06th week of 2022 patent applcation highlights part 50 |
Patent application number | Title | Published |
20220044217 | SYSTEMS AND METHODS FOR DETERMINING TIMING OF A REMITTANCE PAYMENT - A method includes, based on a request from a payor to initiate a remittance payment, determining a start time for processing the remittance payment and calculating an initial processing duration attributable to a remittance provider computer system and associated with the remittance payment. The method also includes determining availability of a partner associated with the remittance provider computer system to process the remittance payment, wherein the availability of the partner is determined according to the start time and the initial processing duration and based on calendar information received from the partner. The method also includes calculating a partner processing duration for the partner to process the remittance payment, and calculating a date of availability for a payee to access the remittance payment, wherein the date of availability is calculated based on the availability of the partner to process the remittance payment and the partner processing duration. | 2022-02-10 |
20220044218 | Payments Using Electronic Documents - An example method for processing an electronic statement includes: receiving a biller identifier, the biller identifier being known to a payer; populating the biller identifier in the electronic statement, the electronic statement being an electronic document including financial information; encrypting the electronic statement including the biller identifier; sending the encrypted electronic statement including the biller identifier to the payer; and receiving authorization from the payer to make a payment identified in the electronic statement. | 2022-02-10 |
20220044219 | Method and System for Routing Payment Transactions of a Payment Account - Disclosed herein is a method and system for routing payment transactions of a payment account. After the payment transaction is initiated, a payment server identifies flag information from the payment request indicating a payment account to be multi-configurable. When the payment server identifies that the payment request is from the POS device, the payment server retrieves primary configuration details corresponding to the payment account from a routing service and routes the payment transaction for the payment request to an issuer corresponding to the primary configuration details. Further, when the payment server identifies that the payment request is from a payment gateway, the payment server retrieves a list of names of configuration details corresponding to the payment account from the routing service for selection. Upon selection, the payment server retrieves configuration details corresponding to the selected issuer and routes the payment transaction to the issuer for completing the payment transaction. | 2022-02-10 |
20220044220 | MERCHANT DEVICES AND COMPUTER-BASED SYSTEMS INVOLVING COMPONENTS FOR MANAGING CASH TRANSACTIONS AT CASH-ONLY RETAIL LOCATIONS AND METHODS OF USE THEREOF - Merchant devices, systems and methods designed to provide and/or process cash transactions for customers of cash-only retail locations without need for traditional ATMs. In one embodiment, an exemplary POS terminal device may comprise a housing, dimensioned to install at a cash-only retail location, the housing having a cash storage receptacle and a cash management component configured to handle electronic cash transaction requests, and a communication component configured to transmit the respective electronic cash transaction requests. Further, the cash management component may include a reader component for interacting with a transaction card and/or device of a customer, an authentication component configured to scan and authenticate cash bills, a cash bills intake component, and a cash bills dispensing component. Accordingly, cash-only retail locations may implement such specialized devices and process transactions in ways avoiding reliance on traditional ATMs, such as those leased from third parties. | 2022-02-10 |
20220044221 | CLEARING AND SETTLEMENT DEVICE, AND UNMANNED STORE SYSTEM - A cost calculation and payment device includes: a main body provided with a placement portion on which merchandise items are placed; a first camera for capturing an image of the merchandise items placed on the placement portion; a second camera for capturing an image of a face of the user; a controller for performing a process related to cost calculation by recognizing the merchandise items in question based on a merchandise item image acquired by the first camera and to perform a process related to face authentication based on a face image acquired by the second camera; a display for displaying a cost calculation result and a payment result acquired by the controller, and a projector for projecting an image onto the placement portion, wherein the display is disposed in a vicinity of the placement portion. | 2022-02-10 |
20220044222 | WEARABLE PAYMENT DEVICE - A wearable device receives authentication information from a user. In response to verifying the authentication information, the wearable device provides the user with access to one or more payment capabilities of the wearable device. In response to determining that the wearable device has been switched into an open state, the wearable device removes access to the one or more payment capabilities of the wearable device. | 2022-02-10 |
20220044223 | METHOD AND SYSTEM FOR FACILITATING SECURE PAYMENT TRANSACTIONS - A method for facilitating payment transactions includes receiving, by a server, a flash code request indicative of a transaction amount. A flash code associated with the transaction amount is communicated by the server to the payer device. The flash code is encoded into a flash pattern at the payer device and communicated to a payee device of a payee for executing a payment transaction between the payer and the payee. A first request for the payment transaction is received by the server from the payee device. The first request includes the flash code obtained by decoding the flash pattern at the payee device. The flash code included in the first request is validated by the server. Based on successful validation of the flash code, the transaction amount is deducted from a payer account of the payer and credited to a payee account of the payee. | 2022-02-10 |
20220044224 | SECURE COMMUNICATIONS BETWEEN FUELING STATION COMPONENTS - A selection of a fueling station item, graphically depicted on a display of a fuel dispenser and corresponding to an available fueling station product, can be received by at least one data processor of a fuel dispenser. A two dimensional barcode based on the selected fueling station item can be determined. The two dimensional barcode can be provided to the fuel dispenser display for graphical depiction on the fuel dispenser display. | 2022-02-10 |
20220044225 | SYSTEM FOR WHEELCHAIR-BASED NEAR FIELD COMMUNICATION (NFC) PAYMENT EXTENSION AND STANDARD - A payment facilitating and processing system includes a payment terminal. The payment terminal includes a processor and a first receiver. The first receiver is configured to communicate with the processor. The payment facilitating and processing system further includes a second receiver, which is also configured to communicate with the processor. The payment facilitating and processing system still further includes a mobility assistance device including a transmitter. The transmitter is configured to receive payment information from a payment apparatus and transmit the payment information to the second receiver upon positioning of the transmitter in close proximity to the second receiver. | 2022-02-10 |
20220044226 | System and method for storing credit on a value card or cellular phone rather than accepting coin change - A balance card the always maintains a balance between $0.00 and $0.99 that provides cents amount to any transaction involving a dollar amount and cents amount. If the card balance is high enough to cover the cents amount of the transaction, that is subtracted from the card. If the card balance is not high enough, the total transaction amount is augmented by $1.00 and the change amount from this is added to the card. | 2022-02-10 |
20220044227 | SYSTEM AND METHOD FOR MERCHANT AND PERSONAL TRANSACTIONS USING MOBILE IDENTIFICATION CREDENTIAL - In an example involving a transaction conducted between a first party using a user mobile-identification-credential device (UMD) and a second party using a relying party system (RPS), RPS receives a request from UMD for transfer of an item, requests identification information of the first party from UMD, receives, based on consent of the first party, some or all user ID information associated with a mobile identification credential (MIC) which UMD received from an authorizing party system (APS), receives verification of the received user ID information, uses the verified user ID information to verify or not verify an identity of the first party, grants the request to transfer the item in exchange for payment or another item to be transferred from the first party to the second party when the identity of the first party is verified, and denies the request when the identity of the first party is not verified. | 2022-02-10 |
20220044228 | CONTROL METHOD, DATA GENERATION DEVICE, AND RECORDING MEDIUM - A control method includes: generating first transaction data including latest information acquired by a first time, and transmitting the first transaction data to a first server; checking a block recorded in a distributed ledger of the first server at a second time that happens one or more times after the first time to determine, when second transaction data next to the first transaction data is generated at the second time, whether a first block included when the first transaction data is recorded into the distributed ledger is different from a second block included when the second transaction data is recorded into the distributed ledger; and when it is determined that the first block is different from the second block, generating, at the second time or thereafter, the second transaction data that includes latest information acquired after the first time, and transmitting the second transaction data to the first server. | 2022-02-10 |
20220044229 | SYSTEMS AND METHODS FOR PEER-TO-PEER TRANSMISSION OF DIGITAL ASSETS - This disclosure relates to transaction systems and particularly to transaction systems of a peer-to-peer nature for digital assets. The asset transfer system may store user, user accounts, and transaction information in associated logic tables within a memory of a server hosting the asset transfer system. Through the use of, but limited to, curl functions, the asset transfer system may communicate with remote servers housing user wallets and user wallet information to perform transactions of digital assets between users. Before verification and proof of work can be established to complete the transfer of digital assets, the asset transfer system may report to the users of a transaction the details of the transaction. Users of the asset transfer system need not know encrypted or random keys to perform such digital asset transactions and may transfer digital assets only by identification of a username stored within the asset transfer system. | 2022-02-10 |
20220044230 | SYSTEM AND METHOD FOR SECURE ACCEPTANCE OF CUSTOMER CREDIT CARD NUMBERS - A method and system may provide a secure credit card payment service which allows a merchant to store credit cards without storing credit card data on merchant servers. The customer, via a web-enabled device, transmits a request to register a credit card and receives from the merchant server, a credit card registration webpage where the customer may provide credit card data and customer data. In response to receiving the credit card data and the customer data, the web-enabled device transmits the credit card data to a token server that stores the credit card data and receives a token from the token server. In response to receiving the token, the web-enabled device transmits the token and the customer data to the merchant server for processing subsequent credit card payment transactions. | 2022-02-10 |
20220044231 | ATTEMPT ASSISTANCE SYSTEM - An attempt assistance system includes a terminal contract generation unit that transmits, to a blockchain network, a contract condition including a condition for achieving a task and a period for attempting the task, an amount of funds to be deposited for the task, a fund distribution setting for a success of the task, and a fund distribution setting for a failure of the task; and a judgment data transmission unit that transmits, to the blockchain network, judgment data used for judging whether the contract condition has been satisfied. | 2022-02-10 |
20220044232 | ELECTRONIC DOCUMENT PLATFORM - Systems, methods, and computer-readable media are provided in relation to electronic document platforms. An example method may include receiving a new electronic letter of credit request, the request identifying letter of credit parameters, and at least one condition of the letter of credit associated with corresponding party profiles; obtaining a public key associated with each of the party profiles; generating a plurality of blocks on a distributed ledger on a node of a distributed plurality of nodes, each of the blocks associated with a corresponding condition of the at least one condition to be effected and encrypted with a public key corresponding to the party profile associated with the condition; and generating signals to initiate propagation of the plurality of blocks to the distributed plurality of nodes. | 2022-02-10 |
20220044233 | METHOD, SYSTEM, AND COMPUTER PROGRAM PRODUCT FOR NETWORK BOUND PROXY RE-ENCRYPTION AND PIN TRANSLATION - A method, system, and computer program product generate, with a payment network, a first value (a) and a second value (g | 2022-02-10 |
20220044234 | SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR EXCHANGING TRANSACTION DATA - Disclosed are methods for exchanging transaction data, including transmitting a first public encryption key from a first computing device via a near field communication (NFC) connection, receiving transaction data associated with a transaction at the initiating device via the NFC communication connection, generating a transaction message associated with the transaction based on the transaction data associated with the transaction and the first public encryption key, encrypting at least a portion of the transaction message associated with the transaction with a second public encryption key; determining that a network communication connection to a payment processing network different from the NFC communication connection can be established, and transmitting the transaction message via the network communication connection based on determining the network communication connection to the payment processing network can be established. A system and a computer program product are also provided. | 2022-02-10 |
20220044235 | METHOD AND SYSTEM FOR PAYMENT CARD VERIFICATION VIA BLOCKCHAIN - A method for conveyance of payment credentials through a third party data source includes: storing, in a memory of a computing device, at least a first public key and payment credentials associated with a transaction account; generating, by a generation module of the computing device, a machine-readable code encoded with at least the first public key; displaying, by a display device interfaced with the computing device, the generated machine-readable code; generating, by the generation module of the computing device, a key pair comprised of at least a private key and a second public key; encrypting, by an encryption module of the computing device, the payment credentials using the private key; and electronically transmitting, by a transmitting device of the computing device, the encrypted payment credentials to a publicly accessible data source. | 2022-02-10 |
20220044236 | SYSTEM AND METHOD FOR PROCESSING SECURE TRANSACTIONS USING ACCOUNT-TRANSFERABLE TRANSACTION CARDS - In a method for activating account-variable transaction cards having private and public card encryption keys stored therein, private and public personal keys are associated with an account and transmitted to an account holder device. A request for activation of an account-variable transaction card is received by a central processor from the user device. The request includes information encrypted using at least the private personal key and the private card key. The central processor associates an account function with the account-variable transaction card and initiates via a first node in a distributed consensus network, an account blockchain associated with the account and the account-variable transaction card. | 2022-02-10 |
20220044237 | SYSTEMS AND METHODS FOR INITIALIZATION AND ACTIVATION OF SECURE ELEMENTS - Disclosed herein are secure transaction systems having secure elements that are initialized and activated independent from each other. The secure element is first initialized to make the secure element turn to a state in which the secure element can be packaged, sold within retail stores, and then injected with encryption keys. The initialization process of the secure element formulates the secure element to ensure trust between the secure elements and secure element activation servers. The process of independently initializing and activating the secure elements while still addressing the security protocols allows the secure element to be packaged and sold within retail stores after initialization, and then activating the secure element at a later date and time when the secure element is ready to be used by a merchant. | 2022-02-10 |
20220044238 | REAL-TIME DETERMINATION OF COUNTERPARTY GEOLOCATION BASED ON STRUCTURED MESSAGING DATA - The disclosed embodiments include computer-implemented processes that determine, in real time, counterparty geolocation location based on structured messaging data, such as messaging data maintained within message fields of a request-for-payment (RFP) message compliant with the ISO 20022. For example, an apparatus may receive a RFP message that includes message data associated with a transaction involving first and second counterparties, and the RFP message may characterize a real-time payment requested from the second counterparty by the first counterparty. The apparatus may determine a geographic position of the first counterparty based the message data, and based on the first geographic position, transmit notification data to a device operable by the second counterparty. The notification data may cause the device to present digital content associated with at least one of the transaction, the first counterparty, or the second counterparty within a digital interface. | 2022-02-10 |
20220044239 | ENCODING ONE-TIME PASSWORDS AS AUDIO TRANSMISSIONS INCLUDING SECURITY ARTIFACTS - An authentication server computing device is provided. The authentication server computing device is configured to receive a transaction request from an audio interface device, generate a first audio file including a first audio transmission, wherein the first audio transmission includes a primary security artifact and at least one secondary security artifact and the primary security artifact is an encoding of a one-time password, store a reference data file including the first audio transmission, transmit the first audio file to a verified user computing device associated with the account identifier, receive a second audio file from the audio interface device, wherein the second audio file includes a second audio transmission, verify the second audio transmission by comparing the second audio transmission to the reference data file including the primary security artifact and the at least one secondary security artifact, and authorize the transaction based on verifying the second audio transmission. | 2022-02-10 |
20220044240 | Three Party Authentication Using Quantum Key Distribution - An electronic transaction verification system comprising a client subsystem, a merchant subsystem, and a transaction verification subsystem. The transaction verification subsystem receives a quantum payment serial number from the client subsystem and performs entangled quantum encryption on the received quantum payment serial number to generate an entangled quantum payment serial number. The verification subsystem encrypts the entangled quantum payment serial number and transmits the encrypted entangled quantum payment serial number to the merchant subsystem. The transaction verification subsystem also transmits the entangled quantum payment serial number to the client subsystem. | 2022-02-10 |
20220044241 | Achieving Decentralized Blockchain Consensus Using A State Function Driven Protocol - A new consensus protocol is proposed and implemented for a cryptocurrency blockchain in an open decentralized peer-to-peer network. At any point of time during the blockchain's ongoing transactional activities, an administrator is selected by computing a state function of the blockchain, the administrator builds a new block and appends it to the blockchain and synchronizes it through the peer-to-peer blockchain network. By computing the state function the administrator can identify any failed administrators prior to its selection and removes the failed ones from the system. The new state function driven protocol provides a democratic and equal way for each of the peer-to-peer network nodes to participate in building the blocks and sharing the rewards. The state function driven protocol is auditable and verifiable at any time by any participating network node. | 2022-02-10 |
20220044242 | ENVIRONMENT AND METHODS FOR ENABLING ELECTRONIC TRANSACTIONS - A method includes receiving a request for registered payment options associated with a user computing device, where the request includes an identifier uniquely identifying one of the user computing device and the user. The method includes identifying one or more payment options associated with the device identifier, where each of the one or more payment options is associated with respective payment instrument information. The method includes providing one or more codes, where each code of the one or more codes identifies a respective payment option of the one or more payment options. The method includes receiving a first code of the one or more codes and transaction information. The method includes accessing, based upon the first code, payment instrument information associated with the payment option identified by the first code, and causing the processing of the payment instrument information in relation to a transaction identified by the transaction data. | 2022-02-10 |
20220044243 | SMART ACCOUNT CONTROL FOR AUTHORIZED USERS - A computer-implemented system and method for controlling access to an account comprises, in a policy definition phase, receiving instructions to add an authorized user to an account from a primary user associated with the account. The method further comprises receiving, from the primary user, policy rules comprising one or more rules that restrict use of the account by the authorized user. In an account use phase, the method comprises receiving a transaction by the authorized user from a merchant, performing a policy rules determination that the transaction relates to a plurality of items and that one of the plurality of items does not meet the policy rules, and rejecting the transaction based on the policy rules determination. | 2022-02-10 |
20220044244 | INCREMENTAL ADDITION TO AN AUGMENTED GRAPH MODEL - A computer system accesses an augmented graph model of (a) a set of transactions previously performed between respective pairs of initiator user accounts of a service and recipient user accounts of the service and (b) attribute values for a subset of the recipient user accounts. The computer system receives additional information indicative of an additional transaction involving an additional recipient user account that is not represented in the augmented graph model with a node. The computer system modifies the augmented graph model using the additional information and groups the user accounts represented in the modified augmented graph model into a plurality of groups. | 2022-02-10 |
20220044245 | METHODS FOR PAYMENT AND MERCHANT SYSTEMS - Methods for payment and/or merchant system which facilitates the payment of very small monetary amounts, making the payment more secure for the user. The method for a payment system for at least one online shop relies on an identifier of a user device for recording at least one identification number of the user device, for receiving and confirming direct debit orders, and for storing the direct debit orders. Such method monitors the total of the debit amounts in relation to the identification number and to request a user of the user device to register after a predetermined time interval and/or on exceeding a predetermined value of the total payable, in order to settle at least part of the total payable. | 2022-02-10 |
20220044246 | SAME SCREEN QUICK PAY BUTTON - A payment button on a device, such as a mobile phone, allows the user to remain on the window or page from which an item was selected for purchase. When the user is ready to purchases, the button is selected, and the user simply enters an identifier, such as a password or PIN, and the transaction is processed. The button remains on the same screen and changes during different stages of the payment process. | 2022-02-10 |
20220044247 | Secure Authentication and Financial Attributes Services - Devices, interfaces, methods, and systems for secure authentication of identification data and financial attributes services. An example method for transmitting data using at least one server includes receiving a data sequence that includes a resource locator, wherein the locator comprises at least one reference code, wherein the code is identifiable to one or more persons, and wherein the sequence comprises a data record. The method may also include determining an address from the reference code and transmitting a modified sequence of data that comprises the address to another server. | 2022-02-10 |
20220044248 | Fraud Detection Rule Optimization - An improved method and apparatus for determining if a financial transaction is fraudulent is described. The apparatus in one embodiment collects transactions off of a rail using promiscuous listening techniques. The method uses linear programming algorithms to tune the rules used for making the determination. The tuning first simulates using historical data and then creates a matrix of the rules that are processed through the linear programming algorithm to solve for the variables in the rules. With the updated rules, a second simulation is performed to view the improvement in the performance. The updated rules are then used to evaluate the transactions for fraud. | 2022-02-10 |
20220044249 | SYSTEM AND METHOD FOR ERROR CORRECTING CODING OF BILLING TRANSACTIONS FOR DATA MANAGEMENT SYSTEM USER IDENTITY VERIFICATION - Systems and methods for authenticating a user are disclosed. An example method may be performed by one or more processors of a system and include generating an encoded identification tag including identification information associated with a user's account, embedding the encoded identification tag in a transaction description associated with a payment from the user, receiving a request to access the user's account, retrieving an existing identification tag from the transaction description, generating a decoded identification tag from the existing identification tag, determining whether information retrieved from the decoded identification tag matches the identification information, and granting the request to access the user's account if at least a portion of the information retrieved from the decoded identification tag matches the identification information or denying the request to access the user's account if the information retrieved from the decoded identification tag does not match at least a portion of the identification information. | 2022-02-10 |
20220044250 | SYSTEMS AND METHODS FOR IMPROVED DETECTION OF NETWORK FRAUD EVENTS - A method and system for detecting fraudulent network events in a payment card network are provided. A plurality of scored payment card transaction authorization requests is received, originating from a plurality of merchants, and data structures for each of a plurality of merchant groups are generated. Each data structure sorts the scored authorization requests into fraud score range stripes. The data structures are parsed over a plurality of time periods, and at least one cumulative metric is calculated for each merchant group for each of the time periods in each fraud score range stripe. A plurality of ratio striping values is determined for each merchant group, and a set of feature inputs is generated using the ratio striping values. A second fraud detection model is applied to the scored authorization requests. Parameters of the second fraud detection model are configured to change based on the generated set of feature inputs. | 2022-02-10 |
20220044251 | SYSTEMS AND METHODS FOR USE IN IDENTIFYING NETWORK INTERACTIONS - Systems and methods are provided for identifying types of network interactions. An example method includes generating, by a token service provider, a token for a payment account based on a request from a user, where the token includes an indicator of a type of transaction for which the token is available for use, and provisioning, by the token service provider, the token to a third party. In doing so, in response to use of the token in a transaction to the payment account, the indicator is included at a first data element of an authorization request for the transaction to the payment account thereby identifying the type of the transaction in the authorization request. | 2022-02-10 |
20220044252 | SYSTEMS AND METHODS RELATING TO TOKENIZATION - Systems and methods for use in tokenization are disclosed. One example method includes receiving a request to provision a biometric for biometric transactions to a payment account where, the request includes a cryptogram associated with a transaction to said payment account and/or a transaction ID for the transaction. The method also includes checking with an issuer whether the payment account is supported for biometric transactions, receiving an indicator of eligibility, and then requesting a biometric from the user. The method further includes receiving biometric data indicative of the user's biometric, and transmitting a request to the issuer to enable biometric transactions for the payment account. | 2022-02-10 |
20220044253 | SYSTEMS AND TECHNIQUES FOR RECALL INVESTIGATION - Described herein are methods and systems for determining the disposition of a vehicle having an unresolved recall notice. The computing system receives a first data record from a first vendor and a second data record from a second vendor, the data records including data associated with the vehicle. The computing system applies alignment rules to each data record to normalize the data in each data record. The computing system applies outcome rules to each aligned data record to generate predicted dispositions of the vehicle based on each data record. The computing system applies cross-vendor rules to the predicted dispositions to generate a final disposition of the vehicle, customer, and/or part under recall. The computing system generates a graphical user interface including the final disposition of the vehicle for a user to view. | 2022-02-10 |
20220044254 | DYNAMIC CATEGORIZATION OF IT SERVICE TICKETS USING NATURAL LANGUAGE DESCRIPTION - An embodiment for dynamic categorization of information technology (IT) service tickets is provided. The embodiment may include logging an IT service ticket when text is entered into a description field. The embodiment may also include creating a filtered description field by processing the text entered into the description field. The embodiment may further include computing a set of exponential weights and assigning the set of exponential weights to each word in the filtered description field. The embodiment may also include multiplying the set of exponential weights by the word's TF-IDF score to determine an IT service ticket category for placement of the IT service ticket into the IT service ticket category. The embodiment may further include generating features for machine learning, utilizing the generated features to build a supervised machine learning model, and evaluating the supervised machine learning model through analyzation of data from historical IT service tickets. | 2022-02-10 |
20220044255 | RISK MITIGATION FOR SERVICE DELIVERY - A system and method mitigate configuration change risk for a managed service in a customer environment. Reconfiguration commands sent to a management interface are intercepted and provided to a mitigation service executing in the customer environment. The mitigation service computes a risk rating for each such command based on a wide variety of factors. If the risk is low, then the mitigation service passes the command transparently to the management interface for execution. However, if the risk is too high, then the mitigation service requests an authorization code before the command can be executed. The acceptable level of risk may be set jointly by the customer and the managed service provider according to a service level agreement. Authorization codes can confirm performance of many mitigation actions, including approval by the customer or a supervising manager, studying relevant documentation, and clean execution of the command in a testing environment. | 2022-02-10 |
20220044256 | UTILIZING MACHINE LEARNING MODELS, PREDICTIVE ANALYTICS, AND DATA MINING TO IDENTIFY A VEHICLE INSURANCE FRAUD RING - A device may consolidate the input data associated with vehicle insurance claims to generate processed input data. The device may process claims data, treatment data, and repair shop data to resolve ambiguities in the processed input data and to generate resolved data. The device may process the resolved data to generate related data identifying relations between persons and vehicle accidents. The device may process notes of claims adjusters and vehicle accident descriptions to extract feature data identifying features. The device may process the feature data to determine contradiction data identifying contradictions in the feature data. The device may process weather data, location data, and telematics data to determine weather conditions and locations associated with the accidents. The device may process the related data, the contradiction data, the weather conditions, and the locations to generate a knowledge graph. The device may identify a fraud ring based on the knowledge graph. | 2022-02-10 |
20220044257 | ELECTRONIC DEVICE HAVING UNIQUE TICKET AND INFORMATION PROCESSING METHOD USING THE UNIQUE TICKET - An electronic device having a unique ticket and an information processing method using the unique ticket are introduced. The information processing method is executed with the electronic device and includes obtaining at least one ticket datum and generating at least one unique code; including the unique code in the ticket datum; generating a tamper-proof on-file ticket datum according to the ticket datum having the unique code. By generating the tamper-proof on-file ticket datum according to the ticket datum having the unique code, it ensures the security of the tamper-proof on-file ticket datum. Furthermore, the unique code in the tamper-proof on-file ticket datum enables verification to be quickly performed, thereby enhancing ticket security and verification efficiency. | 2022-02-10 |
20220044258 | INITIATING CARDSWAP BASED ON ANALYTIC MODEL INDICATING THIRD PARTY CARD REISSUANCE - Various embodiments are directed to initiating or triggering a cardswap action for a customer based on a determination that one or more third-party cards associated with the customer have likely been reissued. The determination may be based on the analysis performed by an analytics model on customer transaction data corresponding to the customer. The analytics model may be trained using various patterns, trends, or characteristics observed in the customer transaction data around a timeframe of an actual reissue event. When a likely reissue event has been determined, one or more customer cards may be presented to the customer for swapping out the reissued third-party cards with a customer card. | 2022-02-10 |
20220044259 | Database Management Systems and Methods Using Data Normalization and Defragmentation Techniques - Improved systems and methods for database management using data normalization and defragmentation techniques are provided. At least one exchange processor in communication with an exchange computer system receives market data from the exchange computer system, processes the market information, and transmits the market data to a master processor. The master processor receives the market data, processes the data using at least one normalization process to generate normalized data including an intra-day file and an archival file, and stores the intra-day file and the archival file in the master database. The master processor transmits the intra-day file and the archival file to the at least one regional processor. The regional processor receives a request for information from a customer computer system in communication with the regional processor, queries the intra-day file and the archival file to identify matching market data in response to the request, and transmits the matching market data to the customer computer system. | 2022-02-10 |
20220044260 | RETAIL AS A SERVICE - A Retail as a Service (RaaS) platform enabling a customer of the RaaS platform to make a product available for retail utilizing the resources and expertise of the RaaS platform, and to monitor the effectiveness of retail efforts with data analytics provided by the RaaS platform. The RaaS platform enables intelligent updating of RaaS parameters in real time, and may include one or more of trained staff, product demo procedures, product placement, onboarding technology, product display technology, and a variety of retail facility sensors. | 2022-02-10 |
20220044261 | TECHNIQUE TO AGGREGATE MERCHANT LEVEL INFORMATION FOR USE IN A SUPERVISED LEARNING MODEL TO DETECT RECURRING TRENDS IN CONSUMER TRANSACTIONS - A method is disclosed, comprising: aggregating a plurality of sets of transactions, each set of transactions comprising transactions related to an account-merchant pairing; determining variables characterizing a recurrence period based on transaction dates of the transactions in the each set; predicting the recurrence period for a transaction related to the account-merchant pairing for each customer of the plurality of customers; aggregating another set of transactions between the plurality of customers and the merchant; evaluating a distribution of the recurrence period for each customer within range of a distant point; and based on the evaluation of the distribution of the recurrence period for each customer, generating a probability of the merchant having a recurrent transaction with the customer. The account-merchant pairing may comprise a customer account and a merchant of a plurality of customers and merchants. Another set of transactions may comprise transactions in the plurality of sets of transactions. | 2022-02-10 |
20220044262 | System and Method for Collecting Real-World Data Using a Location-Based Computing Device in Fulfillment of Observation Campaign Opportunities - Systems, apparatuses, and methods for observing and collecting real-world data about conditions, standards, guidelines, rules and restrictions established by a coordinator of an observation campaign. One embodiment may include a user-based mobile autonomous device (e.g., a smart robot) configured to execute an observation application to coordinate observing and collecting of real-world data. Further, the mobile autonomous device may include a communication module configured to send collected real-world data to an observation server computer. Upon verification of the collected real-world data, the observation platform may coordinate compensation to a user of the mobile autonomous device in exchange for the successful observation and collection of the requested real-world data, Additional observation opportunities may be triggered for observers in response to a successful fulfillment of an opportunity. | 2022-02-10 |
20220044263 | Dynamically Providing Altered Menu Content Data for Display In Response To Real-Time Constraint Data - Various methods are provided for dynamically providing altered menu content data for display in response to real-time constraint data. One example method may comprise detecting a user device in proximity to merchant beacon device based on location data received from location services circuitry of the user device, accessing menu content data, the menu content data comprised of a list of goods or services offered for purchase via a merchant point-of-sale (POS) device or via a merchant application, accessing constraint data associated with the user device indicative of content constraints, applying the constraint data to the menu content data to generate altered menu data content, determining a type of a device at which the altered menu content data is to be provided, formatting the altered menu content data in accordance with the typic of the device, transmitting the formatted altered menu content data for display, and causing display of the formatted altered menu content data. | 2022-02-10 |
20220044264 | Dynamically Altering Displayed Menu Content Data In Response To Real-Time Event Data - Various methods are provided for dynamically altering displayed menu content data in response to real-time event data. One example method may comprise receiving, at a server, a request for menu content data to be transmitted to a remotely located merchant beacon device, generating the menu content data, transmitting the menu content data, receiving, from the remotely located merchant beacon device and one or more other merchant devices, real-time interaction information, altering the menu content data based on the real-time interaction information, and transmitting, configured for display at the remotely located merchant beacon device, the altered menu content data. | 2022-02-10 |
20220044265 | SMART FEEDBACK SYSTEM - Methods and systems are used for providing a traveling avatar in a smart feedback system (SFS). As an example, a user associated with a first interaction with the SFS from a first device at a first location is identified. A first visualization of a personalized avatar associated with the user is provided to the first device. A first personalized feedback request is provided to the first device during the first visualization. First feedback of the user captured by the first device is received in response to the first personalized feedback request. The user associated with a second interaction with the SFS from a second device at the first location is identified. A second visualization of the personalized avatar is provided to the second device. A second personalized feedback request is provided to the second device. Second feedback of the user captured by the second device is received. | 2022-02-10 |
20220044266 | MULTI-USER SMART FEEDBACK SYSTEM - Methods and systems are used for providing user and multi-user smart feedback in a smart feedback system (SFS). As an example, a first personalized feedback request is provided to a first device during a first visualization of a first personalized avatar associated with a first user. First feedback of the first user captured by the first device is received. The first feedback is analyzed based on a first user profile and the first personalized feedback request associated with a first offer associated with a first participant. A first recommendation is determined based on the first user profile, the analyzed first feedback of the first user, the first offer associated with the first participant, and a second user profile of an associated second user. The first recommendation is provided to the first device during the first visualization of the first personalized avatar associated with the first user. | 2022-02-10 |
20220044267 | DYNAMIC DATA ATTRIBUTION OF POINTS OF INTEREST - Dynamic data attribution of a point of interest (POI) includes utilizing the latitude and longitude of a specific POI, along with a population density associated with a zip code in which the POI resides, to define a geographical area for which publicly and/or privately developed data attributes exist and are retrievable. Retrieved data attributes are stored in association with the POI for subsequent data analysis. In certain embodiments, the retrieved data attributes are analyzed to inform decisions related to products and/or services that are offered at the POI. | 2022-02-10 |
20220044268 | INFORMATION PROCESSING APPARATUS, INFORMATION PROCESSING METHOD, AND NON-TRANSITORY STORAGE MEDIUM - A controller is provided that is configured to perform: specifying a first user who is a user before boarding a moving vehicle; specifying a second user who is a user sitting on a seat in the moving vehicle; transmitting an inquiry to a terminal of the second user about whether or not to offer his or her seat; and notifying a terminal of the first user that the first user can take a seat in the moving vehicle, when a response to the effect that a seat is offered is received from the terminal of the second user. | 2022-02-10 |
20220044269 | SYSTEM AND METHOD FOR CONTACTLESS SALES USING LOCATION-BASED SERVICES - A system for facilitating transactions at a venue, the system comprising a processor and a memory having executable instructions stored thereon that when executed by the processor cause the processor to determine a location of a client device based on location sensor data received from the client device, select an offer based on the location of the client device and an event at a venue a user of the client device is attending, and generate a message to the client device based on the offer. | 2022-02-10 |
20220044270 | POINT SAVING SYSTEM FOR PENSION PAYMENT - A point saving system for pension payment according to one embodiment of the present disclosure comprises: a customer terminal in which an application for customers is installed configured to make a payment by using an account that is pre-registered in the application for customers; an affiliated store terminal in which an application for affiliated stores is installed, configured to receive customer information on customers from the customer terminal, and transmit an amount of payment, together with the received customer information, to a main server; and the main server of a company configured to receive the customer information and the amount of payment from the affiliated store terminal, save points, for each customer, that correspond to a certain percentage of the received amount of payment on the basis of the received customer information, set levels of the customers on the basis of the saved points for each, determine customers to receive a pension on the basis of the set levels and the customer information, and pay a predetermined amount of pension to each of the determined customers to receive a pension according to the set levels. | 2022-02-10 |
20220044271 | OPTIMIZATION ENGINE FOR FULFILLING A CUSTOMER ORDER FROM MULTIPLE VENDORS USING ONE OR MORE OPTIMIZATION CRITERIA - A computer-implemented optimization engine is disclosed for fulfilling a user order from multiple vendors using one or more optimization criteria. The optimization criteria can include price, brand, and acquisition time. The optimization engine obtains from a plurality of servers item price data and logistics cost data for stores physically in proximity to the user, or optionally, for stores that can ship items to the user from locations that are not physically in proximity to the user. The optimization engine optionally generates user preference data for the user based on his or her orders, where the user preference data indicates the user's sensitivity to changes in price, brand, and acquisition time. | 2022-02-10 |
20220044272 | SYSTEM AND METHOD FOR PROVIDING CREDITS FOR RIDESHARING - The present invention relates to a method of providing credits for ridesharing to a user, comprising: detecting a request by the user for a ridesharing trip provided by a rideshare provider; associating, with the request, a user location, a pickup location and a destination location; allocating one or more advertisement messages based on at least one of the user location, the pickup location and the destination location; providing the one or more advertisement messages to the user for viewing on a user device during an eligibility period; confirming viewing of at least one of the one or more advertisement messages during the eligibility period; calculating a rideshare credit amount based on the confirmed viewing; and providing the rideshare credit amount to the user, wherein the eligibility period includes a period other than the duration of the rideshare trip. | 2022-02-10 |
20220044273 | SYSTEM AND METHOD FOR A DIGITAL COIN EXCHANGE - Systems and methods for digital coin exchange. A digital coin platform receives a distribution request from an entity server comprising digital multimedia content associated with an entity. Digital coins are created responsive to the request. Each digital coin comprises a first coin associated with the entity and a second coin associated with consumers. The first and second coins are linked via linking information. The first coins are transferred to the entity server. A consumption request including the digital multimedia content is transmitted to a consumer device. Responsive to an indication that the content is at least partially consumed via the consumer device, one or more second coins are transferred to the consumer device. The digital coins and the transferred first and second coins are recorded. The transferred second coins permit the consumer device to perform transactions associated with the entity. | 2022-02-10 |
20220044274 | Dual Redemption Path with Shared Benefits System and Method - A system and method is presented for product substantiation and promotion redemption. A purchased product list is transmitted from a retail store system to a promotion analysis server along with a user identifier. The promotion analysis server identifies promotions available to the user, and then considers whether the benefits under the promotions are still available to the user. Discounts for available promotions related to the purchased product list are calculated and transmitted to the retail store system for deduction from the transactions. A promotion product filter can be provided that filters the purchased product list before transmittal. The promotion product filter can include promotions from a plurality of programs. SNAP and Enhanced SNAP benefits can be provided along with the discount benefits. | 2022-02-10 |
20220044275 | SYSTEM AND METHOD FOR PROCESSING OF PROMOTIONS IN CONNECTION WITH DIGITAL PURCHASING - A system and method for processing promotions in connection with digital purchasing. Data associated with a digital purchase request made by a consumer (the data comprising a token, an amount associated with the transaction, a promotional code for each item included in the digital purchase request associated with a promotion, a default transaction amount, and a single default promotional code) is received from a merchant server. The single default promotional code is assigned to all items included in the digital purchase request that are associated with promotions. Using the token, account information associated with the consumer is retrieved from a database. For each promotional code received, promotional information is retrieved. The retrieved promotional information is displayed. The digital purchase request is submitted for processing using the single default promotional code. | 2022-02-10 |
20220044276 | APPARATUS, COMPUTER-IMPLEMENTED METHODS, AND COMPUTER PROGRAM PRODUCTS FOR PROVIDING DYNAMIC DATA-DRIVEN PROFILE BASED PERSONA DIMENSIONAL PROMOTION SELECTION - Embodiments are provided that improve persona tracking and use to improve the accuracy of determinations and actions that rely on such persona(s). Some example embodiments track user information associated with a profile. Example embodiments further generate personas associated with the profile based on the user information. Example embodiments further receive time data and/or location data from a user device. Example embodiments further determine a selected persona based on the time data and/or the location data. Example embodiments further determine a preference dimension value based on the selected persona. Example embodiments further identify promotion data representing a plurality of promotions. Example embodiments further, for each promotion, generate a first dimension score corresponding to the preference dimension value based on the selected persona. Example embodiments further determine a ranking for the promotions based on the first dimension score for each promotion. | 2022-02-10 |
20220044277 | COMPUTERIZED HUB FOR INTERACTION OF SERVICE PURCHASERS AND SERVICE PROVIDERS FOR REAL-TIME GENERATION AND ADJUSTMENT OF SERVICES - A computerized hub connects companies seeking marketing services and marketing companies that provide marketing services. The systems and methods first provide hub-based tools to allow the company to develop a high-level marketing plan in accordance with the company's type of business, industry, geographic location, and marketing budget. Tool are also provided to facilitate budgeting, selecting, planning, launching, and reporting. In embodiments, the hub will have APIs to allow customers to provide a link to the customer's scheduling and accounting software to help develop the marketing plan and to monitor the effectiveness of the plan. The hub provides also provides interfaces for receiving performance data from marketing companies so their services may be offered to marketing service purchasers. Once a marketing company is selected, it is provided with additional interfaces which specify the campaigns and tasks for which the marketing company is responsible to implement. The computerized also provides real-time marketing results based upon real-time sales and marketing data, and generates updated marketing campaigns based upon triggers applied to the real-time sales and marketing data. | 2022-02-10 |
20220044278 | MULTI-TOUCH ATTRIBUTION - A determination of the relative influences on an advertising conversion that are credited to particular ad impressions across varied channels is facilitated through Shapley value calculation and assignment. A Shapley value is arrived at through assigning binary places in a Boolean value to a plurality of advertising channels and/or platforms, the Boolean values combinable to quickly determine for a particular advertising campaign which of the plurality of advertising channels and/or platforms was influential in a consumer's decision to initiate a transaction for goods or services associated with an advertisement rendered via the plurality of advertising channels and/or platforms. In this manner, an advertiser having arranged for messages associated with an advertising campaign to be distributed via disparate advertising channels and/or platforms may realize the relative performance of the various advertising channels and/or platforms. | 2022-02-10 |
20220044279 | METHODS AND SYSTEMS FOR DETERMINING PROVENANCE AND IDENTITY OF DIGITAL ADVERTISING REQUESTS SOLICITED BY PUBLISHERS AND INTERMEDIARIES REPRESENTING PUBLISHERS - Described is a computer implemented method for determining provenance and identity of a digital advertising request for an advertisement solicited by at least one of a publisher and an intermediary representing the publisher. The method includes receiving, with a transceiver of a first computing device, a first message having first message metrics associated with a candidate entity for identification. The first message is processed, with a processor of the first computing device, to identify a first portion of a candidate entity identity based on the first message metrics. An output related to confidence of the candidate entity identity is produced, with the processor, based on the first portion of the candidate entity identity. | 2022-02-10 |
20220044280 | CUSTOMIZATION OF MESSAGE DELIVERY TIME BASED ON CONSUMER BEHAVIOR - A system and method is provided for determining when an electronic correspondence is reviewed by a consumer, and referencing this information when generating a subsequent electronic correspondence. The information may be used to determine when to send the subsequent electronic correspondence to the consumer. For example, the subsequent correspondence may be sent at the same time of day as when the consumer is determined to have previously reviewed an electronic correspondence. The information may also be used to determine what to include in the subsequent electronic correspondence. For example, time-sensitive promotions that are selected based on the information identifying the previous time at which the consumer reviewed a previous electronic correspondence, may be included in the subsequent electronic correspondence. | 2022-02-10 |
20220044281 | Match engine marketing - Enabling advertisers using a computer network such as the Internet and a match engine to submit their offerings to product, service, benefit seeking entities. In some embodiments, a database having accounts for the providers is made available. Accounts contain contact and billing information for an advertiser; and at least one offering having at least a description, a criteria set comprising one or more criterion factors, and a bid amount. An advertiser influences a position of an offering in the advertiser's account by first selecting offering relevant criteria. The advertiser enters the criteria and the description into a listing; influencing at least in part the position for the listing within a results page through an online bidding process. This results page is generated in response to a seeking entity query of the match engine. Pay for performance demographic, geographic, psychographic criteria/characteristics targeted directly advertising (frictionless advertising) is enabled. | 2022-02-10 |
20220044282 | CONSUMER PRESENCE BASED DEAL OFFERS - Systems and related methods facilitating payments with a mobile device are discussed herein. Circuitry in a networked-based central system, which may be a promotional system or payment system, may be configured to receive payment information from a consumer device. The consumer device may include circuitry configured to receive wallet identifying data from the central system. The wallet identification data may be used to secure messages between the consumer device and another device, such as a merchant device, over a wireless link. In some embodiments, the consumer device may receive promotional offers, such as deal vouchers or rewards, and make payments to the other device via the wireless link. | 2022-02-10 |
20220044283 | CUSTOMER JOURNEY MANAGEMENT ENGINE - Provided is a process, including: obtaining a first training dataset, training a first machine-learning model on the first training dataset, obtaining a set of candidate question sequences, forming virtual subject-entity records, forming a second training dataset, training a second machine-learning model, and storing the adjusted parameters of the second machine-learning model in memory. | 2022-02-10 |
20220044284 | SYSTEM AND METHOD FOR PROVIDING REAL-TIME TARGETED ADVERTISEMENTS - A system for providing real-time targeted advertising based on one or more categorical identifiers, the system comprising a social networking platform requiring users to create user profiles, one or more computing platforms capable of storing a cookie, said cookie used to track a user's navigation on the social networking platform, an incentivized data collection technique comprising of a plurality of incentivized activities executed through the social networking platform, said incentivized activities for obtaining demographic information and interest information from users, means for assigning one or more first unique identifiers to a user based on the demographic and interest information obtained from said user, and a module operating on the social networking platform, said module for allowing advertisers to preassign to one or more ads one or more second unique identifiers applicable to the advertisers' targeted users, said module matching the one or more second unique identifiers of the ads to the one or more first categorical identifiers in real-time as the one or more first categorical identifiers are assigned to a user, said module immediately displaying said ads to the matched users. | 2022-02-10 |
20220044285 | MACHINE LEARNING SYSTEMS AND METHODS FOR DETERMINING HOME VALUE - Techniques for determining value of a home by applying one or more neural network models to images of spaces in the home. The techniques include: obtaining at least one image of a first space inside or outside of a home; determining a type of the first space by processing the at least one image of the first space with a first neural network model; identifying at least one feature in the first space by processing the at least one image with a second neural network model different from the first neural network model and trained using images of spaces of a same type as the first space; and determining a value of the home at least in part by using the at least one feature as input to a machine learning model different from the first neural network model and the second neural network model. | 2022-02-10 |
20220044286 | METHODS AND SYSTEMS FOR DETERMINING GUEST SATISFACTION INCLUDING GUEST SLEEP QUALITY IN HOTELS - A system provides for evaluating a hotel guest's satisfaction of a hotel, the hotel including a plurality of guest rooms, the hotel guest staying in a guest room of the plurality of guest rooms in the hotel. The system includes one or more sensors within the guest room that are configured to provide data points indicative of guest activities in the guest room, the one or more sensors operably coupled to a hotel network within the hotel. A server is remote from the guest room and is configured to receive the data points from the one or more sensors via a connection to the hotel network and to use the data points to calculate a guest satisfaction score for the guest room. The server is configured to display the guest satisfaction score. | 2022-02-10 |
20220044287 | SALES SUPPORT APPARATUS AND SALES DESTINATION LIST CREATION APPARATUS - The present invention pertains to assisting efficient sales activities at a financial institution by accurately extracting customers who are likely to need prescribed financial products. A sales assistance department according to the present invention has: an acquisition part for acquiring transaction data of customers at a financial institution; a relevance determination part for determining whether first transaction data of the customers at the past time of purchasing financial products relates to second transaction data of the customers at the current time; an extraction part for extracting a customer for whom it is determined that the first transaction data relates to the second transaction data; and an output part for performing output regarding the extracted customer. | 2022-02-10 |
20220044288 | DIGITAL LIVE BOOK PRODUCTION SYSTEM - This application relates to a digital live book production system for converting the contents of a book into multimedia contents, thus enabling a user to learn the contents of the book quickly and in an interesting way. In one aspect, the digital live book production system includes a book input unit to which sentences of a book are input and an image generation unit configured to generate images corresponding to contents of the sentences input to the book input unit. The system may also include an image alignment unit configured to arrange the images in one screen frame according to the contents of the sentences. The system may further include a screen frame arrangement unit configured to select some screen frames and connect the selected screen frames according to a story of a book, to generate a digital live book. | 2022-02-10 |
20220044289 | DOCUMENT TERM RECOGNITION AND ANALYTICS - A device receives image data of a contractual document that includes an offer including terms of a proposed transaction, converts the image data to text data that identifies text within the contractual document, and receives preferences information for a recipient of the offer. The device identifies key terms within the contractual document by using term identification to analyze the text. The key terms may include a first key term that identifies subject matter of the proposed transaction and other key terms that are part of the offer. The device determines term scores that correspond to likelihoods of the other key terms being favorable to the recipient by using a data model to analyze the key terms and the preferences information. The device, based on the term scores, generates and provides another device with a recommendation to be used in determining whether the accept the offer. | 2022-02-10 |
20220044290 | METHODS, SYSTEMS, COMPUTER READABLE MEDIA AND RELATED ASPECTS FOR TRANSPORTATION DEVICE RECONDITIONING MANAGEMENT - Provided herein are methods of reconditioning a transportation device. The methods include creating a pending reconditioning task record that comprises a pending reconditioning task associated with the transportation device, identifying a minimum target profit margin value for a sale of the transportation device, and sending an outbound bid and/or an inbound bid request to perform the pending reconditioning task to a population of target vendors. The methods also include receiving an acceptance of the outbound bid or accepting an inbound bid to form a pending reconditioning task agreement with a selected vendor from the population of target vendors, tracking performance of the pending reconditioning task agreement by the selected vendor, and updating the pending reconditioning task record when the selected vendor completes performance of the pending reconditioning task agreement to produce an updated reconditioning task record. Related systems and computer readable media are also provided. | 2022-02-10 |
20220044291 | METHODS AND SYSTEMS FOR A PRIVATE MARKET: FACILITATING CONNECTIONS BETWEEN BUYERS AND SELLERS OR EXCHANGERS OF PRODUCTS AND SERVICES WHILE MAINTAINING PRIVACY - A system and method are described that facilitate bilateral private interaction between participants who wish to initiate personal or business arrangements anonymously or without exposure except to identified trusted parties and the system and method act as an intermediary allowing the participants, typically buyers and sellers, to be matched based upon requests for and offers of goods and services, without revealing the identity or other identifying information about either the items or the participants until the participants choose to reveal that information. | 2022-02-10 |
20220044292 | Intelligent Multimedia e-Catalog - An intelligent product catalog system provides for electronic creation, management and viewing of product information using a multimedia display system. A central database repository stores the product information and provides for an unlimited number of product attributes and dynamic reconfiguration of the product information. The central database repository comprises a metadata system, a scheme system and an object model system. A plurality of applications access the central database repository, the applications being automatically adaptive to the dynamic reconfiguration of the product information. A user interface provides display, sorting and filtering of the product information including the unlimited number of product attributes. | 2022-02-10 |
20220044293 | Systems and Methods for Providing Digital Content Marketplace Security - A digital content marketplace filter engine may be configured to identify a communication between a digital content marketplace client and a digital content marketplace server. An analysis engine may be configured to review the communication against a digital content marketplace policy. A response engine configured to block, allow or modify the communication to conform to the digital content marketplace policy. | 2022-02-10 |
20220044294 | RETAIL STORE THAT ALSO SELLS INTERNET ITEMS - A system for enabling a traditional retail store to offer discounts to walk-in customers on items and services available for sale via the internet comprising providing customers with access to a store computer, offering the items and services for sale on the store computer at prices lower than prices offered by those sellers via internet advertising, enabling the customers to purchase those items and services directly from the store via a store computer, enabling the store computer to forward payment to the seller of the purchased items or services, enabling the seller's computer to identify the store from which the payment arrives and to verify that the payment is correct, and enabling the seller to ship purchased items and provide purchased services. | 2022-02-10 |
20220044295 | SELF-ADAPTIVE FAIR SYSTEM - A self-adaptive fair system includes a mobile carrier, a first object, a processing unit and a production station. The mobile carrier is for selectively moving to or being moved to a first location. The first object is exhibited at the first location through the mobile carrier. The first object is accessed by a first user at the first location for selectively generating a first user design. The processing unit is for receiving a first order inputted by the first user and transmitting the first order. The first order is related to the first user design. The production station located outside the mobile carrier and signally connected to the processing unit for producing a second object according to the first order. | 2022-02-10 |
20220044296 | Automated Stylist for Curation of Style-Conforming Outfits - An auto-styler device may provide a style-based or outfit-driven shopping experience. The auto-styler device may select a style definition that defines a style-conforming outfit based on rules that apply to a combination of a first item type and a second item type of the style-conforming outfit, and that defines a customized presentation for the style-conforming outfit. The auto-styler device may generate a style-conforming outfit with a first item of the first item type and a second item of the second item type in response to a collective style produced by the combination satisfying the rules. The auto-styler device may position and size a first image of the first item relative to a second image of the second item in a single interface based on the specified the customized presentation of the style definition, and may present or publish the resulting single interface on a merchant site. | 2022-02-10 |
20220044297 | METHODS AND SYSTEMS FOR SYNCHRONIZED CLOUD MARKETPLACE - A cloud marketplace includes a network of data centers that collectively allow users to search and purchase products, including applications and extensions to applications. Each data center supports a marketplace module that executes on computing resources to offer users the products and receive and send product metadata descriptive of the products. The marketplace module in each data center passes the product metadata to a database management system for storage in the data center. The marketplace module also passes the product metadata to an agent module within the data center that is separate from the database management system. The agent module passes the product metadata to agent modules of other data centers via the network so that the product metadata can be synchronized across data centers without having to wait for the database management systems to synchronize the databases. | 2022-02-10 |
20220044298 | Method and Apparatus for Extracting Product Attributes from Packaging - A computing system and database analyses product images to determine product attributes and populate the database. Candidate product information is identified within an image of product packaging of a product. A model created by machine learning is applied to the candidate product information to discern indicators of product attributes from indicators of non-product attributes of the candidate product information. Individual indicators are extracted from the indicators of product attributes. In response to a determination that additional confidence is needed for a given individual indicator, a rule is applied to identify unique product information from the given individual indicator. A taxonomy is then applied to the product attributes based on representations of the individual indicators to generate categorized product attributes representing the product. The database is populated with representations of the categorized product attributes. | 2022-02-10 |
20220044299 | DETERMINING GENERIC ITEMS FOR ORDERS ON AN ONLINE CONCIERGE SYSTEM - An online system provides options for selection by a user. The online system receives a query entered on a client device. The online system queries an item database to retrieve a set of items related to the query and assigns each item to a product category in a predefined taxonomy that maps items to product categories. The online system inputs each item into a prediction model trained to predict a probability that an item is available at a warehouse location. The online system determines that a first product category has low availability based on predicted probabilities for items in the first product category. Responsive to determining that a first product category has low availability, the online system generates a generic item for the first product category and sends a list of items including the generic item to the client device for display responsive to the query. | 2022-02-10 |
20220044300 | SYSTEMS FOR GENERATING VECTORS FOR STOCK KEEPING UNITS USING A NEURAL NETWORK - Systems and methods are disclosed for displaying information related to items in a store. Stock keeping unit (SKU) information for items in the store and combination information indicating which SKUs were sold together can be accepted. Dimension information and structure information for a neural network can be defined. The neural network can be trained using the combination information indicating which SKUs were sold together in a same combination to calculate weight values and bias values for the neural network. | 2022-02-10 |
20220044301 | INFORMATION PROCESSING DEVICE - The purpose of the present invention is to sway a user to increase purchase desire, by constructing a system that successively links related information to one piece of information, thereby making it easy to grasp related information. In the present invention, a reception unit | 2022-02-10 |
20220044302 | SMART CONTACT LENSES BASED SHOPPING - In an approach, a processor receives a notification of entry into a store from smart contact lenses. The approach customer identification data at store entry to a program in the store server and receiving from smart contact lenses, a set of gaze data associated a customer looking at a locked product on a store shelf. The approach sending a request to unlock the product and the gaze data associated with the customer looking at the locked product to the program in the store server and receiving an indication that the locked product is unlocked. The approach includes receiving a customer identification upon the customer's store exit from smart contact lenses. The approach receiving from the program in the store server, a bill for the unlocked product. | 2022-02-10 |
20220044303 | GRAPHICAL USER INTERFACES FOR GENERATING A PURCHASE ORDER - A system and a method for generating a purchase order allow the ordering of commodities or other parts or items electronically. The system comprises a terminal, a means for providing a graphical user interface to a user, and a server communicatively to the terminal via a network. The system and the method are used for displaying a visual of all related parts of a piece of equipment or a table of functionally related items with different specifications. The system and the method can provide time savings in viewing, reviewing, adjusting quantities, and deleting in a purchase order large quantities of related parts or items. | 2022-02-10 |
20220044304 | ELECTRONIC DEVICE FOR MANAGING LOGISTICS INFORMATION AND CONTROL METHOD THEREOF - According to various embodiments, a logistics information managing method may include identifying at least one of information on a source fulfillment center and information on a target fulfillment center, identifying transfer target candidate order information among order information allocated to the source fulfillment center, and allocating at least a portion of the transfer target candidate order information to the target fulfillment center. Through this, order information previously allocated to a fulfillment center may be reallocated to another fulfillment center, thereby preventing a non-compliance with order processing. Other embodiments are possible as well. | 2022-02-10 |
20220044305 | DYNAMIC CUSTOMER CHECKOUT EXPERIENCE WITHIN AN AUTOMATED SHOPPING ENVIRONMENT - A system and method for a dynamic customer checkout experience within an automated shopping environment that includes generating a virtual cart for the customer through an automatic checkout system; tracking location of the customer; generating an assessment of the virtual cart; and selecting a processing mode for the customer based in part on the assessment and executing the processing mode within at least one computing device in coordination with the location of the entity. | 2022-02-10 |
20220044306 | ELECTRONIC COMMERCE METHOD CAPABLE OF INTEGRATED ORDERING AND INTEGRATED DELIVERY, AND SERVER THEREFOR - The present invention relates to an e-commerce method capable of integrated ordering and integrated shipment to help a user residing abroad to use a domestic online shopping mall, the e-commerce method including displaying a plurality of online shopping malls on a user terminal, displaying an integrated order product list for a plurality of products selected by a user's input from at least one online shopping mall on the user terminal, receiving a purchase-on-behalf request event for a product of the integrated order product list from the user terminal, receiving first-shipment completion information from an administrator when the first shipment of the product purchased on behalf of the user to a predetermined shipment destination is completed, and displaying an integrated shipping method list including a plurality of shipping methods corresponding to the product for the second shipment of the product to a user shipment destination on the user terminal. | 2022-02-10 |
20220044307 | FOOD DELIVERY OPTIMIZATION - Techniques for optimizing a food service configured to receive food orders from multiple customers, and consolidate orders based on respective days, times, and locations associated therewith. The food orders may include deliveries, customer pick-ups, and dine-in options for eating at a restaurant. The optimized food service may be configured to assign a restaurant to the consolidated orders and send a preparation instruction to the restaurant to prepare the consolidated orders for a designated pick-up or dining time. The optimized food service may additionally instruct an order supervisor to travel to the restaurant to assist in preparation of the consolidated orders. The order supervisor may additionally serve a food order, such as for a dine-in option or full service, catered delivery. For delivery orders, the optimized food service may assign a courier and, in some examples, a delivery assistant, to deliver the orders to respective customers. | 2022-02-10 |
20220044308 | SYSTEMS AND METHODS FOR EMULATING A FUEL PUMP AND MARKETING ON A MOBILE DEVICE - A method for emulating a fuel pump interface on a mobile device and for marketing on a mobile device. The user of a mobile device is presented with a user interface such that the user receives information from and interacts with the mobile device to carry out certain functions as if the user is at the fuel pump and is interacting with the fuel pump directly. The mobile device may be used to present marketing information on the mobile device. | 2022-02-10 |
20220044309 | CONTENT CAROUSEL - Described herein are techniques for presenting a graphical user interface with an improved content carousel for presenting a set of content items (e.g., images, photos, video clips, content/page links) in accordance with configuration settings set by an end-user. The content carousel may, for example, select content and present content in a manner that is consistent with the configuration settings established by the end-user, thereby giving the end-user confidence to invoke the content carousel in a variety of scenarios where content carousels might not traditionally be deployed. | 2022-02-10 |
20220044310 | SYSTEM, CONTROL APPARATUS, CONTROL METHOD, AND NON-TRANSITORY STORAGE MEDIUM | 2022-02-10 |
20220044311 | METHOD FOR ENHANCING A USER'S IMAGE WHILE E-COMMERCE SHOPPING FOR THE PURPOSE OF ENHANCING THE ITEM THAT IS FOR SALE - One embodiment of this disclosure is a method for selling an item. The method includes providing an image to a machine, manipulating the image to provide a modified image, identifying at least one item, and displaying the at least one item on the modified image. | 2022-02-10 |
20220044312 | METHOD AND DEVICE FOR CONTROLLING A CRYPTOCURRENCY - A method for controlling a cryptocurrency. The method includes: a bonding curve with desired properties is selected, a mechanical oscillation system is modeled in such a way that a bid price of the cryptocurrency corresponds to a first body and an ask price of the cryptocurrency corresponds to a second body of the oscillation system, the oscillation system is described with the aid of an equation of motion, and the bid price and the ask price are set according to the bonding curve and the equation of motion. | 2022-02-10 |
20220044313 | HYBRID ELECTRONIC PAYMENT PROCESS FOR CHARGE ACCOUNT - A computer is to store information indicating a plurality of validation information in form of threshold controls to perform electronic payment processes corresponding to electronic charge account purchase transactions, respectively. In response to input of charge account purchase information indicating a forecast of a charge account purchase, generate an electronic obligation transaction resulting from a plurality of verifications of the charge account purchase information based on the plurality of threshold controls; and in response to receipt of a first electronic charge statement including a plurality of statement charge lines, each statement charge line indicating information of a completed charge account purchase, providing a settable payment authorization on a statement charge line by statement charge line basis of the plurality of statement charge lines, resulting from a hybrid payment model setting, to authorize a payment corresponding to a completed charge account purchase in a statement charge line among the statement charge lines. | 2022-02-10 |
20220044314 | EXCHANGE COMPUTING SYSTEM INCLUDING A REFERENCE RATE GENERATION UNIT - A physical container (e.g., a battery) may be filled up (charged) or emptied (discharged) with energy commensurate with a reference rate, or a change in a segment reference rate. The disclosure also provides computing systems and methods for generating dynamic, customizable interest rate benchmarks based on previously executed transactions and a fixed parameter in a request. | 2022-02-10 |
20220044315 | Use of Brokered Financial Institution Deposits During Financial Institution Sweeps - A brokerage sweep account amount and a brokered financial institution account amount are identified for a client. The brokered financial institution account for the client pays a higher interest rate than the brokerage sweep account and the brokered financial institution account pays a higher interest rate than a standard savings account. A request is received to purchase a security for a first dollar amount. When the brokerage sweep account amount for the client is not equal to or greater than the first dollar amount: the brokerage sweep account amount for the client is used as a partial payment for the security; a second dollar amount is automatically obtained from the brokered financial institution account for the client to fund a remainder of the first dollar amount; and the second dollar amount is used to pay for a remainder of the security. | 2022-02-10 |
20220044316 | BLOCKCHAIN IMPLEMENTED TRANSFER OF MULTI-ASSET DIGITAL WALLETS - A processor may analyze each instance of digital assets. The processor may identify, respectively, one or more rules that are applicable to each of the digital assets. The determination of the one or more rules is identified by a compliance mechanism. The processor may validate the one or more rules against each of the digital assets in context of a first user and a second user. The processor may endorse the transfer of the multi-asset digital wallet with a compliance mechanism signature. | 2022-02-10 |