08th week of 2021 patent applcation highlights part 48 |
Patent application number | Title | Published |
20210056546 | POS SYSTEM WITH WHITE BOX ENCRYPTION KEY SHARING - Systems, and associated methods, involving both a trusted and an untrusted device where sensitive data or keys are shared between those devices are disclosed. A disclosed method includes storing a key in a secure memory on a first device, receiving sensitive data via a user interface on a second device, generating a set of white box encryption instructions based on the key using a white box encryption generator on the first device, generating a complete data representation of the set of white box encryption instructions using a secure processor on the first device, transmitting the complete data representation from the first device to the second device, and encrypting the sensitive data using the complete data representation on the second device. The complete data representation is not Turing complete and is not executable with respect to the second device. | 2021-02-25 |
20210056547 | CRYPTOASSET CUSTODIAL SYSTEM WITH PROOF-OF-STAKE BLOCKCHAIN SUPPORT - Methods and systems for secure storage and retrieval of information, such as private keys, useable to control access to a blockchain, include: receiving, in a cryptoasset custodial system, a request to authorize a staking operation associated with a blockchain, wherein the staking operation is associated with a private key of an asymmetric cryptographic key pair, the private key is usable to control ownership of a cryptoasset recorded in the blockchain, and the private key is securely held in the custodial system; performing, in response to the request, a portion of the proof-of-stake protocol in a hardware security module using logic designed for the protocol, wherein the logic in the hardware security module is configured to authorize the staking operation by digitally signing an associated staking transaction; and sending the digitally signed staking transaction to another computer to effect the staking operation on behalf of the user. | 2021-02-25 |
20210056548 | CRYPTOASSET CUSTODIAL SYSTEM WITH CUSTOM LOGIC - Methods and systems including: receiving a request to take an action in a cryptoasset custodial system for an account holder; authenticating a policy map associated with the action, wherein the policy map defines access control rules governing which actions are allowed under conditions including a threshold number of endorsements needed; and validating endorsement messages for the action by checking digital signatures of the received endorsement messages, wherein at least one of the validated endorsement messages has been generated by digital signing with a first private key of a person, who is associated with the account holder, and at least one of the validated endorsement messages has been generated by digital signing with a second private key of a program, which is associated with the account holder, responsive to the program confirming one or more circumstances specified by the account holder are met at a time when the program is run. | 2021-02-25 |
20210056549 | GAIN AND LOSS COMPUTATION FOR CRYPTOCURRENCY TRANSACTIONS - Systems and methods for gain and loss computation for cryptocurrency transactions. An example method comprises: identifying a plurality of cryptocurrency trading transactions associated with an accounting perimeter of a plurality of accounting perimeters associated with one or more cryptocurrency trading accounts, wherein each cryptocurrency trading transaction of the plurality of cryptocurrency trading transactions is represented by one of: a cryptocurrency acquisition transaction or a cryptocurrency disposal transaction; for a given transaction perimeter, assigning each cryptocurrency trading transaction associated with the transaction perimeter to a transaction bucket of the sequence of transaction buckets associated with the transaction perimeter, wherein the transaction bucket is identified by a start time and an end time, and wherein the transaction bucket is selected based on a timestamp of the cryptocurrency trading transaction, such that the timestamp falls between the start time and the end time; for a given transaction bucket, matching each cryptocurrency disposal transaction associated with the given transaction bucket to one or more cryptocurrency acquisition transactions associated with the given transaction bucket; determining, for each of the matched transactions, a corresponding fiat currency transaction amount; and computing, using the fiat currency transaction amounts, one of: a gain associated with the cryptocurrency disposal transaction or a loss associated with the cryptocurrency disposal transaction. | 2021-02-25 |
20210056550 | METHOD AND SYSTEM FOR CURRENCY TRANSFER CONFIRMATION - An embodiment of the present disclosure provides a method comprising: establishing a connection between a device of a currency sender and a device of a currency requester, the currency requester being associated with a currency account to which currency is to be sent; causing the device of the currency sender to: indicate personal identification information received from the currency requester; indicate personal identification information associated with the device of the currency requester; and when the device of the currency sender receives a first confirmation of the personal currency account, indicate a confirmation that authenticity of the currency account is verified; authorizing a transfer of currency between the currency sender and the currency requester upon receipt of confirmation from the device of the currency sender. | 2021-02-25 |
20210056551 | ELECTRONIC TRANSACTION PROCESSING - An electronic transaction processing method, including: receiving a self-verification request, sent by a payee terminal, for an order transaction; and determining whether transaction verification information carried in the self-verification request matches verification information of the order transaction, wherein the verification information of the order transaction is sent to an associated payer account when the order transaction is successful; and if both match, not carrying out reversal processing. | 2021-02-25 |
20210056552 | System and Method of Providing Proximity Payments - Methods and apparatus consistent with the present disclosure allow a customer or payor to select from a plurality of nearby vendors or payees when a computing device of the payor is physically close to electronic devices of the payees. Payee devices and locations of those payee devices may be identified and displayed on a display of a payor device. Once displayed, a specific payee device may be selected by the customer and an order for a product or service may be sent to the selected payee device from the payor device. After the product or service has been provided to the customer, information that confirms that purchase may be sent to any of the selected payee device, the payor device, or a payment processing computer and funds to pay for the product or service may be deposited into an account of the payee based on the confirmation. | 2021-02-25 |
20210056553 | Automatic Account Identifier Detection and Authorization - A computer-implemented method, computer program product, and system related to automatically updating a consumer's location with a service provider to ensure the desired performance of a consumer's services. | 2021-02-25 |
20210056554 | AUTHENTICATING CUSTOMERS BASED ON CONNECTIONS AND LOCATION DATA - Systems and methods of authenticating customers of a financial institution are provided. A customer, involved in a financial transaction may be authenticated before consummation of a financial transaction. Authentication includes the system and method verifying the customer's identity and identifying the customer as a trusted customer. Authentication further includes aspects for determining the customer is co-located with the financial institution. | 2021-02-25 |
20210056555 | SYSTEMS AND METHODS FOR USE IN AUTHENTICATING USERS BASED ON VEHICLE PROFILES - Systems and methods are provided for authenticating users based on user vehicle profiles. On exemplary method includes capturing vehicle data for a user during a driving session of the user at a vehicle, where the vehicle data is associated with at least one of: a steering wheel, a turn signal, a seat, and an entertainment system of a vehicle. The method also includes, in response to a request to authenticate the user during the driving session, comparing the vehicle data captured during the driving session to a user vehicle profile associated with an identified user stored in a memory and emitting, via wireless network adapter, a token associated with the user vehicle profile, during the driving session, in response to the vehicle data captured during the driving session substantially matching the user vehicle profile, thereby indicating authentication of the user as the identified user. | 2021-02-25 |
20210056556 | A FINANCIAL TRANSACTION CONTROL SYSTEM, AN APPLICATION AND A METHOD OF THE SAME - [Problem to be solved] To provide a financial transaction control system that makes it possible to prevent unauthorized use via skimming or identity fraud by a third party in financial transactions such as use of credit and use of debit. | 2021-02-25 |
20210056557 | METHOD AND SYSTEM FOR VERIFYING POINT OF SALE AUTHENTICITY THROUGH BLOCKCHAIN DISTRIBUTED LEDGER - A method for verifying the authenticity of a point of sale prior to the initiation of a payment transaction using unique merchant-specific data and blockchain registration includes: receiving identification data from a point of sale device; receiving data comprising a permissioned blockchain, the data including a plurality of blockchain data values, each data value including at least a set of merchant data; verifying the point of sale device by identifying, in the plurality of blockchain data values, a set of merchant data that matches the received identification data; and outputting a notification to a user of the mobile communication device if verification of the point of sale device fails, or transmitting payment credentials stored in the mobile communication device to the point of sale device if verification of the point of sale device is successful. | 2021-02-25 |
20210056558 | CHECKOUT SYSTEM, CHECKOUT METHOD, AND CHECKOUT APPARATUS - A checkout system includes a store server including a first network interface, a first memory that stores payment information indicating payment methods accepted at a store, and a first processor configured to, upon receipt of a request from a customer terminal, control the first network interface to transmit the payment information to the customer terminal. The system also includes a registration server including a second network interface, a second memory, and a second processor configured to acquire the payment information from the customer terminal via the second network interface. Upon receipt of a commodity ID of a commodity from the customer terminal via the second network interface, the second processor registers the commodity ID in the second memory and, upon receipt of a request for checkout from the customer terminal, performs checkout processing using the registered commodity ID and the payment information. | 2021-02-25 |
20210056559 | DIGITAL DEVICE WARRANTY METHOD AND DEVICES - The embodiments disclose a method including creating at least one warranty plan for financially protecting a phone or any digital device owner from damage of a phone case, screen protector, phone screen protector and a phone device or any digital device for any components damaged, providing warranty coverage for different types of phone cases including non-foldable and foldable phone cases, providing warranty coverage for different types of phone case screen protectors, providing warranty coverage for different types of phone or digital device components, registering warranty purchasers on a digital device warranty platform using a digital device warranty application, and receiving, recording and processing warranty claims filed by warranty coverage purchasers on the digital device warranty platform. | 2021-02-25 |
20210056560 | AUTOMATIC MESSAGE GENERATION AND PRESENTATION TO A COMMUNICATION NODE ENGAGED IN A COMMUNICATION - Contact center agents commonly have dissimilar levels of skill for a particular topic or ability. Often an expert is available to help lesser-skilled agents, but such experts may not always be available. Automated systems and methods are provided that allow for an agent-customer interaction to be monitored and, when a question is present, identify a best-matching knowledge unit to address the question. With the knowledge unit identified, a prior communication portion associated with the knowledge unit is then presented to the agent, such as via pop-up message, whisper voice message, etc., to allow the agent to have the benefit of the knowledge of the expert to answer the question without engaging the expert. | 2021-02-25 |
20210056561 | METHOD AND SYSTEM FOR IDENTIFYING ELECTRONIC DEVICES OF GENUINE CUSTOMERS OF ORGANIZATIONS - A computer-implemented method for identifying, among user electronic devices, customer electronic devices associated with genuine customers of organizations, the method being executed by a server, the method comprising: receiving, from a first user electronic device by the server, a first uniform resource locator (URL) of a first user browsing history; generating a first embedding corresponding to the first URL; comparing the first embedding with a template embedding of a plurality of template embeddings, the plurality of template embeddings having been retrieved from a genuity database; and in response to a difference between the first embedding and the template embedding being lower than an embedding difference threshold, adding the first embedding to the genuity database. | 2021-02-25 |
20210056562 | TRANSACTION AND IDENTITY VERIFICATION SYSTEM AND METHOD - A transaction and identity verification system includes a processor and a memory including computer program code, where executing the computer program code by the processor causes the transaction and identity verification system to utilize a private permissioned distributed ledger to qualify users for different capabilities within the system, and verify identities and purchase eligibilities of system customers. | 2021-02-25 |
20210056563 | BIOMETRIC MEDICAL PROXIES - A system uses biometric identification to set and/or verify medical proxies. A proxy assignee may be granted a medical proxy for a proxy designator via the system by the proxy designator providing a digital representation of a biometric for the designator and/or specifying the rights to be granted and the identity of the assignee to whom to grant the rights. The assignee may accept the medical proxy by providing a digital representation of a biometric for the assignee, and the medical proxy may then be associated with identity information stored for the assignee. When the assignee requests to perform an action for the designator that requires an authorization, the system may identify the assignee. Upon determining that the medical proxy is associated with the identity (and/or verifying that the medical proxy authorizes the assignee for the action for the designator), the system may allow the action to be performed. | 2021-02-25 |
20210056564 | SYSTEMS AND METHODS OF PHOTO-BASED FRAUD PROTECTION - A computer-implemented method of fraud protection is described. A server may receive one or more keywords and a likelihood of fraud from an external source. The server may receive an image of a document from a user device, wherein the document comprises at least one of a written communication or a printed communication. The server may extract text from the image of the document, compare the extracted text to the one or more stored keywords, and calculate a confidence level of fraud. The server may send an indication of the confidence level of fraud to the user device. | 2021-02-25 |
20210056565 | Devices for Single Action, Automated Personal Event Registration and Information Display, Personal - The user wearable devices are configured to allow attendees of events to exchange their information upon a simultaneous input into their respective device. The simultaneous inputs initiate a verification that the two users are registered for and present at the same event before initiating a pairing through single direction short range antennas. The simultaneous inputs can also verify whether the two users are facing one another and an appropriate distance apart to coordinate the simultaneous input. | 2021-02-25 |
20210056566 | METHODS AND APPARATUS TO PROVIDE AN ELECTRONIC AGENT - Methods and apparatus to provide an electronic agent are disclosed. An example apparatus includes a media receiver to receive media to present via a display device. A media monitor is to determine an identity of the media. A keyword handler is to, in response to identity of the media, retrieve a list including a keyword associated with the identified media. The keyword handler is to access a first database using the keyword to retrieve an advertisement associated with the keyword. An agent generator is to present an interactive electronic agent on the display device to present the advertisement. The presentation of the interactive electronic agent including presentation of spoken audio corresponding to text presented on the display device. | 2021-02-25 |
20210056567 | CONTROL METHODS AND SYSTEMS FOR CHANNEL SYNCHRONIZATION - Methods and systems for synchronizing product information with one or more channels may include a synchronization engine that may receive, for each storefront of a plurality of storefronts, product information for products and selected channels for the products. The synchronization engine may translate, for each selected channel, relevant product information to a translated product format for each respective selected channel and determine error data relating to the translated product formats. An analysis of error data may be performed, with a recommendation for preventing future synchronization errors for one or more storefronts with a particular channel based on the analysis. | 2021-02-25 |
20210056568 | Product Detection Method and Product Detection System Capable of Detecting an Event of a Product for Determining a Sales Status - A product detection method includes acquiring an image including a shelf laminate and a plurality of products placed on the shelf laminate, acquiring position information of a product of the plurality of products according to the image, detecting an event of the product by using a plurality of sensors adjacent to the shelf laminate for generating a plurality of detection results, and determining a sales status of the product according to the position information of the product disposed on the shelf laminate and the plurality of detection results. | 2021-02-25 |
20210056569 | DETECTING AND REDUCING BIAS (INCLUDING DISCRIMINATION) IN AN AUTOMATED DECISION MAKING PROCESS - In some implementations, a computing device determines an event timeline that comprises one or more finance-related events associated with a person. A production classifier may be used to determine (i) an individual contribution of each event in the event timeline to a financial capacity of the person and (ii) a first decision regarding whether to extend credit to the person. A bias monitoring classifier may, based on the event timeline, determine a second decision whether to extend credit to the person. The bias monitoring classifier may be trained using pseudo-unbiased data. If a difference between the first decision and the second decision satisfies a threshold, the production classifier may be modified to reduce bias in decisions made by the production classifier. | 2021-02-25 |
20210056570 | METHOD AND SYSTEM FOR GENERATING PURCHASE RECOMMENDATIONS BASED ON PURCHASE CATEGORY ASSOCIATIONS - Embodiments provide a computer-executable method, computer system and non-transitory computer-readable medium for programmatically generating an association among two or more purchase categories based on purchase data of a plurality of consumers. The method includes programmatically accessing, from a dataset via a network device, prior purchase data associated with purchases of a plurality of commercial objects by a plurality of consumers. The method also includes programmatically identifying a plurality of categories associated with the plurality of commercial objects. The method also includes, for each consumer in the plurality of consumers, programmatically generating a total number of purchases by the consumer in each category in the plurality of categories. The method further includes generating, using a processor of a computing device, a category association score between each pair of categories in the plurality of categories by programmatically analyzing similarities among the total numbers of purchases in the plurality of categories for the plurality of consumers. | 2021-02-25 |
20210056571 | DETERMINING OF SUMMARY OF USER-GENERATED CONTENT AND RECOMMENDATION OF USER-GENERATED CONTENT - A method for determining a summary of user-generated content. In an embodiment, the method includes: determining a plurality of sequentially arranged sentences included in user-generated content; then, determining a quality score of each sentence; and finally, determining a sentence group having the highest quality score as a summary of the user-generated content according to a constraint condition of a maximum summary character length and the quality score of each sentence, where sentences included in the sentence group are consecutive. | 2021-02-25 |
20210056572 | ONLINE SITUATIONAL AWARENESS AND VIDEO SURVEY SYSTEM - Video features encourage and ensure that survey videos are viewed in full. The survey answer block and video rewind, forward fast and mute are disabled during the video presentation. With the user's permission, telephone calls, text messaging and browsing may also be disabled during the video. Interactive responses may be required at various points in the video to ensure that the viewer is paying attention. The viewer's image may be recorded or eye gaze may be tracked while viewing the video. Candidates may be qualified for viewing videos and selected in a priority order by meeting certain demographic conditions, having certain topics of interest identified in their social media profiles, agreeing to post-video direct contact, and having participated in prior video surveys. Potential candidates may be qualified by answering qualifying questions, viewing a teaser video, or responding to a prompt asking them to opt-in to the video survey. | 2021-02-25 |
20210056573 | SYSTEMS AND METHODS FOR DETERMINING SEGMENTS OF ONLINE USERS FROM CORRELATED DATASETS - Systems and methods are disclosed for determining segments of online users from a correlated dataset. One method includes receiving, over a network, a plurality of datasets including user-related data of a plurality of users, each dataset being transmitted from a data owner; correlating, by at least one processor, the plurality of datasets into a correlated dataset; receiving a segmentation request for determining a plurality of users that qualify for a segment, the segmentation request including a set of segment rules to apply to the correlated dataset; determining, by accessing the correlated dataset, whether each user of the plurality of users qualifies for the segment based on the segment rule; and storing an indication of the segment in the correlated dataset for each user determined to qualify for the segment. | 2021-02-25 |
20210056574 | Method, System, and Computer Program Product for Predicting Future Transactions - A method, system, and computer program product for predicting future transactions may obtain merchant data associated with a merchant; determine a geographic location associated with the merchant based on the merchant data; determine one or more other merchants within a first threshold distance of the geographic location; obtain transaction data associated with the one or more other merchants and the merchant; and predict, based on the transaction data, at least one of a future number of transactions for the merchant in a future time period and a future transaction amount for the merchant in the future time period. | 2021-02-25 |
20210056575 | SYSTEM AND METHOD FOR EVALUATING MEDICAL EQUIPMENT - System and method for evaluating medical equipment for market-place of used-medical equipment, for sales, sourcing, price discovery, budgeting analysis and value arbitrage, whereby the users interact as buyers and/or sellers and/or OEM manufactures. The pricing model is based on unlocking the cash value of depreciated medical equipment using a proprietary value and pricing analysis with algorithms, and thereby creating a virtual global e-marketplace for used or refurbished medical equipment with scheduled retirement dates. Algorithms analyze, calculate, compute and output data values by combining seller's data and external data such as but not limited to prior, current and future values, supply and demand, wear-and-tear, depreciation and transferable warrantees and service plans, expected lifespan, age of equipment, condition, cost to seller, manufacturers reputation and product pedigree, and a medical device value calculator, optimal point of core value sale, cost of use analysis, geographic location and transportation and logistics costs. | 2021-02-25 |
20210056576 | SYSTEM AND METHOD OF SAFELY DISTRIBUTING HIGH DEMAND PRODUCTS - A system for use with computing devices each associated with one of a plurality of customers. The system includes a customer application executing on each of the computing devices and a computing system that receives requests, from a requesting portion of the computing devices, to purchase a product not yet available for purchase. The computing system assigns potential reservations to selected winning ones of the customers associated with the requesting portion, receives confirmations from a confirmed portion of the selected winning customers, converts the potential reservations to actual reservations for the confirmed portion, and transmits a code to each of the confirmed portion of the selected winning customers only after the selected winning customer submits validation information that the computing system determines satisfies validation criteria. A merchant transfers the product to one of the customers at a physical store location only if the customer provides the code to the merchant. | 2021-02-25 |
20210056577 | PRODUCT PROMOTION METHODS AND ASSOCIATED SYSTEMS - One embodiment of the present invention relates to a product promotion method. Another embodiment of the present invention relates to a product promotion system. In one specific example, the present invention provides a product promotion method, comprising: selecting at least one winning prize for the product promotion; selecting a time period over which the product promotion will be run; selecting a number of prize-winning items that are sold in a store; and providing at least a portion of the winning prize to a person who purchases from the store, during the time period over which the product promotion will be run, all of the selected prize-winning items. | 2021-02-25 |
20210056578 | METHOD AND SYSTEM FOR PROVIDING AUTOMATED ON-SITE MERCHANT COUPONS - A method and system for providing automated on-site merchant coupons including determining a product of interest, determining if there is a coupon available for the product of interest and then generating and transmitting the coupon if one is available. The determination of whether a coupon is available may be based on a set of rules as designated by a merchant or may be based on a price-matching criteria. | 2021-02-25 |
20210056579 | UTILIZING PAYMENT TOKENS TO TRACK REWARDS - A computer system detects the reception of a first token associated with a first transaction. The computer system determines that a first Payments Reward Identifier (PRI) is associated with the first token by accessing a PRI database. In response to determining that the first PRI is associated with the first token, the computer system accesses the PRI database and determines that the first PRI is associated with a record within the PRI database that corresponds to a first rewards ID (RID). In response to determining that the first PRI is associated with a record within the PRI database that corresponds to the first rewards, the computer system determines a first rewards amount corresponding to the first transaction, and updates a total rewards amount, in a rewards database, corresponding to the determined first RID based on the first rewards amount. | 2021-02-25 |
20210056580 | SYSTEMS AND METHODS FOR DIGITAL RETAIL OFFERS - Provided herein are methods and systems for outputting to a customer physically located in a brick-and-mortar retail establishment a plurality of personalized digital retail offers. In accordance with some embodiments, the customer may capture an image of a plurality of products using his mobile device and upload it to a Personal Digital Retail Offer System. The System may analyze the image to identify at least one product and, using customer profile information, modify the image using Augmented Reality technology to superimpose at least one image graphic onto the image, the image graphic defining a digital retail offer for that product. At the end of the customer's shopping visit, the system may reconcile the digital retail offers output to the customer during the visit against the products in the customer's transaction and provide to the customer any benefits defined by offers corresponding to such products. | 2021-02-25 |
20210056581 | METHODS AND SYSTEMS FOR TRACKING ECO-FRIENDLY FINANCIAL ACTIVITIES - Systems and methods for tracking of eco-friendly activities performed by a user in finance related actions and rewarding the user for performing the eco-friendly activities. The method includes receiving a transaction file related to the financial transaction performed by the user who has enrolled for a green-score reward service. The green-score reward service is hosted by a server system to encourage the eco-friendly activity performed by the user. The method further includes determining whether the financial transaction comprises at least one attribute from a plurality of attributes which corresponds to the eco-friendly activity. The at least one attribute is determined based on a presence of one or more green bits in the transaction file related to the financial transaction performed by the user. Upon determination, the method further includes updating a green-score in a user profile associated with the user enrolled for the green-score reward service. | 2021-02-25 |
20210056582 | SYSTEM AND METHOD FOR CONTEXT TRANSPORTATION USER EXPERIENCE - What is disclosed is a system to enable a user with an associated user device to receive a context dependent transportation experience, further wherein said system comprises a framework comprising one or more components, wherein said one or more components are coupled to each other and the user device via one or more interconnections; wherein said framework determines at least one context associated with said user and said user device; and wherein based on said determined context, said framework performs one or more actions. | 2021-02-25 |
20210056583 | SYSTEMS AND METHODS FOR INCENTIVIZING BEHAVIOR - A computer-implemented method for incentivizing user behavior including identifying an action for a user to perform, providing the number of credits that can be earned by the user for performing the action, verifying that the user has carried out the action and awarding the credits to the user. | 2021-02-25 |
20210056584 | Linking A Transaction With A Merchant To An Interaction With An Augmented Reality Advertisement - Customers receive an incentive with use of an installed cellphone app to image an AR-bearing ad. Matches between data from the customer's accounts for each merchant are compared to the data in association with the customer's logical identifier for their cellphone, and particularly with each incidence of a rendering on their display screen of an AR view of a product advertisement containing the AR-triggering symbol to initiate the corresponding AR enhanced view of the ad. In conjunction with chronological time stamping of occurrences, a likelihood is derived that the customer's viewing of the AR enhanced product advertisement influenced the potential customer's subsequent purchase of the corresponding advertised product as evidenced within the potential customer's rich transactional data from the customer's debit and/or credit accounts. The certainty of each match is determined to further initiate the merchant's incentive to the customer which may be the merchant's donation to a community program. | 2021-02-25 |
20210056585 | EXPORTER - A method, apparatus, and computer program product are disclosed for self-service design, scheduling, and delivery of user-defined reports regarding promotions. The method includes receiving, from a user device, a report type and report delivery information. Based on the report type, relevant data regarding the one or more promotions is collected, using which a report is generated. The method then outputs the generated report based on the report delivery information. Optionally, analytical insights, such as trends within the data, sample size, suitability of control data, and indications of statistical significance, are generated and included in the report. A corresponding apparatus and computer program product are also provided. | 2021-02-25 |
20210056586 | OPTIMIZING LARGE SCALE DATA ANALYSIS - Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for an object grouping system that obtains data for multiple sketches that are each stored using a set of registers and are a sampling of objects in a dataset. Each object in the dataset is a member of a digital audience. For each sketch, the system uses an identifier for a first object to generate a hashed parameter. The system determines whether the hashed parameter contributes to describing demographic attributes of the sampling of objects. The system stores demographic attributes of the first object at a register in the set when it determines that the hashed parameter contributes to describing the demographic attributes. The system generates an output that indicates a number of objects in the digital audience that were reached by content directed at the digital audience and demographic attributes for the number of objects. | 2021-02-25 |
20210056587 | SYSTEM AND METHOD FOR ENHANCED WEBSITE VISITOR NOTIFICATIONS - Method and system that includes: receiving, from a first automated service, identifying information for a website visitor; requesting, from a second automated service, further identifying information based on the received identifying information; when further identifying information is received from the second automated service, providing a query to a customer data storage system for an account that matches the further identifying information; and when a positive response to the query indicating a match is received from the customer data storage system, causing a notification to be generated that includes information included in the positive response. | 2021-02-25 |
20210056588 | METHOD, APPARATUS AND COMPUTER PROGRAM FOR PROVIDING ADVERTISING INFORMATION BASED ON IMAGES - The present invention relates to a method of displaying an image-based customized advertisement on a user device. The method includes: specifying and displaying a searchable object when there is the searchable object among images included in a displayed page; transmitting an image query including the object to a service server when receiving a user's search request for a specified object and activating a predetermined advertisement area; and displaying an advertisement image included in the advertisement information in the advertisement area when at least one piece of advertisement information is received from the service server. | 2021-02-25 |
20210056589 | METHOD AND SYSTEM FOR PROVIDING ADVERTISEMENTS - Aspects of the present disclosure include methods, apparatus, and systems for providing advertisements including receiving membership information associated with a shopper, retrieving shopper information based on the membership information associated with the shopper, receiving location information associated with a location of the shopper, generating the advertisement based on the shopper information and the location information, and transmitting the advertisement to be displayed on a display associated with the location of the shopper. | 2021-02-25 |
20210056590 | SYSTEM FOR CREATING AND ENHANCING TARGETED ADVERTISING OPPORTUNITIES BASED ON THE COLLECTION AND PROCESSING OF REUSABLE AND RECYCLABLE MATERIALS - A fully or partially automated system and associated method for generating revenue from targeted advertising based on user-determined processing of recyclable or reusable materials. Personal information about the user further includes objective criteria such as demographic information and subjective criteria based on individual preferences. Processing a container of re-usable material includes determining an objective value of the re-usable materials based on current market value for the re-usable materials and a user quality appraisal factor that is derived from an assessment of the user's history with regard to quality and type of re-usable material placed in the containers. | 2021-02-25 |
20210056591 | COMPUTER SYSTEM AND METHOD FOR AUTOMATICALLY OPTIMIZING SELECTION OF MEDIA UNITS - Aspects of the subject disclosure may include, for example, identifying an initial set of content schedule constraints including an initial plurality of values for two or more of price, available inventory, target audience, media content, number of impressions, placement dates, and placement times; generating a preliminary advertising schedule based on the initial set of content schedule constraints; calculating reach and average frequency based on the preliminary advertising schedule, resulting in a first calculated reach and a first calculated average frequency; updating one or more of the initial plurality of values of the initial set of content schedule constraints based on the first calculated reach and the first calculated average frequency, the updating resulting in an updated set of content schedule constraints, the updated set of content schedule constraints having one or more values of only some constituent content schedule constraints thereof differ from one or more values of corresponding content schedule constraints of the initial set of content schedule constraints; and generating a first updated advertising schedule based on the updated set of content schedule constraints. Other embodiments are disclosed. | 2021-02-25 |
20210056592 | SERVER APPARATUS, INFORMATION PROCESSING SYSTEM, STORAGE MEDIUM, MOBILE SHOP, AND METHOD OF OPERATING INFORMATION PROCESSING SYSTEM - A server apparatus and the like that improve operation efficiency of a marketplace for trading products are provided. The server apparatus includes a communication interface, and a controller configured to transmit and receive information to and from another apparatus via the communication interface. The controller calculates a time required until sale of a product at a display position based on a temporal change in captured images of the display position where the product is displayed until the product is sold, determines an exhibition fee for the display position based on the time required, informs a terminal apparatus of an exhibitor of the exhibition fee, and urges the exhibitor to exhibit the product for sale at the display position. | 2021-02-25 |
20210056593 | AUTOMATED RESEARCH SYSTEM, PROCESSES, AND METHODS OF USE - An automated research system, processes, and methods of use is presented. The automated research system, process, and method of use provides sponsors with the ability to view the top-performing graphics and/or advertisements for various products across hundreds of leading sites, marketplaces, and digital advertising channels while seamlessly integrating with various E-Commerce platforms to provide solutions to these issues and more, as well as allowing sponsors to research designs, creations, and advertisements and/or advertisement campaigns for products on the E-Commerce platform with a single mouse click, all of this aggregated into a single, easy to use, integrated interface. | 2021-02-25 |
20210056594 | LOCKING BOOT FOR VEHICLE WHEEL - A vehicle locking boot includes a horizontal support arm and a first vertical support arm extending from the horizontal support arm. The first vertical support arm includes a front engagement protrusion. A receiving sleeve extends from the horizontal support arm at a base of the first vertical support arm. A horizontal extension portion is coupled to the horizontal support arm. A second vertical support arm extends from the horizontal extension portion. The second vertical support arm includes a rear engagement protrusion extending therefrom. The front engagement protrusion faces the rear engagement protrusion. A keypad is disposed on the first engagement portion to lock and unlock the horizontal extension portion. A lug nut blocking plate is coupled to the first vertical support arm. A global positioning system (GPS) housing is positioned at an upper portion of the first vertical support arm. | 2021-02-25 |
20210056595 | CHANNEL SYNCHRONIZATION ENGINE WITH CALL CONTROL - Methods and systems relating to formulating requests to a commerce management engine for product information may include a synchronization engine that estimates, using error data, future synchronization errors of product information to one or more channels. Each channel has respective product data fields for that channel and the error data relates to a prior synchronization of product information from one or more storefronts to the one or more channels and includes identified errors from the prior synchronization and corresponding corrections for resolving at least a subset of the identified errors. The synchronization may formulate a request, wherein the request requests product information for one or more products of the one or more storefronts for a future product synchronization with the one or more channels and includes a request parameter that is based on the estimated future synchronization errors. | 2021-02-25 |
20210056596 | Server-side detection and mitigation of client-side content filters - A server-side technique to detect and mitigate client-side content filtering, such as ad blocking. In operation, the technique operates on a server-side of a client-server communication path to provide real-time detect the existence of a client filter (e.g., an ad blocker plug-in) through transparent request exchanges, and then to mitigate (defeat) that filter through one or operations designed to modify the HTML response body or otherwise obscure URLs. Preferably, the publisher (the CDN customer) defines one or more criteria of the page resources being served by the overlay (CDN) and that need to be protected against the client-side filtering. | 2021-02-25 |
20210056597 | Method of diminished value calculation in repaired vehicles - The invention consists of a method for calculating diminished value in automobiles and other roadway vehicles. Diminished value is the inherent loss in resale value a vehicle suffers as a result of a collision, flood or other physical damage such that would require body work and repairs. This value is found by finding a range of potential values of analogous vehicles in order to establish the range of the loss, then applying a coefficient to that value to determine where in the range the damaged and repaired vehicle properly falls. The coefficient correlating to the damages is found by taking the average of sub-coefficients tied to the relative cost of repair, the amount of labor needed to fix the damage, and the degree of structural damage incurred. While it is commonplace on the market for the sale price of a refurbished automobile to be decreased as a result of repairs, to what degree the value should be decreased is unclear and existing methods are often imprecise, unsatisfactory and conclusory in nature. | 2021-02-25 |
20210056598 | Methods and Systems for Determining a Continuous Maintenance Condition of a Physical Man-Made Structure, and Associated Effective Year Built - Apparatus and methods relate to applying a condition decay function to a property's initial investment value to generate numerical baseline condition scores for multiple predetermined time increments, and adjusting the baseline condition scores by investment value of property structure improvements occurring during each time increment and scaled according to a statistical distribution of values of property structure improvements to peer structures. Investment values may be calculated per square foot of structure. Investment values of an investment activity may be imputed according to a statistical distribution of investment values of peer structure investment activities. Adjusted condition score values may be scaled to standardized condition score values according to a predetermined quantile shift function for a property's jurisdiction(s). Effective age of a structure may be determined from condition score values. Exemplary embodiments may advantageously enable remote, objective evaluation of structure condition over time. | 2021-02-25 |
20210056599 | GENERATING FEATURELESS SERVICE PROVIDER MATCHES - The present disclosure relates to systems, non-transitory computer-readable media, and methods that utilize featureless supervised or unsupervised machine learning to generate service provider match predictions based on raw communication data. In one or more embodiments, the disclosed systems utilize a trained service provider match neural network to generate a service provider match prediction based on raw communication data associated with an incoming audio, text, or video communication. In response to the generated service provider match prediction, the disclosed systems can route the incoming communication to the matched service provider. | 2021-02-25 |
20210056600 | SYSTEMS AND METHODS FOR REAL-TIME PROCESSING OF AUDIO FEEDBACK - Embodiments discussed herein are directed to systems and methods for processing audio feedback on a business, product or service offered and providing the feedback to an associated company in a way that enables the appropriate actors within the company's organizational hierarchy to analyze and take action with respect to the feedback. Customers or employees can interact with a virtual assistant platform or other voice recognition platform to access a feedback service that enables customers or employees to provide feedback to or have a conversation with any business about their product or service. The feedback service can be accessed at any time using a mobile phone or internet connected speaker device using a digital assistant platform. | 2021-02-25 |
20210056601 | DATA PROCESSING SYSTEMS AND METHODS FOR INTEGRATING PRIVACY INFORMATION MANAGEMENT SYSTEMS WITH DATA LOSS PREVENTION TOOLS OR OTHER TOOLS FOR PRIVACY DESIGN - Computer implemented methods, according to various embodiments, comprise: (1) integrating a privacy management system with DLP tools; (2) using the DLP tools to identify sensitive information that is stored in computer memory outside of the context of the privacy management system; and (3) in response to the sensitive data being discovered by the DLP tool, displaying each area of sensitive data to a privacy officer (e.g., similar to pending transactions in a checking account that have not been reconciled). A designated privacy officer may then select a particular entry and either match it up (e.g., reconcile it) with an existing data flow or campaign in the privacy management system, or trigger a new privacy assessment to be done on the data to capture the related privacy attributes and data flow information. | 2021-02-25 |
20210056602 | SELLER VERIFICATION OF A REQUEST TO SELL AN EXCHANGE ITEM IN AN EXCHANGE ITEM MARKETPLACE NETWORK - A method begins by a server of an exchange item marketplace network receiving, from a seller computing device, a request to sell an exchange item. The method continues by obtaining seller information regarding one or more of the seller computing device and a seller associated with the seller computing device. The method continues by selecting a seller verification approach based on one or more of a predetermined approach, an approach associated with the seller computing device, and an approach corresponding to a risk level associated with one or more of the seller and the seller computing device. The method continues by verifying the seller information in accordance with the selected seller verification approach to produce a seller verification status. When the seller verification status is favorable, the method continues by verifying information regarding the exchange item and when the verifying is favorable, adding the exchange item to a virtual marketplace. | 2021-02-25 |
20210056603 | System, Device, and Method of Collaborative Gaming - System, device, and method of collaborative gaming. A first user plays a game on his electronic device, and gets stuck at a particular level or obstacle. The first user requests other users to assist him to pass that level or obstacle. An assisting user utilizes his own, separate, electronic device, for the specific purpose of temporarily engaging with that same game, at the same level or obstacle for which the assistance was requested by the first user. Success of the assisting user to pass that level or obstacle, on his own electronic device, causes the game-play on the electronic device of the first user to advance to the next level in that game, as if it was the first user who succeeded in passing. Optionally, a bidding mechanism, or an auction or a reverse auction, are used to allocate game assistance requests to candidate assisting users. | 2021-02-25 |
20210056604 | METHODS AND SYSTEMS SUPPORTING ONLINE SHOPPING AS A SHARED AND SOCIAL ACTIVITY - Certain embodiments of the disclosure relate to methods and systems that enable a consumer to electronically shop for products using a conventional electronic shopping cart such as are typically provided by online merchants, and to also create and manage one or more additional “shared” electronic shopping carts through which the end-user may automatically share details of such shopping activities with others using electronic means such as online social networks, short message services, and email, thereby enabling others to participate and assist in various shopping activities. | 2021-02-25 |
20210056605 | CONTENT CURATION AND PRODUCT LINKING SYSTEM AND METHOD - A computer-implemented method of operating a user-searchable database system of curated, themed digital content data, which method includes operating a Connects function to process and store heterogeneous digital content comprising topic data as curated topic data and identified connections between each topic and other topics, and operating a user interface to enable users to search the curated topics and present a search results page in a way that invites further investigation of topics searched, including a list or compilation of topics matching terms defining the search. The method also includes displaying topic elements corresponding to the list or compilation of matching topics in prioritized order based on each topic's relatedness to the search. | 2021-02-25 |
20210056606 | PRODUCT LIFETIME USING DISTRIBUTED LEDGER TECHNOLOGY - Systems, methods, and devices are disclosed for authenticating and predicting the remaining lifetime of a resold product. Telemetry data is received from a transceiver within the product, which is then stored within a distributed ledger. The lifetime of the product is determined by analyzing the telemetry data in the distributed ledger according to one or more models. In response to receiving a query about the product, the user is granted read access to the distributed ledger, including read access to the determined lifetime of the product and the authentication of the product (in real or near real time). | 2021-02-25 |
20210056607 | SYSTEM AND METHOD FOR RECOMMENDING PROPERTIES TO USERS FOR ESTABLISHING RELATIONSHIP BETWEEN USERS - Aspects of the invention are directed towards a method and a system for recommending properties to a user based on image analysis and thereby, establish relationship between different users of the property. One or more embodiments of the invention describe the methods comprising steps of receiving an image of a property from a user and determining one or more attributes associated with the image. Based on the received image and the attributes of the image, one or more queries are prompted to the user. The method further comprises the steps of receiving information corresponding to the one or more queries from the user and determining at least one suitable property based on the information provided by the user and the one or more attributes associated with the image. | 2021-02-25 |
20210056608 | METHODS AND SYSTEMS FOR PRODUCT SEARCHES - Search mechanism includes concurrent competitive pricing analysis, initiated during purchase workflow such as inventory or product search by merchant or customer. Recommendation for promotion or discount can be provided and automatically applied without review by a manager. Promotion can be discount, quantity, shipping or other desirable upgrade. Pricing analysis may utilize SKU, UPC, product name or other attribute. Single draft order combines purchases from offline and online channels and properly attributes origination of purchases resulting in increased accuracy of sales metrics for commissions or marketing efforts or other metrics. Draft order identifier can transmit the draft order to customer, point of sale or merchant devices, which can utilize QR code, NFC, SMS, email or other means. Single draft order can be presented and converted to a transaction on customer, point of sale or merchant devices. | 2021-02-25 |
20210056609 | COMPLEMENTARY-SIMILARITY LEARNING USING A QUADRUPLET NETWORK - A system including one or more processors and one or more non-transitory computer-readable media storing computing instructions configured to run on the one or more processors and perform generating a training dataset comprising training quadruplets; generating a respective text feature vector for each of the four respective items for the each of the training quadruplets using a vector encoder; transforming the respective text feature vector for each of the four respective items; training the shared trainable parameters of the feature representation transformation model; receiving, from a user device a selection of an anchor item from the item catalog; determining, for the anchor item, one or more similar items or one or more complementary items; and sending instructions to display the one or more of the one or more similar items or the one or more of the one or more complementary items on the user device. Other embodiments are disclosed. | 2021-02-25 |
20210056610 | Building Customer Trust in Digital Financial Tools - A method for a virtual digital assistant includes providing recommendations to a customer based on a level of trust the customer has with the virtual digital assistant. Preferences information is obtained regarding preferences of the customer regarding the virtual digital assistant. Technology comfort level information is obtained information regarding a comfort level of the customer with technology. The preferences information and the technology comfort level information are used to identify the level of trust the customer has with the virtual digital assistant. One or more recommendations are presented to the customer based on the level of trust. | 2021-02-25 |
20210056611 | VEHICLE IDENTIFICATION DRIVEN BY AUGMENTED REALITY (AR) - A device receives user rendering data for a 3-D rendering of a user. The 3-D rendering is a proportional representation of the user and the user rendering data is available via an application. The device determines user characteristics of the user. The device receives an indication that a user device has submitted a vehicle search request. The device identifies vehicles to recommend to the user based on an analysis of: the user characteristics, and vehicle characteristics for a collection of vehicles being offered via the application. The device causes vehicle description data for the vehicles to be displayed via an interface of the application. The device receives user interaction data that indicates a user selection of vehicle. The device causes, based on receiving the user interaction data, the interface of the application to display a placement of the 3-D rendering of the user into a 3-D rendering of the vehicle. | 2021-02-25 |
20210056612 | CROWD-BASED PRODUCT RECOMMENDATION SYSTEM - Providing a recommendation for a specific item of interest using a recommendation system, by obtaining information concerning items of interest offered by multiple business places, receiving a query concerning the specific item of interest from an electronic device, obtaining objective information concerning business places offering the specific item of interest, and outputting a one or more business places that offer the specific item of interest based on a function, said function receives the objective information as input. | 2021-02-25 |
20210056613 | OFFERING AUTOMOBILE RECOMMENDATIONS FROM GENERIC FEATURES LEARNED FROM NATURAL LANGUAGE INPUTS - Various embodiments are generally directed to techniques to provide specific vehicle recommendations to generic user requests. A method for providing the specific vehicle recommendation includes: receiving a generic automobile request from a user, applying a machine learning model (MLM) trained by a corpus of reviews to the received request, and generating, by the MLM, a recommendation for at least one specific automobile feature based on the generic automobile request. | 2021-02-25 |
20210056614 | SHOPPING SUPPORT DEVICE, SHOPPING SUPPORT SYSTEM, AND SHOPPING SUPPORT METHOD - A shopping support device includes a memory, a reading device, a network interface, and a processor. The processor is configured to, upon reading of a first code with the reading device at a store, decode the first code and acquire and, then store in the memory, first and second parameter values, and then control the network interface to connect to a store network using the first parameter value. Upon the reading of a commodity ID for a commodity with the reading device, the commodity ID is transmitted to a store server via the store network for registration. Upon receipt of a request from a user, checkout processing is performed based on the registered commodity ID on the server and the second parameter value. | 2021-02-25 |
20210056615 | ENHANCED SHOPPING USING MOBILE DEVICES AND MICRO-LOCATION DATA FOR IN-STORE ITEM PICK-UP BY A TRUSTED CONTACT - A method and system for enhancing shopping convenience using mobile devices and micro-location services for an item in-store pick-up by a remote user. The method and system includes sending, using a control system, to a device of a trusted contact, a notification for an item pickup at an in-store location. The method and system includes confirming, that the trusted contact has picked-up the item for the first user, and notifying the first user that the item has been picked-up. | 2021-02-25 |
20210056616 | FINANCIAL MODELING SYSTEMS AND METHODS - Systems and methods for providing financial modeling are provided. A financial modeling method according to the present invention can comprise receiving comprehensive financial data relating to an entity. The financial data can be categorized into a plurality of financial components, which can comprise a protection component, and savings component, and a growth component. An additional step can comprise analyzing the financial data, along with a set of assumptions, to create a financial model based on the plurality of financial components. The method can display a graphical representation of the financial model, and the graphical representation can illustrate an application of one or more of the financial components to the financial data. An update to the financial data or the assumptions can be received and dynamically incorporated into the graphical representation. | 2021-02-25 |
20210056617 | METHOD FOR MANAGING AN ELECTRONIC ACCOUNT ASSOCIATED WITH A PIGGY BANK - A device assigns an identifier to a piggy bank associated with a child, and associates the identifier with a first transaction account associated with the child and a second transaction account associated with a parent of the child. The device receives information indicating a value of money deposited into the piggy bank, and updates the first transaction account, based on the information indicating the value of money, to generate an updated balance for the first transaction account. The device provides, to the piggy bank or a user device associated with the piggy bank, information indicating the updated balance for the first transaction account, and receives information indicating a measurement associated with the piggy bank. The device verifies the updated balance for the first transaction account based on the measurement associated with the piggy bank, and causes the updated balance for the first transaction account to be provided to the parent. | 2021-02-25 |
20210056618 | TRANSFERRING TRANSACTIONS BETWEEN FINANCIAL INSTITUTIONS - The present disclosure provides for identification of recurring transactions to transfer to a financial institution. Potential service providers that may provide services to a user are identified based on received user information. A selection of service providers from a list of the identified potential service providers is received and recurring transactions are identified between the user and the selected service providers. The identified recurring transactions are exported to the financial institution. | 2021-02-25 |
20210056619 | SYSTEMS AND METHODS FOR VERIFICATION OF INCOME - Systems and methods for rapidly verifying income are disclosed. | 2021-02-25 |
20210056620 | MULTI-LENDER CREDIT HISTORY RECORD BLOCKCHAIN - A credit history blockchain wallet of the user account in one or more blocks of a credit history blockchain may be searched to identify a plurality of credit event records associated with a user account responsive to a loan request. A first loan offer may be received for the user account based on the plurality of credit event records in the credit history blockchain. First information associated with the first loan offer may be recorded in the credit history blockchain wallet, the first information associated with the user. An acceptance of the first loan offer may be received from the user account. Second information associated with the accepted first loan offer may be recorded in the credit history blockchain wallet of the user account in the credit history blockchain. | 2021-02-25 |
20210056621 | METHODS AND SYSTEMS FOR IMPROVING CASH FLOW - The present disclosure pertains to a system configured to improve cash flow in an agreement. Some embodiments may receive, from a party of the agreement, a request to liquidate guaranteed capital owed to a payee in advance of a predetermined structure; determine whether to initiate a surety bond responsive to the request; prepare the surety bond for the guaranteed capital; send the surety bond to a custody, obligee, or escrow agent; and automatically detect whether the payer fulfilled a condition of the agreement. | 2021-02-25 |
20210056622 | OPTIMAL FEATURE SUBSET SELECTION METHOD IN CREDIT SCORING BASED ON INFORMEDNESS COEFFICIENT - The present invention provides an optimal feature subset selection method in credit scoring based on Informedness coefficient. The present invention aims to solve the problem that the existing credit scoring system cannot ensure the strongest overall default identification ability and does not consider the correlation among features when selecting a set of features. With the maximum default identification ability of the Informedness coefficient of the credit score as the standard for optimizing a feature subset, with the decision variable that whether the feature is selected into a feature subset, with the maximum default identification ability of the Informedness coefficient as the objective function, and with the constraint condition that features reflecting information redundancy cannot be simultaneously selected to establish a 0-1 programming model, the optimal feature subset in credit scoring is selected. | 2021-02-25 |
20210056623 | IMAGE ANALYSIS AND IDENTIFICATION USING MACHINE LEARNING WITH OUTPUT ESTIMATION - The present disclosure relates to systems and methods for generating real-time quotes using machine learning algorithms. The system may include a processor in communication with a client device, and a storage medium storing instructions that, when executed, cause the processor to perform operations including: receiving an image of a vehicle from the client device, extracting one or more features from the image, based on the extracted features and using a machine learning algorithm, identifying one or more attributes of the vehicle, based on the identified attributes of the vehicle, determining a make and a model of the vehicle, obtaining comparison information based at least in part on the determined make and model, estimating a quote for the vehicle based on the comparison information; and transmitting the estimated quote for display on the client device. | 2021-02-25 |
20210056624 | SECURE COMMUNICATION FRAMEWORK FOR CRYPTO-EXCHANGE SERVICES USING ASYMMETRIC AND SYMMETRIC ENCRYPTION - A unique framework is used for securing services, its components, and the communication channels in a digital asset exchange. The security framework may encompass a combination of authentication, limited access between every participating services (e.g., actors, machines, and components), and a hybrid cryptographic communication channel using both asymmetric and symmetric encryption. | 2021-02-25 |
20210056625 | ARTIFICIAL INTELLIGENCE AND MACHINE LEARNING IN A CLUSTERING PROCESSES TO DEVELOP A UTILITY MODEL FOR ASSET ALLOCATION AND AUTOMATED REBALANCING OF EXCHANGE TRADED FUNDS - Artificial intelligence and machine learning in a clustering process to develop a utility model for asset allocation, engineering and other applications. The present invention defines a group of assets using specialized electronic circuits. The invention provides a utility function preference criterion to a user using a graphics interface implementing a first preference criterion, a second preference criterion and a third preference to be selected by a user. The invention operates in clustering the assets using a multi-level time series clustering approach using machine learning function to establish parameters for a utility function based upon the selected desired preference criterion. The invention operates to pass the assets through the utility function to assign a utility score to each of the assets, rank the assets based upon the assigned utility score of each asset, and create a portfolio of assets. | 2021-02-25 |
20210056626 | GRAPHICAL USER INTERFACE FOR CASH-SETTLED BET DIVESTMENT IN ODDS-BASED MARKETS - Systems, methods, and devices, are disclosed in which a graphical user interface is presented. The graphical user interface includes a first interface that displays a plurality of odds selection buttons for making a selection of one or a plurality of time-varying odds offered for trade on one or more outcomes in a betting marketplace and a buy button for communicating the odds selection over a network interface for matching as a bet. The graphical user interface further includes a second interface that displays at least one bet selection button for making a selection of one or more previously matched bets and a sell button for communicating the bet selection over the network interface for divestment of the selected bet. The second interface can be reached directly from the first interface via a single action of a user input device. | 2021-02-25 |
20210056627 | CURRENCY EXCHANGE AND FOREIGN EXCHANGE TRANSACTION METHOD OF USING BLOCKCHAIN-BASED DIGITAL ASSETS INCLUDING CRYPTOCURRENCY AS INTERMEDIARY - The present invention relates to a currency exchange and foreign exchange trading method through a block chain-based digital asset including cryptocurrency as a medium. More particularly, the present invention provides a method of easily and quickly executing exchange transaction without economic loss, which excludes transfer of the block chain-based digital asset between exchanges with delayed standby time, instead, uses: an environment wherein the digital asset is traded with cross-currency in a single exchange; an environment wherein the digital asset is shared by a contract or the like between a plurality of exchanges dealing with different currencies from one another; or an environment wherein transaction information of the above digital asset is shared between the exchanges even though the digital asset is not directly shared, so as to establish a foreign exchange market using the digital asset as a medium in a digital asset exchange based on the block chain technology, whereby the consumer directly receives application of buy-offer spread in the market. | 2021-02-25 |
20210056628 | METHOD, SYSTEM, AND NON-TRANSITORY COMPUTER-READABLE RECORD MEDIUM FOR CRYPTOCURRENCY OPTIMIZATION TRADING - A method, system, and non-transitory computer-readable record medium for optimization trading of a cryptocurrency are provided. A method for optimization trading of a cryptocurrency includes calculating a volume of a target coin that is a cryptocurrency to be traded with a base coin corresponding to a cryptocurrency held by a user with respect to at least one market corresponding to a market cryptocurrency; and providing recommendation information related to trading of the target coin to an electronic device of the user based on the calculated volume of the target coin. | 2021-02-25 |
20210056629 | Systems and Methods for Dynamically Visualizing Potential Trade Outcomes Based on Real-Time Options Price Data - This invention relates to systems and methods for processing and visualizing data related to trading strategies for exchange-traded equities based upon real-time options data. | 2021-02-25 |
20210056630 | SYSTEMS AND METHODS FOR DISTRIBUTED ENCODING AND GLOBAL EXCHANGE ARCHITECTURE - Various aspects of the disclosure relate to using a verifiable and distributed encoding as a digital currency (e.g., cryptocurrency). According to some embodiments, systems and methods can be executed to transfer cash or “hard” currency responsive to exchange of cryptocurrency supported by blockchain technology. In further example, the systems and methods are tailored to operate within a specified/defined community that ensures the efficient operation of the system by ensuring liquidity of the transfer. According to one embodiment, the system is configured to distribute stable coin, issuing the coin at a discounted value (e.g., relative to a redemption or cash equivalent face value). For example, by issuing coin at a discount the system automatically facilitates peer-to-peer physical cash transfers. | 2021-02-25 |
20210056631 | Systems and Methods for Using Order Modifiers in Relation to Trading Strategies - A quantity modifier and a price modifier are provided for a spread trading strategy having a desired spread price and a desired spread quantity. According to an example embodiment, a quantity modifier divides the desired spread quantity into a plurality of disclosed spread quantities. Once the disclosed quantities are determined, a plurality of disclosed spread orders having the disclosed spread quantities are sequentially submitted to the market until the full desired spread order quantity is executed or until a predefined condition is detected. A price modifier determines a price level for each disclosed spread quantity, such that each disclosed spread order may be submitted at a different price level. | 2021-02-25 |
20210056632 | Lean Level Support for Trading Strategies - Certain embodiments of the present invention provide techniques for lean level support for a trading strategy. According to certain embodiments, the support for a price level under consideration as a lean level is determined based at least in part on quantity available at the price level. According to certain embodiments, the support for a price level under consideration as a lean level is determined based at least in part on quantity available at one or more other price levels. According to certain embodiments, the support for a price level under consideration as a lean level is determined based at least in part on the number of orders at one or more price levels. A lean level may then be determined based on the determined support. According to certain embodiments, a lean multiplier and/or a lean base are determined dynamically based on the determined support. | 2021-02-25 |
20210056633 | DARKPOOL MATCHING OF ORDERS WITH PRICE DISCRETION - Various embodiments are directed to systems and methods for processing a discretion order in a dark pool matching environment. A first order to buy or sell a trading product is received from a computer of a first trader. The first order has a first price and a first size. A second order to buy or sell the trading product that is contra to the first order is received from a second trader. The second order defines a second quantity and a price range of possible prices at which the second order can be executed. The price range comprises at least a second price. The second quantity of the trading product is reserved in an OMS of the second trader such that the second quantity of the second order is permitted by the OMS to be executed at any price within the price range. The second order is received before or after the first order is received. A processor determines that the first price of the first order is within the price range of the second order. Responsive to the determination, two items are output to the second trader: (1) the price of the first order and (2) an execution indicia selectable by the second trader to cause at least a portion of the second order to be executed against at least a portion of the first order. The first price of the first order and the execution indicia are not output or otherwise disclosed to the second trader prior to the act of determining that the first price of the first order is within the price range of the second order. | 2021-02-25 |
20210056634 | METHODS AND SYSTEMS FOR FACILITATING MODELING OF A FINANCIAL INSTRUMENT BASED ON A PHYSICAL MODEL - A method of modeling a financial instrument may include a step of receiving, using a communication device, at least one parameter associated with the financial instrument. Further, the method may include a step of analyzing, using a processing device, the at least one parameter. Further, the method may include a step of identifying, using the processing device, the physical model based on the analyzing. Further, the method may include a step of generating, using the processing device, the financial instrument model based on the identifying and the analyzing. Further, the method may include a step of receiving, using the communication device, a request from a user device. Further, the method may include a step of generating, using the processing device, a response based on the request and the financial instrument model. Further, the method may include a step of transmitting, using the communication device, the response to the user device. | 2021-02-25 |
20210056635 | AUTOMATED OBJECTIVE GENERATION OF DATA FOR, AND POST VALIDATION OF, ESTIMATION OF TERM SOFR BENCHMARKS - The disclosed embodiments relate to automated generation of objective data for use in computing a forward interest rate for a future time period subsequent to a current date, as well as post validation thereof. Periodic sample sets of the prices of actual completed trades between anonymized parties of each of a set of interest rate futures contracts having consecutive expiration months which collectively include the selected future time period are obtained from an anonymized electronic trading system. The prices of current best offers to buy/sell each of those contracts are also randomly obtained. Each sample set, along with the randomly selected prices, is then processed to identify a subset thereof which are consistent with a relationship between the underlying interest rate of the set of contracts and time period covered thereby. The identified subset of each sampling period are then combined into an objective data set for submission to a rate generator which computes one or more forward interest rates, for one or more tenors, based thereon. | 2021-02-25 |
20210056636 | SYSTEMS AND METHODS FOR MEASUREMENT OF DATA TO PROVIDE DECISION SUPPORT - A method for determining present or future trends, and providing a recommendation based on those trends is provided. The method includes receiving raw data, where the raw data is data which has not been cleaned or normalized, cleaning and normalizing the raw data, creating historic data via machine learning, comparing the cleaned and normalized data with the historic data, generating a model based on the compared cleaned and normalized data and the historic data, wherein the model generates one or more determinations, and providing the one or more determinations for use by a recommendation engine or a user. Additionally, a method of collecting specific data is provided. The method includes receiving a survey and additional information provided by a panelist on a mobile application, filtering and organizing the panelists, storing the collected information, providing the stored data to a server for cleaning and normalizing, and providing the panelist with rewards. | 2021-02-25 |
20210056637 | SYSTEM AND METHOD FOR RULES-DRIVEN ADJUDICATION - A system and method for rules-driven adjudication is disclosed. The system includes a storage includes a rule library having a plurality of rules, each rule being in a human-readable format and including a first data tag, a comparator, a comparison value, and a result. The system also includes a rules manager configured to receive and store a new rule. The system includes a rules evaluator configured to receive an adjudication request having a data object associated with a data tag, and evaluate the request and create a primary determination by applying a first rule to the request, and further applying a first subsequent rule and all logically adjacent rules until all logically adjacent rules have been exhausted and the primary determination is an indefinite outcome or the applying of a final rule returns an outcome that becomes the primary determination. | 2021-02-25 |
20210056638 | Computer Systems and Software for Self-Executing Code and Distributed Database - A computer-implemented method includes creating a premiums escrow, with a zero balance, for a group of policyholders and managed using a distributed ledger and self-executing agreement. At a term beginning, the self-executing agreement receives premium payments sing cryptocurrency from each policyholder and allocates the premium payments to the premiums escrow. During the term the self-executing agreement receives a notification of an incident claim associated with a claimant policyholders. At a term end, the self-executing agreement receives payment instructions from the policyholders; pays, using cryptocurrency from the premiums escrow, the claimant an incident claim payment larger than the premium payment and determined according to the payment instructions; and distributes to the policyholders a rebate payment equal to or lower than the premium payment from the premiums escrow, which returns to a zero balance. The self-executing agreement stores a record of the incident claim in a tamper-proof, publicly-available, non-repudiable distributed ledger. | 2021-02-25 |
20210056639 | TELEMEDICINE PRACTITIONER ONBOARDING WITH ON-DEMAND PER ENCOUNTER MALPRACTICE LIABILITY COVERAGE - Systems and methods are described herein for offering, providing, and charging for on-demand per-encounter liability coverage for healthcare practitioners engaged in telemedicine consultations in connection with a telemedicine platform. The per-encounter liability coverage may be provided to supplement an existing insurance policy of the healthcare practitioner that is, for example, limited to cover only in-person consultations. The on-demand per-encounter liability coverage may be offered in connection with enrollment by the healthcare practitioner in a telemedicine platform that facilitates various types of telemedicine consultations. | 2021-02-25 |
20210056640 | Processing Insured Items Holistically with Mobile Damage Assessment and Claims Processing - Systems and methods provide for an automated system for analyzing damage and processing claims associated with an insured item, such as a vehicle. An enhanced claims processing server may analyze damage associated with the insured item using photos/video transmitted to the server from a user device (e.g., a mobile device). The mobile device may receive feedback from the server regarding the acceptability of submitted photos/video, and if the server determines that any of the submitted photos/video is unacceptable, the mobile device may capture additional photos/video until all of the data are deemed acceptable. To aid in damage analysis, the server may also interface with various internal and external databases storing reference images of undamaged items and cost estimate information for repairing previously analyzed damages to similar items. Further still, the server may generate a payment for compensating a claimant for repair of the insured item. | 2021-02-25 |
20210056641 | Computer System Architecture for Integrated Coverage Platform for Implementing an Adaptive Coverage Policy - A connectivity hub server detects the occurrence of a qualifying update event associated with a user and generates one or more recommended updates to the user's existing coverage based on the qualifying update event. Responsive to the user electing an adaptive coverage policy during an initial coverage binding process, the connectivity hub server periodically queries one or more third-party data sources for information associated with the user and analyzes the received information to detect the occurrence of a qualifying update event. Modules of the connectivity hub server determine one or more recommended coverage updates based on a stored mapping and implement one or more of the recommended coverage updates based on instructions from the user device. | 2021-02-25 |
20210056642 | SYSTEM AND METHOD OF USING AN IMAGE OBJECT AS A VISUAL DATA CONTAINER - A method and system for associating information regarding an object with image objects is disclosed, wherein each image object is a visual data containers including an image associated with the object and data items relating to the object. A user may interact with a graphical user interface to create, modify, and associate image objects by means of the associated images. Information regarding the objects may be associated therewith by means of the image objects, and image objects may be associated with other image objects to generate associations between information regarding the underlying objects. Information regarding other image objects or the associated image may be used to determine information regarding the object, which may be associated with the image object. In some embodiments, associating two or more image objects may associate the underlying objects for purposes of insurance policies or may generate a new insurance policy based on the image objects. | 2021-02-25 |
20210056643 | ENHANCED RATING INTERFACE AND TECHNIQUES - Techniques for providing improved rating interfaces and techniques as applied to providing and measuring dynamic self-awareness within human networks. A server transmits to a plurality of computing devices a first command for each respective device to display a self-rating user interface and receive a self-rating input from a respective user. The server receives the plurality of self-rating inputs from the plurality and transmits to the plurality a second command for each respective computing device to display a peer rating user interface and receive a peer rating input from a respective user. The server receives the plurality of peer rating inputs from the plurality and calculates statistics comparing the self-rating inputs and the peer rating inputs from the plurality of respective users. The server transmits to the plurality, a third command for each respective computing device to display, by the respective computing device, a summary of the calculated statistics. | 2021-02-25 |
20210056644 | Golf Mobile Application System - A system for managing in-person golf contests for use on a mobile device using a computing platform to provide a service by which an individual can participate in an in-person game of golf for prize money. The user downloads the application, creates a user account, chooses the location and opponents and submits a cash amount to be distributed to the winner. The system further allows for the creation of a profile, social networking between users, scheduling and booking of golf course facilities, gaming competitions, viewing local restaurants and bars and selling and buying of goods. | 2021-02-25 |
20210056645 | DATING WEBSITE WITH CERTIFIED QULIFICATION INFORMATION - To help find dates with real information and good qualification, a website and an APP for dating provide dates' certified information such as college degree, income, occupation, house and car. Dates' photo IDs or driver licenses will also be posted up after blocking personal information, to show original head pictures and to verify ages. | 2021-02-25 |