03rd week of 2022 patent applcation highlights part 48 |
Patent application number | Title | Published |
20220019991 | SYSTEMS AND METHODS FOR PERFORMING PAYMENT TRANSACTIONS - A wearable payment device, such as a finger ring worn by a user, communicates payment data to a payment reader that uses the payment data in order to request a payment transaction. Such wearable payment device may be conveniently carried by and accessible to the user such that utilization of the payment device for the payment transaction is less burdensome for the user, thereby encouraging use of the payment device for payments. Indeed, in some cases, such as when the payment device is implemented as a finger ring or other type of jewelry, the user may be encouraged to carry the payment device in an exposed manner such that it is readily available for the payment transaction without the user having to search in a wallet, pocket, or purse. | 2022-01-20 |
20220019992 | SYSTEMS AND METHODS FOR PERFORMING PAYMENT TRANSACTIONS - A wearable payment device, such as a finger ring worn by a user, communicates payment data to a payment reader that uses the payment data in order to request a payment transaction. Such wearable payment device may be conveniently carried by and accessible to the user such that utilization of the payment device for the payment transaction is less burdensome for the user, thereby encouraging use of the payment device for payments. Indeed, in some cases, such as when the payment device is implemented as a finger ring or other type of jewelry, the user may be encouraged to carry the payment device in an exposed manner such that it is readily available for the payment transaction without the user having to search in a wallet, pocket, or purse. | 2022-01-20 |
20220019993 | SYSTEMS AND METHODS FOR PERFORMING PAYMENT TRANSACTIONS - A wearable payment device, such as a finger ring worn by a user, communicates payment data to a payment reader that uses the payment data in order to request a payment transaction. Such wearable payment device may be conveniently carried by and accessible to the user such that utilization of the payment device for the payment transaction is less burdensome for the user, thereby encouraging use of the payment device for payments. Indeed, in some cases, such as when the payment device is implemented as a finger ring or other type of jewelry, the user may be encouraged to carry the payment device in an exposed manner such that it is readily available for the payment transaction without the user having to search in a wallet, pocket, or purse. | 2022-01-20 |
20220019994 | PROVIDING ENHANCED MERCHANT EXPERIENCES IN MOBILE TRANSACTIONS - Methods, systems, and computer program products for providing enhanced mobile transactions and payments are disclosed. A computer-implemented method may include receiving a request to provide an enhanced merchant experience available for a merchant to one or more consumers participating in mobile transactions with the merchant, receiving a merchant identifier from a system involved in processing a mobile transaction for the merchant, determining whether to provide the enhanced merchant experience to a user involved in the mobile transaction with the merchant, determining when to provide the enhanced merchant experience to the user involved in the mobile transaction with the merchant, and providing the enhanced merchant experience to the user involved in the mobile transaction with the merchant during the transaction, at completion of the transaction, or after completion of the transaction. | 2022-01-20 |
20220019995 | LIMITED-USE KEYS AND CRYPTOGRAMS - Techniques for enhancing the security of a communication device when conducting a transaction using the communication device may include encrypting account information with a first encryption key to generate a second encryption key, and encrypting key index information using the second key to generate a limited-use key (LUK). The key index information may include a key index having information pertaining to generation of the LUK. The LUK and the key index can be provided to the communication device to facilitate generation of a transaction cryptogram for a transaction conducted using the communication device, and the transaction can be authorized based on the transaction cryptogram generated from the LUK. | 2022-01-20 |
20220019996 | TAG-BASED SOCIAL INTERACTION COMPUTING SYSTEM AND METHOD - Systems and methods for providing tag-based social interaction are provided. Users generate tags that allows a third party to connect with the user. Personally identifiable information of the user can be obfuscated, thereby allowing a user to send random acts of kindness, payments, gift cards, or other types of communications to other users while remaining anonymous. | 2022-01-20 |
20220019997 | DEVICE WITH BUILT-IN BILL CAPTURE, ANALYSIS, AND EXECUTION - Systems and methods for secure and efficient bill capture, analysis, and execution are provided. A method may include capturing, via a camera embedded in a smart card, an image of a bill. The bill may include a plurality of text fields. The method may include processing the text fields via a microprocessor embedded in the smart card. The method may include determining, based at least in part on the processing of the text fields, a balance amount and a payment recipient associated with the bill. The method may also include executing a payment for the balance amount from an account associated with a user of the smart card to an account associated with the payment recipient. The executing may be performed via a wireless communication element embedded in the smart card which may be configured to provide wireless communication between the smart card and a payment gateway. | 2022-01-20 |
20220019998 | SMART-CARD WITH BUILT-IN OBJECT RESOLUTION AND DIRECT NETWORK INTERFACE - Systems and methods for secure and efficient transaction resolution and execution are provided. A method may include capturing, via a camera embedded in a smart card, an image of an object. The object may be associated with one of a plurality of service categories. The method may include processing the image and determining the service category, from the plurality of service categories, which is associated with the object. The method may also include determining a service provider that provides the service of the service category for a user associated with the smart card, and determining a monetary balance owed by the user to the service provider for the service. The method may also include executing a payment, via a wireless communication element that is embedded in the smart card, in the amount of the monetary balance, from an account associated with the user to the service provider. | 2022-01-20 |
20220019999 | SYSTEM, METHOD, AND APPARATUS FOR UPDATING AN EXISTING DYNAMIC TRANSACTION CARD - A system for securely updating an electronic transaction card held by an account holder with an additional account and/or account data is described. A dynamic transaction card may be securely updated with an additional account by using pre-stored shell data and/or inactive data, whereby the pre-stored shell data may be populated using data received from an issuer system and/or the inactive data may be activated via an activation signal received from a mobile device. A backend server may determine, via a fraud determination, expiration determination, and/or user-request, that new account data should be transmitted to an account holder. The dynamic transaction card may receive the data associated with a notification, update a display, instruct an EMV applet to use a key associated with a received EMV key identifier for signatures, and/or update any additional data stored on the dynamic transaction card. | 2022-01-20 |
20220020000 | DISABLING A DIGITAL PAYMENT DEVICE (DPD) - A Digital Transaction Processing Unit (DTPU) operable to host one or more transaction applications, each transaction application for digitally transacting with a Digital Transaction Device (DTD), the DTPU further operable to be reversibly placed into a disabled state such that the DTPU is inoperable for a digital transaction with a DTD. | 2022-01-20 |
20220020001 | Decisional Architectures in Blockchain Environments - Digital or “smart” contracts execute in a blockchain environment. Any entity (whether public or private) may specify a digital contract via a table identifier in a blockchain. Because there may be many digital contracts offered as virtual services, the table identifier uniquely identifies a particular decision table and/or the digital contract offered by a virtual machine, vendor or supplier. The blockchain is thus not burdened with the programming code that is required to execute the decision table and/or the digital contract. The blockchain need only include or specify the table identifier (and perhaps one or more contractual parameters), thus greatly simplifying the blockchain and reducing its size (in bytes) and processing requirements. | 2022-01-20 |
20220020002 | POST PAYMENT PROCESSING TOKENIZATION IN MERCHANT PAYMENT PROCESSING - Systems and methods for payment processing include receiving, by a payment terminal, a personal account number to complete a payment. The personal account number is encrypted by the payment terminal. The encrypted personal account number is sent from the payment terminal to a merchant server via a network. The encrypted personal account number is sent from the merchant server to a tokenization service provider server for tokenization and validation via a payment processor. The merchant server receives an indication of whether the transaction was successful and a token from the tokenization service provider server. | 2022-01-20 |
20220020003 | PRIVATE KEY SECURITY IN THE CLOUD - Techniques for providing to a user with an anonymous user signature on a message in a distributed decentralized network are presented. The techniques use a hardware security module and a certificate authority. The certificate authority: obtains a credential that includes a certificate for the user, where the certificate includes a user public key and a plurality of user attributes; receives a request for a signature on the message, where the request includes an indication of a subset of the plurality of user attributes to be revealed; accesses from the hardware security module a user secret key; and provides to the user at least the message signed by the user secret key and a zero-knowledge proof that establishes that the message is signed by the user secret key corresponding to the user public key in the credential without revealing the plurality of user attributes. | 2022-01-20 |
20220020004 | USING A CONSUMER DIGITAL WALLET AS A PAYMENT METHOD IN A MERCHANT DIGITAL WALLET - A system is configured to perform operations that include receiving a purchase request to use a consumer digital wallet account of a user to pay for an item sold by a merchant, the consumer digital wallet account being included as a payment method in a merchant digital wallet account provided by the merchant to the user. The operations further include generating a single-use payment token based on a non-transactable token. Additionally, the operations include transmitting, to an existing card payment network, a card transaction message that includes the single-use payment token, the single-use payment token causing the existing card payment network to route the card transaction message back to the system. The operations also include causing payment to be remitted from the user to the merchant using a payment method included in the consumer digital wallet account. | 2022-01-20 |
20220020005 | MOBILE DEVICE, SYSTEM AND METHOD FOR CURRENCY EXCHANGE - An aspect of the disclosed embodiments is a mobile device including a first account module configured to store first account information associated with a first pre-established account, wherein the first pre-established account comprises funds denominated in a first currency; and a computing device processor operatively connected to the first account module and configured to: send the first account information from the mobile device to a first transaction machine to perform a first transaction, wherein the first transaction is conducted in the first currency to purchase funds denominated in a second currency, wherein the second currency is different from the first currency; receive second account information, the second account information associated with a second account, wherein the second account comprises the funds denominated in the second currency; responsive to receipt of the second account information, configure a second account module of the mobile device to store the second account information; and send the second account information from the mobile device to a second transaction machine to perform a second transaction using the funds denominated in the second currency. Other aspects are disclosed. | 2022-01-20 |
20220020006 | PASSIVE RESOURCE INSTANT TRANSLATION SYSTEM - Embodiments of the invention are directed to a system, method, or computer program product for passive resource instant translation. The invention receives input from a user via a communicable linkage between the user and the user's passive resource collection account. Passive resources are instantly translated to resources ready for use according to a passive resource to active resource translation ratio. The converted passive resources are stored in a converted passive resource account. The invention may then identify a user request for transfer of active resources and prompt the user to select a resource account to fulfill the user request. The invention may then release active resources based on user request and input. | 2022-01-20 |
20220020007 | DATA SECURITY FOR TRANSACTIONS WITH SECURE OFFER SYSTEM - Examples described herein include systems, methods, instructions, and other implementations for data security with integrated promotion systems. In one example, account security system receives a checkout communication that includes data describing a validated checkout system of a merchant system, where the checkout communication does not include a purchase promotion option. A client token is transmitted in response to an authentication that the checkout communication is from the validated checkout system, and an account communication including the client token and secure client information is received from a client device. A plurality of promotion options associated with the secure transaction is transmitted in response to the account communication, and a promotion selection for the secure transaction is received from the client device and not from the merchant system. | 2022-01-20 |
20220020008 | Smart Contract-Based Electronic Contract Preservation System - The present application discloses a smart contract-based electronic contract deposit system, including an electronic contract platform, a blockchain deposit platform, and a transaction processing smart contract created by the electronic contract platform or the blockchain deposit platform, where the blockchain deposit platform includes a plurality of deposit nodes that provide deposit services for the electronic contract platform. In this way, the following problem may be resolved: regarding an existing manner of storing an electronic contract in a centralized way, during a subsequent process of invoking electronic contract data, the stored electronic contract data becomes untrustworthy because the contract data is at a risk of being easily tampered with and forged. | 2022-01-20 |
20220020009 | BIOMETRIC AUTHENTICATION SMART CARD - A biometric authentication smart card may include a biometric authentication sensor configured to sense at least two types of biometric information of a user and to generate raw images therefrom; and processing circuitry configured to, generate a matching template including biometric features based on the raw images, select a user index from among a plurality of user indices based on the matching template, and output, to a payment terminal, payment class information and payment means information set adaptively for the user index. | 2022-01-20 |
20220020010 | DECENTRALIZED ELECTRONIC CONTRACT ATTESTATION PLATFORM - This application provides a decentralized electronic contract attestation platform, where the attestation platform is connected to a user client through a deposit thread and a forensic thread that are established with an existing electronic contract platform; the attestation platform includes a deposit unit and a forensic unit; the deposit unit is configured to verify transaction data of a deposit transaction initiated by the user client, and if the verification is passed, upload and store the transaction data on a chain; and the forensic unit is configured to obtain, based on a forensic request sent by the user client, transaction data that corresponds to the forensic request and is stored in a blockchain, and send the transaction data to the user client. According to this application, deposit and forensic operations of an electronic contract are correspondingly completed by using the established deposit thread and forensic thread. Managing the transaction data of a user by using the decentralized electronic contract attestation platform avoids a possibility that an existing platform may arbitrarily tamper with the transaction data of the deposit transaction of the user, and improves security of transaction information of the user. | 2022-01-20 |
20220020011 | TECHNIQUES FOR CONDUCTING TRANSACTIONS UTILIZING CRYPTOCURRENCY - Embodiments of the invention are directed to systems and methods for conducting a transaction utilizing a cryptocurrency. The user may fund a cryptocurrency account with his pre-existing cryptocurrency. An issuer may purchase cryptocurrency within a cryptocurrency exchange. The user may then utilize a payment device (e.g., a Crypto Debit Card) that is associated with a cryptocurrency balance to conduct a transaction with a merchant for goods and/or services. An authorization request message may be transmitted to the authorizing entity computer. The authorizing entity computer may determine a cryptocurrency amount corresponding to the fiat currency transaction amount of the authorization request message. A sell request message may be transmitted to an exchange that facilitates the sale of the cryptocurrency amount. If the sale is successful, the authorizing entity computer may transmit an authorization response message indicating that the transaction is approved and the merchant may release the purchased goods and/or services. | 2022-01-20 |
20220020012 | SYSTEMS AND METHODS FOR PERFORMING TRANSACTIONS WITH CONTACTLESS CARDS - Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key. | 2022-01-20 |
20220020013 | TOKENIZING SENSITIVE DATA - Included are embodiments for tokenizing sensitive data. Some embodiments of systems and/or methods are configured to receive sensitive data from a vendor, determine a token key for the vendor, and utilize a proprietary algorithm, based on the token key to generate a vendor-specific token that is associated with the sensitive data. Some embodiments include creating a token identifier that comprises data related to the token key sending the vendor-specific token and the token identifier to the vendor. | 2022-01-20 |
20220020014 | Transaction mode-based electronic contract preservation system - This application discloses a transaction-based electronic contract deposit system, including an electronic contract platform and a blockchain deposit platform, the blockchain deposit platform including a plurality of deposit nodes that provide deposit services for the electronic contract platform. In this way, the following problem may be resolved: regarding an existing manner of storing an electronic contract in a centralized way, during a subsequent process of invoking electronic contract data, the stored electronic contract data becomes untrustworthy because the contract data is at a risk of being easily tampered with and forged. | 2022-01-20 |
20220020015 | SECURE PROCESSING OF ELECTRONIC PAYMENTS | 2022-01-20 |
20220020016 | SECURE PROCESSING OF ELECTRONIC PAYMENTS | 2022-01-20 |
20220020017 | FRAUD ALERTING USING MOBILE PHONE LOCATION - A location of a transaction or payment request is compared with a location of a user device to determine whether the distance is great enough to send an alert for a possible fraudulent transaction. The user device location may be predicted based on a last known location and information about the area of the last known location and movement of the user device. | 2022-01-20 |
20220020018 | CRYPTOGRAPHIC ENCRYPTION PROTOCOL FOR DATA TYPES AND VALUES - Disclosed herein is a means that takes advantage of the immutable security provided by blockchain data structures and further implements measures that enable data in blockchain records to remain private to their respective users via the use of multiple ciphertexts that are subjected to zero-knowledge proofs and manipulated homomorphically. Ciphertexts make use of cryptographic key pair encryption where participants make use of public keys to encrypt data intended for one another alone. | 2022-01-20 |
20220020019 | Smart Contract-Based Electronic Contract Forensics Method and System - This application provides a smart contract-based electronic contract forensic method: when a user wants to perform forensic on an electronic contract in a blockchain digital deposit platform, initiating, by an existing electronic contract platform, a forensic request for the electronic contract; obtaining, by the blockchain digital deposit platform, the forensic request and querying deposit information; if a deciding result is that deposit information corresponding to the electronic contract is stored in the blockchain digital deposit platform, deciding whether there is a deposit transaction in the blockchain digital deposit platform; after the deposit transaction is queried in the blockchain digital deposit platform, initiating a forensic transaction to the smart contract in the blockchain digital deposit platform; verifying the forensic transaction, and executing the smart contract, to generate a forensic token; generating an execution result based on the forensic token; obtaining a digest of the deposit transaction based on the execution result; decrypting the digest, to obtain a storage index table; downloading transaction data of the deposit transaction according to a data index; decrypting the transaction data; and verifying validity, legitimacy, and integrity of the decrypted transaction data. | 2022-01-20 |
20220020020 | Methods, systems, and devices for managing digital assets - Embodiments relate to methods, systems, devices, and computer readable medium for managing digital assets, such as cryptocurrencies and public key and private key pairs. The method includes identifying a public key or public address of a digital asset. The method includes identifying a public key of an authorized custodian of the digital asset. The method includes identifying a signed proof of management hash. The method includes determining whether an entity is the authorized custodian of the digital asset by generating an entity hash and comparing it to a first decrypted result. The first decrypted result is obtained by decrypting, using the public key of the authorized custodian, the signed proof of management hash. When the generated entity hash is determined to match the first decryption result, the method includes returning a confirmation that the entity is the authorized custodian of the digital asset. | 2022-01-20 |
20220020021 | SYSTEM, METHOD, AND DEVICE FOR DETECTING THAT A USER IS INTOXICATED WHEN PROCESSING PAYMENT CARD TRANSACTIONS - A method and a system are provided for processing payment card transactions in conjunction with a user device configured to detect intoxicated use. The user device includes a behavior detection application which can detect whether a user is intoxicated using the device's motion sensing hardware, user endpoint data, and application level data. When the user attempts a transaction while intoxicated, the user's device can detect that the user is impaired or sober. If impaired, the payment card system can deny the transaction. If sober, the payment card system can offer incentives for certain transactions. The payment card system can also allow sponsoring entities to pay for transactions that incentivize better behavior when a user is intoxicated or support transactions for sober users. | 2022-01-20 |
20220020022 | SYSTEMS AND METHODS FOR ELECTRONIC SCHEDULING OF PAYMENT TRANSACTION SUBMISSIONS OVER ELECTRONIC NETWORKS - A method for payment submission scheduling includes receiving, at an acquirer computing system, an authorization request submitted by a merchant computing system for a transaction, the merchant computing system being associated with a merchant, and the authorization request identifying account information for an account that is associated with a payment card network and an issuer processor; generating a submission schedule to submit the authorization request based on a dataset of historical processing results, the submission schedule identifying a time slot within which the submitted authorization request is to be transmitted to the issuer processor; and transmitting, by the acquirer computing system to an issuer processor, the authorization request, within the time slot identified by the submission schedule. | 2022-01-20 |
20220020023 | SYSTEMS AND METHODS FACILITATING ACCOUNT ACCESS DELEGATION - System and method for facilitating account access delegation are provided. Login credentials are authenticated for a first account of a first funding source of a first user. A request from the first user to delegate, to a second account of a second user, access to the first funding source is received. A redirected login request from a merchant web application is further received. The redirected login request corresponds to the second account. A determination is made, based on the received request, that the second account is permissioned to use the first funding source. In response to the determination, a login of the first user account is caused on the merchant web application. The logging in of the first user account on the merchant web application causes the first funding source to be applied to an electronic transaction performed on the merchant web application under control of the second user. | 2022-01-20 |
20220020024 | CRYPTOCURRENCY-BASED PAYMENT BACKING ACCOUNT DEVICE OF A CRYPTOCURRENCY PAYMENT SYSTEM - A method includes receiving, by a cryptocurrency-based payment backing account device of a cryptocurrency payment system, a lock instruction from a network computing device to lock an amount of system cryptocurrency based on real-time payment information regarding a cryptocurrency-based payment from a source computing device to a destination computing device. The method further includes determining, by the cryptocurrency-based payment backing account device, a cryptocurrency-based payment backing account associated with the real-time payment information and locking the amount of system cryptocurrency. The method further includes when the release instruction from the network computing device is received, releasing the amount of the system cryptocurrency and when the consume instruction from the network computing device is received, transferring the amount of the system cryptocurrency to an account associated with the network computing device to cover the cryptocurrency-based payment. | 2022-01-20 |
20220020025 | AUTOMATIC PAYMENT DETERMINATION - A computer system monitors one or more communication applications on a device of a user. The computer system identifies a communication that corresponds to a payment from a plurality of communications on the one or more communication applications. In response to the identifying the communication that corresponds to the payment, the computer system automatically identifying one or more other users associated with the payment without prompting the user for information. | 2022-01-20 |
20220020026 | ANTI-MONEY LAUNDERING METHODS AND SYSTEMS FOR PREDICTING SUSPICIOUS TRANSACTIONS USING ARTIFICAL INTELLIGENCE - Embodiments provide anti-money laundering methods, and systems for detecting potential money laundering financial transactions using artificial intelligence. The method performed by a server system includes receiving data elements associated with financial activities of users who are associated with at least one issuer. The data elements include transaction data associated with users. The method includes identifying graph features based on data elements, and creating temporal knowledge graph based on the graph features. The temporal knowledge graph represents a computer-based graph representation of the users as nodes and relations among the nodes as edges. The method further includes encoding temporal knowledge graph into graph embedding vector using graph embedding model, predicting occurrence of money laundering financial transaction by applying unsupervised machine learning algorithm over graph embedding vector, and providing alert notification to at least one issuer associated with the money laundering financial transaction based on step of predicting. | 2022-01-20 |
20220020027 | SYSTEMS AND METHODS FOR CONFIGURING AND IMPLEMENTING A CARD TESTING MACHINE LEARNING MODEL IN A MACHINE LEARNING-BASED DIGITAL THREAT MITIGATION PLATFORM - Systems and methods for detecting digital abuse or digital fraud that involves malicious account testing includes implementing a machine learning threat model that predicts malicious account testing using misappropriate accounts, wherein a subset of a plurality of learnable variables of an algorithmic structure of the machine learning threat model includes one or more learnable variables derived based on feature data indicative of malicious account testing; wherein implementing the machine learning threat model includes: (i) identifying event data from an online event that is suspected to involve digital fraud or digital abuse, (ii) extracting adverse feature data from the event data that map to the one or more learnable variables of the subset, and (iii) providing the adverse feature data as model input to the machine learning threat model; and computing, using the machine learning threat model, a threat prediction indicating a probability that the online event involves malicious account testing. | 2022-01-20 |
20220020028 | REAL-TIME TRANSACTION RISK ANALYSIS VIA BLENDED HISTORY - In an embodiment, a computer-implemented method, comprises receiving transaction data for a plurality of transactions; identifying, from transaction data for a particular transaction of the plurality of transactions, an associated project of the particular transaction and project parameters of the associated project; performing, based on the transaction data for the particular transaction and the project parameters of the associated project, a risk assessment of the associated project of the particular transaction; performing an action in response to the risk assessment, the action comprising at least one of: generating a digital alert to a buyer and/or supplier account; preventing completion of the particular transaction; preventing access to private data; anonymizing private data; or creating a hold on the associated project to prevent completion of one or other associated transactions. | 2022-01-20 |
20220020029 | SYSTEMS AND METHODS FOR AN IDENTITY ESCROW ACCOUNTS (IDEAS) - A method comprising using at least one hardware processor to: obtain using a mobile device and in association with a transaction, fingerprints and other biometric markers of a user; as the biometric features are captured, the mobile device employing liveness detection and coordination of motion within images of face and hands; storing the biometric features in a secure escrow; and when a fraudulent incident is associated with the user, retrieving the biometric data and transmitting the biometric data to an appropriate authority as “latent prints”. | 2022-01-20 |
20220020030 | SMART CHIP CARD WITH FRAUD ALERT AND BIOMETRIC RESET - The disclosure generally describes computer-implemented methods, software, and systems, including a method for placing a card into an alert state. An alert detection indication is received during an attempted data exchange using a permanent account number (PAN) associated with a card. The alert detection indication is received by an electronic controller embedded in the card and is received through an interface. The alert detection indication indicates that the PAN has an alert state identified for the PAN by an entity that issued the card. An operational mode of the card is modified into the alert state by the electronic controller and is based on receipt of the alert detection indication. An electronic display indicating that the card is in the alert state is displayed by the electronic controller. | 2022-01-20 |
20220020031 | VALIDATION IDENTITY TOKENS FOR TRANSACTIONS - A user initiates a transaction by providing identification data at an access device. Certain elements of a validation identity token, such validation keys, may be distributed among several remote server computers. After the elements are retrieved during the transaction, the validation identity token may be generated using the retrieved elements. The validation identity token may indicate whether the user is authenticated. No single entity can possess all elements utilized to generate the validation identity token, which mitigates risk of the validation identity token being compromised. In some embodiments, the validation identity token may be a chromatic identity token, which may indicate validity by color. | 2022-01-20 |
20220020032 | Work support system and method with screen sharing and development system for multi-platform application - Work support system and method with screen sharing and development system for multi-platform application disclosed. The work support system with screen sharing includes a customer terminal in which a service application is installed and executed, an employee terminal configured of sharing and displaying a designated area of an execution screen of the service application, and a work support server configured of communicating with the customer terminal and the employee terminal, and supporting a customer work by setting a screen of the customer terminal to be shared in the employee terminal under a specified condition. | 2022-01-20 |
20220020033 | Adaptive Validation and Remediation Systems and Methods for Credential Fraud - Techniques for adaptive validation and remediation are described. In some embodiments, the method includes determining, for a plurality of media service accounts, corresponding fraud suspicion values based on a model. The method also includes identifying a plurality of suspected accounts based on the corresponding fraud suspicion values. The method additionally includes identifying one or more suspected devices and predicting a likelihood of account takeover from each of the one or more suspected devices. The method further includes detecting a triggering event from a device of the one or more suspected devices associated with an account. The method additionally includes executing a validation and/or remediation procedure based on a trigger sensitivity value associated with the triggering event, a respective likelihood of account takeover from the device associated with the account, a respective device risk value associated with the device, and a respective fraud suspicion value associated with the account. | 2022-01-20 |
20220020034 | MAXIMIZING CHANNEL YIELD IN DIGITAL TRANSACTION - A method, computer system, and computer program product for dynamic digital channel journey analysis are provided. The embodiment may include obtaining information related to user page accesses and flows. The embodiment may also include creating a period graph for a measurement period. The embodiment may further include computing an initial yield leakage value for the measurement period. The embodiment may also include creating a temporal reference. The embodiment may further include updating the period graph based on the yield leakage value and the temporal reference. The embodiment may also include identifying a link where the yield leakage value is high and where the link leads to. | 2022-01-20 |
20220020035 | PERSONAL CARE PRODUCTS - Methods of creating product stewardship profiles for ingredients in consumer products are disclosed. The methods may be employed by manufacturers of personal care products to design personal care products having desired product stewardship attributes. The methods may be employed by consumers when selecting personal care products that have consumer desired product stewardship attributes. | 2022-01-20 |
20220020036 | SYSTEMS AND METHODS FOR ANALYZING DATA ELEMENT DISTRIBUTION ACROSS A NETWORK - A processing device selects a population of persons and measures sales metrics from the population over a time period and measures an advertising weight over the time period. The processing device determines an effect that the advertising weight has on the sales metrics and additionally calculates values for a degree of targetedness for the advertisement to the population of persons. The processing device determines an effect that the degree of targetedness has on the sales metrics and generates a multi-dimensional model that measures the combined effects of the advertising weight and the degree of targetedness on the sales metrics. | 2022-01-20 |
20220020037 | INTEGRATED WEATHER GRAPHICAL USER INTERFACE - Data integration and distribution systems. A system includes a graphical user interface (GUI). Weather and market data are collected. A weather symbology including symbol elements linked to segments of the collected weather data and rules for generating weather symbology instructions are stored. The GUI is generated for display on a user device. A weather symbology instruction is determined based on at least one requested symbol element indicated in a weather data request and the rules. A weather forecast dataset is created from among the collected weather data based on the weather symbology instruction. A presentation package comprising the weather forecast dataset and the collected market data is generated such that the weather forecast dataset is integrated with the collected market data. The presentation package is presented on the GUI and updated concurrent with changes at least one of the weather data, the market data and user input. | 2022-01-20 |
20220020038 | SYSTEM AND METHOD FOR MANAGEMENT, FORECATING AND DISAGGREGATION OF POWER CONSUMPTION DATA - System and method of disaggregating power consumption data, the method including receiving power consumption data from at least one power consumption meter, wherein the received power consumption data corresponds to at least one consumer, determining power consumption patterns from the received power consumption data, performing disaggregation of the received power consumption data and identifying at least one base load value for at least one consumer based on the power consumption patterns, grouping consumers into energetically similar groups based on the disaggregation, and providing energy saving recommendations to at least one consumer based on the disaggregation and grouping data. | 2022-01-20 |
20220020039 | DETERMINING AND APPLYING ATTRIBUTE DEFINITIONS TO DIGITAL SURVEY DATA TO GENERATE SURVEY ANALYSES - The present disclosure relates to systems, non-transitory computer-readable media, and methods for applying attribute definitions to various survey data and utilizing attribute definitions to generate survey analyses. In particular, in one or more embodiments, the disclosed systems intelligently determines attribute definitions to apply to digital surveys, digital survey questions, and digital survey responses. The disclosed systems can determine attribute definitions to apply to survey data based on user input, associated survey templates, associated prior use of attribute definition, analysis of the text of digital surveys, and a variety of other attributes of survey data. The disclosed systems can generate digital survey analysis by utilizing attribute definitions applied to a variety of types of survey data. | 2022-01-20 |
20220020040 | SYSTEMS AND METHODS FOR DETECTING AND ANALYZING RESPONSE BIAS - Systems and methods for identifying response bias are disclosed. In certain embodiments, the systems and methods receive data associated with a user's input device in the course of a survey and calculate one or more metrics from the data. Metrics are a measure of the movements of the input device. The systems and methods then calculate the user's response bias from the metrics and output results of the survey. In that output, the results are adjusted for the user's response bias. | 2022-01-20 |
20220020041 | DISCOUNT PERCENTAGE DETERMINATION SYSTEM, DISCOUNTED PRICE PRESENTATION SYSTEM, DISCOUNT PERCENTAGE DETERMINATION METHOD, AND STORAGE MEDIUM - A discount percentage determination system includes: an information acquisition unit configured to acquire, from a database in which residential areas and electronic payment information of consumers who made electronic payments are recorded in association with each other, the electronic payment information for each of the residential areas; and a discount percentage determination unit configured to identify a tendency of the electronic payments for each of the residential areas based on the electronic payment information for each of the residential areas and to determine for each of the residential areas a discount percentage for prices of items for sale at a predetermined store according to the identified tendency. | 2022-01-20 |
20220020042 | MACHINE LEARNED MODELS FOR ITEMS WITH TIME-SHIFTS - In an example embodiment, a series of machine learned models are trained and utilized in conjunction with each other to improve the reliability of predictions of fuel costs. One of these models is specifically trained to learn the “gap” time for a particular retail location, meaning the amount of time between when the futures contract market price on a trading exchange making up the fuel blend has the most correlation with the retail price of that fuel blend (for that particular location). This greatly enhances the reliability of the predictions of fuel costs, and, as described in detail herein, these predictions may be used in a number of different applications in unique ways. | 2022-01-20 |
20220020043 | MACHINE LEARNED MODELS FOR ITEM PRICE PLANNING - In an example embodiment, multiple machine learned models are used to continually learn from data to update various prediction models. Prediction of item prices, at the production and distribution point level, and utilizing this information along with other item information, such as crop yield, operational cost, and storage cost in the case of arming, may be used to solve the long- and short-term planning problems of farmers and help in decision making based on daily and the most up-to-date forecasts. | 2022-01-20 |
20220020044 | TAXI MANAGEMENT DEVICE, TAXI OPERATION SYSTEM, AND FARE SETTING METHOD - A taxi management device includes: an information acquisition unit that acquires first information including information specifying a use language of a first person and second information including information specifying an interpretable language of a second person; and a discount setting unit that performs discount setting of a fare of the second person at a time of ride-sharing of taxi by the first person and the second person based on the first information and the second information. | 2022-01-20 |
20220020045 | METHOD, SYSTEM, AND APPARATUS FOR ORGANIZING COMPETING USER CONTENT - An approach is provided for facilitating a virtual competition for content creation and an effective UI for presenting content in an organized manner. The approach involves receiving, via a user device, a first content including execution of a first activity, wherein the first content is to be presented in a first arrangement. The approach also involves receiving, via another user device, a second content including execution of a second activity. The approach further involves determining that the first activity and the second activity are a common activity, and determining a score of the first activity and the second activity based on feedback from a plurality of users. The approach also involves ranking the first content and the second content based on a determined score. The approach further involves organizing the first content and the second content for presentation in a second arrangement based on the ranking. | 2022-01-20 |
20220020046 | SYSTEM FOR RECURRING AUXILIARY RESOURCE DISTRIBUTION - Systems, computer program products, and methods are described herein for recurring auxiliary resource distribution. The present invention may be configured to detect a trigger event associated with a plurality of sources, where the plurality of sources includes a standard source and an auxiliary source, and where the plurality of sources is associated with a user. The present invention may be configured to transform, using a resource transformation engine and based on the trigger event, a first amount of auxiliary resources in the auxiliary source to a second amount of standard resources, deduct the first amount of auxiliary resources from a first balance of the auxiliary source, and add the second amount of standard resources to a second balance of the standard source. The present invention may be configured to perform a resource distribution using the second amount of standard resources from the standard source. | 2022-01-20 |
20220020047 | AUTOMATED TESTING OF MULTIPLE ON-LINE COUPONS - Multiple on-line coupons are automatically tested on items of interest to a customer, without requiring the customer to perform any action or to look for such coupons in various sources. Such testing can be automatically initiated and performed on items within the customer's shopping cart. Alternatively or additionally, testing can be automatically initiated and performed while the customer is browsing a page for an item on an e-commerce website, before the customer has even placed items in his or her shopping cart. The best coupon or coupons are then presented to the customer, or automatically applied to provide the customer with the appropriate discounts. | 2022-01-20 |
20220020048 | TECHNOLOGIES FOR ENHANCED PAYMENT TRANSACTIONS - Technologies for enhancing payment transactions include an acquirer computing system. The acquirer computing system receives a payment authorization request message for a payment transaction associated with a purchase event and event-specific data corresponding to the purchase event. An offer identification query is transmitted to a promotion management computing system via an out-of-band communications channel. Offer redemption instructions corresponding to a matched offer are received from the promotion management computing system via the out-of-band communications channel. Based on the redemption value of the matched offer, a net transaction amount for the purchase event is determined. The payment authorization request message is modified based on the determined net transaction amount. The modified payment authorization request message is transmitted to an issuer computing system via an in-band communications channel. A payment authorization response message is received from the issuer computing system via the in-band communications channel. Other embodiments are described and claimed. | 2022-01-20 |
20220020049 | ARTIFICIAL INTELLIGENCE (AI) BASED PAYMENTS PROCESSOR - An Artificial Intelligence (AI) based payments processing system analyzes data from a user's purchase invoice to identify a combination of payment modes to be used to pay for the user's purchases thereby maximizing the savings to the user while accounting for the user preferences. A savings oriented model including a mix and match model and a dynamic decision tree scoring model generates a savings based best offer suggesting the payment modes to be used by analyzing the user's purchases based on the offers associated with the purchased products. A user behavior model generates a user behavior based best offer by further accounting for user preferences. Based on the user's autopay settings, the payments processing system may automatically initiate payment for the user's purchases or may display the best offers to the user before initiating the payments. | 2022-01-20 |
20220020050 | SYSTEM FOR MARKETING CAMPAIGN SPECIFICATION AND SECURE DIGITAL COUPON REDEMPTION - Product vendors are provided with a system for performing a marketing campaign to mobile communication device users, providing offers as instruments, such as digital coupons, to a selected group of users of the mobile communication devices and validating the integrity of the instruments. The invention has two phases: the selection of the components of the instrument from a menu provided by a social networking organization; and validating the instrument upon redemption from the product vendor. In the first phase, the product vendor selects elements from the menu relevant to the campaign, such as timing, nature of the offer, targeting of the recipients, etc. In the second phase, the instrument is encoded as to the marketing campaign and an arbitrary designation which initiates a pattern as the instrument is redeemed. The product vendor inspects the instrument to ensure that the encoding is correct during the redemption process. | 2022-01-20 |
20220020051 | BENEFIT DISTRIBUTION APPARATUS, METHOD, AND NON-TRANSITORY COMPUTER READABLE MEDIUM - An arrival time acquisition unit acquires a time at which a user has arrived at an airport. A length of stay information generation unit calculates a length of stay based on the time at which the user has arrived and a scheduled boarding time of an aircraft on which the user is scheduled to board and generates length of stay information including the length of stay. A behavioral characteristic estimation unit estimates a behavioral characteristic of the user based on the generated length of stay information and a behavioral characteristic table. A benefit determination unit refers to a benefit information table and determines benefit information to be distributed to the user based on the estimated behavioral characteristic. A benefit transmission unit transmits the determined benefit information to a terminal apparatus carried by the user. | 2022-01-20 |
20220020052 | Replacement Advertising Selection Using Viewer Switching Behavior and Pay Points - In one aspect, an example method includes (i) obtaining historical content consumption data for a content-presentation device; (ii) determining, using the historical content consumption data, a first probability of the content-presentation device viewing at least a first amount of a first advertisement segment and a second probability of the content-presentation device viewing at least a second amount of a second advertisement segment; (iii) determining a first estimated value of serving the first advertisement segment based on the first probability and a first cost of the first advertisement segment; (iv) determining a second estimated value of serving the second advertisement segment based on the second probability and a second cost associated with the second advertisement segment; (v) selecting the first advertisement segment based on the first estimated value being greater than the second estimated value; and (vi) causing the first advertisement segment to be transmitted to the content-presentation device. | 2022-01-20 |
20220020053 | APPARATUS, SYSTEMS AND METHODS FOR ACQUIRING COMMENTARY ABOUT A MEDIA CONTENT EVENT - A query session system and method is operable to determine a current location of a consumer conversation acquisition system when the consumer conversation acquisition system is a mobile electronic device or determine a current operation of the consumer conversation acquisition system when the consumer conversation acquisition system is stationary. Stored state information corresponding to the determined location or operation is accessed that identifies one of a receptive state of the consumer, an unreceptive state of the consumer, or optionally an indeterminate state of the consumer. The query session is presented to the consumer when the consumer is the receptive state. A query session presents a series of audible questions to the consumer that pertain to a subject media content event that the consumer has previously consumed. Responses of the consumer to each one of the presented audible questions of the query session are acquired and are saved. | 2022-01-20 |
20220020054 | BEHAVIORAL CONTENT DISCOVERY - A system and a method for automatically collecting content, the method comprising the steps of: defining a plurality of content sites, creating a collection of virtual agents data including user characteristic data and user behavioral data, presenting the collection of virtual agents to the plurality of content sites; receiving content from the visited internet site; and storing the received content or presenting it to a user. | 2022-01-20 |
20220020055 | SYSTEMS AND METHODS FOR MANAGING AND CONTROLLING ELECTRONIC MESSAGING CAMPAIGNS - Methods and systems for managing messaging campaigns are disclosed. A set of parameters are received for a proposed messaging campaign. Based on a trust indicator associated with the proposed messaging campaign, it is determined that the proposed messaging campaign should be blocked. At least one tracked message is transmitted to at least one selected recipient, where the tracked message is at least a subset of messages for the proposed messaging campaign. If a rejection metric associated with the tracked message passes a rejection threshold, messages are transmitted to the remaining recipients. | 2022-01-20 |
20220020056 | SYSTEMS AND METHODS FOR TARGETED ADVERTISING - Methods of generating recommendations may include obtaining social network data from one or more network resources. Word relationships may be created between selected words in the social network data to produce relationship data. Advertisement or other asset recommendations may be generated for a target user by analyzing browse information of the target user to identify one or more words. Other words in the relationship data may be identified that are related to the words in the target user's browse information. One or more advertisements may be identified having at least one keyword that corresponds to the other words. At least a portion of these advertisements may be selected from a data repository to provide to the target user. | 2022-01-20 |
20220020057 | SYSTEMS AND METHODS FOR IDENTIFICATION OF PREDICTED CONSUMER SPEND BASED ON HISTORICAL PURCHASE ACTIVITY PROGRESSIONS - Technologies for identifying prospective marketing targets based on payment vehicle-based payment transactions processed over electronic payment networks are disclosed. Payment vehicle-based payment transactions are analyzed to determine historical purchase activity progressions. Consumer behavior can be mapped to a historical purchase activity progression so that future spend behavior of the consumer can be identified. | 2022-01-20 |
20220020058 | SYNCHRONIZING ADVERTISEMENTS - An apparatus and method for synchronising advertisements published on a group communications network with advertisements in a broadcast, the apparatus comprising: a receiver for receiving broadcast data; a communications interface in communication with a group communications network; a broadcast data content extractor adapted to derive search terms and advert data from the received broadcast data, the advert data relating to an advert received in the broadcast data, wherein on receipt of a query by a user of the group communications network, the query comprising one or more of the search terms, the communications interface publishes a group communication comprising at least a portion of the advert data on the group communications network. | 2022-01-20 |
20220020059 | METHOD AND SYSTEM FOR RECOMMENDING PROMOTIONS TO CONSUMERS - Embodiments provide computer systems, computer-executable methods and one or more non-transitory computer-readable media for offering one or more promotions to consumers using a promotion and marketing service. User input may be received from a first consumer interface associated with a first consumer, the user input including an interest indication relating to a first promotion. An association between the first consumer and a second consumer for sharing of promotions may be programmatically retrieved or generated. Based on the association, it may be determined whether to offer the first promotion to the second consumer based on one or more characteristics associated with the second consumer. Based on a determination that the first promotion should be offered to the second consumer, an indication may be outputted, the indication configured to cause an impression of the first promotion to be generated on a second consumer interface associated with the second consumer. | 2022-01-20 |
20220020060 | CLIENT DRIVEN CLIENT STEERING - Aspects of the present disclosure are drawn to a client device for use with a first APD and a HNC. The first APD and HNC provide a wireless local area network for the client device and access to an external network to the client device. The client device includes a memory and a processor, which is configured to execute instructions stored on the memory. These instructions allow client device to: access the external network via the WLAN by way of the first access point device to perform a function; determine a steering opportunity for steering said client device based on the performance of the function; transmit a steering opportunity signal, based on the determined steering opportunity, to the home network controller; receive a steering request to steer said client device at a steering time based on the steering opportunity; and transmit a steering response honoring the received steering request. | 2022-01-20 |
20220020061 | APPARATUSES AND METHODS FOR POPULATING INVENTORY ASSOCIATED WITH CONTENT ITEMS IN ACCORDANCE WITH EMOTIONALLY GUIDED PLACEMENTS AND ADAPTATIONS - Aspects of the subject disclosure may include, for example, obtaining first data associated with a first presentation of a first portion of a first video, obtaining second data, wherein the second data is obtained: from a creator of the first video, by performing an analysis on the first portion of the first video, or a combination thereof, identifying an emotional trajectory of a first user during the first presentation in accordance with the first data and the second data, selecting a first creative in accordance with the emotional trajectory, and transmitting the first creative to a first communication device. Other embodiments are disclosed. | 2022-01-20 |
20220020062 | SYSTEM AND METHOD FOR DELIVERING TARGETED ADVERTISEMENTS AND/OR PROVIDING NATURAL LANGUAGE PROCESSING BASED ON ADVERTISEMENTS - The system and method described herein may use various natural language models to deliver targeted advertisements and/or provide natural language processing based on advertisements. In one implementation, an advertisement associated with a product or service may be provided for presentation to a user. A natural language utterance of the user may be received. The natural language utterance may be interpreted based on the advertisement and, responsive to the existence of a pronoun in the natural language utterance, a determination of whether the pronoun refers to one or more of the product or service or a provider of the product or service may be effectuated. | 2022-01-20 |
20220020063 | STRUCTURED INFORMATIONAL LINK ANNOTATIONS - Methods, systems, and apparatus include computer programs encoded on a computer-readable storage medium. A method includes: for each of a plurality of content items in an inventory of content items: identifying an entity associated with the content item and a plurality of page types for a vertical associated with a product or service described in the content item; locating a plurality of informational pages associated with the entity; classifying each informational page based on the page types; identifying queries associated with the entity, wherein a query is used as a selection criteria for delivering one or more content items associated with the entity; for each informational page of the plurality of informational pages determining relevant queries from the identified queries; and storing in a data structure an association between the content item, data associated with the relevant queries and associated informational pages. | 2022-01-20 |
20220020064 | FEATURE PROCESSING METHOD AND APPARATUS FOR ARTIFICIAL INTELLIGENCE RECOMMENDATION MODEL, ELECTRONIC DEVICE, AND STORAGE MEDIUM - This application provides a feature processing method and apparatus for an artificial intelligence (AI) recommendation model, an electronic device, and a storage medium. The method includes obtaining input data, and converting a data structure of the input data into a uniform sample structure; determining a feature group identifier and a feature extraction function that correspond to the AI recommendation model; extracting a feature group identifier, a feature identifier and a feature value of the input data from the converted input data according to the feature extraction function; and constructing a sample of the AI recommendation model according to the feature group identifier, the feature identifier and the feature value of the input data. | 2022-01-20 |
20220020065 | Ad Exchange Bid Optimization with Reinforcement Learning - A system for training a bidding model comprising: a plurality of tactics stored on at least one database; a plurality of hyperparameters; in response to an available inventory from a publisher relayed through a real time bid server, computing a bid on the available inventory; sending the bid to the real time bid server; receiving an auction result in response to the bid; calculating a plurality of rewards based on the auction result and the tactics; calculate a plurality of q values based on the rewards; calculate a plurality of losses; backpropogating the losses through the bidding model. | 2022-01-20 |
20220020066 | CONTENT SERVER FOR MANAGING MEDIA DATA BETWEEN PUBLISHERS, THIRD-PARTY NETWORKS, AND A COMPUTING DEVICE - A content server for managing media data between one or more publishers, third-party networks, and a computing device is disclosed. The content server includes one or more processing units and a computer-readable media. The computer-readable media stores instructions that, when executed by the one or more processing units, cause the content server to perform operations that include receiving, as an intermediary, a request from the computing device for information content from a specific publisher of the one or more publishers; requesting the information content from the specific publisher, wherein the information content includes advertising-related content and/or non-advertising-related content; receiving, from the specific publisher, the information content within a first media data; detecting the advertising-related content and/or non-advertising-related content within the information content; modifying the advertising-related content and/or non-advertising-related content to produce a modified information content; producing and inserting an execution code into the modified information content to produce a second media data; serving the second media data to the computing device; receiving from the computing device a request for the advertising-related content and/or non-advertising-related content; requesting the advertising-related content and/or non-advertising-related content from the third-party network; receiving the advertising-related content and/or non-advertising-related content from the third-party network; modifying the advertising-related content and/or non-advertising-related content to produce a modified advertising-related content and/or non-advertising-related content; inserting the modified advertising-related content and/or non-advertising-related content into second media data to produce an updated second media data; and serving the updated second media data to the computing device in a manner where it may be accessed by the computing device when the execution code is invoked by an end user of the computing device. | 2022-01-20 |
20220020067 | TAXIMETER, SYSTEM AND METHOD FOR A TAXI - A taximeter apparatus, system and method for a taxi are disclosed. In one aspect, the taximeter apparatus includes a processing system including a memory having stored therein a plurality of computer applications. The processing system is configured to receive a route from a server via a network. The route is indicative of at least a start location or a destination location for a passenger. The processing system is also configured to receive a fare from the server based on the route, receive geographical coordinates as the taxi progresses from the start location to the destination location, and use the geographical coordinates to confirm the destination was reached. The processing system causes a payment application to facilitate electronic payment of the fare after confirming the destination was reached. | 2022-01-20 |
20220020068 | METHOD FOR GENERATING BILLING INFORMATION, TERMINAL, SERVER, AND SYSTEM - Disclosed are a method for generating billing information, a terminal, a server, and a billing system. The method for generating billing information comprises: receiving an end billing request transmitted by a terminal, the end billing request comprising location information of the terminal and bus information; and executing, on the basis of the location information of the terminal and of the bus information, an end billing operation with respect to a first terminal from which the distance to a bus is greater than a distance threshold. | 2022-01-20 |
20220020069 | SECURELY FACILITATING EXTENDED USE OF AN EXCHANGE ITEM - A method includes establishing an agreement between a first issuing server and a second issuing server regarding first exchange items to have an extended use. The method further includes establishing control of an exchange item of the first exchange items in accordance with a trust approach that includes the marketplace server utilizing a private key of a marketplace private/public key pair to generate a digital signature over a public key of the marketplace private/public key pair and exchange item information regarding the exchange item to produce a portion of a transactions blockchain. The method further includes transferring control of the exchange item to a user computing device. The method further includes receiving a request for use of the exchange item from a merchant server regarding a transaction by the user computing device and processing the request for use of the exchange item in accordance with an exchange item rule. | 2022-01-20 |
20220020070 | OPTIMIZATION OF DATA QUEUE PRIORITY FOR REDUCING NETWORK DATA LOAD SPEEDS - There are provided systems and methods for optimization of data queue priority for reducing network data load speeds. A user may utilize a communication device to access an online resource and request data, such as server data from an online server. The online resource may determine a user profile associated with the user and/or device, which may include previous online actions and completion information for electronic transaction processing with one or more online entities. Using the profile, the server may optimize a data queue for data delivery to multiple devices depending on the devices' data requests and priority. The server may deliver data to the devices based on the data queue. The server may also update the user profile based on additional device actions with the server. These techniques may be particularly useful for prioritizing requests during peak server resource usage. | 2022-01-20 |
20220020071 | SYSTEM FOR COLLABORATIVE TRANSACTIONS - A dedicated device for permitting time-based collaborative contributions for services, said dedicated device in communication with a database; the dedicated device adapted to receive input from one or more users; said device permitting said users individually and separately to make a contribution in a predetermined amount towards a designated target contribution amount. | 2022-01-20 |
20220020072 | SHOPPING SUPPORT SYSTEM AND SHOPPING SUPPORT METHOD - In one embodiment, a shopping support system has a server and a store terminal. The server stores user identification information including information of a group capable of identifying the group to which the user belongs, and shopping memo information which is associated with the user identification information, and includes information of a commodity to be purchased by the user, in a storage device. The store terminal repeatedly acquires the shopping memo information which is associated with the information of the group capable of identifying the group to which the user in whom login has been permitted belongs, from the server at a periodic prescribed timing. | 2022-01-20 |
20220020073 | METHODS AND SYSTEMS FOR ACCESSING INFORMATION RELATED TO AN ORDER OF A COMMODITY - Methods of allowing a customer to access information related to an order of a commodity include gathering inspection information from a commodity lot, collecting grower, field, and packing information associated with the commodity lot, recording purchase orders associated with the commodity lot, assigning a trace code to each of the purchase orders, entering the inspection information; the grower, field, and packing information; the purchase orders; and the trace codes into a database maintained through online accounts. Many members of a supply chain are entitled to accounts that are linked, each account being given limited access to other accounts, thereby allowing the customer to access the inspection information, and the grower, field, and packing information, by entering one of the trace codes into the web-based application. According to one exemplary embodiment, each of the purchase orders associated with the commodity lot is linked within the web-based application. | 2022-01-20 |
20220020074 | System and Method for Automatically Generating Online Quote for Team or Service - A system for automatically generating an online quote for a team or service is provided. The system includes a database including data on jobs and skills. The system includes a processor and an application. The application is configured to receive, via an online interface, qualification information required for either a team or a service in need and identify at least one match between the qualification information and the data in the database. The application is configured to process the qualification information and generate a quote for the at least one match for the team or service based on the processed qualification information. A method for generating a quote for a team or service is also provided. | 2022-01-20 |
20220020075 | SYSTEM FOR CROWDSOURCING QUESTIONS AND CROWDFUNDING THEIR ANSWERS - The inventions described herein relate to the field of online crowdfunding. More specifically, the embodiments described include an online interface for crowdsourcing questions and crowdfunding their answers. | 2022-01-20 |
20220020076 | DRIVING COMPUTER DISPLAYS WITH CUSTOMIZATION OPTIONS AND COLLECTING CUSTOMIZATION SPECIFICATIONS - A product image depicting a customizable product with one or more annotations is displayed. Each annotation of the one or more annotations identifies an attribute group location upon the customizable product that represents an attribute group comprising one or more attributes of the customizable product that may be customized. A selection of a particular attribute group location of the attribute group location identified by the one or more annotations is received. The particular attribute group location represents a particular attribute group. In response to receiving the selection, information relating to one or more attributes included in the particular attribute group is displayed. An attribute selection shape comprising a plurality of regions, each of which represent an attribute of the particular attribute group may be displayed. | 2022-01-20 |
20220020077 | SYSTEM AND METHOD FOR INTELLIGENT CONTEXT-BASED PERSONALIZED BEAUTY PRODUCT RECOMMENDATION AND MATCHING - A system and method for intelligent context-based personalized beauty product recommendation and matching, comprising a data extraction engine, individual profiles of intended users stored in one or more user databases, one or more product databases, a skin analysis engine, and a data analysis and recommendation engine, which gathers a plurality of customer responses regarding fact-based input including locational data, concern-based input, preference-based input, and goal-based input, winch uses the customer responses and environmental conditions to create a requirement vector, and which uses the requirement vector as an input into one or more machine and deep learning algorithms to generate as output personalized beauty product recommendations. | 2022-01-20 |
20220020078 | SYSTEM AND METHOD FOR A BETTER FITTING WEARABLE ITEM - A method includes a processor receives consumer first data and consumer feedback associated with a wearable item. The processor aggregates the consumer first data and the consumer feedback into a plurality of first aggregated subsets based on a portion of the consumer first data and the consumer feedback. The processor grants a wearable item source device of a plurality of wearable item source devices access to the consumer first data, the consumer feedback or the plurality of first aggregated subsets. A wearable item source associated with the wearable item source device of the plurality of wearable item source devices, modifies a solid form of a wearable item mold in an assembly process or a wearable item design for the solid form of the wearable item mold in the assembly process, based on the consumer first data, the consumer feedback or the plurality of first aggregated subsets. | 2022-01-20 |
20220020079 | Paperless Tasting Menu Order Ship Events - The present invention discloses an paperless ordering computer application that interacts with AMS (Advanced Management Systems) which is a premier provider for wine industry information systems. The said system interacts with the wineries to keep track of inventory, wines, prices, merchandise, shipping, and events, reservations, etc. This will be a payment system that connects with AMS, which is also connected to the wineries to order. | 2022-01-20 |
20220020080 | Data Entity Revisions for an Offline Database - A method for processing user orders for products may include receiving an order for an order quantity of the product from a user computing device, determining that the order management system cannot communicate with the inventory management system to reserve the order quantity of the product, retrieving a last known inventory quantity of the product, retrieving an offline demand quantity for the product, transmitting a confirmation of the order to the user computing device when the sum of the order quantity and the offline demand quantity of the product is less than or equal to the last known inventory quantity of the product, and transmitting a denial of the order to the user computing device when the sum of the order quantity and the offline demand quantity of the product is greater than the last known inventory quantity of the product. | 2022-01-20 |
20220020081 | Virtual signing events - An example virtual signing even can include to establish a first video connection with the celebrity; establish a second video connection with a customer; connect the first video connection to the second video connection to facilitate a virtual face-to-face interaction between the celebrity and the customer; confirm signing of at least one item by the celebrity during the virtual face-to-face interaction; and facilitate shipping of the at least one item to the customer | 2022-01-20 |
20220020082 | RENTAL INFORMATION GENERATION DEVICE, SECONDARY-BATTERY MANAGEMENT DEVICE, USER TERMINAL DEVICE, COMPUTER PROGRAM, AND RENTAL INFORMATION GENERATION METHOD - A rental information generation device includes: a requirement information acquisition unit configured to acquire requirement information of a user regarding use of an electric vehicle equipped with a secondary battery; a stock information acquisition unit configured to acquire stock information of objects including at least either one of a secondary battery and an electric vehicle; a decision unit configured to decide an object selection condition on the basis of the acquired requirement information and stock information; and a generation unit configured to generate rental information regarding an object to be rented out to the user on the basis of the decided selection condition. | 2022-01-20 |
20220020083 | AI SYSTEM FOR PROCESSING HISTORICAL DATA TO IDENTIFY AND RECONFIGURE PRESCHEDULED, SUBOPTIMAL EVENTS - An entity may generate generic notifications for transmittal to a plurality of customers. One of the notifications may not be properly customized for a customer to whom the notification is scheduled for deployment. A system is provided that generates and refines generic notifications using artificial intelligence (“AI”). The system may include an application server running an AI engine for periodically monitoring, at a given point in time, historical customer data relating to less than a predetermined number of customers to ensure reduced, relative to a predetermined baseline, processing usage. The AI engine may determine, during the monitoring, that notifications transmitted by the platform to one of the customers have failed to elicit a positive response from the customer. The determination may prompt the AI engine to put the generic notification on hold for the customer and to perform additional steps to alter the generic notification to a targeted notification. | 2022-01-20 |
20220020084 | ACCOUNT ASSIGNMENT MANAGER FOR COLLECTION AND RECOVERY - Computer-implemented methods and systems for account assignment, collection and recovery are provided. The method may include providing, in a graphical user interface, one or more options for selecting a plurality of accounts, the one or more options including a first graphical user interface feature that allows a user to provide or select at least one filtering criteria based on which a set of accounts from among the plurality of accounts is selected. A list of plurality of collection agencies may be provided such that a user may select one or more collection agencies from the list by interacting with a second graphical user interface feature. | 2022-01-20 |
20220020085 | SYSTEM AND METHOD FOR PROVIDING AUTOMATED PREDICTIVE INFORMATION ON A USER INTERFACE - A computing device configured to communicate with a display for a user interface of a data management application for presenting predictive resource information on the display. The computing device monitors an account history on an account associated with a user of an institution comprising: data defining operations performed on the account over a period of time and metadata characterizing each product held on the account. The computing device also monitors online actions resulting from interactions with the user interface for the account. Based on the history and the online actions, the computing device predicts a user's interest for subsequent information for the user interface; determines resources related to the user's interest and proactively presents on the user interface, in real-time, the resources along with account information for performing one or more account operations in a consolidated view for subsequent interaction. | 2022-01-20 |
20220020086 | VEHICLE DEALERSHIP DATA MANAGEMENT SYSTEM - A vehicle dealership data management system is disclosed, comprising at least one database configured to store a plurality of vehicle information, customer information, sales information, and finance information, each provided on a display of a computing device. A server engine is in operable communicate with the database via a server, the server engine operating a sales module, an inventory module, and a financing module. A communications module transmits communication between the sales module, the inventory module, and the financing module. | 2022-01-20 |
20220020087 | DETECTION OF MARKET ABUSE PATTERNS BY ARTIFICIAL INTELLIGENCE - An approach for training a machine learning model to detect market abuse patterns based on graphical images is disclosed. The approach comprises of creating trade event graphical images based on one or more rules and creating trade risk event graphical images represented by one or more horizontal lines and one or more vertical lines wherein the one or more vertical lines are based on unstructured data. The approach trains a model of a machine learning network to detect market abuse patterns based on the trade event graphical images and the trade risk event graphical images. | 2022-01-20 |
20220020088 | DEVICE AND METHOD FOR ASSIGNING VIRTUAL OBJECT RECORDING ELECTRONIC VOUCHER BASED ON BLOCK CHAIN - A method for assigning virtual object in a block chain system obtains an amount of virtual currency owned by each block chain account, and assigns a number of electronic vouchers to each block chain account based on the amount of virtual currency owned by each block chain account. Special electronic vouchers with authority of reward distribution according to a predetermined extraction rule are determined, and virtual currency is assigned to each block chain account based on the number of special electronic vouchers owned by each block chain account. A device for assigning virtual object is also provided. | 2022-01-20 |
20220020089 | DIFFERENTIAL PRIVACY FOR AXE OBFUSCATION - A method and a system for using differential privacy techniques to provide axe obfuscation with respect to information included in an inventory axe list of available securities is provided. The method includes: obtaining first information to be included in a first inventory axe list to be published on a particular day; retrieving second information included in a second inventory axe list that was published on the previous day and/or several previous days; obfuscating the obtained first information by applying an algorithm based on the difference between the first information and the second information; and publishing the first inventory axe list by transmitting the obfuscated first information to a plurality of intended recipients. The quality of obfuscation may be measured and controlled as a function of desired privacy level and potential cost. | 2022-01-20 |
20220020090 | Dynamic Information Configuration and Display - A system, method, and non-transitory computer-readable information recording medium displays information to a user. Market data related to a plurality of tradeable objects is received from an exchange at a trading device. The display of market data related to each tradeable object is separately controlled. If the user is not paying attention to the market data of a particular tradeable object, then the dissemination of the market data for that tradeable object may be temporarily stopped until the user starts paying attention to that tradeable object. | 2022-01-20 |