20140101139	Methods and devices for querying databases using aliasing tables on mobile devices A method for responding to natural language financial performance queries received from a user device is provided herein. The method may include: receiving a first spoken natural language request from the user device; parsing the request into words, using a processor; searching a table of natural language words and keywords to determine whether the request includes any of the words stored in the table; generating instructions for querying a database based on one or more keywords; receiving financial information responding to the query from the database; and transmitting the financial information to the user device for display in a graphic format and/or for playback of an audio..
04/10/14 20140101074	Apparatuses, methods and systems for a high density financial asset information display The disclosure details the implementation of an apparatuses, methods and systems for a high density financial asset information display. The disclosure teaches a high density financial asset information display which provides a high density, straightforward, compact, dynamic and comprehensive display interface that presents users with a high volume of easy-to-understand financial asset information including the current buy and sell prices, the current price direction, the amount of time the asset pair is traded at each price, and the change in price over multiple time frames.
04/10/14 20140101052	Mobile financial transaction system A computer system and computerized methods enable users to conduct financial transactions in a secured manner without using traditional financial instruments, such as credit cards, debit cards, prepaid cards, checks, cash, etc.. .
04/10/14 20140101046	System and method for online financial transactions Systems, methods, and articles of manufacture capable of approving financial transactions are disclosed. An on-line merchant may store consumer transaction account information.
04/10/14 20140101034	Methods and systems for prepaid mobile payment staging accounts Prepaid staging account systems and methods are described that allow issuer financial institutions to quickly and efficiently launch nfc device payment programs. In an embodiment, a staging account provider computer receives a request to provision a mobile account.
04/10/14 20140101027	Bucket rate aggregation of financial lending applications Pools of money or loanable funds are created. The pool is assigned certain attributes.
04/10/14 20140101025	Accounts with multiple pre-authorization levels A system and method of pre-configuring a financial account for later transactions is provided. The system includes an account server, which, after receiving a request to configure an account from an initiator, sends a prompt for identification verification information to the initiator.
04/10/14 20140101024	Predicting financial outcome The embodiments provide a system for predicting financial outcome of an order. The system includes a discriminant model training module configured to receive historical orders from a data source and to generate discriminant model parameters based on the historical orders, a discriminant model engine configured to receive at least one order to be analyzed and to calculate a probability for each of a plurality of outcomes for the at least one order to be analyzed based on the discriminant model parameters, and a strategy comparison module configured to calculate an expected business value for at least one strategy based on, in part, the probabilities for the plurality of outcomes to evaluate a risk associated with the at least one order..
04/10/14 20140101015	Method of carrying out a business venture This invention deals with corporations involved in new ventures, providing novel means and methods to increase the likelihood of their success. It also provides an exchanges on which corporations of these types can trade shares.
04/10/14 20140101012	Online catalogs and collaborative financial planning Disclosed are electronic systems and techniques for implementing collaborative financial planning system for online shopping. An input component can receive a set of data related to a collaborative financial goal from one or more participating users (e.g., via user identities) and/or a set of data sources.
04/10/14 20140101008	Systems and methods for providing computer-automated adjusting entries Systems, methods, and non-transitory computer-readable mediums storing computer program code implement methods for providing a computer-aided dual-date system and method for accounting. In some cases, the described systems and methods include steps of receiving a plurality of accounting transactions to a computer device, storing the plurality of accounting transactions, and utilizing the plurality of stored accounting transactions to generate a financial statement.
04/10/14 20140101007	Methods and apparatus for providing data normalization, scalability and maintainability Methods and apparatus for normalizing data, such as e.g., charts of accounts, across a plurality of entities are provided. In one embodiment, a centralized web application is accessed by an administrative user.

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