24th week of 2020 patent applcation highlights part 61 |
Patent application number | Title | Published |
20200184474 | STORAGE MEDIUM, DATA TRANSACTION PROCESSING APPARATUS, AND DATA TRANSACTION PROCESSING METHOD - A non-transitory computer-readable storage medium storing a program that causes a processor included in computer to execute a process, the process includes requesting a terminal of a purchaser who has purchased data to pay for the data and a deposit, transmitting the data to the terminal in response to the payment for the data and the deposit, and refunding an amount of money within the deposit to the terminal of the purchaser in response to a report on illegitimacy of a distributor of the data from the terminal of the purchaser. | 2020-06-11 |
20200184475 | DATA AGGREGATION SERVICES FOR PAYMENT CARDS - Systems and methods for verifying the current status of a payment card are provided that may efficiently aggregate and distribute non-visible information regarding a recovered payment card. More particularly, the systems and computer-implemented methods of the present invention permit the efficient aggregation of the non-visible payment account data associated with a payment card and the distribution of such data to investigators in possession of the card. Such systems and methods for verifying a payment card typically involve: (a) aggregating payment account data associated with the payment card in an aggregated data storage site; (b) obtaining visible verification data associated with the payment card from an investigator; (c) verifying the visible verification data associated with the payment card; (d) retrieving the payment account data from the aggregated data storage site; and (e) submitting the payment account data to the investigator. | 2020-06-11 |
20200184476 | MULTI-FACTOR AUTOMATED TELLER MACHINE (ATM) PERSONAL IDENTIFICATION NUMBER(PIN) - An automated teller machine (ATM) may include an input component and one or more processors. The input component may be configured to detect multi-factor input associated with an account. The multi-factor input may include at least two of: a sequence of characters input via the input component, a force with which at least one character, of the sequence of characters, is input via the input component, a length of time over which at least one character, of the sequence of characters, is input via the input component, or a combination of at least two characters, of the sequence of characters, that are input concurrently via the input component. The ATM may receive the multi-factor input, validate the multi-factor input in association with the account, and selectively permit or deny access to one or more actions associated with the account based on validating the multi-factor input. | 2020-06-11 |
20200184477 | SECURE PASSCODE ENTRY USING MOBILE DEVICE WITH AUGMENTED REALITY CAPABILITY - Secure passcode entry using a mobile device having augmented reality capability. The mobile device is registered with an authorization server to register an agreed input display algorithm with an initialization seed, and a user passcode is registered with the authorization server. A superset of options is obtained from an input interface device at which a user passcode is to be entered. The superset of options is processed using the input display algorithm and initialization seed to result in an arrangement of characters including the characters of a registered user passcode. The arrangement of characters is overlaid using the augmented reality capability of the mobile device in relation to an input interface of the input interface device. | 2020-06-11 |
20200184478 | SECURE TRANSACTION INTERFACES - Systems and methods for secure transaction interfaces. In one implementation, a processing device receives, within a user input interface and while a user communication agent is presented at a display interface of a device, a selection of a transaction initiation control, presents, in response to the selection of the transaction initiation control and via the user input interface, a transaction execution control, presents, in response to a selection of the transaction execution control, identifier(s) via an identifier selection control, receives a selection of the identifier(s), transitions, in response to the selection of the identifier(s), the user input interface into a numeric input interface, receives a numeric input via the numeric input interface, activates a transaction confirmation control within the user input interface, and executes, in response to a selection of the transaction confirmation control, a secure transaction with respect to the selected identifier(s) and the numeric input. | 2020-06-11 |
20200184479 | SYSTEMS FOR MANAGING CRYPTOCURRENCY TRANSACTIONS - Computer-implemented systems are provided for managing cryptocurrency transactions. Consistent with disclosed embodiments, the systems may comprise at least one processor; and at least one memory device. The memory device may contain instructions that, when executed by the at least one processor, cause the system to perform operations. The operations may include receiving, from a third party, information relating to a cryptocurrency account. The operations may also include storing the information in a database. The operations may also include receiving, from a user, a request to investigate the account. The operations may also include identifying a characteristic associated with the account. The operations may also include determining a risk factor for the account, based at least in part on the characteristic, and sending, to the user, a first command to display the risk factor. | 2020-06-11 |
20200184480 | LOCATION-BASED VERIFICATION FOR PREDICTING USER TRUSTWORTHINESS - A computer-implemented system and method is provided for computing and displaying a location-based trustworthiness score for a user. The location-based trustworthiness scored is determined based on at least location-based verification of time-location data from one or more transactions involving the user. Time-location data for the transaction is compared with time-location data associated with the user to determine a location-compliance level. The location-compliance level is used to calculate the location-based trustworthiness score for the user. The location-based trustworthiness score is transferred to one or more computing devices associated with one or more additional users for display. | 2020-06-11 |
20200184481 | System, Method, and Apparatus for Processing Biometric Inputs - Provided is a point-of-sale system for processing biometric inputs, comprising a fingerprint reader configured to receive a plurality of fingerprints simultaneously or substantially simultaneously, an input device configured to receive transaction data, a communication device, and at least one processor in communication with the fingerprint reader, the input device, and the communication device. The at least one processor is programmed or configured to generate at least one transaction message for a transaction based at least partially on a plurality of account identifiers corresponding to the plurality of fingerprints received by the fingerprint reader and the transaction data received by the input device, the at least one transaction message comprising an apportionment of the transaction value among the plurality of account identifiers, and communicate, with the communication device, the at least one transaction message to a transaction processing server. A system and method for processing biometric inputs are also disclosed. | 2020-06-11 |
20200184482 | SYSTEMS AND METHODS FOR PROVISIONING ACCOUNTS - Systems and methods are provided for use in provisioning accounts to applications included in mobile devices. One exemplary method includes receiving, at a mobile device, a request to provision an account to a mobile device; prompting a user associated with the account for authentication at a wireless device associated with the account; receiving an account credential from the wireless device, via a local wireless communication between the mobile device and the wireless device, when the user is authenticated at the wireless device; transmitting the account credential toward a first party associated with the account, whereby the account credential is indicative of the authentication of the user; and provisioning the account to the mobile device, in response to an approval received from the first party. | 2020-06-11 |
20200184483 | ABNORMALITY DETECTION APPARATUS, CONTROL METHOD, AND PROGRAM - An acquisition unit ( | 2020-06-11 |
20200184484 | System and Method for the Distributed Approval of Image Based Claims - A system and a method for the distributed approval of image-based claims are disclosed. The system receives a claim and one or more claim images of an item, and retrieves one or more control images of an item of similar type. The system presents the claim images and control images in a graphical user interface that randomly arranges the images. The system receives input from each of a group of individuals indicating a ranking corresponding to a state of damage of the item portrayed in each of the images, where the ranking is relational to each of the images. The system determines an overall ranking of the claim based on the ranking of the images received from the individuals. The system automatically approves or denies the claim based on the overall ranking. | 2020-06-11 |
20200184485 | SYSTEMS AND METHODS FOR PROCESSING SUPPORT MESSAGES RELATING TO FEATURES OF PAYMENT NETWORKS - Systems and methods are provided for processing messages from users, via interactive interfaces, requesting support relating to features of applications available to the users. In connection therewith, the systems and methods normalize and score the user messages, and use the scores, in combination with scores for historical messages or scores for crowdsourced messages, to identify appropriate response messages for transmittal to the users. In various aspects, the crowdsourced solutions can be voted by both users and domain experts, and also verified by the domain experts. If a solution is verified it will be flagged and it can be included into a reference solution database as a standard response. However, when the scores assigned to the messages do not produce suitable results, a request for additional information relating to the issue described by the user is transmitted via the interactive interface. | 2020-06-11 |
20200184486 | Method and Apparatus for Tracking an Edible Consumable - A method and apparatus for tracking animal protein intended for consumption includes receiving completed questionnaires from a person associated with a farm. The completed questionnaires are stored in a database and subsequently compared by management, an algorithm, or a combination of management and an algorithm, to a set of standards. If the answers to the questionnaires meet the standards, the server on which the database is stored generates a unique quick response (QR) code that identifies a specific animal protein intended for consumption that is produced by one specific farm and is indexed to a robust amount of data points that are of interest to the consumer, including farm details, customer's distance from the farm, the entire supply chain and details pertaining to the sourcing, raising and processing of the animal, in a standardized, easy-to-read embodiment. | 2020-06-11 |
20200184487 | ADAPTIVE TRANSACTION PROCESSING SYSTEM - Systems and techniques are described for applying machine learning techniques to dynamically identify potentially anomalous activity of entities. In some implementations, peer group data is obtained. The peer group data indicates multiple entities classified as belonging to a particular peer group, and a set of attributes associated with the multiple entities. Transaction data for the multiple entities is obtained from one or more data sources. One or more transaction models are selected. The transaction models that are each trained to apply a particular set of evidence factors corresponding to the set of attributes associated with the multiple entities, and identify transaction patterns representing potentially anomalous activity. The transaction data is processed using the one or more transaction models to identify potentially anomalous activity within the transaction data for the multiple entities. A prioritization indicator is computed for each entity included in the multiple entities. | 2020-06-11 |
20200184488 | FRAMEWORK FOR GENERATING RISK EVALUATION MODELS - Methods and systems are presented for providing a framework to generate computer models for detecting fraudulent electronic transactions. The framework selects and retrieves a set of transaction records from an online database system based on one or more criteria. The framework then enriches the set of transaction records with additional data related to the set of transaction records. The additional data of each transaction record may include transaction data of another transaction record selected based on a common attribute shared with the transaction record. The framework serializes the transaction data and the additional data associated with the set of transaction records. A set of features is derived based on analyzing the serialized data. The framework then generates a computer model for detecting fraudulent electronic transaction based on the set of features. | 2020-06-11 |
20200184489 | METHODS, SYSTEMS AND APPARATUS TO TRACK A PROVENANCE OF GOODS - Methods, apparatus, systems and articles of manufacture are disclosed to track a provenance of goods. An example apparatus includes an unsigned block generator to generate a first unsigned block to store first processing data associated with the product by a first entity, a block signature engine to sign the first unsigned block with a first private key to generate a blockchain having a first signed block, the unsigned block generator to generate a second unsigned block in response to a second entity generating second processing data associated with the product by the second entity, the block signature engine to expand the blockchain by signing the second unsigned block with a second private key to generate a second signed block within the blockchain, and a blockchain validator to verify the product provenance by validating the first processing data and the second processing data using respective public keys associated with the first entity and the second entity. | 2020-06-11 |
20200184490 | CUSTOMIZABLE DATA MANAGEMENT SYSTEM - The invention relates to methods, systems, and computer-readable media related to a system having a plurality of users, designed to display a user-customized subset of item and/or provider information to the user. | 2020-06-11 |
20200184491 | SYSTEMS AND METHODS FOR MANAGING INFORMATION TECHNOLOGY INFRASTRUCTURE TO GENERATE A DYNAMIC INTERFACE - A system includes a device configured with a tool that interfaces with administrator devices remote from the device. The system receives an identifier of an administrator of an administrator device. The system retrieves an administrator profile corresponding to the identifier. The system identifies one or more administrator profiles stored in the administrator profile data structure of one or more different administrators. The system determines a similarity metric between the administrator profile and each of the identified administrator profiles. The system identifies the administrator profiles having the similarity metric satisfying a predetermined threshold. The system instantiates a dynamic report interface to render an electronic report indicating a first value of a first performance metric of the administrator based on the administrator profile and a second value of the first performance metric based on the identified administrator profiles. The system provides the electronic report for display via the administrator device. | 2020-06-11 |
20200184492 | Myleadsupplier - This disclosure relates generally to the methods and systems are presented for assessing sales leads obtained through a lead generation product. One exemplary method comprises receiving consumer information from a potential consumer via a lead generation product; receiving activity information about the potential consumer's interaction with the lead generation product; using the received consumer information and received activity information to develop one or more category scores; and developing a sales lead quality score from the one or more category scores. When a lead comes from vendors our platform contact them and connect the agent that looking to buy leads. Our platform also sends emails and text messages to get the lead connected to our platform and other insurance agents. Another uniqueness of our system that will call the lead and get the lead associated with a representative. | 2020-06-11 |
20200184493 | SYSTEMS AND METHODS PROVIDING EN MASS COLLECTION AND CENTRALIZED PROCESSING OF PHYSIOLOGICAL RESPONSES FROM VIEWERS - An example system includes a first headset including first sensor to gather first user data from a first subject during exposure to media, the first user data including at least one of psychophysiological data or physiological data; and a first processor to generate first data indicative of an emotional response of the first subject based on the first user data. The example system includes a second headset including a second sensor to gather second user data from the second subject during exposure to the media, the second user data including at least one of psychophysiological data or physiological data; a second processor to generate second data indicative of an emotional response of the second subject based on the second user data and synchronize the second data with the first data to generate synchronized response data; and a second transmitter to transmit the synchronized response data to a central processor. | 2020-06-11 |
20200184494 | Demand Forecasting Using Automatic Machine-Learning Model Selection - Disclosed is a system for forecasting demand for goods and/or services. In at least certain embodiments the system is configurable to select a machine learning model from among multiple different machine learning models for forecasting demand for a dataset that may be continually being updated over time. The models available to the system are each based on different machine learning algorithms (e.g., linear regression, gradient boosting, neural network, etc.) as well as several variations for each algorithm available to the system. The system can monitor changes in the datasets, changes in accuracy of the machine learning results, and external factors, and based thereon, determine whether to initiate a model reselection process or a model retraining process. Each machine learning model can be evaluated against each dataset and can select the best model for the dataset. | 2020-06-11 |
20200184495 | Prediction of Business Outcomes by Analyzing Image Interests of Users - A method and a system for predicting business outcomes by analyzing image interests of users are provided. The method includes generation of predictor models based on sample data of tests users. The sample data includes historical data of the test users, images that are of interest to the test users, and answers provided by the test users to psychometric questions. The predictor models are then used to predict psychometric features and business outcomes for a target user based on target data of the target user. The target data includes images that are of interest to the target user, historical data of the target user, and answers provided by the target user to the psychometric questions. | 2020-06-11 |
20200184496 | PSYCHOPHYSIOLOGICALLY ENHANCED FINANCIAL MARKET TRADING SYSTEMS AND SECURITIES EXCHANGES - Trading within the context of the financial markets is characterized by decisions that are made between buyer and seller that either conclude with a reward or loss. Thusly, trading can be considered a performance-based activity wherein one's success is directly impacted by one's performance. Like any other performance-based activity, trading can be negatively impacted by psychophysiological stress. The problem with conventional trading systems, securities exchanges and the methods and processes they employ is that they do not address the psychophysiological states of the participant and thusly ignore the impact stress can have on the trading process. This exemplary system facilitates improved decision making and mitigates loss during trading activities with the integration of non-invasive, psychophysiological, performance-enhancement tools and techniques embedded within a comprehensive trading and securities exchange system. The exemplary systems, methods, interfaces and software demonstrated herewith enhances the financial market decision making process for both the buyer and seller by quantifying their psychophysiological response to the opportunities and threats of the financial markets in real-time. This process of quantifying psychophysiological response serves to inform advanced decision making assessment, training, monitoring and evaluation toward the objective of attaining a state of consistent peak performance, thereby providing for improved real rates of return for traders, investors, portfolio managers and fund managers alike. | 2020-06-11 |
20200184497 | CUSTOMER SATISFACTION DATABASE MANAGEMENT SYSTEM - Embodiments of the disclosed system and methods address the above problems by providing a central repository of data collected from past customers (or potential customers) during interactions with a variety of vendors, and by permitting vendors to access that data (and analyses derived from that data) in a meaningful way. In particular, after collecting customer (or potential customer) data, embodiments of the disclosed system perform certain data processing and analytics to normalize the data based on the customer's past feedback, and present that modified data to a vendor accessing the system. This permits the vendor to compare, customer-for-customer, previously-provided feedback data and adjust the sales approach and process accordingly. | 2020-06-11 |
20200184498 | SYSTEMS AND METHODS FOR DESIGNING AND DEPLOYING WIRELESS COMMUNICATION MESH NETWORKS - Disclosed herein are systems and methods that relate to wireless communication mesh network design and operation. In one aspect, the disclosed process may involve (1) obtaining potential-customer information related to a set of potential customers for a service to be provided through a wireless communication mesh network in an AOI, where the potential-customer information comprises both (i) information related to potential customers that are identified during a pre-marketing phase and (ii) information related to potential customers that are identified during a door-to-door marketing phase, and where the set of potential customers have a corresponding set of customer locations in the AOI, (2) evaluating the obtained potential-customer information and thereby identifying a subset of customer locations at which to deploy the wireless communication mesh network, and (3) generating and outputting information that facilitates deployment of the wireless communication mesh network at the identified subset of customer locations in the AOI. | 2020-06-11 |
20200184499 | VEHICLE-TO-VEHICLE CHARGING SERVICE PROVIDING METHOD - A vehicle-to-vehicle charging service providing method includes: transmitting, by a supplier who wants to charge another electric vehicle, supplier information, which is charging related information that can be provided, to a server via a supplier terminal; inputting, by a demander who wants to charge an electric vehicle, demander information via a demander terminal; selecting suppliers corresponding to the demander information from supplier information of the server; acquiring supplier information of the filtered suppliers from the server and providing the acquired supplier information to the demander via the demander terminal in a selectable manner; transmitting supplier information selected by the demander from the supplier information provided to the demander to the server via the demander terminal; and transmitting, by the server, completion information indicating completion of charging reservation matching to a supplier selected by the demander and to the demander. | 2020-06-11 |
20200184500 | REWARD POINT MANAGEMENT DEVICE, REWARD POINT MANAGEMENT METHOD, AND REWARD POINT MANAGEMENT SYSTEM - A reward point management device includes one or more processors configured to: calculate a safe driving score based on safe driving points corresponding to a degree of safe driving of a user according to a user's driving behavior in a leased vehicle; calculate an eco-driving score based on eco-driving points corresponding to a degree of eco-driving of the user according to the user's driving behavior in the leased vehicle; calculate a service score based on service entry information on the leased vehicle; and calculate reward points to be given to the user based on the safe driving score, the eco-driving score, and the service score. | 2020-06-11 |
20200184501 | REACTIVE SHOW-SPECIFIC GAME SHOW PROCESS AND SYSTEM - A system and method are provided for enhancing consumer and/or customer awareness and attentiveness to advertising media presented in public forums by adding elements of reactive gamification to displays and presentations at tradeshows, fairs, amusement parks, sporting events and other like venues or activities that attract high levels of potential consumer and/or customer traffic. Media-based advertising and marketing strategies are implemented that uniquely provide consumer and/or customer interest in and attention to the live presentation by recognizing that Shows have audiences that generally pay little or no attention to some or all of the goods and services being exhibited, marketed, sold, or showcased. By adding elements of gamification, in the nature of a “Game Show” where prizes are awarded, and consumers are treated as contestants, a unique advertising environment is provided for presentation of the items advertised in the Show, generating increased interest and sales. | 2020-06-11 |
20200184502 | MULTILEVEL STRUCTURE SALES SYSTEM AND METHOD FOR ESTABLISHING THE SALES SYSTEM - A multilevel structure sales system and a method for establishing the same system are provided. The sales system includes a plurality of nodes. A server of the system runs a software program to process relationships among the nodes and process credits thereof. The server manages link relationships among the nodes. The number of nodes in a next level of a node is limited to a link limit. The server also manages credits earned by a node from the profit gained by its lower level nodes within a level limit. When one of the nodes of the sales system generates profit, the credits earned by its upper level nodes within the level limit are calculated. The upper level node obtains credits from the profit gained by its lower level nodes if the upper level node is eligible to obtain the credits. | 2020-06-11 |
20200184503 | PHYSICAL ACTIVITY ASSESSMENT SYSTEM AND METHOD TO DETECT FAULTY PHYSICAL ACTIVITY DATA - A physical activity assessment system (PAAS), a method, and a computer program product may be provided to detect faulty physical activity (PA) data for claiming a reward. The PAAS may include a memory configured to store computer program code and a processor configured to execute the computer program code to obtain first PA data of a first wearable device associated with a first user. The first wearable device may be linked to a first user device registered with the PAAS by the first user as an owner. The first user may claim for a reward based on the first PA data. The processor may be configured to detect whether the first PA data is faulty PA data generated by the first wearable device worn by a non-owner of the first wearable device, based on fraud detection criteria. | 2020-06-11 |
20200184504 | METHODS AND SYSTEMS FOR REGULATING OPERATION OF UNITS USING ENCRYPTION TECHNIQUES ASSOCIATED WITH A BLOCKCHAIN - Methods and systems for regulating generation of units according to at least one encryption technique associated with a blockchain are disclosed. In some embodiments, a system includes a communication device configured to communicate with a computing device executing an application and a processor configured to execute instructions to perform operations. The operations include receiving transaction information describing a transaction; based on the transaction, determining product awards for at least one product awards program for the transaction; using the blockchain, determining a real-time conversion rate for the transaction, where the real-time conversion rate is regulated by the at least one encryption technique; based on the real-time conversion rate, converting the product awards to units; and entering into the blockchain encrypted data associated with the transaction, wherein the encrypted data is encrypted according to the at least one encryption technique. | 2020-06-11 |
20200184505 | Smart Operation System for Puzzle Collection - A smart operation system for puzzle collection comprises a servo device, a puzzle collection data cloud, a consumer operating device, a merchant operating device and a display device. The puzzle collection data cloud is communicatively connected to the servo device. The consumer operating device is communicatively connected to the servo device and the puzzle collection data cloud, separately. The merchant operating device is communicatively connected to the servo device, the puzzle collection data cloud and the consumer operating device, separately. The display device is communicatively connected to the servo device, the puzzle collection data cloud, the consumer operating device and the merchant operating device, separately. | 2020-06-11 |
20200184506 | APPARATUS AND METHOD FOR UTILIZING IMMEDIATE GRATIFICATION PROMOTIONS - An apparatus, computer program product, and method are disclosed for generating immediate gratification promotions. An example apparatus includes communications circuitry configured to receive contextual data regarding a set of consumer devices, wherein the contextual data identifies locations of each consumer device of the set of consumer devices, receive resource management data regarding a set of merchant locations, transmit, to a consumer device of the set of consumer devices, a message indicating terms of an immediate gratification promotion redeemable at a merchant location of the set of merchant locations, wherein the immediate gratification promotion comprises a promotion for which purchase automatically initiates redemption, and receive, from the consumer device, a message requesting purchase of the immediate gratification promotion. The example apparatus further includes design circuitry configured to generate the terms of the immediate gratification promotion based on the received contextual data and the received resource management data. | 2020-06-11 |
20200184507 | Bargain Value Determination of Discounted Content - A system for determining the bargain value of discounted content includes a computing platform having a hardware processor and a system memory storing a software code providing a graphical user interface (GUI). The hardware processor executes the software code to identify multiple discounted content units, and for each content unit of the multiple discounted content units: determine a popularity score of the content unit, determine a discount score of the content unit, and determine a deal score for the content unit based on the popularity score and the discount score of the content unit. The hardware processor is also configured to execute the software code to generate a ranking of the multiple discounted content units based on the deal score of each of the discounted content units, and present the generated ranking of the multiple discounted content units via the GUI. | 2020-06-11 |
20200184508 | SYSTEM AND METHOD FOR CAPABILITY PACKAGES OFFERING BASED ON ANALYSIS OF EDITED WEBSITES AND THEIR USE - A system for a website building system server, the server having at least one processor and a memory, the system includes: an analyzer and updater to construct a promotional package for a user of the website building system according to at least editing history and/or business intelligence of a website belonging to the user, a channel determiner to determine the best mode of interface to present the promotional package to the user and a marketer to modify the website building system interface for the user according to the best mode of interface. | 2020-06-11 |
20200184509 | System and Method for Performing Cross-Platform Big Data Analytics - A system and method for performing cross-platform data analytics of advertising campaign information. The system comprises a data sanitizing module for receiving information related to at least one campaign from a plurality of advertising platforms and to produce a normalized dataset having data values that comply with a unified format; a storage and transformation (TS) engine for transforming data values in the normalized dataset into a format defined in a relaxed data schema, thereby resulting with a relaxed dataset, the TS engine is further configured to analyze the relaxed dataset to compute a plurality of campaign measurements of measurable data values included in the relaxed dataset; a data-mart module for storing the relaxed dataset together with the computed campaign measurements; and a management user interface (UI) module for allowing client devices access to data stored in the data-mart module, wherein the data-mart module is optimized for providing an accelerated data for data stored therein. | 2020-06-11 |
20200184510 | System and Process to Create a Lookalike Model for a Target Audience to Deliver Advertisements - A system and process to create a lookalike model for a target audience to deliver advertisements are disclosed. According to one embodiment, the method comprises selecting survey data from a survey database that relates to an advertisement. A heterogenous treatment effect (HETE) model is trained on the survey data. Persuadable customers are identified from the survey database for the advertisement based on the HETE model. An optimized customer list is generated using personally identifiable information. | 2020-06-11 |
20200184511 | EVALUATING EMAIL ACTIVITY - One or more computing devices, systems, and/or methods for evaluating email activity and/or controlling, based upon the email activity, transmission of instructions associated with quality are provided. A first email, transmitted by an email account associated with an entity to a plurality of email accounts, may be identified. First activity associated with the first email may be detected. A first set of activity information associated with the first activity may be stored in an entity profile associated with the entity. The entity profile may comprise a plurality of sets of activity information associated with a plurality of emails transmitted by one or more email accounts associated with the entity. A quality score corresponding to the first entity may be generated based upon the entity profile. A notification may be generated based upon the quality score. The notification may be transmitted to the first client device. | 2020-06-11 |
20200184512 | DYNAMIC AFFILIATE MARKETING PLATFORM - Systems, methods, and devices for affiliate marketing. A method of the disclosure includes receiving affiliate product data from a merchant account. The method includes determining intelligence sources for generating an affiliate product for a promoter account and determining rules for generating the affiliate product for the promoter account. The method includes determining the affiliate product for the promoter account based on the intelligence sources, the rules, and the affiliate product data from the merchant account. The method includes tracking consumer click-throughs on the affiliate product provided to the promoter account. | 2020-06-11 |
20200184513 | MASTER COMPUTING DEVICE AND METHOD FOR DETERMINING AN ACTUAL NUMBER OF IMPRESSIONS PROVIDED BY A SYNCHRONIZED GROUP OF DEVICES - Master computing device and method for determining an actual number of impressions provided by a synchronized group of devices comprising the master and one or more slave computing device. The master device transmits a synchronization request to the slave device(s) and determines a number of negative responses received from the slave device(s) in response to the synchronization request. A negative response indicates that one slave device is not capable of displaying digital content. The master device determines a number of displays D capable of displaying digital content based on the number of negative responses received. The master device determines a metric representative of the actual number of impressions provided by the master device and the slave device(s). The metric is calculated based on the number of displays D. The master device transmits the metric to a server and the server calculates the actual number of impressions using the metric. | 2020-06-11 |
20200184514 | AUTOMATIC EVENT TRIGGERED BALANCE TOP-UP, MONEY TRANSFER, AND LOCATION BASED ADVERTISING PLATFORM - This disclosure provides aspects and embodiments of methods, services, and platforms for prompting users with a zero account balance to send a callback message to a contact informing the contact that the user cannot call them and asking the contact to call the user. This disclosure further provides location determining platforms and rewards platforms for users. | 2020-06-11 |
20200184515 | AUDIENCE EXPANSION ACCORDING TO USER BEHAVIORS - Systems and methods are presented for carrying out a task to an expanded group of users on behalf of a third party. In operation, an online service receives task information corresponding to a task from a third party. Additionally, the online service receives a seed group of users from the third party. The online service determines an intersection between the seed group of users and the online service's corpus of users. This intersection of users is then used to identify an expanded set of users of the online service's corpus of users. The online service then carries out the task on behalf of the third party, targeting the expanded set of users. | 2020-06-11 |
20200184516 | BARCODE BASED COMMUNICATION - Barcode systems and methods for person-to-person messaging, tracking, privacy, electronic gifting, and financial conversion are provided. Barcode systems related to and methods executing on a communications device of a sender and a recipient may facilitate the person-to-person messaging, tracking, privacy, electronic gifting, and financial conversion. | 2020-06-11 |
20200184517 | Multimedia Communication System And Method - Systems and methods are disclosed for creating, editing, sharing and distributing high-quality, media-rich web-based communications. The communications are created in a layered fashion that integrates user-selected text, colors, background patterns, images, sound, music, video, or other media. The systems and methods are used to generate, edit, broadcast, and track electronic presentations, brochures, advertisements (such as banner advertisements on highly trafficked media websites), announcements, and interactive web pages, without the need for the user to understand complex programming languages. | 2020-06-11 |
20200184518 | REMOTELY MANAGED DIGITAL SIGNAGE PLAYER WITH BLE BEACONING - Methods, systems, and techniques are disclosed for transmitting advertising packets. The system comprises a beacon device and a display coupled to the beacon device. The device is operable to transmit a Bluetooth Low Energy communications signal and may send an advertisement packet to a user device via the Bluetooth Low Energy communications signal. The device may also display a display message on the display. The display message may correspond to the advertisement packet and may be used to provide information about the advertisement packet and to draw the user's attention to steps to receive the advertisement packet. The advertising packet and the display message may be updated at a remote dashboard. Scheduling of the display of the display message and transmission of the advertisement packets may be used to provide targeted advertising. | 2020-06-11 |
20200184519 | METHODS AND SYSTEMS FOR E-COMMERCE FULFILLMENT - Methods and systems for e-commerce fulfillment is disclosed. The method includes sending instruction to product feeder to receive a plurality of products. The method includes sending instruction to product feeder to place each product of plurality of products on a conveyor belt after receiving plurality of products. The method includes receiving product barcode information associated with each product of plurality of products from a barcode scanner. The method includes receiving sales data associated with each product based on product barcode information associated with each product. The method includes computing a return on investment (ROI) associated with each product based on a product value of each product obtained from sales data. The method further includes sending an instruction to conveyor belt to channelize product in a first conveyor path of conveyor belt if ROI of a product of plurality of products is more than or equal to a threshold ROI. | 2020-06-11 |
20200184520 | MOBILE DEVICE STREAMING MEDIA APPLICATION - A system and process for coordinating streaming content or messages is provided. A network-connected server maintains a database containing media content-related data, such as the text of a message, accompanying media, time of airing, payment and related comments. A user can view these feeds or streams of these consciousness messages by downloading a mobile application or browsing to a website. The application can also be used to create, schedule and pay for a media content message. | 2020-06-11 |
20200184521 | METHOD AND SYSTEM FOR INITIATING AN INTERFACE CONCURRENT WITH GENERATION OF A TRANSITORY SENTIMENT COMMUNITY - A method and system of initiating a subscriber interface at a client subscriber device coupled to a server device. The method comprises receiving, at a memory of the server device, a specification identifying at least one sentiment parameter in association with the subscriber device, the sentiment parameter related to an expected result generated during execution of a sentiment community generation software application in the server device, generating, during execution of the sentiment community generation software application, a sentiment parameter task automaton representative of the sentiment parameter, monitoring, by the sentiment parameter task automaton, during concurrent execution with object code of the sentiment community software application, the expected result related to the sentiment parameter, and initiating, at the subscriber device, a subscriber interface that includes at least a notification of the at least one sentiment parameter in accordance with the monitoring during the concurrent execution. | 2020-06-11 |
20200184522 | METHOD AND SYSTEM FOR CLICK-DRIVEN VALUE IDENTIFICATION - Systems and methods for calculating a product Click-Driven Value (CDV) of a first product. The method includes: receiving, by a computing device, multiple customer clicks on the first product; determining, by the computing device, a click CDV for each of the customer clicks based on profit of multiple second products associated with the customer click; and calculating, by the computing device, the product CDV of the first product by averaging the click CDVs for all of the customer clicks on the first product. | 2020-06-11 |
20200184523 | Method and System for SMS Intermediation - A system for receiving, at a server with one or more processors, a request for a respective product page from a first client system. The system then sends the respective product page to the first client system for display, wherein the respective product page includes a send SMS message link. The system receives, from the first client system, a first SMS message, wherein the first SMS message is generated by user selection of the send SMS message link. The system transmits the first SMS message to a second client system associated with a seller of the respective product. | 2020-06-11 |
20200184524 | IMPROVED TRANSACTIONAL PLATFORM - Methods, systems, devices and computer software/program code products enable a Provider to sell services, content or time to a Consumer via a comminations network, and to be financially compensated for the value of the services, content or time provided, via the network. | 2020-06-11 |
20200184525 | FACILITATING MITIGATION OF DANGEROUS ACTIVITIES - Techniques facilitating mitigation of dangerous activities are provided. In one example, a computer-implemented method can include detecting, by a system operatively coupled to a processor, a trigger event based on a determination that a security risk level satisfies a defined condition associated with the security risk level. The security risk level can be associated with an item of interest and a monitored behavior related to the item of interest. The computer-implemented method can also include implementing, by the system, an action that mitigates an impact of the security risk level. The action can be implemented as the trigger event is detected and the action can be determined based on the item of interest and the monitored behavior. | 2020-06-11 |
20200184526 | SYSTEM AND METHOD FOR ENHANCED ACCESS AND CONTROL FOR CONNECTING ENTITIES AND EFFECTING PAYMENTS IN A COMMERCIALLY ORIENTED ENTITY NETWORK - Among other things, embodiments of the present disclosure enables corporate entities to connect with each other and enables social networking interactions, credibility rating, identity verification, and/or business transactions between the corporate entities. | 2020-06-11 |
20200184527 | Systems and Methods for Providing Price Quotes for 3D Objects - Systems and methods for providing price quotes for 3D objects are described herein. In one embodiment, costs related to generating a 3D object molded from a 3D printer mold may be based on various parameters. The process for generating a price quote may include uploading an initial file to a server and converting that file into a 3D CAD file. The method may also include selecting units, materials, a finish, and/or a quantity of objects to be made. Based on the selections, the server may generate a price quote to produce the one or more objects, and a checkout option may be provided allowing the user to purchase the one or more objects. | 2020-06-11 |
20200184528 | GIFTING SYSTEM AND METHOD OF USE - A method of gifting includes providing a portal to communicate between a first computing device associated with a first; receiving a selection of a gift and a first recipient from the first user through the first computing device and the portal; sending the gift anonymously to the first recipient; and receiving a second selection of a second gift and a second recipient from the recipient through a second computing device and the portal. | 2020-06-11 |
20200184529 | Prediction of Business Outcomes by Analyzing Music Interests of Users - Predicting business outcomes by analyzing music interests of a target user includes generation of predictor models based on test data of tests users. The test data includes historic data of the test users, music samples of interest to the test users, and answers provided by the test users to psychometric questions. The predictor models are then used to predict psychometric features and business outcomes based on target data of the target user. The target data includes music samples that are of interest to the target user, historic data of the target user, and answers provided by the target user. | 2020-06-11 |
20200184530 | Systems and Methods for Ordering and Preparation of Customized Comestibles - In an illustrative embodiment, systems for designing and producing customized food products include receiving a request to design a customized food product containing a printed edible medium. The systems may calculate, based on product inventory at a preferred bakery, a preparation lead time for the food product where the product inventory includes availability of printed edible media substrates. The systems may present customization user interface screens that provide customization options for the food product. The systems may convert customization option selections made at the customization user interface screens into decorating instructions for the food product and transmit the decorating instructions to the bakery. The systems may determine a position in a preparation queue for the food product based in part on attributes of pending food product orders in a preparation queue at the bakery. | 2020-06-11 |
20200184531 | MIRRORED DISPLAY AND PROXIMAL CONTROL OF AUTONOMOUS RETAIL SYSTEMS - Techniques for operating an autonomous retail system (ARS) are discussed herein. An ARS may include input devices, output devices, input-output (I/O) devices, and an inventory of items. The ARS may send or receive connection request with user equipment, such as a mobile device, and a connection may be established between the user equipment and the ARS. Techniques for identifying and authenticating the user equipment are discussed herein. The ARS may cause a display of the inventory of items on a display of the user equipment. The display of the ARS may be mirrored on the display of the user equipment. A user, via the user equipment, may provide indication(s) including a selection of an action such as a purchase action and selection of an item based on the action. Based on the indication(s), the ARS may dispense the item to the user. Scheduling techniques are discussed for the ARS to provide service to multiple customers. | 2020-06-11 |
20200184532 | Universal Relevance Service Framework - In general, embodiments of the present invention provide systems, methods and computer readable media for a universal relevance service framework for ranking and personalizing items. | 2020-06-11 |
20200184533 | LABOR MARKETPLACE EXCHANGE COMPUTING SYSTEMS AND METHODS - A labor marketplace exchange (LME) computing system and method are provided. The LME computing system communicates with communications devices of service providers and service users. The LME computing system receives service provider profile data from the service providers. Service users can submit service queries to the LME computing system. Based on the parameters of the service query, service providers are identified by the LME computing system. A service request is then sent to a service provider identified by the LME computing system and selected by the service user | 2020-06-11 |
20200184534 | SYSTEM AND METHOD FOR RATING PLURAL PRODUCTS - A system and method for rating of each of plural products comprising identifying plurality of attributes associated with a category of product, applying a scalar structure for each attribute to provide scalar value of each attribute for each of the plural products, determining an incremental competitive index for each attribute of each product based on the scalar value of each attribute and a number of products having the scalar value, and rating each product based on the determined competitive index. | 2020-06-11 |
20200184535 | MULTI-VENDOR CROSS-PLATFORM SYSTEMS AND METHODS FOR IMPLEMENTING CROSS-PLATFORM INTERACTIVE GUIDED USER INTERFACES (GUIs) - A universal multi-vendor cross-platform is described for implementing cross-platform interactive guided user interfaces (GUIs). A multi-vendor server is configured to receive respective first and second user interfaces and vendor information from remote, communicatively coupled first and second vendor platforms associated with respective first and second vendors, each having physical vendor locations. A cross-platform mobile application (app) implements a cross-platform interactive GUI on a mobile device and is configured to (1) determine a current location or location setting of the mobile device, and (2) determine that the current location or location setting of the mobile device is at, near, or associated with one of the first or second physical vendor locations. Based on a determination of the current location or location setting, the cross-platform mobile app receives and renders a cross-platform interactive GUI that includes the user interfaces and information of one of the first vendor or the second vendor, respectively. | 2020-06-11 |
20200184536 | OBJECT EXCHANGE ASSISTANT SYSTEM - The present invention provides an information processing device including: a storage unit that is configured to store an object ID of an object, a user ID of a user owning the object, a first price of the object, a second price of the object, and an exchange condition of the object in association with one another; a price setting terminal that is configured to determine the first price; an appropriate exchange object selecting unit that is configured to select an appropriate exchange object in accordance with the exchange condition; a price comparing unit that is configured to compare the second price of an object of an exchange destination selected by the appropriate exchange object selecting unit with the first price of an object of an exchange source; a payment amount calculating unit that is configured to determine a payment amount of a user owning the object of the exchange source; a first transmission unit that is configured to notify a user terminal of the user owning the object of the exchange source of the payment amount; a payment checking terminal that is configured to check payment information from the user owning the object of the exchange source; and a setting unit that is configured to set the stored object ID corresponding to the exchange condition to an object ID of an object after an exchange in accordance with the payment information. | 2020-06-11 |
20200184537 | SYSTEM AND METHOD FOR OBTAINING RECOMMENDATIONS USING SCALABLE CROSS-DOMAIN COLLABORATIVE FILTERING - Aspects of the present disclosure involve systems, methods, devices, and the like for presenting a recommendation. In one embodiment, a system is introduced that includes a plurality of models for obtaining a recommendation score. The recommendation score may be obtained using one or more recommendation models and a recommendation made based on the recommendation score determined. In another embodiment, the system is introduced that can re-train the recommendation model based on a feedback received in response to a recommendation made using on the recommendation score obtained. | 2020-06-11 |
20200184538 | SYSTEMS AND METHODS FOR PROVIDING RECOMMENDATIONS BASED ON COLLABORATIVE AND/OR CONTENT-BASED NODAL INTERRELATIONSHIPS - In selected embodiments a recommendation generator builds a network of interrelationships between venues, reviewers and users based on their attributes and reviewer and user reviews of the venues. Each interrelationship or link may be positive or negative and may accumulate with other links (or anti-links) to provide nodal links the strength of which are based on commonality of attributes among the linked nodes and/or common preferences that one node, such as a reviewer, expresses for other nodes, such as venues. The links may be first order (based on a direct relationship between, for instance, a reviewer and a venue) or higher order (based on, for instance, the fact that two venue are both liked by a given reviewer). The recommendation engine in certain embodiments determines recommended venues based on user attributes and venue preferences by aggregating the link matrices and determining the venues which are most strongly coupled to the user. | 2020-06-11 |
20200184539 | VOICE-BASED IN-STORE DIGITAL CHECKOUT SYSTEM - Methods and systems for providing a digital cart management system for use by customers within a retail location. In use, a customer shops within a retail location and adds items to a digital cart as the customer is adding the items to a physical cart, e.g., at least in part by voice input. When the customer is finished shopping, the customer can checkout via a digital process, thereby bypassing point of sale devices at the retail location. | 2020-06-11 |
20200184540 | ARTIFICIAL INTELLIGENCE AND MACHINE LEARNING BASED CONVERSATIONAL AGENT - In some examples, artificial intelligence and machine learning based conversational agent may include ascertaining, based on a chat conducted with a conversational chatbot, a request by a user to purchase a product, and an attribute associated with the user. An intent associated with the user to purchase the product may be generated. Further, a catalog that includes a plurality of products that match the request by the user to purchase the product may be generated. Selection of a product from the plurality of products may be received. Identification of a quantity associated with the selected product may be received. A purchase request may be generated. A purchase order associated with the selected product may be generated. Further, based on the purchase order associated with the selected product, the selected product may be procured for the user. | 2020-06-11 |
20200184541 | SYSTEMS AND METHODS FOR HANDLING ALTERNATE PICK-UP USING VEHICLE RECOGNITION - A method and system of handling an alternative pick-up using vehicle information is disclosed. Imaging data is received from at least one imaging device. The at least one imaging device is configured to provide a field-of-view of a predetermined area associated with a retail location. A vehicle identifier for each vehicle within the image data is extracted and compared to each user profile associated with an order in a set of orders. Each user profile includes a primary vehicle identifier and at least one secondary vehicle identifier and the extracted vehicle identifier is compared to the at least one secondary vehicle identifier in each user profile. The extracted vehicle identifier is associated with a first order in the set of orders when the extracted vehicle identifier matches the secondary vehicle identifier of the user profile of the first order. | 2020-06-11 |
20200184542 | CUSTOMER ASSISTED ROBOT PICKING - A method for customer assisted robot picking includes navigating a robot to a pose location within a retail space in proximity to an item to be picked, the retail space having items for purchase by customers, the robot identifying, by a sensor in communication with the robot, a customer located within a zone proximate the robot, communicating to the customer information identifying the item to be picked, detecting presentation of the item by the customer for identification, and updating customer performance data stored in a customer account to include data corresponding to picking of the item by the customer. | 2020-06-11 |
20200184543 | SYSTEM AND METHOD FOR CLAW BACK AND PRICE PROTECTION - A computing system includes one or more processors and one or more computer-readable storage media having instructions stored thereon that, when executed by the one or more processors, causes the one or more processors to receive a pending purchase order from a user device in response to a selection of an interactive element presented on a payment page of an online store via the user device, the pending purchase order corresponding to a purchase of a good or service from the online store and including payment information, store the payment information in an escrow database for a window of time, generate a notification corresponding to the pending purchase order, the notification including information corresponding to the good or service and excluding the payment information, and transmit the notification to a merchant system associated with the online store to reserve the good or service during pendency of the window of time. | 2020-06-11 |
20200184544 | METHOD AND SYSTEM FOR VIRTUAL INVENTORY MANAGEMENT - Methods and systems for virtually managing product inventory from an application on a smart device through at least one of a bar code scanning feature, an integration of a virtual toolbox component and a shopping cart component, and a checkout selection option to request a purchase order associated with a user token authorization. | 2020-06-11 |
20200184545 | MULTI-VENDOR CROSS-PLATFORM SYSTEMS AND METHODS FOR IMPLEMENTING CROSS-PLATFORM INTERACTIVE GUIDED INTERFACES (GUIs) - A universal multi-vendor cross-platform is described for implementing cross-platform interactive guided user interfaces (GUIs). A multi-vendor server is configured to receive respective first and second user interfaces and vendor information from remote, communicatively coupled first and second vendor platforms associated with respective first and second vendors, each having physical vendor locations. A cross-platform mobile application (app) implements a cross-platform interactive GUI on a mobile device and is configured to (1) determine a current location or location setting of the mobile device, and (2) determine that the current location or location setting of the mobile device is at, near, or associated with one of the first or second physical vendor locations. Based on a determination of the current location or location setting, the cross-platform mobile app receives and renders a cross-platform interactive GUI that includes the user interfaces and information of one of the first vendor or the second vendor, respectively. | 2020-06-11 |
20200184546 | METHOD AND GUI FOR SELLER DETERMINATION OF DELIVERY LOCATION IN A COMMODITY TRADE - A computer method and graphical user interface (GUI) for seller determination of commodity delivery location includes displaying, on an electronic display of a user device, a GUI including a commodity instance object, an ownership indicator, at least one preferred commodity delivery location object, a price indication field, a projected delivery date field, and a transaction wallet indicator. A commit object is displayed via the GUI. A user commitment is received via the commit objected into a server computer. The server computer causes transacting of a commit instance onto a distributed ledger carried by a plurality of non-transitory computer readable memories. An acknowledgment of the transaction commitment from the server is received, and a transaction status is displayed in the GUI. | 2020-06-11 |
20200184547 | EVENT-BASED DISTRIBUTION OF CRYPTOGRAPHICALLY SECURED DIGITAL ASSETS - A method of event-based distribution of a cryptographic digital asset includes receiving, from a computing device associated with a user, an indication that the computing device is located at a predetermined venue within a predetermined window of time; receiving a unique owner identification (ID) code associated with the user; receiving a unique code acquired by the user; determining a unique digital asset ID code corresponding to the received unique code, the unique digital asset ID code being representative of the cryptographic digital asset; and transmitting a cryptographic block to a distributed blockchain ledger to record transfer of the cryptographic digital asset to the user, the cryptographic block comprising both the unique digital asset ID code and the unique owner ID code. | 2020-06-11 |
20200184548 | SYSTEMS AND METHODS FOR LEASING EQUIPMENT OR FACILITIES USING BLOCKCHAIN TECHNOLOGY - A method for leasing equipment or facilities using blockchain technology may include: receiving, through a blockchain network, a request from a lessor device or lessee device to initiate an electronic lease agreement transaction between a lessor and a lessee for a select equipment or facility; verifying an identity of the lessor and the lessee via a digital identity of the lessor and the lessee stored in a blockchain shared ledger to determine if the lessor and lessee are authorized users of the blockchain network; verifying an identity of the equipment or facility via a digital identity of the equipment or facility stored in the blockchain shared ledger; and if the identities of the lessor and lessee and the equipment or facility are verified, electronically executing a smart contract for the lease agreement between the lessor and the lessee, the smart contract including rules for enforcing the lease agreement. | 2020-06-11 |
20200184549 | IMAGE-BASED FINANCIAL PROCESSING - Image-based processing of sources of financial information for financial transactions is provided. A device is enabled to acquire one or more images including a representation of a source of financial information. The device can validate the source, independent of the financial information in a preliminary analysis. If the source is validated, one or more images are used to acquire the financial information. The financial information is then validated. If the financial information is valid, authorization of the financial transaction can be initiated. | 2020-06-11 |
20200184550 | METHOD AND APPARATUS TO EVALUATE AND PROVIDE FUNDS IN ONLINE ENVIRONMENTS - A method, apparatus, and computer readable storage to implement a lending or cash advance system that can be (but is not required to be) integrated with an online commerce site. Sellers on the online commerce site can click a button or tab in their web browser that is visiting the online commerce site and information known to the online commerce site is automatically shared with a potential cash provider. The information can include sales data related to the seller's business on the online commerce site that can be applied to a formula used by a cash provider to evaluate the risk associated with lending the seller cash. A financial account used by the seller can rapidly receive the cash loan (if approved) and payments received by the seller from buyers would go into this financial account which is then used to automatically pay the cash provider back at agreed upon terms. | 2020-06-11 |
20200184551 | SERVICING A PLURALITY OF RIVED LONGEVITY-CONTINGENT ASSETS - A method executed by a computing device includes identifying a payout of a first longevity-contingent asset associated with a first periodic premium payment. The method further includes determining a first portion of the payout to associate with a premium cash escrow in accordance with a rive approach. The premium cash escrow is utilized to fund an aggregated payment of a plurality of periodic premium payments on behalf of one or more debtors in accordance with the rive approach. The method further includes determining a second portion of the payout to associate with a benefit cash account based on the first portion of the payout and in accordance with the rive approach. The benefit cash account is associated with one or more benefactors in accordance with the rive approach. | 2020-06-11 |
20200184552 | ACCOUNT INFORMATION MANAGEMENT METHOD AND APPARATUS - A method for managing account information comprises: extracting information of a second user associated a first account of a first user; generating a matching pattern associated with the second user according to the obtained information of the second user; obtaining first transaction operation information generated by one or more historical transaction operations associated with the first account; identifying, according to the matching pattern, second transaction operation information associated with the second user from the first transaction operation information; creating a second user information table and associating it with the first account of the first user, or retrieving the second user information table if it has been created; determining an information category of the second transaction operation information; and storing, according to the information category of the second transaction operation information, the second transaction operation information in a corresponding category of the second user information table. | 2020-06-11 |
20200184553 | SMART CONTRACT BASED CREDIT NETWORK - A system includes credit network computing device(s) coupled to wallet provider computing device(s) and credit exchange computing device(s). Wallet provider computing device(s) receives credit request for loan having credit terms from borrower; generates smart contract including information regarding borrower and credit terms; and communicates smart contract to credit network computing device(s). Credit network computing device(s) receives indication that cosigner agrees to cosign for credit request on behalf of borrower; and communicates smart contract representing credit requests to credit exchange computing device(s). Credit exchange computing device(s) places smart contract representing credit request on order book. Credit exchange computing device(s) receives trading order for smart contract representing credit request from lender. Credit exchange computing device(s) determines whether trading order for lender matches credit terms of smart contract representing credit request; and executes loan between borrower, cosigner, and lender when trading order for lender matches credit terms of smart contract representing credit request. | 2020-06-11 |
20200184554 | CREDIT INFORMATION PROVIDING SERVER DEVICE, CREDIT INFORMATION PROVIDING METHOD, AND RECORDING MEDIUM - A credit information providing server device includes: at least one memory configured to store instruction; and at least one processor configured to execute the instructions to: acquire, from a terminal device, procedure information including information of a procedure performed for a person who temporarily comes from abroad; generate, based on the procedure information, credit information indicating a prediction of an economic influence produced by the person who temporarily comes from abroad; and provide, based on information identifying a person who temporarily comes from abroad, the credit information of an identified person who temporarily comes from abroad. | 2020-06-11 |
20200184555 | CRYPTOGRAPHIC MONETARY SYSTEM FOR PROVIDING DIGITAL CURRENCY | 2020-06-11 |
20200184556 | ADAPTIVE INTELLIGENCE AND SHARED INFRASTRUCTURE LENDING TRANSACTION ENABLEMENT PLATFORM RESPONSIVE TO CROWD SOURCED INFORMATION - A system includes a crowdsourcing request circuit that configures parameter(s) of a crowdsourcing request related to obtaining information on a condition of a collateral for a loan, a crowdsourcing publishing circuit that publishes the crowdsourcing request to a group of information suppliers, and a crowdsourcing communications circuit that collects and processes response(s) from the group of information suppliers, and provides a reward to at least one of the group of information suppliers in response to a successful information supply event. | 2020-06-11 |
20200184557 | RESOURCE TRANSFER AND CAPITAL TRANSFER METHOD AND APPARATUS - A blockchain-based resource transfer method, includes: when a resource transfer condition is satisfied, determining a first amount of a to-be-transferred first resource; determining a second amount of a to-be-transferred second resource according to the first amount of the first resource, wherein a type of the first resource is different from a type of the second resource; initiating, by a resource transferor, a transaction request to a blockchain, to transfer the to-be-transferred second resource to a resource transferee, wherein the transaction request comprises first encrypted amount information obtained by encrypting the second amount of the second resource based on a first encrypting function, wherein inputs of the first encrypting function include the second amount of the second resource and a public key of the resource transferee; and after the blockchain verifies the transaction request, executing the transaction request, transferring the to-be-transferred second resource to the resource transferee, and recording an execution result of the transfer on the blockchain. Therefore, privacy information of both a resource transferor and transferee can be protected during resource transfer. | 2020-06-11 |
20200184558 | SYSTEM AND COMPUTER METHOD FOR TRADING A COMMODITY WITH CARRY COSTS - A distributed ledger-based commodity trading method and graphical user interface (GUI) includes creating and using a smart contract that specifies variable or unknown carry costs, and covering actual carry costs with a reserve account of a cryptographic currency or cryptographic token. | 2020-06-11 |
20200184559 | METHOD AND GUI FOR CREATING OPTIONALITY IN A COMMODITY CONTRACT SETTLEMENT PRICE - A computer method for creating optionality of price basis in a commodity contract includes establishing a smart contract for a transfer of a commodity using a distributed ledger and graphical user interface (GUI). The smart contract includes a variable price with a provision for a future determination of a price basis. The computer method includes receiving agreement on the smart contract between a seller and a counterparty, receiving a deposit on a total price from the counterparty, transferring at least a portion of the deposit to the seller, and transferring a token representing the smart contract to the counterparty. The computer method includes, at a future date, receiving a selection of the price basis for the smart contract from one of the counterparty or the seller, and notifying the other of the seller or the counterparty of the selected price basis and a resultant settlement price. | 2020-06-11 |
20200184560 | METHOD AND GUI FOR SETTLEMENT OF COMMODITY CONTRACTS DENOMINATED IN COMMODITY CONTRACT TOKENS - A computer method and graphical user interface (GUI) for settlement of a commodity contract includes displaying, on an electronic display of a first user device, a GUI for receiving input of information related to a particular commodity smart contract for transfer of a commodity, receiving input data including information related to commodity attributes from a first user via the GUI, displaying a commodity price field in the GUI, transferring the received input data to a server computer, displaying a commit object in the GUI receiving input from the commit object, transmitting a commitment to the server computer to cause the server computer to establish a smart commodity contract for the commodity, and displaying, in the GUI on the electronic display, a receipt acknowledgement object indicating that the smart contract is established and the first user is obligated to abide by the smart contract. | 2020-06-11 |
20200184561 | SYSTEMS AND METHODS FOR ESTABLISHING FIRST ON THE FOLLOW TRADING PRIORITY IN ELECTRONIC TRADING SYSTEMS - A trading system transitions from a first state to a second state and may award a participant, when one or more criteria and/or a status of trading rights are met, with trading priority in the second state to trade on an incoming contra order. The participant may also have an associated order modified as a result of an incoming contra order and/or be caused to automatically trade on an incoming contra order. | 2020-06-11 |
20200184562 | SYSTEM AND METHOD FOR AUTOMATICALLY DISTRIBUTING A TRADING ORDER OVER A RANGE OF PRICES - According to one embodiment, a method of managing trading is provided. A trading order intended for a trading exchange is received from a trader, the trading order having an associated trading order price. A group of distributed trading orders is automatically generated based at least on the trading order price and a set of pre-configured distribution parameters associated with the trading order. The group of distributed trading orders is distributed over a multiple price levels. The generated group of distributed trading orders is automatically submitted to the trading exchange. | 2020-06-11 |
20200184563 | System and Method for Automated Order Entry on Short Queues - Orders are automatically sent to the market when certain user defined conditions are met. In particular, a trader can configure the trading application to automatically send orders for preset quantities at price levels with queues falling below a user defined threshold. The length of queues may be measured in several ways, for example, the queue length could be measured by quantity at a given price level or the queue length could be measured by the number of orders at a given price level, or the queue length could be measured by a combination of quantity and orders. The present embodiments can more quickly recognize opportunities and send an order to take advantage of it than a trader can do manually. Other advantages and features are described herein. | 2020-06-11 |
20200184564 | Dynamically-Generated Electronic Database for Portfolio Selection - The present invention relates to a system and method for executing a selection from a dynamically-generated electronic database. The database includes a selection parameter determination engine creating selection parameters according to statistical models for weighting desirability of financial instruments combined with entered user selection preferences. Each financial instrument is electronically associated with a dynamic electronic label indicating whether the financial instrument is restricted for selection. The selection parameters are electronically converted by a selector engine to electronic output; the selector engine electronic output can be validated based on previously determined outcome parameters associated with past outcomes for the financial instruments. A computer processor executes external selections from a real-time updating external electronic exchange database based on the electronic output of the selector engine. Selection limiters prevent execution of external selections based on electronic flags. | 2020-06-11 |
20200184565 | COMPUTER METHOD FOR REAL ESTATE FUTURES TRADING USING A DISTRIBUTED LEDGER AND GUI - A real estate futures smart contract is established and offered via a GUI on an electronic display of a user device and carried by a distributed ledger. The futures contract may be offered for sale on an electronic exchange. The smart contract may carry a price indexed to a real estate futures price schedule. | 2020-06-11 |
20200184566 | SYSTEMS AND METHODS FOR PROVIDING CUSTOMIZED FINANCIAL ADVICE - A system includes one or more memory devices storing instructions, and one or more processors configured to execute the instructions to perform steps of a method for providing customized financial advice. The system may receive transaction data for a transaction associated with a customer and satisfaction data associated with the transaction. Based on the received transaction data and satisfaction data, the system may update a financial state of the customer and a financial policy for determining one or more actions to take in order to maximize a cumulative reward associated with the customer. The system may determine and output a recommended action based on the updated financial policy and customer financial state. | 2020-06-11 |
20200184567 | SYSTEM AND METHOD TO AUTOMATE TRANSACTION-BASED RISK ASSIGNMENT - Some embodiments are directed to an automated transaction-based risk assignment. A risk relationship data store may contain electronic records that represent a plurality of risk relationships between an enterprise and a plurality of entities, and each record may include a relationship identifier and attribute resource values associated with risk attributes. A back-end application computer server may receive an indication of a transaction between a first and second entity and interact with the first entity to create a definition document for the transaction. The server may also receive from the first entity an indication that a transaction-based risk relationship should be created with the enterprise in connection with the transaction. Responsive to the received indication, the server may automatically establish attribute resource values associated with risk attributes based on data in the definition document and store the established attribute resource values associated with risk attributes in the risk relationship data store. | 2020-06-11 |
20200184568 | SYSTEM AND METHODS FOR PROCESSING PLANS HAVING DATA AND CONDITIONS APPLICABLE TO A POPULATION - A platform and associated methods manage and recommend a number of plans to a user. Processes to manage the plans access supplied user data to create a person object or representation. Parsed user data can be used. Plans are excluded using various criteria. Parameters are processed as defined in a configuration system along with checks to determine if a particular plan fits, does not fit, or is inconclusive. The determination considers, for example, conditions and medications for the user when excluding plans. Results of potential plans are provided to the user. | 2020-06-11 |
20200184569 | SYSTEM AND METHOD FOR PROCESSING VEHICLE REQUESTS - A method and system for processing requests for vehicular data, including receiving a vehicle request for a vehicle parameter from a client system (e.g., third party application); verifying client access to the vehicle parameter; determining one or more parameter values for the requested vehicle parameter; and transmitting the one or more parameter values to the client system. | 2020-06-11 |
20200184570 | GENERATING SELF-SUPPORT METRICS BASED ON PARALINGUISTIC INFORMATION - Certain aspects of the present disclosure provide techniques for selecting a response to a self-support query. One example method generally includes receiving an audio stream query including spoken content from a user recorded by a mobile device and determining a set of paralinguistic features from the spoken content. The method further includes estimating an emotional state of the user based on the set of paralinguistic features and identifying subject matter of the spoken content in the audio stream query. The method further includes determining two or more query responses corresponding to the subject matter to present to the user and transmitting at least one query response to the mobile device. | 2020-06-11 |
20200184571 | NETWORK-BASED SYNCHRONIZATION SYSTEM AND METHOD - A network-based synchronization system includes a server executing an electronic tax preparation program. The server is in communication with first and second computing devices through first and second networks. The first computing device utilizes the electronic tax preparation program. The second computing device is a mobile communication device including an image acquisition component and a mobile application executing thereon. The server, and the first and second computing devices are cooperatively operable through the first and second networks to synchronize the electronic tax preparation program and the mobile application based at least in part upon data acquired by the image acquisition component. The server receives the data acquired by the image acquisition component and transmits the data to the first computing device to synchronize the mobile application and the electronic tax preparation program. | 2020-06-11 |
20200184572 | SALARY MANAGEMENT DEVICE, METHOD, AND COMPUTER PROGRAM - [Problem] To reliably secure labor receivables of a worker, prevent nonpayment or unpaid salary and deductions, as well as reduce costs required for payments and assessments, and to also prevent fraud by clarifying the basis and process for payment of salary and the like. | 2020-06-11 |
20200184573 | METHODS, SYSTEMS, ARTICLES OF MANUFACTURE AND APPARATUS TO MONITOR AUDITING DEVICES - Methods, apparatus, systems and articles of manufacture are disclosed to monitor auditing devices. An example apparatus includes a workload analyzer to obtain alert data related to a potential new product from an auditing device, and a product analyzer to identify a product within the alert data to determine if the product has been previously identified by another auditing device. In response to determining that the product has not been previously identified, the example apparatus includes an alert analyzer to cluster the alert data based on characteristics associated with an auditor profile of the auditing device, and determine a probability of transmitting the alert data to other auditing devices based on the clustered alert data. The example apparatus also includes an alert authorizer to suppress the alert data from being transmitted to the other auditing devices to reduce an amount of network resources required for subsequent processing when the probability does not satisfy a threshold. | 2020-06-11 |