02nd week of 2021 patent applcation highlights part 51 |
Patent application number | Title | Published |
20210012280 | SYSTEM AND METHOD FOR PROCESSING RETURNED ITEMS BASED ON RELATED INVENTORY INFORMATION - Systems and methods are provided for processing returned items based on related inventory. In some embodiments, the systems and methods process returns in order to perform some inventory management through return processing. In other embodiments, the systems and methods process returns in a manner that increases a probability that the buyer will exchange the item for another item rather than simply return the item. In some embodiments, the two objectives are combined, such that the return is processed in a manner that facilitates some inventory management, but also increases a probability that the buyer will exchange the item for another item rather than simply returning the item. | 2021-01-14 |
20210012281 | SYSTEM AND METHOD FOR MANAGING INVENTORY THROUGH RETURN LABELS - Systems and methods are provided for processing returned items based on related inventory through the use of return labels. Rather than simply return everything to the same location, current inventory is considered in choosing a location for the return, and a suitable return label is sent to the customer. This may be a physical return label, a printable return label sent electronically. Alternatively, an attachable device such as an IoT chipset is sent to the customer. | 2021-01-14 |
20210012282 | DECENTRALIZED DATA SUPPLY CHAIN PROVENANCE - Apparatus, systems, articles of manufacture, and methods are disclosed for generating a data supply chain object. An example non-transitory computer readable storage medium disclosed herein includes data which may be configured into executable instructions and, when configured and executed, cause one or more processors to at least: derive a provenance of a first data supply chain object; identify a first stakeholder from the provenance; determine if the first stakeholder is verified; utilize data associated with the data supply chain when the first stakeholder is verified; build a tag-value structure based on the utilization of the data; build a second data supply chain object based on the tag-value structure and an identity of a second stakeholder; and add the second data supply chain object to the data supply chain. | 2021-01-14 |
20210012283 | SYSTEM FOR DOCUMENTING PRODUCT USAGE BY RECOGNIZING AN ACOUSTIC SIGNATURE OF A PRODUCT - A system for documenting product usage of a product is disclosed. The system can include a memory device configured to store an acoustic signature model. The acoustic signature model can be representative of an acoustic profile of the product emitted during use of the product. The system can also include an auditory capture mechanism and a processor. The auditory capture mechanism can be configured to monitor a product use environment for a potential use sound profile and capture the potential use sound profile. The processor can be configured to analyze the captured potential use sound profile in relation to the acoustic signature model and to signal a qualifying match when the captured potential use sound profile meets the acoustic signature model. The system can be configured to document a product usage when the processor signals the qualifying match. | 2021-01-14 |
20210012284 | Hybrid Modular Storage Fetching System - A hybrid modular storage fetching system is described. In an example implementation, the system may include a warehouse execution system adapted to generate a picking schedule for picking pick-to-cart and high-density storage items, and an AGV dispatching system adapted to dispatch a cart automated guided vehicle and a modular storage fetching automated guided vehicle based on the picking schedule. The cart automated guided vehicle may be adapted autonomously transport a carton through a pick-to-cart area and to a pick-cell station. The modular storage fetching automated guided vehicle may be adapted to synchronously autonomously transport a modular storage unit containing items to be placed in the cartons from a high-density storage area to the pick-cell station. | 2021-01-14 |
20210012285 | SYSTEMS AND METHODS FOR ELECTRONICALLY ANALYZING AND NORMALIZING A SHIPPING PARAMETER BASED ON USER PREFERENCE DATA - One example of the present disclosure can include a system that can receive a first data set over a network from a first computing device, the first data set indicating user preference data and a first request for a shipping cost. The system can also receive a second data set over the network from the second computing device, the second data set indicating a first shipping cost generated by a shipping entity associated with the second computing device in response to the second request. Based on receiving the second data set, the system can determine a second shipping cost based on the user preference data and the first shipping cost. The system can then transmit the second shipping cost over the network to the first computing device, for example as part of a graphical user interface for display on the first computing device. | 2021-01-14 |
20210012286 | PACKAGE HANDLING CONTROL BASED ON CUSTOMER INPUT - An electronic control device to provide package handling assistance for a vehicle. The electronic control device stores route information which includes a plurality of destination location points to be visited in an order by the vehicle, timing information, package handling instructions for at least one of a plurality of packages. The electronic control device transmits the route information to a plurality of information processing apparatuses related to a plurality of customers. The electronic control device receives a request from an information processing apparatus. The request includes a first destination location point from the plurality of destination location points for handling a package associated with a customer related to the information processing apparatus. The electronic control device updates the order of the plurality of destination location points based on the received request and further controls the movement of the vehicle based on the updated order. | 2021-01-14 |
20210012287 | DEPOT DISPATCH PROTOCOL FOR AGGREGATING ON-DEMAND DELIVERIES - Provided are various mechanisms and processes for optimizing real-time, on-demand delivery service for perishable goods. In one aspect, a method is provided for aggregating on-demand deliveries using a depot dispatch protocol. The method comprises dispatching runners to pick up on-demand orders for drop off at a depot where the orders are aggregated and batched based on optimized delivery routes and destination proximities. Batches of orders are then assigned to couriers who may arrive at the depot to receive the batched orders without having to navigate through areas of high congestion. Such delivery routing system may be implemented alongside a delivery tracking system for generating estimated time of arrival predictive updates for real-time delivery of perishable goods. | 2021-01-14 |
20210012288 | METHOD AND SYSTEM FOR GUIDANCE OF ARTIFICIAL INTELLIGENCE AND HUMAN AGENT TEAMING - A method for generating an optimal set of parameters for a design project of a product, in which subject matter experts, working with an artificial intelligence module, select a number of fundamental measurement factors that are related to a group of fundamental prime measurements, all of which in the aggregate comprise a product profile matrix. The fundamental measurement factors are weighted and scored so that the resulting matrix reflects the various aspect of the proposed design. Through an iterative process, the fundamental measurement factors are modified until the product profile matrix provides a set of satisfactory scores that yields an acceptably low risk in proceeding with the selected design. | 2021-01-14 |
20210012289 | ONLINE CONTRACT SIGNING SYSTEM AND METHOD - An online contract signing system and method are disclosed. The online contract signing system can generate a contract document according to data input by a contract initiator and transmitting a link of a contract chatroom to terminal devices of the contract initiator and at least one invitee via their contact information. After the contract initiator and the invitee joined the contract chatroom, a document reading and discussion service is provided to all of them, and a document updating service is provided to at least one of the contract initiator and the invitee, wherein the online contract signing system allows the contract initiator to explain the content of the contract document to the invitee and when the invitee has concerns, the contract document can be updated. Once an agreement is reached, the online contract signing system provides an online signing service for everyone to sign the agreed contract document. | 2021-01-14 |
20210012290 | DIGITAL ASSISTANT FOR COMPLETION OF TIMECARDS - A method of time entry on a graphical user interface (GUI) of a computer system includes receiving via the GUI information related to an event, determining, by an electronic controller, that the event has occurred, determining, by the electronic controller, that the event relates to a name in a contact list stored in a storage device of the computer system, and arranging on the GUI a time entry interface to prompt a user to enter information related to a matter. | 2021-01-14 |
20210012291 | SYSTEM AND METHOD FOR CONTROL AND AUDIT OF CHEMICAL PRODUCTS APPLICATION MADE BY VEHICLES - The present invention relates to a system for control and audit of chemical products application made by vehicles for the agriculture, pestilence, plague, or insects control, or other chemical applications in determined areas to receive these chemical products such the agrochemical application made by manned or unmanned vehicles, being these vehicles aerial, land or watercraft with the aim of treating soil and/or seeds and/or plants characterized by the system comprises a web server running an application; a database application; an internet communication method between the application cloud environment and its end users; desktop computers running web browsers; mobile devices to access the application through the internet; and a GPS device from where GPS files are collected by a device, being the GPS embedded in a vehicle where these files are used as input data for generating the final application reports which contains all detailed information about how much and in which areas (plots) the product was applied. | 2021-01-14 |
20210012292 | USER INTERFACE FOR TIMESHEET REPORTING - Systems and methods are related to timesheet entries in a unified view. The system may include a processor that receives a selection of a task from a list of tasks, such as project tasks, scrum tasks, incidents, or problems, displayed in a first portion of a unified view. The processor generates a timesheet entry based on the task selected. The processor displays the timesheet entry in a list of timesheet entries in a second portion of the unified view. The processor receives an input that indicates an amount of time on the at least one day of the timesheet entry. The processor determines a total amount of time based on the amount of time entered on the timesheet entry on the at least one day. The processor displays the total amount of time entered in each day in a third portion of the unified view. | 2021-01-14 |
20210012293 | EVENT MANAGEMENT - Obtain rider locations for horse riders of a horse show event, the rider locations including at least a first location associated with a first horse rider, the horse show event including a plurality of venues, each of the plurality of venues being associated with at least a different first venue location. Obtain horse locations for horses associated with the horse riders, the horse locations including at least a second location associated with a first horse associated with the first horse rider. Determine a first route for the first horse rider from the first location of the first horse rider to a first venue location. Determine a second route for the first horse from the second location of the first horse to the first venue location. Provide an interface through which the first route and the second route are accessible. | 2021-01-14 |
20210012294 | ELECTRONIC SCHEDULING ASSISTANT UTILIZING CATEGORIES OF PARTICIPANTS - Methods and systems for providing electronic scheduling assistance. One system includes an electronic computing device including an electronic processor. The electronic processor is configured to retrieve a category assigned from a plurality of categories to each of a plurality of participants associated with a calendar event and retrieve a schedule associated with each of the plurality of participants associated with the calendar event. The electronic processor is also configured to aggregate the schedules of each of the plurality of participants assigned to each of the plurality of categories to create an aggregated schedule associated with each of the plurality of categories and generate and output a user interface for display on a display device, the user interface including the aggregated schedule of each of the plurality of categories in separate regions of the user interface. | 2021-01-14 |
20210012295 | Network-Based Certificiate Provisioning - Adequacy of a given repair of a given apparatus by a given entity at a given facility is remotely certified via an intervening communications network. By one approach, these teachings provide for determining a plurality of repair evaluation parameters, determining repair details for a particular repair of a given apparatus, and then comparing the foregoing against the latter to determine whether the repair details suitably accord with the repair evaluation parameters. When such is the case, these teachings provide for certifying the particular repair of the given apparatus as meeting certification standards. | 2021-01-14 |
20210012296 | Network Extended Support System - Apparatus and methods for tracking and maintaining geographically separated electrical equipment. An identifier attached to a piece of equipment allows each piece of equipment to be identified and tracked. The identifier is scanned or otherwise input into a reader where a data record is created or updated with the equipment's specific information. A mobile device with a scanner and display allows the equipment to be tracked as it moves between locations and when it is installed or maintained a final, installed destination. The method includes the steps of receiving, storing, deploying, and maintaining piece of equipment while maintaining a data record of the equipment's status. Maintenance records and data provide information on root causes for maintenance, including causes related to specific individuals associated with such equipment and causes related to specific types, models, and/or manufacturers of equipment. | 2021-01-14 |
20210012297 | SYSTEM AND METHOD FOR PROMPTING VEHICLE SERVICE BASED ON PROXIMITY AND WAIT TIME - A system for prompting vehicle service includes: a processor; a memory module communicatively coupled to the processor and including one or more processor-readable instructions that, when executed by the processor, cause the system to: determine a vehicle location; determine one or more maintenance tasks required by the vehicle; identify a maintenance facility capable of performing the one or more maintenance tasks; determine a location of the maintenance facility capable of performing the one or more maintenance tasks; determine a wait time to perform the one or more maintenance tasks at the maintenance facility; and output a maintenance scheduling prompt based on: a comparison between the wait time and a wait time threshold, and a second comparison between: (i) a magnitude of a distance between the vehicle and the maintenance facility; and (ii) a distance threshold. | 2021-01-14 |
20210012298 | SYSTEM AND METHOD FOR PAYMENT PLATFORM SELF-CERTIFICATION FOR PROCESSING FINANCIAL TRANSACTIONS WITH PAYMENT NETWORKS - Payment platforms such as point of sale terminals can send test transactions to an acquirer processor certification and analytics system for certification of the payment platform's readiness to perform financial transaction processing with payment networks. A payment platform sends a test transaction to an acquirer processor and receives a unique request identifier. The request identifier and a test identifier associated with the test transaction are sent to an analytics engine that retrieves data associated with the test transaction from the acquirer processor, and expected values based on the test identifier. The analytics engine performs a comparison and determines a certification result for the payment platform based on the comparison. Based on certification results, authorization or licenses can be granted to payment platforms to use payment networks of the acquirer processor. | 2021-01-14 |
20210012299 | System and Method of Paying off Debt through a Lottery - A method of paying off debt through a lottery provides a chance for individuals to reduce a significant amount of debt or all debt. The method includes at least one remote server and a user personal computing (PC) device. A plurality of user accounts and a plurality of virtual lotteries are managed by the remote server. The method begins by enabling each user account to navigate through a lottery debt type and a lottery debt tier with a user PC device. Each user account is then prompted to purchase at least one ticket for at least one desired lottery with the user PC device. The ticket is relayed from the user PC device to the remote server. A winner for each virtual lottery is randomly selected with the remote server. A winning amount for the desired lottery is financially transferred to the debtor information of the winning user account. | 2021-01-14 |
20210012300 | INFORMATION PROCESSING SYSTEM, INFORMATION PROCESSING METHOD, AND STORAGE MEDIUM - Provided is an information processing system including: a detection means for, based on a shape of an object carried in by a customer, detecting a carrying-in form of a product to be purchased by the customer; and a notification information generation means for generating notification information used for providing a notification in accordance with the carrying-in form to the customer. | 2021-01-14 |
20210012301 | USB DATA CARD AND METHOD OF USING SAME - A card for distributing media including any one or all of music, videos and movies said card include a main card body formed of two covers that snap or nestle together about its perimeter. One or more chips are nestled internally within the main card body and are configured to transmit information. A USB male connector is configured to pivot relative to the main card body so as to operate between a retracted position and an extended position. The USB male connector is coupled to a dongle configured to pivot about an axis relative to the main card body. The USB male connector includes executable instructions to communicate with a remote third party notifying the time and location of access to stored information. | 2021-01-14 |
20210012302 | SYSTEM AND METHOD FOR CONSTRUCTING MOBILE ELECTRIC ENERGY INTERCONNECTION, DATA TESTING METHOD AND DEVICE - Provided is a system for constructing mobile electric energy interconnection. The system includes at least one mobile electric energy exchange device, a mobile electric energy interconnection management platform and at least one stationary electric energy interconnection device. The mobile electric energy interconnection management platform is configured to match the at least one mobile electric energy exchange device with the at least one stationary electric energy interconnection device, and push a matching result to the at least one mobile electric energy exchange device and the at least one stationary electric energy interconnection device. Also provided is a method for constructing mobile electric energy interconnection, a data testing method and device, and a computer readable storage medium. | 2021-01-14 |
20210012303 | SYSTEMS AND METHODS FOR PERFORMING TRANSACTIONS USING ACTIVE AUTHENTICATION - A system and method for performing a transaction at a point of sale (“POS”) device includes a user device providing data indicative of a financial transaction. The data includes parameters that define the financial transaction, for example merchant name or type, transaction amount, etc. The financial institution creates an active authentication key for use in the financial transaction. Upon receiving a transaction request from the point of sale device, the financial institution can analyze the active authentication key and the parameters to determine if the transaction request should be approved. | 2021-01-14 |
20210012304 | INFORMATION PROCESSING APPARATUS, INFORMATION PROCESSING METHOD, STORAGE MEDIUM OF PROGRAM, AND STORAGE MEDIUM OF MOBILE TERMINAL PROGRAM - An information processing apparatus according to one example embodiment of the present invention includes a shop terminal that performs a checkout process of a product or a service; a customer terminal that performs information display and operation input that are related to the checkout process; and a control unit that causes a mobile terminal possessed by a customer to perform the information display and the operation input. | 2021-01-14 |
20210012305 | SETTLEMENT SYSTEM, SETTLEMENT METHOD, AND NON-TRANSITORY STORAGE MEDIUM - There is provided a settlement system ( | 2021-01-14 |
20210012306 | Rules Engine For Communication Round Trips Optimization Of Kernel-In-Cloud Payment Transaction - A thin client may be utilized to facilitate data exchanges between two devices (e.g., a remote computer and a portable device). In some embodiments, the two devices may utilize differing communications protocols. The thin client may further be configured with a rules engine that determines one or more actions to be performed in response to one or more stimuli. The thin client may manage the processing flow between the two devices according to one or more predefined rules that are interpretable by the rules engine. The rules may be pushed to the thin client via any suitable device enabling the functionality of the thin client to be configured and/or modified without having to update the hardware and/or software of the thin client. | 2021-01-14 |
20210012307 | REGISTER SYSTEM AND CONTROL METHOD THEREOF - According to one embodiment, a register system includes a main body, a first touch panel on a first side of the main body, a second touch panel on a second side of the main body that is on an opposite side of the main body with respect to the first side, a change machine on the second side of the main body, and a control circuit to configured to display a first user interface on the first touch panel and a second user interface on the second touch panel. The control circuit including a change machine interface through which the control circuit transmits to the change machine a single instruction containing a change amount to dispense in response to more than one confirmation input being made through the first user interface. | 2021-01-14 |
20210012308 | INFORMATION PROCESSING SYSTEM, INFORMATION PROCESSING METHOD, AND STORAGE MEDIUM - Provided is an information processing system including: a detection means for detecting a position of a customer, a product, or a carrier used for carrying the product; an acquisition means for acquiring identification information from the product; a determination means for determining whether or not a position detected by the detection means is a position that enables acquisition of the identification information; and a notification information generation means for, when it is determined that the position detected by the detection means is not a position that enables acquisition of the identification information, generating notification information used for providing a notification to the customer. | 2021-01-14 |
20210012309 | METHOD, APPARATUS AND SYSTEM FOR PROCRSSING PAYMENT REQUEST FOR VIRTUAL COMMODITIES ON OPEN NETWORK PLATFORM - A method, apparatus and system for processing a payment request for a virtual commodity on an open network platform are provided. The method includes: receiving a payment request that is sent by a third-party application server according to a request from a terminal, the payment request carrying at least an account identifier; deducting a charge from an account corresponding to the account identifier according to a payment attribute corresponding to the account identifier; and sending a charge deduction result corresponding to the account to the terminal via the third-party application server. According to the present method, usage rate of network and system resources is improved. | 2021-01-14 |
20210012310 | SYSTEMS AND METHODS FOR ASSESSING ELECTRONIC PAYMENT READINESS - A computer-implemented method for extracting data related to various geographically specific dimensions, determining weight dimensions for those dimensions, and generating a general readiness index that may indicate a level of electronic payment readiness for a geographical region. The method may include, in some embodiments, determining a recommended course of action associated with the geographical area. | 2021-01-14 |
20210012311 | POST-PURCHASE CREDIT OFFER AND TENDER SWITCH - Disclosed embodiments may provide a framework to implement post-purchase tender switches. For example, following a transaction made with a particular payment instrument, a customer may be offered the ability to apply for a preferred payment instrument and/or to switch his or her tender type to the preferred payment instrument for the previous transaction. | 2021-01-14 |
20210012312 | PROVIDING REAL-TIME REPLACEMENT CREDIT ACCOUNT INFORMATION TO A CUSTOMER WHEN AN EXISTING PHYSICAL CARD ASSOCIATED WITH THE CREDIT ACCOUNT IS COMPROMISED - A system and method for providing real-time replacement credit account information to a customer when existing credit account information is compromised. The method receives a report of the compromised credit account information for a customer's existing credit account. The compromised credit account information for the existing credit account is canceled. Replacement credit account information for the existing credit account is generated. At least a portion of the replacement credit account information is provided to the customer, such that the customer can continue to utilize the existing credit account without interruption. | 2021-01-14 |
20210012313 | Methods, System and Associated Computer Executable Code for Facilitating Credit Transactions - Disclosed is a system and method for Facilitating Credit Transactions, which may allow for the division of a given purchase or cash-withdrawal transaction amount, into periodical installments by enabling the financing of said transaction. | 2021-01-14 |
20210012314 | SYSTEM AND METHOD FOR AGGREGATING GROUP MERCHANT TRANSACTIONS - Disclosed are various embodiments of methods, systems, and mobile application programs for multi-member group payment aggregation and settlement with a mobile computing device equipped with a mobile payment application. The aggregation engine enables the mobile payment application to aggregate the various members into a group and processes the financial contributions of the various group members into an aggregated fund. The transaction engine enables the aggregated multi-member group to transact a variety of payment transactions. Together the engines enable the multi-member group to conduct a variety of management, statistical, and processing of the aggregated funds. | 2021-01-14 |
20210012315 | SECURE PAYMENT METHOD AND SYSTEM - Representative embodiments of a server-based method of facilitating payment by a user registered with the server include, at the server, generating and storing, for the user, a code readable by a merchant device, transmitting the code to a mobile device of the user, facilitating provision of information characterizing a payment instrument from the user to a payment-processing entity without storing the data at the server, receiving, from the payment-processing entity, a token indicative of the payment instrument but not encoding data that would enable use of the instrument, associating the token with the user, receiving, from a merchant, the code and a payment amount, matching the received code to the user and retrieving the token associated with the user, and providing the token and the payment amount to the payment-processing entity to facilitate completion of a transaction between the user and the merchant. | 2021-01-14 |
20210012316 | Methods and Systems for Contactless Transmission of Transactional Information - Embodiments described herein disclose a mobile device system for displaying contactless payment options to a user of a mobile device. A location of the device may be detected. The location may be transmitted to a payment services provider, and information indicating that the location corresponds to a merchant having contactless payment options may be received. In response, graphical depictions of payment options associated with a plurality of payment sources are displayed on a touch-sensitive display of the mobile device. A selection of one of the graphical depictions is received, and in response, one or more transceivers of the mobile device, such as one or more NFC transceivers, may be activated. The activation may cause the transceivers to transmit a personal account number to a point-of-sale terminal. Thus, the user is presented with contactless payment options based on a geographical location, and may be presented with a suggested payment source. | 2021-01-14 |
20210012317 | MODULATING MOBILE-DEVICE DISPLAYS BASED ON AMBIENT SIGNALS TO REDUCE THE LIKELIHOOD OF FRAUD - Provided is a process of classifying ambient signals to reduce fraudulent use of information, the process including: receiving, with the mobile computing device, from a remote server, balance-access information by which a stored value card balance can be spent at a point of sale terminal; storing, with the mobile computing device, the balance-access information; sensing, with one or more sensors of a mobile computing device, ambient signals; classifying the ambient signals as indicating the user is in a retail establishment; and in response to the classification, displaying, on a display screen of the mobile computing device, the balance-access information, such that the balance-access information can be input to a point-of-sale terminal. | 2021-01-14 |
20210012318 | DEVICE FOR LAUNCHING MULTIPLE PEER TO PEER CASHLESS PAYMENT APPLICATIONS ON MOBILE DEVICES - A device includes one or more NFC chips that are preprogrammed to provide a payee's identification and information for launching any of several P2P cashless payment applications to which the payee is subscribed, to a mobile phone of a payor. When a mobile device of a payor is brought to the vicinity of an NFC chip of the device, the mobile device launches a corresponding P2P cashless payment application. The P2P cashless payment application shows the payee's information and the payor may proceed to make a payment to the payee. The device may include an NFC chip that is preprogrammed to provide the payee's identification and the information for launching a single application on the mobile device of the payor to display the P2P cashless payment applications to which the payee is subscribed. The payor may then proceed to make a payment to the payee using the payor's mobile device. | 2021-01-14 |
20210012319 | Battery-less active and passive hybrid device for secure wireless payment and method thereof - A battery-less active and passive hybrid device for secure wireless payment comprising a secure element adapted for storing at least one secure payment applet and at least one token for secure contactless payment and operatively connected with an active operation unit and a passive operation unit; wherein the hybrid device is configured to be switchable between an active state in which the active operation unit is activated wirelessly on demand to enable the hybrid device to function as an active device and adapted for provisioning a personalization information of a payment card and/or a payment token of the device to the secure element; and a passive state in which the active operation unit is deactivated and the passive operation unit is activated to enable the hybrid device to function as a passive device and adapted for conducting payment token verification and/or contactless payment transaction operation via the secure element | 2021-01-14 |
20210012320 | Data Processing Method Based on NFC Label, System and Server Thereof - The invention relates to a data processing method based on NFC tag. The method comprises: reading the NFC tag, the NFC tag comprising tag content and tag ID; generating an NFC tag payment request based on the tag content and tag ID; parsing the NFC tag payment request and obtaining an parsing reply to the NFC tag payment request; generating an order generation request based on the parsing reply, wherein the order generation request is for causing an order to be generated based on first account information, current transaction information and second account information; generating the order based on the order generation request; and payment step for performing payment based on the order. According to embodiments of the invention, the payment process can be simplified, also, there is no need to set the NFC-specific reading device in the embodiments of the invention, and the cost of merchants can be reduced. | 2021-01-14 |
20210012321 | ENHANCED PAYMENT PROCESSING - Enhanced payment processing enables a card payment on the buyer side to end up as a bank transfer to the supplier. An enhanced payment processing service can receive a request from a first party to make a payment to a second party. The request can include one or more transactions, each transaction comprising at least a second party identifier and an amount of the payment. In response to receiving the request, the service can obtain VCN information for each transaction; and, for each transaction, communicate the VCN information and a request for an enhanced payment processing transfer to an enhanced payment processing bank. The request for the enhanced payment processing transfer comprises the second party identifier and amount of the payment; and is a request for an electronic payment transfer from the enhanced payment processing bank to a financial institution associated with the second party identifier according to a processing result of the VCN information. | 2021-01-14 |
20210012322 | SYSTEMS, METHODS AND COMPUTER PROGRAM PRODUCTS FOR MOBILE DEVICE BASED PAYMENT TRANSACTIONS THROUGH NEAR FIELD COMMUNICATION WITH A CONTACTLESS PAYMENT CARD - The invention provides methods, systems and computer program products for implementing a contactless payment card based payment transaction. The invention may in an embodiment be implemented by (i) establishing a contactless communication protocol based data channel with a contactless payment card through a processor implemented contactless communication enabled device, (ii) receiving payment card information from the contactless payment card over the contactless communication protocol based data channel, (iii) transmitting to a kernel server, a payment transaction request for onward transmission to an issuer server associated with the contactless payment card, the payment transaction request identifying a payment amount, a payee account, and payment account associated with the contactless payment card, (iv) receiving from the kernel server, a validation cryptogram, request wherein the validation cryptogram request has been generated by the issuer server transmitting the validation cryptogram to the kernel server, for onward transmission to the issuer server. | 2021-01-14 |
20210012323 | SYSTEM AND METHOD ENABLING MOBILE NEAR-FIELD COMMUNICATION TO UPDATE DISPLAY ON A PAYMENT CARD - Disclosed are a system and methods enabling updating of a card number of a payment card and thereby reissuing the payment card utilizing a reissue application associated with the payment card. The reissue application, when executed communicates with a service provider that manages the payment card. The payment card includes processing circuity and a rewriteable visual display. Using cryptographic techniques, the reissue application and payment card are authenticated to the service provider. Upon verification, an updated card number is obtained and provided via near-field communication to the payment card. In response to the update payment card number received from the reissue application, the rewriteable visual display on the payment card is updated with the updated card number. Other information may also be presented on the rewriteable visual display of the payment card based on user preferences. | 2021-01-14 |
20210012324 | SYSTEM AND METHOD ENABLING MOBILE NEAR-FIELD COMMUNICATION TO UPDATE DISPLAY ON A PAYMENT CARD - Disclosed are a system and methods enabling updating of a card number of a payment card and thereby reissuing the payment card utilizing a reissue application associated with the payment card. The reissue application, when executed communicates with a service provider that manages the payment card. The payment card includes processing circuitry and a rewriteable visual display. Using cryptographic techniques, the reissue application and payment card are authenticated to the service provider. Upon verification, an updated card number is obtained and provided via near-field communication to the payment card. In response to the update payment card number received from the reissue application, the rewriteable visual display on the payment card is updated with the updated card number. Other information may also be presented on the rewriteable visual display of the payment card based on user preferences. | 2021-01-14 |
20210012325 | DIGITAL CURRENCY TRANSFER - Digital currency transfer is facilitated by a process that includes receiving an indication of a type and amount of digital currency to be transferred to a recipient as part of a digital currency transfer, and a specified public key of the recipient. The public key identifies a digital permanent wallet of the recipient's account. The process creates and stores a digital temporary wallet to temporarily hold the digital currency. This creates a transaction key uniquely identifying the digital currency transfer, and associates with the digital temporary wallet the transaction key and the public key. The process transfers the digital currency from the digital permanent wallet of the sender to the digital temporary wallet, and sends temporary wallet information of the digital temporary wallet, including the transaction key, for embodiment in a physical wallet to hold the digital currency and to be printed and transferred to the recipient. | 2021-01-14 |
20210012326 | SYSTEM, METHOD AND PROGRAM PRODUCT FOR PROCESSING HEALTH INSURANCE CLAIMS AND TARGETED ADVERTISEMENT-BASED HEALTHCARE MANAGEMENT USING CRYPTOCURRENCY - A system, program code, and method steps including connecting to a network; registering as a member node of the network; determining a hash of a public key broadcasted on the network; based on the determining step, matching the public key with an address of a wallet stored on the member node, the wallet comprises at least one of a mobile phone-based wallet, a desktop-based wallet, a hardware-based wallets, a crystal-based wallets; based on the matching step, decrypting the public key; comparing the decrypted public key to a private key stored in the wallet; and based on the comparing step, sending a predetermined amount of cryptocurrency to a sender of the public key. | 2021-01-14 |
20210012327 | SYSTEM AND PLATFORM FOR VIRTUAL RESOURCE MANAGEMENT - Embodiments of the present invention provide a system and platform for virtual resource management. The system may receive, from a user, an amount of resources in a medium of exchange that is foreign to the user. The system stores the received resources and associates them with a virtual account without converting or exchanging the resources for a local medium of exchange. The system then monitors information associated with the user to determine when a triggering event associated with the received resources is occurring or has occurred. In response to determining that the triggering event is occurring or has occurred, the system automatically executes a triggering action associated with the received resources. | 2021-01-14 |
20210012328 | PROVIDING ACCESS TO A NETWORKED APPLICATION WITHOUT AUTHENTICATION - A method and apparatus are herein disclosed for allowing suppliers to generate an invoice from a purchase order without requiring them to log in or pre-register with a networked application. Implementation is provided by having a first user provide a first document to a networked application. An electronic notification is dispatched to a receiver for the first document with a unique link to a data entry page within the networked application. The data entry page is sandboxed with limited functionality within the networked application, but accepts data from the receiver to be sent directly into the first user's system. | 2021-01-14 |
20210012329 | PRIVACY PROTECTED CONSUMERS IDENTITY FOR CENTRALIZED P2P NETWORK SERVICES - A method of communicating a payment request from a first payment platform to a second payment platform is disclosed. The method may receive a payment request from a sending user on the first payment platform to a receiving user on the second payment platform where the payment request from the sending user is translated into a protected payment request. In response to the sending user being known, the protected payment request may be communicated to the second payment platform. An acceptance of the protected payment request from the second payment platform may be received. A transaction settlement request may be communicated to the first payment platform and the second payment platform. | 2021-01-14 |
20210012330 | Service Machine - This document describes a system and method for activating a service machine. The system and method enables a previous customer of goods or services to provide evidence of a previous purchase and be granted access to use the service machine based on the previous purchase. A network based system is described where verification may be performed remotely. Stand-alone mechanisms are also presented where verification can be performed through more direct interactions with the service machine. | 2021-01-14 |
20210012331 | METHOD AND SYSTEM FOR SECURE AND VERIFIABLE OFFLINE BLOCKCHAIN TRANSACTIONS - A method for performing secure, verifiable, offline blockchain transactions through a trusted execution environment and time-limited credentials includes: storing, in a trusted execution environment of a computing device, a cryptographic key pair comprised of a public key and a private key; transmitting, by a transmitter of the computing device, the public key to a gateway device in a blockchain network; receiving, by a receiver of the computing device, a time-limited credential from the gateway device; generating, by a processing device of the computing device, a blockchain data value, wherein the blockchain data value includes at least the time-limited credential, a transaction amount, and a destination address; digitally signing, by the trusted execution environment of the computing device, the generated blockchain data value using the private key; and transmitting, by the transmitter of the computing device, the signed blockchain data value to an external device. | 2021-01-14 |
20210012332 | AUTONOMOUS EXCHANGE VIA ENTRUSTED LEDGER DIGITAL SIGNATURE - A digital signature creates an immutable and permanent record of a signature that is used to authorize a transaction, contract, smart contract or other notable event in a digital realm. A record of a digital signature is kept in the blockchain as a record of the signatory event that occurred. Digital signatures that are both authenticated and verifiable enable trust in decentralized networking environments like blockchains where the nodes powering the network are owned and operated by individuals that are not associated and may not know of, or about each other. | 2021-01-14 |
20210012333 | IMPROVED PAYMENT AUTHENTICATION SYSTEM FOR ELECTRONIC COMMERCE TRANSACTIONS - A payment managing system and method for enhancing the security of electronic user payment data can include employing a two factor authentication and keeping e-commerce host system outside the PCI scope. The two-factor authentication can include using a session ID and a one-time token (OTT). The session ID can identify a payment session that is initiated upon initiation of an e-commerce transaction. The payment managing system can provide a computing device initiating the transaction an iFrame to handle input user input data on an information resource. The OTT can be used to tokenize the user input data. The OTT can be included in payment authorization requests sent to the payment managing system. The payment managing system can obtain payment authorization without the user payment data being shared with e-commerce host systems. | 2021-01-14 |
20210012334 | PAYMENT AUTHENTICATION SYSTEM FOR ELECTRONIC COMMERCE TRANSACTIONS - A payment managing system and method for enhancing the security of electronic user payment data can include employing a two factor authentication and keeping e-commerce host system outside the PCI scope. The two-factor authentication can include using a session ID and a one-time token (OTT). The session ID can identify a payment session that is initiated upon initiation of an e-commerce transaction. The payment managing system can provide a computing device initiating the transaction an iFrame to handle input user input data on an information resource. The OTT can be used to tokenize the user input data. The OTT can be included in payment authorization requests sent to the payment managing system. The payment managing system can obtain payment authorization without the user payment data being shared with e-commerce host systems. | 2021-01-14 |
20210012335 | METHODS FOR BUILDING ASSETS BLOCKCHAIN FOR ASSET BACKED DIGITIZATION AND SECURITIZATION OF REAL ESTATE PROSPECTIVE EARNINGS ASSETS - A method for using blockchain technology to ensure the authenticity of real estate prospective earnings assets includes packing the assets to form a digital asset package that meets certain conditions. The asset package, also referred to as an asset-backed security, may be exchanged based on the up-to-date condition of the asset package. The methods ensure the authenticity of transactions so that the data cannot be tampered with. The methods can open the door of financing from public offering markets to small and medium-sized enterprises and help these enterprises to use asset-backed securitization to solve their financing issues. The methods can also be used to create the assets for digitization and upload on the blockchain. Credit verification of assets may include various steps and the verification data may be stored in blocks and put on the blockchain. The methods can also support an ongoing flow of dynamic information about the asset. | 2021-01-14 |
20210012336 | SHARED BLOCKCHAIN DATA STORAGE - A method includes sending, by a consensus node of a blockchain network, current state information and one or more transactions associated with a current block of a blockchain to one or more shared storage nodes of the blockchain network, wherein the consensus node stores block header associated with every block of the blockchain and the current state information, the one or more shared storage nodes store block body and historic state information associated with every block of the blockchain, and wherein the historic state information is stored as key-value pairs (KVPs) of a historic state tree with values being account states of accounts associated with the blockchain network and keys being hash values of the corresponding account states; verifying that the one or more transactions are stored by the one or more shared storage nodes; and receiving a notification of a transaction associated with the consensus node. | 2021-01-14 |
20210012337 | MERCHANT-LEVEL BLOCKING MECHANISM - Payment instruments used on behalf of a sponsor may be restricted from use at certain locations. The sponsor may indicate that use of the payment instrument at either specific merchants or certain categories of merchants is not in accordance with the sponsor's goals or values. A system evaluates every transaction request to determine if the personal account number of the payment instrument is associated with the sponsor. If so, the transaction may be further screened to determine if the transaction is from a location to be blocked, in which case a flag may be added to the transaction indicating it is from blocked location. An issuer of the payment instrument may then determine whether to approve or deny the transaction. A tool may generate a dataset of locations and/or merchant categories for use in identifying blocked locations. | 2021-01-14 |
20210012338 | BLOCKCHAIN TRANSACTION RECONCILIATION METHOD AND APPARATUS, AND ELECTRONIC DEVICE - A blockchain transaction record that is selected from a blockchain account book associated with a blockchain and satisfies a specified condition is obtained by a blockchain member. The blockchain transaction record is compared with an off-chain transaction record maintained by the blockchain member to obtain a comparison value indicating whether the off-chain transaction record is consistent with the blockchain transaction record. If the comparison value indicates that the off-chain transaction record is inconsistent with the blockchain transaction record, the off-chain transaction record is modified based on the blockchain transaction record to make the off-chain transaction record consistent with the blockchain transaction record. | 2021-01-14 |
20210012339 | TECHNIQUES TO ELECTRONICALLY SHARE TRANSACTION CARD INFORMATION - Various embodiments are generally directed to techniques share transaction card information with another device. More specifically, embodiments discussed here include sharing transaction card information from one device to another device, such as a mobile phone or transaction card, such that a user of the other device may perform one or more authorized transactions. | 2021-01-14 |
20210012340 | TRUSTED PAIR AUTHENTICATION WITH EDGE-COMPUTING DEVICES - Apparatus and methods are provided for executing a rules-based authentication of an electronic transaction. The method may include receiving first and second payment authorization parameters and second payment authorization parameters. The method may also include receiving from a Point of Sale device a request for payment information and a purchase amount. The method may also include, determining if first or second parameters are satisfied. The first parameters may include a first time range, a pairing of the electronic device to a first apparatus, a first geolocation of the electronic device, and a first maximum transaction value. The second parameters may include a second time range, a pairing of the electronic device to a second apparatus, a second geolocation of the electronic device, and a second maximum transaction value, wherein the second time range does not include the first time range. | 2021-01-14 |
20210012341 | METHOD AND SYSTEM FOR BLOCKING AND UNBLOCKING MERCHANTS FOR FUTURE TRANSACTIONS - A method for establishing account controls for a transaction account through specially configured personal identification numbers includes: storing, in an account profile, an account identifier, standard personal identification number (PIN), and blocking PIN; receiving a first authorization request for a first payment transaction including the account identifier, a merchant identifier, and the blocking PIN; inserting the merchant identifier into the account profile; receiving a second authorization request for a second payment transaction including the account identifier and the merchant identifier; and transmitting an authorization response in response to the second authorization request including a response code indicating decline of the second payment transaction. | 2021-01-14 |
20210012342 | SYSTEMS AND METHODS FOR LOCATION-BASED MOBILE PAYMENTS - Systems and methods for in location-based mobile payments are disclosed. According to one embodiment, in an information processing apparatus comprising at least one computer processor, a method for location-based mobile payments may include: (1) receiving, from a first computer program executed by a first electronic device for a first party, a request to conduct a location-based transaction; (2) receiving, from the first computer program, a location of the first electronic device; (3) identifying a potential counterparty based on a location of a second electronic device associated with the potential counterparty; (4) communicating an image of the potential counterparty to the first computer program; (5) receiving a selection of the potential counterparty from the first computer program; and (6) conducting the location-based transaction between the party and the potential counterparty. | 2021-01-14 |
20210012343 | SYSTEMS AND METHODS FOR USE IN FACILITATING NETWORK INTERACTIONS - Systems and methods are provided for facilitating network transactions. One exemplary computer-implemented method includes compiling a list of accounts for a user and, for each of the accounts, appending a network scheme identifier to either the account or a profile for the user in association with the account, where the network scheme identifier is indicative of a network to which the account is associated. The method also includes receiving a selection of one of the accounts from the list of accounts in connection with a checkout and identifying the network associated with the selected account based on the network scheme identifier for the selected account. The method then includes transmitting at least one message associated with the checkout to a software development kit (SDK) and/or an application programming interface (API) of the identified network, thereby allowing the identified network to process a network transaction in connection with the checkout. | 2021-01-14 |
20210012344 | Signature System for Verifying a Signature, and Corresponding Signature Method - A signature system for verifying a signature, includes a writing device which is equipped with identification devices for determining identification data which are linked to the identity of an user of the writing instrument, and code generating devices for generating an identification code from the identification data and from further data, the writing device further including display devices for displaying the identification code; as well as a corresponding signature method. | 2021-01-14 |
20210012345 | METHOD AND SYSTEM FOR DETERMINING FRAUD IN A CARD-NOT-PRESENT TRANSACTION - A computer system for fraud detection associated with a card-not-present payment card system is provided. The system includes a network host site and an interchange network including a processor communicatively coupled to a memory device for storing data and to the network host site wherein the processor is programmed to receive a card transaction authorization request message from a merchant, route the card transaction authorization request to the network host site to perform CNP fraud risk scoring, and based on the criteria of the card transaction authorization request, call at least one of a plurality of fraud scoring models defined for criteria of the transaction authorization request. The processor is further programmed to calculate the fraud risk score based on the current transaction authorization request data and an updated card account profile, and transmit the message to an issuer of the payment card for approval of the request. | 2021-01-14 |
20210012346 | RELATION-BASED SYSTEMS AND METHODS FOR FRAUD DETECTION AND EVALUATION - A method for detecting fraud is provided in which a graph database of transaction relationships is constructed using transaction information for a plurality of transactions. Using the graph database, a plurality of account holder identifiers are associated into an account holder group. When transaction information for a new transaction associated with a transaction account holder identifier is received, a determination is made as to whether the transaction account holder identifier is in the account holder group. Responsive to a determination that the transaction account holder identifier is included in the account holder group, the new transaction information is compared to the transaction information for the account holder group and a fraud factor is determined for the new transaction. The fraud factor is indicative of a degree of similarity to the transaction information of the account holder group. | 2021-01-14 |
20210012347 | SYSTEMS AND METHODS FOR MITIGATING FRAUDULENT TRANSACTIONS - Disclosed are systems and methods for mitigation of fraudulent transactions. In some embodiments, a server is communicatively coupled to a user device, and is configured to receive a proposed transaction from a merchant device communicatively coupled to the server, apply a dynamic classification algorithm to the proposed transaction to determine if the proposed transactions appears to be fraudulent, generate a user verification request when the proposed transaction appears to be fraudulent, transmit the user verification request to a user computing device communicatively coupled to the server, receive an approval or a refusal of the proposed transaction based on the user verification request, and process the proposed transaction based on the received approval or refusal of the proposed transaction. | 2021-01-14 |
20210012348 | SMART PHYSICAL PAYMENT CARDS - One or more embodiments include obtaining information from a physical payment card. Based on the information from the physical payment card, an output is obtained that includes a valid account number corresponding to the physical payment card. The valid account number is displayed to the cardholder. The physical payment card does not contain a visual indication of the valid account number and thus cannot be used by a malicious entity. One or more embodiments may include a physical payment card. The physical payment card includes a fake account number that cannot be used for executing a transaction based on funds associated with the physical payment card. They physical payment card may also include a key that can be mapped to a valid account number that can be used for executing a transaction based on funds associated with the physical payment card. | 2021-01-14 |
20210012349 | 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 set, and ordering members of the data set by giving priority to those members of the data set with a greater probability for being fraudulent based upon the success data of each member of the rule set in detecting fraud. Further, a receiver coupled to an application server to receive a rules set to detect fraud, and a server coupled to the application server, to map the rules set to a data set, and to map the success data to each members of the rules set. The server is used to order the various members of the data set by giving priority to those members of the data set with a greatest probability for being fraudulent. | 2021-01-14 |
20210012350 | ELECTRONIC APPROVAL SYSTEM AND METHOD AND PROGRAM USING BIOMETRIC AUTHENTICATION - The present invention relates to an electronic approval method using biometric authentication, comprising: a biometric certificate storage step in which biometric certificates issued, encrypted and hashed by a biometric authentication server are stored and activated in biometric recognition modules of a manager and approvers; an approver list registration step in which the manager logs in to an approval server and then an approver list is registered in the approval server; an approver's approval step in which for the approval of each of the approvers to the approval server, biometric information of the approvers is input into the biometric recognition modules, the biometric certificate is transmitted to the biometric authentication server accordingly, the biometric certificate is hashed to be verified whether original or not and is decrypted to be verified by the content, and then a biometric authentication result is transmitted to the approval server; an approver's approval server log-in step in which for the log-in of each of the approvers to the approval server, biometric information of the approvers is input into the biometric recognition modules, the biometric certificate is transmitted to the biometric authentication server accordingly, the biometric certificate is hashed to be verified whether original or not and is decrypted to be verified by the content, and then a biometric authentication result is transmitted to the approval server; and an approval completion step in which the approval is completed by the approvals of all the approvers in the approver list. | 2021-01-14 |
20210012351 | BIOMETRIC FEATURE DATABASE ESTABLISHING METHOD AND APPARATUS - A usage frequency attribute is determined for each biometric feature in a biometric feature database. The usage frequency attribute indicates a matching success frequency of matching the biometric feature to a user having the biometric feature. The biometric features of the user are sorted in descending order of the usage frequency attribute. The sorting is based on a descending order of the usage frequency attributes for a given user. The biometric features in the biometric feature database are stored in descending order. The storing includes providing prioritized access to the biometric feature having a highest value of the usage frequency attribute so that the biometric feature is selected first in response to a request for the biometric feature of the user. | 2021-01-14 |
20210012352 | CUSTOMER SERVICE ASSISTANCE SYSTEM AND CUSTOMER SERVICE ASSISTANCE METHOD - A customer service assistance system includes: storage device that stores an address of an automated response device accumulating knowledge of a provided business in the output screen; and an arithmetic device that, when an inquiry specifying the address is received from a customer terminal, checks identification information of the output screen and an inquiry sentence indicated by the inquiry against questions-and-answers information held for each output screen of the provided business in the automated response device associated with the address, estimates a question matching an intention of the inquiry out of questions in the questions-and-answers information according to whether a screen associated with each question included in the questions-and-answers information matches the output screen and a degree of similarity between a sentence of each question included in the questions-and-answers information and the inquiry sentence, and extracts an answer to the question, and returns the answer to the customer terminal. | 2021-01-14 |
20210012353 | Method And Apparatus For Autonomous Services Composition - A cloud services composition system allows customers to interactively create service constructs from network function virtualization resources. The network function virtualization primitives are modeled using a standard modeling language. An expert system suggests network function virtualization resources for use in the service construct, based on an expert system learning algorithm. The customer uses a graphical user interface to interconnect the resources and create the service construct. The process may involve collaboration with the network provider. The resulting construct is validated for use in a communications network. | 2021-01-14 |
20210012354 | CRUM APPARATUS TO EXTRACT POWER FROM CLOCK SIGNAL HAVING FIRST AND SECOND PERIODS - A CRUM apparatus includes a power extraction circuit that extracts power from a high value of a clock signal received from an image forming apparatus, and a control circuit activated by the power extracted by the power extraction circuit. The clock signal has high and low values alternately repeated in a first period in a data section and the high and low values alternately repeated in a second period different from the first period in a pause section. When the second period is changed to a fourth period in an idle section in which data transmission is prepared, the control circuit determines transmission and reception of a data signal to and from the image forming apparatus is to be performed at a third period different from the first period for a second data section after the idle section. | 2021-01-14 |
20210012355 | SYSTEMS AND METHODS FOR VENDOR ONBOARDING - Methods and systems are presented herein for vetting, approving and/or declining vendors and/or their products or services for financial institutions. | 2021-01-14 |
20210012356 | SYSTEM AND METHOD FOR THE AUTOMATED PROCESSING OF PHYSICAL OBJECTS - Methods and systems for verifying authenticity of a physical object and/or for verifying possession of the object by an individual are described. In one embodiment, the object is registered with a remote processing system. Data representing at least one characteristic of the object is obtained and stored in the remote system and the identity of the individual or entity possessing the object is authenticated. After authenticating the individual, an identifier is collocated (or an existing mechanism is activated or modified to replicate the identifier) with the object, where the identifier uniquely identifies the object and the individual possessing the object. The object and the identity of the individual possessing the object can be authenticated at a future time by sensing the collocated identifier and sending the sensed identifier to the remote system. The remote system can send instructions to an entity wishing to authenticate the object and its association with the individual possessing the object. The instructions can be set up at the time the object is registered in the remote system. The remote system can perform an interactive or automated session with the entity wishing to authenticate the object, thereby saving time and providing a robust method of authentication and means for carrying out additional processing functions. | 2021-01-14 |
20210012357 | PROTECTION AGAINST MISUSE OF SOFTWARE-DEFINED SILICON - Methods, apparatus, systems and articles of manufacture (e.g., physical storage media) to protect against misuse of software defined silicon products are disclosed. Example semiconductor devices disclosed herein include circuitry configurable to provide one or more features. Disclosed example semiconductor devices also include a license processor determine whether first identification information associated with a license received via a network from an enterprise system corresponds to second identification information associated with at least one of the semiconductor device or a customer, and configure the circuitry to activate a first one of the one or more features specified in the license in response to the first identification information corresponding to the second identification information. | 2021-01-14 |
20210012358 | METHOD AND SYSTEM FOR EMERGENT DATA PROCESSING - A method and system for emergent data processing are described. A system having one or more servers operable to handle retail data can receive content including customer data and product data. The content can be normalized and stored into a hyper-graph structure in the servers. The system can be used to select a portion of the hyper-graph structure based on a particular customer and to generate a recommendation for the particular customer based on the content in that portion of the hyper-graph structure. The system can also generate personal catalogs based on the information in the hyper-graph structure. The system can perform competitive analysis between products from different sources and include the results in the recommendations. Moreover, the system can perform a vertical analysis of consumable products to provide recommendations for tools or products that can be used in connection with the consumable products. | 2021-01-14 |
20210012359 | DEVICE, METHOD AND COMPUTER-READABLE MEDIUM FOR MAKING RECOMMENDATIONS ON THE BASIS OF CUSTOMER ATTRIBUTE INFORMATION - Provided is a device comprising an attribute database connecting section connected to an attribute database for storing a plurality of attribute values corresponding to a plurality of attributes, for each of a plurality of target people; a recommendation determining section that, for a first target person, determines whether to recommend at least one of a product and a service, based on at least one of the plurality of attribute values; a recommendation method determining section that determines a recommendation method for recommending a product or the like to the first target person; a recommendation result acquiring section that acquires a recommendation result for the first target person; a recommendation result storage section that stores the recommendation result in association with at least some attributes; and a recommendation model generating section that generates a recommendation model for selecting the recommendation method, using the attribute database. | 2021-01-14 |
20210012360 | IDENTIFYING INSTALLATION SITES FOR ALTERNATIVE FUEL STATIONS - Technology is disclosed to identify suitable installation sites for alternative fuel stations. The technology can use data sets pertaining to a particular geographic area, consumers of traditional or alternative fuel, fuel pricing history, brand information, area draw factors, and other data to generate various models. For example, the models can include any of an area capacity model that indicates the total number of stations that could be sustained by an area; a hotspot model that indicates estimated demand for alternative fuel within an area; or a trade area model that indicates locations within an area that are quickly accessible by a sufficiently high number of alternative fuel consumers. These models can be used in combination to identify and analyze potential sites suitable for alternative fuel stations. | 2021-01-14 |
20210012361 | REQUEST INFORMATION GROUP OPTIMIZATION METHOD - A request information group optimization method for optimizing a request information group includes: inputting external information; analyzing the external information according to analysis conditions; estimating a customer information group based on an analysis result; optimizing the request information group by rearranging the request information group until the estimated customer information group satisfies optimization conditions; and linking a product ID in the request information group to existing information of the product ID that is obligated to be described and estimating information necessary for optimization using the existing information. | 2021-01-14 |
20210012362 | Machine for Audience Propensity Ranking Using Internet of Things (IoT) Inputs - A specially programmed machine and method generates propensity information based on inputs received from machines connected as part of an Internet of Things (IoT) environment, where the machine appends a predictive segmentation attribute to each data input received and generates a matrix based on the counts of each attribute-input combination. The attribute-input counts for each combination are converted to a statistical metric that represents propensity information for consumers fitting into the segment associated with the particular attribute. The propensity information can be relayed to a client in a variety of ways, including a direct display of the propensity information, appendage of the propensity information to the clients database, or using the information to provide an audience report to the client. | 2021-01-14 |
20210012363 | DEVICE, METHOD AND COMPUTER-READABLE MEDIUM FOR ANALYZING CUSTOMER ATTRIBUTE INFORMATION - Provided is a device including an attribute database connecting section connected to an attribute database for storing a plurality of attribute values corresponding to a plurality of attributes, for each of a plurality of target people; an attribute prediction model generating section that, using the attribute database, generates a first plurality of attribute prediction models that are each for predicting an attribute value of a first prediction target attribute that is a prediction target, based on an attribute value of at least one attribute other than the first prediction target attribute among the plurality of attributes; and an attribute prediction model selecting section that selects a first attribute prediction model to be used to predict the attribute value of the first prediction target attribute, based on a prediction error of each of the first plurality of attribute prediction models. | 2021-01-14 |
20210012364 | Determining a Topological Location of a Client Device Using Received Radio Signatures - A network system, such as a transport management system, efficiently allocates resources by monitoring the geospatial and topological locations of a rider responsive to receiving a trip request. A trip management module matches a rider with an available driver based in part on an comparison of the estimated times of arrival of the rider and the driver at the pickup location. A client positioning module monitors the rider's progress through nodes and edges in a topological graph associated with the origin location based on radio signatures received at the rider client device. A client ETA module calculates a rider ETA based on the rider's rate of travel through the origin location represented by nodes in the topological graph. Responsive to determining that the rider ETA and the driver ETA vary by over a threshold amount of time, the trip management module matches the rider with a second available driver. | 2021-01-14 |
20210012365 | System and Method for Content Assessment - System and method for content assessment is disclosed. The system has a memory, a processor connected to the memory, a receiving function, a decrease balance function, an increase subject value function, and a making subject value available function. The receiving function is configured to receive, from a first user via a first client device, a request to indicate approval of a subject. The decrease balance function is configured to decrease a user balance associated with a first user account of the first user. The increase subject value function is configured to increase a subject value associated with the subject record associated with the subject. The making subject value available function is configured to making at least a portion of the subject value available for a second user, other than the first user, to redeem for use in experiencing the subject. | 2021-01-14 |
20210012366 | SYSTEMS AND METHODS FOR ASSESSING MERCHANT PERFORMANCE USING REAL-TIME CONSUMER TRANSACTION FEEDBACK - Systems, methods, and storage media for operating a consumer feedback incentive system are disclosed. Exemplary implementations may: transmit one or more incentive offers to one or more computing devices associated with one or more consumers; receive real-time survey feedback data from the one or more computing devices associated with the one or more consumers; provide a merchant analytics platform to a merchant associated with the one or more incentive offers, the merchant analytics platform comprising a user interface, wherein the user interface of the merchant analytics platform comprises a plurality of analytics display sections; and receive, via a user interface, one or more comparative representations organized according to selections made by the merchant. | 2021-01-14 |
20210012367 | SYSTEMS AND METHODS FOR GENERATING COUPONS - A television service provider system includes interactive elements embedded within advertisements or other content related to a particular product or service that a user may select to receive an initially non-redeemable coupon for the product. The system then electronically communicates to the seller or advertiser system the indications of such electronic interactivity between the viewers of content and content related to the product being sold or advertised. The advertiser or seller may then electronically activate and thus convert the non-redeemable coupon into a redeemable coupon. A system for processing retail transactions redeems the coupons for the product for a particular user using an identifier of the user associated with the account of the user with the television service provider. | 2021-01-14 |
20210012368 | ENCRYPTION OF DIGITAL INCENTIVE TOKENS WITHIN IMAGES - Embedding of digital incentive tokens within a digital image can occur cryptographically using a public key in some embodiments. An encrypted digital incentive token may be embedded within a digital image, including a variety of encrypted information. The digital image with the embedded digital incentive token may be sent to users via delivery mechanisms such as direct webpage embedding, email, text message, and social media sharing. An image recipient may be able to view the image and also take additional action including gaining access to the embedded digital incentive token. Digital incentive tokens can be embedded by altering image metadata so that the image itself is not changed in some embodiments, but data associated with the image is changed to identify the token. Pixel data can be altered to reflect a token for an image. Digital incentive tokens can also be tracked through different platforms to determine usage. | 2021-01-14 |
20210012369 | SECONDARY TIERED PLATFORM FOR AUXILIARY RESOURCE APPLICATION - Embodiments of the invention are directed to a system, method, or computer program product for a universal auxiliary resources platform allowing access to, distribution of, and exchange of all user auxiliary resources. Converting or scaling the auxiliary resources across the platform occurs for similar value presentation. Thus allowing for transmission of auxiliary resources in real time to satisfy at least a portion of a standard resource transaction. Furthermore, the platform allows for the exchange of auxiliary resources across users based on user set term adjustment. | 2021-01-14 |
20210012370 | LOYALTY PROGRAM SYSTEM, APPARATUS, AND MEDIA - Systems, methods, and apparatus are disclosed for managing a loyalty program. In some embodiments, a system includes a loyalty program management (LPM) system and a point-of-sale (POS) terminal. The POS terminal is configured to read a membership identifier, identify a plurality of goods, complete a sale of the identified plurality of goods to the member, and transmit, to the loyalty program management system, the read membership identifier and information about the identified plurality of goods. Based on the received information, the LPM system is configured to identify one or more point categories, and update earned loyalty points of the member in each of the identified one or more point categories. The LPM system is further configured to provide the POS terminal with a redemption value to be applied to the sale. | 2021-01-14 |
20210012371 | DETERMINING MICRO-EXPRESSIONS OF A USER - In some examples, while a user is navigating a site using a browser, a computing device may receive one or more images from a camera and may monitor input data from input devices (e.g., mouse, keyboard). After a particular event occurs (e.g., a navigation event such as selecting a link, selecting a tab, scrolling up or down, or the like), the computing device may analyze the images captured after the event using a machine learning algorithm to determine a micro-expression of the user. The micro-expression may be classified as a particular sentiment of a plurality of sentiments, associated with the event, and sent to a server. The server or the computing device may instruct the browser to modify, based on the sentiment, a portion of the site. The modification may include displaying a user interface to enable the user to communicate with a representative associated with the site. | 2021-01-14 |
20210012372 | SYSTEMS AND METHODS FOR PROVIDING AUTHENTICITY, INTEGRITY, AND NON-REPUDIATION TO ADVERTISING TECHNOLOGY - A system for providing authenticity, integrity, and non-repudiation to advertising technology. At least one processor receives an ad request for an ad impression available for sale. The ad request includes attributes associated with the ad impression and a cryptographic proof that provides non-repudiation and data integrity of the ad request. The ad request is authenticated by querying a blockchain. The processor accesses a database of second parties seeking to purchase ads online. The database stores attributes associated with each second party, matches the ad request with a selected second party based on the attributes associated with each second party in the database and the attributes associated with the ad impression of the ad request. The processor transmits to the first party a message having an ad and a cryptographic proof of the message, so as to fill the ad impression with the ad for the selected second party. | 2021-01-14 |
20210012373 | METHODS AND APPARATUS TO ASSOCIATE TRANSACTIONS WITH MEDIA IMPRESSIONS - Methods and apparatus to associate transactions with media impressions are disclosed. An example method includes transmitting a request for commercial transaction information to a database proprietor, the request including an identifier corresponding to a media impression associated with media presented via a computing device; receiving the commercial transaction information in response to the request, the commercial transaction information comprising data associated with a commercial transaction conducted using an account accessed by the computing device; and associating the media impression with the commercial transaction. | 2021-01-14 |
20210012374 | INTERCEPTING INADVERTENT CONVERSATIONAL DISCLOSURE OF PERSONAL INFORMATION - By intercepting a natural language communication of a protected party, the communication is monitored, wherein the protected party is a human being. Within the monitored communication using a natural language processing engine, a natural language interaction between the protected party and a second party is detected. To determine an interaction pattern, the natural language interaction is analyzed. The interaction pattern includes data derived from the monitored communication, metadata of the protected party, and metadata of the second party. Using the interaction pattern and an interaction behavior model, an adverse result of the natural language interaction is predicted, wherein the adverse result comprises an economic loss to the protected party. By notifying the protected party, the predicted adverse result is intercepted. | 2021-01-14 |
20210012375 | EMAIL-BASED TRANSACTIONS FOR E-COMMERCE - An electronic commerce (e-commerce) system may send advertisement emails to customers that are registered with the e-commerce system. The advertisement emails may include mailto hyperlinks. Each mailto hyperlink may be associated with a product that is being offered for sale, and each mailto hyperlink describes an email message that may be generated when that hyperlink is selected. When a mailto hyperlink is selected, the generated email message may include one or more parameters related to the product associated with the hyperlink, such as an identifier of the product. The generated email message may then be transmitted to the e-commerce system. The e-commerce system may receive the message and, based on the parameters in the received message, execute a transaction to purchase the identified product on behalf of the customer. | 2021-01-14 |
20210012376 | METHOD AND SYSTEM FOR DYNAMIC TEXTUAL AD DISTRIBUTION VIA EMAIL - A system and method for providing dynamic pay-for-placement advertisements via graphics-enabled email that generates a display of advertisements when the email newsletter is opened so the advertisements displayed are based on rankings at the time the email is opened instead of when the email was generated and transmitted. In one embodiment, a graphical-content email having one or more embedded advertisement image references is provided to one or more email recipients. The advertisement image reference, in one embodiment, may include query string parameters indicating the context of the image reference and/or portion of the image reference (i.e., identifying the image reference as being part of a particular newsletter email), a position of the image reference in the email display, and the like. A URL reference also may be included with each advertisement image reference (.e.g., one URL for each advertisement portion of the image to be retrieved by the advertising image reference). | 2021-01-14 |
20210012377 | PERSONALIZED IDENTIFICATION OF VISIT START - Pieces of location history data corresponding to an identified place of interest are obtained. Each piece of the obtained location history data references one or more signals detected at the identified place of interest and also references temporal data that corresponds to the detected signal(s). Some of the obtained pieces of location history data that represent one or more short, pass-through visits at the identified place of interest are identified. Based on the identified pieces that represent the short visit(s), conditions for determining the intent of future detected location visits at the identified place of interest are generated. The generated conditions can then be employed to determine that a detected location visit of a particular computing device determined to be at the identified place of interest is an extended visit as opposed to a short visit. | 2021-01-14 |
20210012378 | SYSTEMS AND METHODS FOR INFERRING MATCHES AND LOGGING-IN OF ONLINE USERS ACROSS DEVICES - Systems and methods are disclosed for associating a plurality of Internet-enabled devices with a common user profile for targeting Internet content or advertising. One method includes: receiving, from a plurality of Internet-enabled devices, a plurality of requests for electronic content or advertising; extracting, from each of the plurality of requests, a source IP address and a unique identifier associated with the respective Internet-enabled device; identifying each possible pair of devices from which requests were received; calculating for each possible pair of devices a probability that the pair of devices are owned or operated by a common user; and prompting a user to either confirm a characteristic of a prior browsing session or to log-in to an account associated with the common user based on a comparison of the calculated probability to one or more thresholds. | 2021-01-14 |
20210012379 | System and Method for Providing Opt-In Digital Marketing - An opt-in digital marketing method which allows users to access content free of advertisements with an option to engage with advertisement through a separate and distinct plug-in. To access plug-in content user will click on an icon to display a series of advertisement offers. Each advertisement offer is provided by a third party advertiser and allows the user to interact with the offer often providing a response incentive for such interaction, such as a coupon, discount or free gift. The method provides the user with a wallet page that stores all response incentives received and tracks whether the user has redeemed the incentive. Additionally, the present method allows a user to share or save advertisement offers. | 2021-01-14 |