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8355965 Battery exchange service system and charging method therefor, and portable device  
There is provided a service system that allows a user to charge and repeatedly use a secondary battery and exchanges a battery pack for a charged battery pack. There is provided a battery exchange...
8352350 Method and system for predictive event budgeting based on financial data from similarly situated consumers  
Financial data associated with one or more “contributing consumers” is obtained. The financial data is then aggregated, analyzed, and/or categorized, according to one or more events and one or mor...
8352295 Insurance premium gap analysis  
A method and apparatus for determining the amount of premium, policies, or quotations needed to improve market share in various geographic locations based on user selected criteria. The method...
8352338 Architectural design for time recording application software  
Methods, systems, and apparatus, including computer program products, for implementing a software architecture design for a software application implementing time recording. The application is...
8347362 Usage control services performed in an end user device  
Systems and methods are disclosed for providing usage control of communication services within an end user device. A system in the network receives input from a controlling party defining usage...
8346666 Token based transaction authentication  
A token based transaction authentication system is disclosed. Issuer, merchants, and a payment processing network generate unique tokens or keys to authenticate messages between themselves and to...
8346946 System and method for registration of network-capable consumer electronic devices  
Manufacturer registration of consumer electronic devices includes a registration server receiving purchaser-specific information from a user computer over a network, such as the Internet. This...
8346635 Methods systems and computer program products for identifying suspect data of an electronic tax return  
Identifying suspect electronic tax data of an electronic tax return prepared using a tax preparation program. A first field of the tax return is populated with first tax data. The program selects...
8346661 Aggregation of customer transaction data  
Aggregating customer records to conduct due diligence to facilitate business transaction includes receiving a request to aggregate customer transaction records, wherein the customer transaction...
8346616 System and method for fuel price-protection  
A fuel-price protection mechanism whereby customers may pre-purchase quantity-based amounts of fuel and retrieve said fuel at any participating fuel retailer. The quantity-based amounts of fuel are...
8346645 Integrated investment management system with network datafeed and incremental database refresh  
An investment management computer system is configured to communicate with data vendors or electronic accounting systems. The system may include an electronic application server having logic for...
8341073 Customized consumer loan product search system and method  
A method and system for searching from a plurality of available, relevant loan products with associated pricing, wherein the searching is based on input consumer criteria, includes creating and...
8341074 Method and system for reducing the total interest paid on a debt  
A loan repayment system and method comprises a loan account for a purchased item, and a personal fund account used to manage discretionary money. A user deposits discretionary money periodically...
8341043 Dynamic prepayment risk management  
A system and method are disclosed for monitoring, managing and reporting credit card prepayment risk for an issuing bank. Sales data, corresponding payment data and data indicating the fulfillment...
8341046 Payment entity device reconciliation for multiple payment methods  
A method begins by storing payment request data, which, for a client, includes a payables profile and an accounts payable data file. The method continues by receiving payment remittance information...
8341042 On-demand and configurable earned value measurements reporting  
A method and system for uniformly displaying and reporting uniform project completion information, such as uniform earned value measurements (EV), of a large-scale project having a number of...
8332305 Automatic strategy grouping for a trading system  
A system for trading comprises a processor and a memory. The processor is configured to: receive an indication to automatically group a set of investment instruments; determine a set of possible...
8332277 Method, system and computer readable medium for facilitating a transaction between a customer, a merchant and an associate  
A method and system for facilitating a transaction between at least one user, at least one merchant, at least one associate is provided. The method includes the steps of the associate processing...
8332288 Interactive online spending analysis tool  
Embodiments of the present invention are directed to interactively displaying account activity. An analysis of financial transactions associated with a financial unit can be performed by a spending...
8332286 Accounting accuracy methodology  
The present invention relates to a system and method for a comprehensive account reconciliation process, which ensures a predictable level for the accuracy of the ledger account balance. The...
8332324 Product exchange system  
An exchange system for facilitating the purchase of products is described. The system is coupled, in one embodiment, to a communications link. Potential product purchasers and sellers may access...
8332297 Systems and methods for projecting future values when performing retirement planning  
Retirement planning for a person is performed. For each of each class of assets, the income, and the expenses of the person, an analysis is employed that produces a probabilistic distribution of...
8332287 Methods and apparatus for automated deposit reconciliation  
Methods and apparatus for reconciling bank transactions with stored deposit entries in a practice management system. A plurality of bank transactions received from a bank are processed to select...
8332322 Method of establishing identity validation based on an individual's ability to access multiple secure accounts  
A system and methods that enables and utilizes the conversion of an individual's ability to access multiple secure accounts to establish and validate the individual's digital primary identity. The...
8326958 Service activation tracking system  
Various embodiments are disclosed for a services policy communication system and method. In some embodiments, a communications device implements a service policy for assisting control of the...
8326708 Techniques for processing customer service transactions at customer site using mobile computing device  
Techniques are described for facilitating delivery and adjustments of customer orders at a customer delivery site. A delivery courier is assigned a mobile field computing device for facilitating...
8326711 Spending vehicles for payments  
A system and method for associating payments with spending vehicles so that an individual who is entitled to receive periodic or special payments such as social security checks receives in place of...
8326754 Method and system for processing transactions  
A system and method are provided for processing transactions between at least one buying company and at least one selling company using a central datastore accessible to users from the buying...
8326666 Event synchronized reporting in process control systems  
Methods, systems, and computer-executable instructions for event synchronized reporting in an process control system are disclosed. Events may be synchronized by a synchronization parameter, whose...
8326709 Automated audit process  
A process for increasing profits of a business engaged in the purchase of large numbers of products and/or products of volatile pricing from numerous vendors that operates to identify pricing...
8321341 Online fraud prevention using genetic algorithm solution  
Online fraud prevention including receiving a rules set to detect fraud, mapping the rules set to a data set, mapping success data to members of the rules set, filtering the members of the rules...
8321312 Method and system for organizing tax information and providing tax advice  
A method includes providing to a user a set of computer-executable instructions that, when executed by a user's electronic device, generate a user interface displayable on a display device coupled...
8321317 System and method for managing and evaluating network commodities purchasing  
One or more price metrics are generated by retrieving, from a database, one or more price data sets representing a specified time period. Each of the retrieved price data sets includes at least a...
8321308 Architectural design for manual invoicing application software  
Methods, systems, and apparatus, including computer program products, for implementing a software architecture design for a software application implementing manual invoicing. The application is...
8321310 Interactive account management system and method  
Embodiments of the invention are directed to a computer-implemented interactive account management system operated in cooperation with a financial institution on behalf of multiple account holders....
8321313 Method and process for providing relevant data, comparing proposal alternatives, and reconciling proposals, invoices, and purchase orders with actual costs in a workflow process  
The present invention provides a process and system for matching buyers and sellers of either goods or services, or goods and services for a project. The invention enables a buyer to specify a...
8321309 Method and system for streamlined payroll set up and compliant paycheck generation  
A method and system for streamlined payroll set up and compliant paycheck generation whereby a computing system implemented payroll system is provided that maintains a payroll record for each...
8321300 Method and system for distribution of user generated content  
Systems and methods for distributing user-generated content are disclosed. Specifically, embodiments of the present invention may allow content to be generated by a user at a manufacturer's site...
8315924 Method and apparatus for automating accounting with check vouchers  
One embodiment of the present invention provides a system that facilitates automated accounting. During operation, the system receives a check voucher at a system, wherein the check voucher...
8315925 Shutting down primary charge collection function (CCF) without creating incomplete sets of charging data records (DR) in primary and secondary CCFs  
A shutdown notice may indicate that a primary CCF system is expected to shutdown soon. This notice may be received by a CTF system after the CTF system delivers an ACR Start message to the primary...
8315888 Method and system for estimating unpaid claims  
An apparatus for analyzing liabilities including a claims analyzer. The claims analyzer can be configured to create a preliminary model of employment history of at least one organization, create a...
8315926 Architectural design for tax declaration application software  
Methods, systems, and apparatus, including computer program products, for implementing a software architecture design for a software application implementing tax declaration. The application is...
8315939 System and method for computer implemented collateral management  
A data processing system manages collateral risk associated with a trade of a financial instrument includes a processor and a memory that contains a database configured to store a ruleset relating...
8311908 Conversion engine and financial reporting system using the conversion engine  
A computerized management system is provided. The system includes a routine for accessing journal entries stored in a memory and an automated journal entry generating routine for generating journal...
8311938 Provider relationship management system that facilitates interaction between an individual and organizations  
A provider relationship management system (“PRM system”) is disclosed that enables an individual to manage information about and electronically interact with organizations. The PRM system pre...
8311910 Image processing apparatus, method, and storage medium  
An image processing apparatus that charges a user for executing a predetermined image process holds charging information in a storage device, charges a user for executing the predetermined image...
8311903 Methods and systems for evaluating the impact of migrating to a dynamic processing environment  
In an embodiment, a method of evaluating an impact on inventory levels of migrating from a pre-processing environment to a dynamic processing environment may include identifying a plurality of form...
8311907 System and method for detecting fraudulent transactions  
Some demonstrative embodiments of the invention include a system and method for detecting related transactions, e.g., fraudulent transactions by for example associating transactions and creating...
8311917 Methods and apparatus for collateral-based financial transactions  
Methods and apparatus for managing collateral based transactions are disclosed. In one embodiment, one or more processors perform defining collateral for a financial transaction, assessing a...
8311909 Methods and systems for case budgeting and expense reduction  
A method and system for managing legal fees and minimizing costs of an organization involves periodically receiving case budget information consisting at least in part of identification, billing...